We were just about to sign contracts for a leasehold flat in Llandaff. We encountered a stumbling block. Our mortgage offer with HSBC Bank expires on 23/3/2026 but the vendors are insisting on a completion date of 25/3/2026. Is it possible to prolong the loan offer?
The best person to address this question is your solicitors who will hopefully determine if he or she is corresponding with the bank, vendor’s solicitors, selling agents or indeed all parties given the history of your transaction as of today.
My lawyer has informed me that lack of planning permission insurance is needed on my purchase. What is the level of cover for Llandaff conveyancing?
The appropriate level of lack of planning permission indemnity insurance depends on who your lender is. It would differ for example between National Westminster Bank and Skipton Building Society. Conveyancing practitioners as opposed to borrowers take out such policies.
How can we know in advance if a Llandaff conveyancing solicitor on the Barclays panel is any good?
When it comes to conveyancing in Llandaff obtaining recommendations is a sensible starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one advertising the lowest fees. We would always advocate that you speak with the solicitor carrying out your conveyancing.
I am due to exchange contracts on my apartment. I had a double glazing fitted in February 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Co-operative are being difficult. The Llandaff solicitor who is on the Co-operative conveyancing panel is saying indemnity insurance will be fine but Co-operative are requiring a building regulation certificate. Why do Co-operative have a conveyancing panel if they don't accept advice from them?
It is probably the case that Co-operative have referred the matter to their valuer. The reason why Co-operative may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
Do I need to pay for insurance to protect me from financial exposure to chancel repairs when purchasing a residence in Llandaff?
Unless a previous acquisition of the house completed after 12 October 2013 you could take it that conveyancing practitioners conducting conveyancing in Llandaff to remain encouraging a chancel search and or chancel repair liability insurance.
Are there restrictive covenants that are commonly picked up as part of conveyancing in Llandaff?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Llandaff. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
My husband and I are a couple of weeks into a leasehold purchase having been recommend to a firm by the estate agent to do our conveyancing in Llandaff. I am am starting to be dissatisfied with the level of service. Can you help me find new conveyancers?
They would have to be really bad to suggest changing them. Has your loan offer been sent? In the event that it has you will need to make them aware of the replacement lawyer and get the mortgage documents are issued to the new lawyers. Your new conveyancer should be on the mortgage company panel to avoid added charges and delays. That should be your first question of the new conveyancers. Our find a solicitor tool should help you find a bank approved solicitor for your conveyancing in Llandaff