My financial adviser says he needs my St Fagans law firm’s panel reference for the Lloyds conveyancing panel. Can you suggest how I obtain this. I have called my local St Fagans office but they cant find it on their system.

You are best placed to get this information from your St Fagans lawyer . They keep a central record lender panel numbers.

Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in St Fagans. My lender is Chelsea Building Society

Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 11/9/2024, the requirements read as follows :

My wife and I own a renovated Georgian house in St Fagans. Conveyancing solicitor acted for me and Coventry Building Society. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: the first freehold, another for leasehold under the matching address. If a house is not a freehold shouldn't I have been informed?

You need to assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in St Fagans and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also enquire as to the position with the conveyancing lawyer who conducted the purchase.

Just had an offer accepted on a new build apartment in St Fagans. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.

Set out below is a sample of a few leasehold new build questions that you can expect your new-build leasehold conveyancing in St Fagans

If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? Please supply evidence that the form of Lease proposed has been approved by the Land Registry. The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company?

How up-to-date is your database of lawyers on the lender conveyancing panel in St Fagans? Do the mortgage companies send you an updated list?

St Fagans law firm practices and firms conducting conveyancing in St Fagans themselves provide us confirmation that they are on the bank conveyancing panel as opposed to being supplied with a list from the mortgage company directly.