Forgive me if this question is silly but I am wet behind the ears as FTB of a ground floor flat in Swansea. Do I collect the keys to the premises on the completion date from my solicitor? If this is the case, I will use a local conveyancing solicitor in Swansea?

There is no need to visit the lawyers office on the day of completion. Conveyancing lawyers for you will arrange to send the purchase money to the vendor’s lawyers, and once they have received this, you will be called to collect the keys from the property Agents and move into your new home. This tends to happen between 1 and 3pm.

Can I be sure that the Swansea conveyancing solicitor on the RBS panel is any good?

When it comes to conveyancing in Swansea getting recommendations is a sensible starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always suggest that you speak with the lawyer handling your transaction.

I had a mortgage agreed in principle with Clydesdale. Swansea conveyancing practitioners have been appointed. What is the average time that one could expect to receive a mortgage offer from Clydesdale?

There is no definitive answer here. Have Clydesdale completed the valuation? Have you advised Clydesdale as to your lawyers' details and checked that your lawyers are on the Clydesdale conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.

Various internet forums that I have visited warn that are a common cause of obstruction in Swansea conveyancing transactions. Is this right?

The Council of Property Search Organisations (CoPSO) released findings of a review by MoveWithUs that conveyancing searches do not figure amongst the common causes of hindrances in the conveyancing process. Local searches are not likely to be the root cause of slowing down conveyancing in Swansea.

Are there restrictive covenants that are commonly identified during conveyancing in Swansea?

Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Swansea. 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…’

When it comes to leasehold conveyancing in Swansea what are the most common lease defects?

Leasehold conveyancing in Swansea is not unique. All leases are drafted differently and drafting errors can sometimes mean that certain sections are erroneous. The following missing provisions could result in a defective lease:

A provision for the recovery of money spent for the benefit of another party.

A defective lease can cause problems when trying to sell a property as they can affect a potential buyer’s ability to obtain a mortgage. Santander, Coventry Building Society, and Godiva Mortgages Ltd all have very detailed requirements when it comes to what is expected in a lease. Where a lender has been advised by their lawyers that the lease does not cover certain provisions they may refuse to provide security, obliging the buyer to withdraw.

Swansea Conveyancing for Leasehold Flats - Sample of Questions you should ask Prior to Purchasing

Does the lease contain onerous restrictions? What is the yearly service fee and ground rent?

What type of premises does your Swansea conveyancing estimates apply to?

The quotes supplied are only relevant to standard domestic premises in England & Wales. Where you have any different needs such as industrial or agricultural land or commercial conveyancing in Swansea do telephone us to address this further .