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Find a Whitland Conveyancing Solictior on Your Lender’s Panel

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

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


Recently asked questions about conveyancing in Whitland

About to place an offer on a leasehold property in Whitland. The property agents assure me that it is the norm for flats in Whitland to have less than 75 years left on the lease. I am obtaining a loan with Virgin. Will the property be mortgageable given that the lease has Seventy One years to go.

Most leasehold conveyancing experts should be able to deal with a lease extension. if you are obtaining a mortgage then your lender may insist that the lease be extended before competition. Virgin have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 9/12/2018 the requirements read as follows :

85 years at the time of the mortgage application. If the term of the lease is less than this then we require the term to be extended on or before completion.

I am buying a new build flat in Whitland. 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 selection of leasehold new build enquiries that you may expect your new-build leasehold conveyancing in Whitland

    Please supply a car parking plan. Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified. Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. Please confirm the Lease plans are architect prepared. The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore.

I've recently found out that there is a flying freehold element on a property I have offered on a fortnight ago in what was supposed to be a simple, no chain conveyancing. Whitland is where the house is located. Is there any guidance you can give?

Flying freeholds in Whitland are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Whitland you must be sure that your lawyer goes through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Whitland may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.

We are a couple of weeks into a freehold purchase having been recommend to solicitors by the estate agent to carry out the conveyancing in Whitland. I am am extremely frustrated with the level of service. Can you you assist me in finding new solicitors?

They would have to be really poor to suggest replacing them. Has the loan offer been generated? In the event that it has you will need to make them aware of the new conveyancer and have the offer are re-sent. Your solicitor ideally needs to be on the mortgage company panel to avoid added costs and delays. So that should be your starting point. Our find a solicitor tool should help you find a bank approved solicitor for your conveyancing in Whitland

I am just shy of a 10% deposit on my flat purchase in Whitland , but I am keen go ahead. What can I do?

You can agree a lower deposit. Most sellers will accept a lower deposit or even no deposit for a first time buyer or 100% mortgage. Be aware though that if you fail to complete you will still need to hand over a minimum of 10% of the purchase price regardless of how much deposit was agreed.

You can also agree a simultaneous exchange and completion as no deposit is required for this however neither party will be tied in until completion actually takes place and it can be risky if sellers change their mind at the last minute

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