I am hoping to complete my purchase in Llanrumney next Monday. My property lawyer now wants me to supply her with proof of content and building insurance for the property as as she informs me that she is duty bound to validate that it is in order for the bank. What does the insurance need to cover?

Any lawyer on acting for lenders would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in a lender’s UK Finance Lenders’ Handbook conditions. These obligations are not unique to conveyancing in Llanrumney.

Do I have to attend the offices of the solicitor to execute the mortgage deed? If so, I will instruct a firm who offer conveyancing in Llanrumney so that I can pop in to their offices if necessary.

These days approved lawyers for mortgage companies undertake the vast majority of communications through Royal Mail, internet or over phone calls. This means that they can undertake the legal work for your home move no matter where you live in the country. Nevertheless you can see if you have the option of going to the offices of your conveyancing lawyer if needed.

Do I choose a Licenced Conveyancer or Solicitor for conveyancing in Llanrumney?

Two types of professional can perform conveyancing in Llanrumney namely CLC regulated conveyancers or solicitors. Both professionals provide the legal services that required to complete the sale or acquisition of property. They are both obliged to execute Llanrumney conveyancing on similar quality and guidelines so you may be sure that your conveyancing will be properly carried out and that the requisite steps should be correctly attended to.

Forgive me if this question is silly but I am new to the process as a 1st time buyer of a garden flat in Llanrumney. Do I collect the keys to the property on the completion date from my solicitor? If this is the case, I will use a High Street conveyancing solicitor in Llanrumney?

On the day of completion you do not need to attend the conveyancers office in Llanrumney. Conveyancing lawyers for you will transfer the completion advance to the owner’s lawyers, and once they have received this, you will be called to receive the keys from the property Agents and start moving into the property. This tends to happen early afternoon.

I had an offer accepted on a property in Llanrumney on 30/10/2025, valuation was booked 3 days later, all came back fine. Solicitor retained, so the only thing outstanding was my mortgage offer. Having made daily calls to Lloyds and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Lloyds conveyancing panel. Can the lender hold off the offer?

Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Lloyds to deal with your lawyer's application to be on the Lloyds conveyancing panel. There's no guarantee that your solicitor will be accepted.

Due to the guidance of my in-laws I had a survey completed on a house in Llanrumney before appointing solicitors. I have been informed that there is a flying freehold overhang to the house. The surveyor advised that some lenders may refuse to grant a mortgage on this type of premises.

It varies from the lender to lender. HSBC has different requirements for example to Halifax. If you call us we can investigate further via the relevant lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Llanrumney. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Llanrumney to see if the conveyancing will be more expensive.

What type of conveyancing matters do Llanrumney conveyancing practices offer?

For the most part Llanrumney conveyancing firms tend to supply various services to home and land owners, sellers, investors, freeholders and tenants which may include:

Standard residential sale conveyancing in Llanrumney or elsewhere in the country Property purchase conveyancing in Llanrumney and countrywide Estate Conveyancing Cohabitation Agreements Equity transfer between partners and families Acquisition of council property under the Right to Buy Scheme