We are due to move home in . Should my conveyancing solicitor liaise with the removal company on the completion day. On a separate note, can you put forward a removal company in Tredegar. Conveyancing lawyer was organised before I stumbled across your page.

On the afternoon of completion you can collect the keys from the selling agent but this can only happen when the previous owners conveyancers confirm to the agent that the monies to complete are in and the keys can be passed over. After that you will need to tell the removal company that you are ready to move in. As a matter of policy we do not suggest a particular removal organisation but can assist you in choosing a conveyancing in Tredegar or a firm with expertise in conveyancing in Tredegar.

Is it the case that all Tredegar solicitors on the conveyancing panel are overseen by the SRA?

As a firm of solicitors, in order to be on the conveyancing panel they would need to be regulated by the SRA. Some lenders do allow licenced conveyancers on their panel and in such a situation the firms would be regulated by the CLC.

The mortgage over my property is with for my property in Tredegar. Conveyancing was finalised a year ago. In the event that I decide to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform ?

must be informed of your intention before letting out your property as this is likely to be a breach of ’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact directly. It should not be necessary to do this via a conveyancing panel solicitor.

Are there restrictive covenants that are commonly picked up as part of conveyancing in Tredegar?

Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Tredegar. 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…’

I opted to have a survey completed on a house in Tredegar prior to retaining lawyers. I have been advised that there is a flying freehold aspect to the property. My surveyor has said that some lenders tend refuse to grant a loan on a flying freehold house.

It depends who your proposed lender is. Santander has different requirements from Birmingham Midshires. Should you wish to telephone us we can check via the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Tredegar. Conveyancing may be slightly more expensive based on your lender's requirements.

I have just appointed agents to market my garden flat in Tredegar. Conveyancing is yet to be initiated, but I have just received a quarterly maintenance charge invoice – Do I pay up?

It best that you clear the service charge as normal as all rents and service payments should be allotted as part of the financial calculations for completion monies, so you will be reimbursed by the buyer for the period running from after the completion date to the next payment date. Most managing agents 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.

Tredegar Leasehold Conveyancing - Sample of Questions you should ask before Purchasing

Does the lease have onerous restrictions? How many of the leaseholders are in arrears for their service charge payments? The prefered form of lease structure is a share of the freehold. In this situation the leaseholders have being in charge if their destiny and even though a managing agent is often retained where it is bigger than a house conversion, the managing agent retained by the leaseholders.

Our solicitor in Tredegar has discovered a defect with the lease for the flat we are buying in Tredegar. The seller’s lawyers have suggested title insurance as a workaround. We are content with insurance and will pay for it. Our lawyer says that as he is on the mortgage company conveyancing panel he must check that the lender is happy with this solution. Who is the client here, us or the bank?

Just because you have a mortgage offer from the lender does not mean to say that the property will be meet their requirements for the purposes of a mortgage. Your Tredegar conveyancing lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook Requirements. You and the mortgage company are the client. The appropriate lender requirements have to be complied with by the mortgage company conveyancing panel who has to balance acting for you and the mortgage company