My wife and I are only a couple days away from an exchange on a flat in Gower and my parents have transferred the exchange deposit to my lawyer. I am now informed that as the deposit has been received from someone other than me my conveyancing practitioner needs to disclose this to my lender. I am advised that, in also acting for the bank he must inform them that the balance of the purchase price is coming from anyone other than me. I disclosed to the bank concerning my parents' contribution when I applied for the home loan, so is it really necessary for him to raise this?
Your lawyer is legally required to clarify with the bank to ensure that they understand that the balance of the purchase price is not from your own funds. The solicitor can only report this to your bank if you permit them to, failing which, your lawyer must cease to continue acting.
Completed the sale of my flat in Gower last October yet the purchaser is SMS messaging me to moan that her lawyer needs to hear from mylawyer. What should my lawyer have done following completion?
After completion of your house sale your conveyancer is obliged to send the transfer documentation and all of the paperwork to the purchaser's conveyancer. Where relevant, your lawyer should also send confirmation that the legal charge in favour of the lender has been paid off to the buyers solicitors. There is unlikely to be post completion tasks peculiar conveyancing in Gower.
I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Gower. My lender is Accord Mortgages
Accord Mortgages have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 19/9/2026, the requirements read as follows :
Can you help - my lawyer advises that defective lease insurance is required on my purchase. What is the typical level of cover needed for conveyancing in Gower?
The right level of defective lease indemnity insurance depends on who your lender is. It would differ for example between Barclays and Leeds Building Society. Conveyancing practitioners as opposed to borrowers take out such insurances.
Completion of my remortgage has taken place for my property in Gower. Conveyancing was satisfactory but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?
Almost all lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Department at head office. We understand that complaints to a lender are resolved effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
After weeks of negotiation I have agreed a price on a house in Gower. My financial adviser recommended their conveyancers. I paid an advanced payment of £200. Shortly after, the conveyancer called me to say that they were not on the Kent Reliance 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 Kent Reliance 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.
I am purchasing my first flat in Gower with a mortgage from Platform Home Loans Ltd. The developers would not reduce the price so I negotiated 6k of additionals instead. The estate agent told me not reveal to my conveyancer about the side-deal as it would impact my mortgage with the bank. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the builder 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.
Over the last few months I have been searching for a ground for flat up to £245,000 and found one round the corner in Gower I like with open areas and transport links nearby, the downside is that it's only got 51 years unexpired on the lease. I can't really find anything else in Gower suitable, so just wondered if I would be making a mistake purchasing a lease with such few years left?
Should you require a home loan that many years will be problematic. Discount the offer by the amount the lease extension will cost if not already taken into account. If the current owner has owned the property for a minimum of twenty four months you could request that they commence the lease extension formalities and then assign it to you. An additional ninety years can be extended on to the current lease term and have £0 ground rent by law. You should consult your conveyancing solicitor concerning this matter.