I am acquiring a leasehold flat in Cardiff Bay. My lawyer is not listed on the bank solicitor panel. Can I still continue with my Cardiff Bay conveyancing solicitor notwithstanding that they are not on the lender panel?
Your options include
- Carry on with your preferred Cardiff Bay property lawyer but your lender will no doubt instruct a property lawyer on their approved list. The net result is additional charges together with likely frustration.
- Choose a fresh property lawyer to act in the purchase, making sure they are on the lender conveyancing panel.
- Appeal to your conveyancer to apply to join the bank panel
There is lots of here concerning conveyancing in Cardiff Bay but what is your top tip for selecting the right conveyancer in Cardiff Bay
We would encourage you not to go for the lowest Cardiff Bay conveyancing costs illustration. You really do get what you pay for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you go into the conveyancing with your eyes wide open.
I am purchasing a property in Cardiff Bay. A rare aspect is that the roof has a solar panel. HSBC have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that you are obtaining a mortgage with HSBC your lawyer must follow the formal requirements outlined in Section two of UK Finance Lenders’ Handbook for HSBC. The Council of Mortgage Lenders’ Handbook sets out minimum specifications for solar panel roof-space leases, and conveyancing practitioners are required to report to HSBC where a lease fails to satisfy these requirements. The requirements relate to the installation of panels on properties nationwide and is not limited to Cardiff Bay.
I had an offer accepted on a property in Cardiff Bay on 9/1/2026, valuation was booked 3 days after, all came back fine. Conveyancer instructed, so all that was missing was my mortgage offer. Having made daily calls to Santander and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Santander conveyancing panel. Can the lender hold off the offer?
A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Santander to deal with your lawyer's application to be on the Santander conveyancing panel. There's no guarantee that your solicitor will be accepted.
Is it necessary to pay for insurance to cover chancel repairs when acquiring a property in Cardiff Bay?
Unless a previous purchase of the house took place post 12 October 2013 you could assume that lawyers handling conveyancing in Cardiff Bay to remain encouraging a chancel search and or chancel repair liability insurance.
Taking into account that I will soon spend 450k on a property in Cardiff Bay I wish to have a conversation with the conveyancer about myconveyancing prior to appointing the firm. Can this be arranged?
We could not agree more - we would be happy to talk to you we do not take any clients on without you speaking to the conveyancer due to be carrying out your conveyancing in Cardiff Bay.There is no ‘factory style conveyancing’ - each client is an important person, not a case reference. The law firms that we put you in touch with believe that the figure you are quoted for residential conveyancing in Cardiff Bay should be the figure that you are charged.
My husband and I are novice buyers - had an offer accepted, yet the property agent has warned us that the vendor will only move forward if we appoint the agent's chosen lawyers as they are insisting on an ‘expedited deal’. We would rather use a high street solicitor accustomed to conveyancing in Cardiff Bay
We suspect that the owner is unaware of this request. Should the owner desire ‘a quick sale', alienating a serious purchaser is counter productive. Avoid the agents and go straight to the owners and explain that (a)you are motivated purchasers (b)you are excited to move forward, with mortgage lined up © you are chain free (d) you wish to move quickly (e)however you intend to instruct your preferred Cardiff Bay conveyancing firm - as opposed tothe ones that will give their estate agent a introducer fee or hit his conveyancing thresholds set by HQ.
At what stage do I pay stamp duty due for my purchase in Cardiff Bay?
Your conveyancing practitioner will complete a Land Transaction Return Form on your behalf during your Cardiff Bay conveyancing transaction for you to sign. On completion your conveyancer will submit the Land Transaction application to the Tax Authorities and - as long as they have the money - pay any tax bill payable on your behalf.