About to place a bid on a leasehold apartment in Tonypandy. The selling agents say that it is standard for flats in Tonypandy to have less than 75 years unexpired on the lease. I am obtaining a mortgage with Chelsea Building Society. Will the property be mortgageable given that the lease has 70 years remaining.
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are getting a mortgage then your lender may insist that the lease be extended before competition. Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 6/7/2025 the requirements read as follows :
We had instructed solicitors located in Tonypandy on the Santander solicitor approved list. They have just billed me a supplemental fee for dealing with the Santander mortgage. Is this a supplemental conveyancing fee specified by Santander?
Provided it is contained in their Terms and Conditions or Quote then yes your solicitor may charge a fee for this. This fee is not set by Santander but by your Tonypandy solicitor. Plenty of firms on the Santander panel will levy ’dealing with mortgage’ fee and others do not.
Can I be sure that the Tonypandy conveyancing solicitor on the RBS panel is any good?
When it comes to conveyancing in Tonypandy 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 advertising the lowest fees. We would always suggest that you speak with the solicitor carrying out your conveyancing.
I recently had an offer accepted on a house in Tonypandy. My mortgage broker suggested a conveyancer. I paid an advanced payment of £150. Shortly after, the conveyancer called me embarrassingly acknowledging that they were not on the HSBC conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the HSBC panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
Despite weeks of looking the Title Certificate and documents to our house are lost. The conveyancers who dealt with the conveyancing in Tonypandy 5 years ago are no longer around. What do I do?
In today’s world there are duplicates made of almost everything, and your solicitor should be aware exactly where to find all the appropriate paperwork so you may purchase or dispose of your house without a hitch. If copies are not available, your lawyer can put in place insurance or indemnities against future claims on the premises.
I'm purchasing a new build house in Tonypandy with the aid of help to buy. The sellers refused to budge the price so I negotiated £7000 of additionals instead. The house builders rep suggested that I not reveal to my conveyancer about the side-deal as it could affect my mortgage with Platform Home Loans Ltd. Is this normal?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Should I be suspicious by brokers that I am dealing with are encouraging me to use a nationwide conveyancing firm as opposed to a local Tonypandy conveyancing practice?
As with many service providers, often suggestions from family and friends can be extremely useful or valuable. Nevertheless there are lots of players in a conveyancing matter; estate agents, mortgage brokers and mortgage companies might all recommend solicitors to instruct. Sometimes these solicitors might be known to one of the organisations as one of the best in their field, but occasionally there behind the scenes commercial relationship behind the endorsement. You have the right to appoint your preferred conveyancer. You need to be aware that some banks have an approved list of law firms you are obliged to use for the lender aspect of your house move.