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Find a St Fagans Conveyancing Solictior on Your Lender’s Panel

Ready to buy a new home in St Fagans? Failing to check that a lawyer is on your lender’s list of approved solicitors can put your St Fagans home move at risk of delay or failure.

Only LenderPanel.com provides a subset of authorised St Fagans conveyancers for over 130 lenders.


Recently asked questions about conveyancing in St Fagans

Can your site be used to recommend a Conveyancing solicitor in St Fagans even if I’m not buying or disposing of a house, for example where I want to buy a shop in St Fagans with a mortgage from Barnsley Building Society?

Our search tool is predominantly utilised to select residential conveyancing solicitors in St Fagans but we have listed at the bottom of this page a few St Fagans commercial conveyancing firms. You should speak with the solicitors directly to establish if they are also authorised to represent Barnsley Building Society

My wife and I buying a 4 bedroom semi-detached house in St Fagans. Our aim is to carry out a loft conversion at the property.Will the conveyancing process include enquiries to ascertain if these alterations are permitted?

Your conveyancer should review the deeds as conveyancing in St Fagans will occasionally reveal restrictions in the title documents which restrict categories of works or necessitated the permission of a 3rd party. Certain extensions call for local authority planning consent and approval in accordance building regulations. Some areas are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. You should check these things with a surveyor before you commit yourself to a purchase.

After shopping around on the internet I have found a St Fagans property lawyer having checked that they are on the Yorkshire BS conveyancing panel. Does my lawyer arrange the survey of the property?

Yorkshire BS will need an independent valuation of the property. Your lawyer will not arrange this. Usually Yorkshire BS will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your solicitor will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your St Fagans postcode. As you are getting a mortgage with Yorkshire BS, you could contact them to see if they have a list of approved surveyors in St Fagans.

After what feels like an age I have had an offer on a flat in St Fagans agreed to, but there is a chain. The owners have placed an offer on somewhere, but it’s not yet tied up, and are looking at other apartments booked. I have instructed a nearby conveyancing solicitor in St Fagans. What should be my next step? When should I get the mortgage application with Barclays going?

It is normal to have apprehensions where there is a chain as you are unlikely to want to incur expenses too early (mortgage application is in the region of one thousand pounds, then valuation, St Fagans conveyancing search fees, etc). First, you must ensure that your conveyancer is on the Barclays approved list. Regarding the next phase this very much depends on the specifics of your case, motivation for the property and on the state of the market. During a rising market some buyers will apply for a home loan with Barclays and arrange for the valuation and only if it comes back ok would they pay their solicitor to move forward with the conveyancing in St Fagans.

Me and my brother purchased a 4 bedroom Edwardian property in St Fagans. Conveyancing lawyer represented me and Barclays Direct. I did a free Land Registry search last week and there are a couple of entries: one for freehold, the second leasehold with the exact same address. Is it worth asking Barclays Direct to clarify?

You need to review 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 locations in the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with lenders. You can also enquire as to the situation with your conveyancing practitioner who completed the work.

I am buying my first flat in St Fagans with a loan from Santander. The builders refused to reduce the amount so I negotiated five thousand pounds worth of extras instead. The estate agent told me not to tell my conveyancer about the extras as it would affect my loan with the lender. Should I keep quiet?.

All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.

Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.

Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.

Due to the input of my in-laws I had a survey completed on a house in St Fagans before instructing lawyers. I have been advised that there is a flying freehold overhang to the house. My surveyor advised that some banks will refuse to grant a loan on a flying freehold premises.

It varies from the lender to lender. Lloyds has different requirements from Nationwide. Should you wish to call us we can look into this further with the appropriate bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in St Fagans. Conveyancing may be slightly more expensive based on your lender's requirements.

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Find out more about how flying freehold can affect your the value of a property.