Completed the sale of my flat in Tredegar last May but the buyer keeps SMS messaging me to moan that his solicitor needs to hear from myconveyancer. What are the post completion sale formalities now that I have sold?

Post completion of your house sale your conveyancer is duty bound to send the transfer documentation and all supplemental paperwork to the buyer’s conveyancer. Where relevant, your solicitor must also confirm that the mortgage has been redeemed to the buyers lawyers. There are no post completion procedures just for conveyancing in Tredegar.

My house in Tredegar is up for sale and I have a buyer. Will the conveyancing practitioner have to be required to be on the RBS conveyancing panel in order to deal with redeeming my mortgage?

Ordinarily, even if your lawyer is not on the RBS conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their conditions fairly frequently currently.

My partner and I have organised the release of further monies on our mortgage from Yorkshire BS as we wish to conduct improvements to our property in Tredegar. Are we obliged to choose a high street Tredegar solicitor on the Yorkshire BS conveyancing panel to deal with the legals?

Yorkshire BS would not normally instruct firms on their conveyancing panel to deal with the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Yorkshire BS conveyancing panel.

It is not clear whether my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date. I have telephoned my Tredegar bank branch on a couple of occasions and was informed it wasn't an issue and they will lend. My Tredegar conveyancing solicitor - who is on the mortgage company conveyancing panel- telephoned and was told they refuse to lend in accordance with their UK Finance Lenders’ Handbook minimum lease term requirements. I have no idea who is right.

As long as the lawyer is on the mortgage company panel, she or he must comply with the Council of Mortgage Lenders’ Handbook conditions for the bank. Unless your lawyer obtains specific confirmation in writing that the bank will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years left on the lease.

TSB have agreed my home loan in principle, my offer on a property in Tredegar has been accepted, now what?

The property agent will want to know who your solicitors are (make sure the property lawyers are on the lender’s approved list). Call up TSB or your financial adviser and complete any appropriate paperwork. TSB will instruct a valuer who will get in touch with the selling agent or seller to book a slot for the valuation to happen. Once conducted (assuming no problems) it takes approximately a week to get a mortgage offer. TSB will issue the offer to you and your conveyancers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Tredegar.

I am buying a house and the solicitor has mentioned Chancel Repair to which the property may be liable given it’s proximity to the area of such a church. She has mentioned insurance. Is this really necessary for conveyancing in Tredegar

Unless a previous purchase of the house completed after 12 October 2013 you could take it that lawyers handling conveyancing in Tredegar to continue to propose a a chancel search and or insurance against a claim.

Do I need to attend the offices of the mortgage company conveyancing panel solicitor to execute the mortgage deed? If so, I will choose one who does conveyancing in Tredegar as it will be easier to attend their offices if necessary.

As opposed to 15 years ago, most lenders no longer require their conveyancing panel solicitor to witness the borrowers signature. You will still be obliged to provide ID Documents and there are still distinct advantages to using a local solicitor, in your case a conveyancing solicitor in Tredegar.