It is is a decade since I purchased my house in Whitland. Conveyancing solicitors have now been retained on the sale but I can't locate my deeds. Will this cause complications?

Don’t worry too much. First there is a possibility that the deeds will be kept by the lender or they may stored with the lawyers who acted in the purchase. Secondly in most cases the property will be registered at the land registry and you will be able to establish that you own the property by your conveyancing lawyers procuring current official copies of the land registers. Most conveyancing in Whitland involves registered property but in the rare situation where your property is not registered it is more problematic but is resolvable.

We are expecting a mortgage offer soon. The bank mentioned the loan came with free conveyancing. Does this mean I have to instruct their panel solicitor as I would much rather appoint a local conveyancing solicitor in Whitland?

Do check but the chances are that appoint one of their panel solicitors if you want the "fee-free" deal. Contact the mortgage company to check if they offer you a monetary alternative. It is not unheard for a lender to give a £250 cashback as a further option in which case you could put that amount towards your preferred conveyancing solicitor near Whitland.

I am looking for a flat up to £195,000 and found one near me in Whitland I like with open areas and railway links in the vicinity, the downside is that it's only got 49 years on the lease. I can't really find anything else in Whitland for this price, so just wondered if I would be making a grave error purchasing a short lease?

Should you need a home loan the shortness of the lease will likely be a potential deal breaker. Discount the offer by the expected lease extension will cost if it has not already been discounted. If the current proprietor has owned the premises for at least twenty four months you may ask them to commence the lease extension formalities and then assign it to you. You can add 90 years to the existing lease with a zero ground rent applied. You should consult your conveyancing lawyer about this.

I am downsizing from my house. My previous solicitors has retired. I would be grateful for any recommendation of a conveyancing firm. I happen to live in Whitland if that affects matters.

Please use our search tool to help you choose a solicitor for your conveyancing in Whitland. We have connected thousands of home buyers and sellers with lender approved solicitors to ensure that the legalities of their house move runs with a minimum of fuss.

I only have Sixty One years left on my lease in Whitland. I now wish to get lease extension but my landlord is missing. What options are available to me?

If you qualify, under the Leasehold Reform, Housing and Urban Development Act 1993 you can submit an application to the County Court for for permission to dispense with the service of the initial notice. This will enable the lease to be lengthened by the Court. You will be obliged to prove that you or your lawyers have done all that could be expected to locate the lessor. In some cases an enquiry agent may be useful to carry out a search and to produce an expert document to be used as proof that the landlord is indeed missing. It is wise to seek advice from a property lawyer in relation to devolving into the landlord’s absence and the application to the County Court covering Whitland.

Leasehold Conveyancing in Whitland - Examples of Questions you should consider Prior to Purchasing

Who are the managing agents? If a Whitland lease has no more than eighty years it will impact the marketability of the apartment. Check with your lender that they are willing to lend given the lease term. Leases with less than 80 years remaining means that you will almost definitely have to extend the lease sooner rather than later and you need to have some idea of what this would cost. Remember, in most cases you will be required to have been the owner of the property for 24 months before you are legally able to extend the lease. What prohibitions are contained in the Whitland Lease?