Me and my wife are acquiring a flat in St Mellons. My Solicitor is not listed on the lender conveyancing list. Can I still use my St Mellons conveyancing solicitor even though they are not on the mortgage company list of approved lawyers?

One will need to instruct a to deal with the legal work required when you require a mortgage to purchase your home. They will conduct all the essential investigations on the property, ensuring that you will be properly registered as the owner and ensure that all the necessary mortgage paperwork is dealt with. One could appoint a St Mellons of your choosing. However, if the selected is not a member of the mortgage company approved list additional costs will arise as separate legal representation will be required by them. Bank panel applications can be submitted, so if your lawyer has not in the past applied for membership they can do so.

Just had an offer accepted on a new build apartment in St Mellons. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.

Set out below are examples of a few leasehold new build questions that you can expect your new-build leasehold conveyancing in St Mellons

Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? There must be mutual enforceability of lessee’s covenants. Please supply a car parking plan. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? The Vendor must covenant to keep unoccupied units in good repair until long leases are granted therefore.

I decided to have a survey completed on a house in St Mellons prior to appointing lawyers. I have been advised that there is a flying freehold overhang to the property. Our surveyor has said that some mortgage companies will refuse to grant a mortgage on such a house.

It depends who your proposed lender is. HSBC has different requirements from Halifax. Should you wish to telephone us we can look into this further with the relevant bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in St Mellons. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in St Mellons to see if the conveyancing will be more expensive.

In surfing the world wide web for the phrase cheap conveyancing in St Mellons it shows results of many conveyancersin the vicinity. With so much choice what is the best way to find the right conveyancing solicitor for my move?

The best way of seeking the right conveyancer is via personal recommendation, so ask friends and those you trust who have purchased a property in St Mellons or a reputable estate agent or financial adviser. Fees for conveyancing in St Mellons differ, so it's sensible to obtain a minimum of three costs illustrations from different property lawyers. Be sure to secure confirmation what costs in the quote includes.

Is there a reason that St Mellons conveyancing fees differ for leasehold and freehold properties?

Inevitably there is more work involved in leasehold conveyancing. St Mellons has many leasehold properties. There is more time involved in the purchase: for example, the lease and leasehold information (including current service charge, ground rent and buildings insurance details) obtained from the freeholder or managing agents. There are strict criteria that the lease must meet in order to be acceptable to a mortgage company. If it does not meet these requirements, the lease must be amended, which can involve additional expense for the seller.