I am purchasing a house mortgage free in Adamsdown. I have been living for the last 15 years in Adamsdown. Conveyancing searches are exorbitant. As I have knowledge of the area and road very well should I not bother getting the solicitor to do all the conveyancing searches?
Provided that you do not need a mortgage, then all but one or two of the Adamsdown conveyancing searches are optional. Your lawyer will ’encourage you, no-doubt strongly, that you should have searches carried out, but he has a professional duty to take that path of advice. Do consider; if you are intend to dispose of the house at a future date, it will be of interest to your future purchaser what the searches determine. Sometimes properties with apparent issues can still reveal unfavourable search results. A competent conveyancing solicitor in Adamsdown should provide you some practical advice concerning this.
I own a freehold house in Adamsdown yet invoiced for rent, why is this and what is this?
It is rare for properties in Adamsdown and has limited impact for conveyancing in Adamsdown but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.
Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges date back hundreds of years, but the Rent Charge Act 1977 barred the creation of fresh rentcharges post 1977.
Old rentcharges can now be extinguished by making a one off payment under the Act. Any rentcharges that are still in existence post 2037 will be extinguished.
I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Adamsdown. My lender is Chelsea Building Society
Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 12/10/2025, the requirements read as follows :
I happen to be the sole recipient of my late father’s estate and I have everything in my name alone, including the house in Adamsdown. The Adamsdown property was put into my name in September. I plan to dispose of the property. I do know about the Mortgage Lenders 6 month 'rule', which means that my property ownership may be treated the same way as though I had purchased the house in September. Do I have to wait 6 months to sell?
The Council of Mortgage Lenders’ handbook requires conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you might be impacted by that. How sensible a view mortgage companies take of it, depend on the mortgage company as this clause is chiefly there to pick up on subsales or the quick reselling of property.
I have decided to exercise my right to buy my property in Adamsdown off the council. I have a mortgage offer with Lloyds. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Lloyds, you will need to appoint a solicitor on the Lloyds conveyancing panel.
Our offer on a house in Adamsdown has been agreed to, but there is a chain. The vendors have put an offer on on an apartment, however it’s not been accepted yet, and are looking at other apartments booked. I have instructed a high street conveyancing solicitor in Adamsdown. What should be my next step? When should I get the mortgage application with Clydesdale going?
It is normal to have concerns where there is a chain as you are unlikely to want to incur expenses prematurely (home loan application is in the region of £1k, then valuation, Adamsdown conveyancing search fees, etc). First, you should ensure that your solicitor is on the Clydesdale conveyancing panel. As to the subsequent stages this very much depends on the uniqueness of your case, motivation for this property and on the state of the market. During a hot market some buyers will apply for the mortgage with Clydesdale and pay for the valuation and only if it was satisfactory would they ask their conveyancer to press on with the conveyancing in Adamsdown.
I have been on the look out for a flat up to £235,500 and found one near me in Adamsdown I like with a park and station nearby, the downside is that it only has 49 years unexpired on the lease. There is not much else in Adamsdown suitable, so just wondered if I would be making a grave error purchasing a lease with such few years left?
Should you require a home loan the shortness of the lease may be an issue. Reduce the price by the expected lease extension will cost if it has not already been discounted. If the current owner has owned the premises for at least 2 years you could request that they start the process of the extension and pass it to you. You can add 90 years to the existing lease term and have £0 ground rent by law. You should speak to your conveyancing solicitor about this matter.
Having had my offer accepted I require leasehold conveyancing in Adamsdown. Before I set the wheels in motion I would like to find out the unexpired term of the lease.
Assuming the lease is recorded at the land registry - and most are in Adamsdown - then the leasehold title will always include the basic details of the lease, namely the date; the term; and the original parties. From a conveyancing perspective such details then enable any prospective buyer and lender to confirm that any lease they are looking at is the one relevant to that title. For any other purpose, such as confirming how long the term was granted for and calculating what is left, then the register should be sufficient on it's own.
I inherited a 1 bedroom flat in Adamsdown, conveyancing was carried out February 2001. Can you please calculate a probable premium for a statutory lease extension? Comparable flats in Adamsdown with over 90 years remaining are worth £180,000. The average or mid-range amount of ground rent is £65 levied per year. The lease expires on 21st October 2084
With 59 years unexpired we estimate the price of your lease extension to span between £20,900 and £24,200 plus professional fees.
The suggested premium range that we have given is a general guide to costs for renewing a lease, but we are not able to provide a more accurate figure without more comprehensive investigations. Do not use this information in tribunal or court proceedings. There may be other concerns that need to be considered and you obviously want to be as accurate as possible in your negotiations. Please do not move forward based on this information before seeking the advice of a professional.