I am helping my aunt sell her property in Whitland. Will the solicitor order the energy assessment or it is for me to coordinate?

Following the demise of HIPs, energy performance certificates was maintained a compulsory part of selling a house. An EPC should be commissioned prior to the property being put on the market. It is not as aspect of the sale process that conveyancers normally organise. If you are instructing a Whitland conveyancing lawyer they may be willing to arrange EPC’s due to their relationships with long established local assessors

I have paid off my mortgage with TSB. I assume I don't need a Whitland conveyancer on the TSB panel to remove the mortgage at the Land Registry. Please confirm.

If you have finished paying off your TSB mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the TSB mortgage from the register. TSB, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:

1. but are not moving to another property
2. where TSB has sent the Land Registry the discharge electronically, and
3. TSB has instructed the Land Registry to do so

My offer on a semi in Whitland has been agreed to, but there is a chain. The vendors have put an offer on somewhere, but it’s not been accepted yet, and are looking at other apartments in the pipeline. I have selected a nearby conveyancing solicitor in Whitland. What do I do now? When do I get the mortgage application with Skipton going?

It is normal to have anxieties where there is a chain as you are unlikely to want to incur costs too early (home loan application is in the region of £1k, then survey, Whitland conveyancing search fees, etc). First, you should check that your lawyer is on the Skipton conveyancing panel. As to the subsequent stages this very much dictated by the circumstances of your case, desire for the property and on the state of the market. In a buoyant market the majority of purchasers would apply for a home loan with Skipton and arrange for the valuation and only if it was satisfactory would they ask their conveyancing practitioner to move forward with searches.

I require quick conveyancing in Whitland as I am under an ultimatum to sign on the dotted line within 2 weeks. A mortgage is not required. Can I decline from having conveyancing searches to save fees and time?

If.Given you are are a cash buyer you are at free not to have searches carried out although no conveyancer would suggest that you don't. Drawing on years of experience of conveyancing in Whitland the following are instances of what can show up and therefore affect future saleability: Enforcement Notices, Outstanding Charges, Overdue Grants, Road Schemes,...

Yesterday I discovered that there is a flying freehold element on a property I put an offer in a fortnight ago in what was supposed to be a quick, chain free conveyancing. Whitland is the location of the property. Can you offer any advice?

Flying freeholds in Whitland are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Whitland you would need to get your solicitor to go through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Whitland may decide 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.

I'm remortgaging my current home to a BTL loan with Bank of Ireland and intend to use the remaining equity as a deposit on a second property. The location we are looking at is Whitland. Will your solicitors be able to act for the two banks and link together the two deals?

Do use our search tool on this page to ensure that the conveyancers are on the relevant lender panels. Assuming that they are your lawyer will be able to tie up the two deals but you should have a chat with you conveyancer and make apparent your desired outcome and requirements.

I’m about to sell my 2 bed apartment in Whitland. Conveyancing lawyers have not yet been instructed, but I have just had a quarterly maintenance charge demand – Do I pay up?

Your conveyancing lawyer is likely to suggest that you should discharge the service charge as normal because all rents and maintenance charges will be allotted on completion, so you will be reimbursed by the buyer for the period running from after the completion date to the subsequent invoice date. Most management companies will not acknowledge the buyer until the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. This will smooth the conveyancing process.

Whitland Conveyancing for Leasehold Flats - Examples of Queries before Purchasing

Best to be warned if changing the roof or some other major work is coming up that will be shared amongst the leaseholders and may well materially impact the level of the maintenance costs or result in a specific payment. Make sure you find out if there are any onerous prohibitions in the lease. By way of example some leases prohibit pets being allowed in in a block in Whitland. If you like the flatin Whitland yet your cat can’t live with you then you will be faced difficult compromise. You should be aware if it is less than 80 years it will have adverse implications on the salability of the property. It is worth checking with your bank that they are happy with the length of the lease. Leases with less than 80 years remaining means that you will most likely have to extend the lease at some point and it is worth finding out how much this will be. Remember, in most cases you will need to own the residence for 24 months in order to be eligible to carry out a lease extension.