We are buying a 2 bedroom apartment in Risca with a mortgage. We wish to retain our Risca solicitor, but the lender says he's not on their "panel". It appears that we have little option but to instruct one of the mortgage company panel conveyancing practices or retain our Risca solicitor as well as pay for one of their panel firms to act for them. We regard this is inequitable; are we not able to insist that the lender use our Risca solicitor ?

No, not really. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the lender’s conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your Risca conveyancing solicitor to apply to be on the conveyancing panel.

We see that you have a post code search directory identifying law firms on the Yorkshire BS conveyancing panel. Do companies pay you a commission if I appoint them for our own conveyancing in Risca?

We are a listing service only for law firms wishing to communicate if they are on the Yorkshire BS conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Risca.

I am selling my apartment in Risca. Does the conveyancer have to be required to be on the Clydesdale conveyancing panel in order to deal with the discharge of my mortgage?

Ordinarily, even if your lawyer is not on the Clydesdale 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 requirements fairly frequently in recent years.

What makes your site different to other online quote calculators when it comes to conveyancing in Risca?

At this site secure a fixed fee costs illustration from a Solicitor or Licensed Conveyancer that appreciates the nuances for your conveyancing in Risca. As opposed to estate agents and many comparison sites we do not charge firms a fee if you instruct them for your home move in Risca

Due to sign contracts shortly on a garden flat in Risca. Conveyancing solicitors assured me that they will have a report out to me tomorrow. What should I be looking out for?

Your report on title for your leasehold conveyancing in Risca should include some of the following:

What the implications are if you have violated the provisions of the lease? Repair and maintenance of the premises Whether your lease has a provision for a slush account for major works? Specifying your rights in respect of the communal areas in the block.By way of example, does the lease provide for a right of way over an accessway or hallways? You should know if the lease allows you to change or improve anything in the premises- you should know whether any restrictions relates to all alterations or just structural alteration, and whether licences for alterations is mandated necessary

Leasehold Conveyancing in Risca - A selection of Queries before buying

Be sure to find out if the the lease includes any unreasonable restrictions in the lease. By way of example plenty of leases prohibit pets being permitted in certain buildings in Risca. If you like the apartmentin Risca however your dog is not allowed to make the move with you then you will be faced hard compromise. Does the lease include onerous restrictions? The best form of lease structure is a share of the freehold. In this situation the tenants have being in charge if their destiny and even though a managing agent is usually retained if the building is larger than a house conversion, the managing agent is directed by the tenants.