I am told that my conveyancing solicitors will need to check that the building insurance for my purchase of a house in Llandysul. My lender is Platform
Platform have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 27/4/2025, the requirements read as follows :
I had a mortgage agreed in principle with Bank of Ireland. Llandysul conveyancing solicitors have been appointed. What is the average time that one could expect to receive a mortgage offer from Bank of Ireland?
Some lenders take longer than others. Have Bank of Ireland completed the valuation? Have you informed Bank of Ireland as to your lawyers' details and checked that your lawyers are on the Bank of Ireland conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
I am purchasing a property in Llandysul. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Skipton be concerned?
As your lender is Skipton your lawyer must follow the conveyancing requirements contained in Section two of UK Finance Lenders’ Handbook for Skipton. The CML Handbook sets out minimum requirements for solar panel roof-space leases, and conveyancing practitioners are required to report to Skipton where a lease does not satisfy these conditions. The specifications relate to the installation of panels on properties countrywide and is not isolated to Llandysul.
RBS have agreed my home loan in principle, my offer on a property in Llandysul has been accepted, what are the next steps?
Your estate agent will wish to be advised as to your solicitor's details (make sure the solicitors are on the bank’s approved list). Call up RBS or your broker and complete any outstanding forms. RBS will appoint a valuer who will get in contact with the selling agent or seller to schedule a time for the valuation to take place. Once carried out (assuming no problems) it takes approximately ten days for the mortgage offer to be issued. RBS will send the offer to you and your property lawyers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Llandysul.
How does conveyancing in Llandysul differ for newly converted properties?
Most buyers of new build or newly converted property in Llandysul approach us having been asked by the housebuilder to sign contracts and commit to the purchase even before the property is completed. This is because builders in Llandysul typically buy the land, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Llandysul or who has acted in the same development.
Taking into account that I am about to spend over three hundred thousand on a terraced house in Llandysul I would like to have a conversation with the lawyer regarding thehouse move in advance of instructing the firm. Is this something that you can arrange?
We could not agree more - we would be happy to talk to you we do not take any clients on without you liaising with the conveyancer who will be conducting your conveyancing in Llandysul.There is no ‘factory style conveyancing’ - each client is an important individual, not a case reference. The law firms that we put you in touch with believe that the fees you are quoted for residential conveyancing in Llandysul should be the amount on the final invoice that you are charged.
I have been sourcing a conveyancing practitioner in Llandysul for my sale. Is there any facility to see a solicitor's record with the legal regulator?
One may see published Solicitor Regulator Association (SRA) determinations resulting from investigations started on or after 1 January 2008. Visit Check a solicitor's record. For details about the period before 1 January 2008, or to check a solicitors record, ring 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For non-uk callers, dial +44 (0)121 329 6800. The SRA may recorded call for training purposes.
Last December I purchased a leasehold property in Llandysul. Am I liable to pay service charges relating to a period prior to my ownership?
In a situation where the service charge has already been demanded from the previous lessee and they have not paid you would not usually be personally liable for the arrears. Strange as it may seem, your landlord may still be able to take action to forfeit the lease. It is an essential part of leasehold conveyancing for your conveyancer to be sure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.
If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).
Llandysul Leasehold Conveyancing - Sample of Questions you should ask Prior to Purchasing
-
Where a Llandysul lease has less than 80 years it will affect the marketability of the flat. Check with your bank that they are willing to go ahead with the loan given the lease term. A short lease means that you will most likely require a lease extension at some point and you need to have some idea of how much this will be. For most Llandysullease extensions you would be required to have been the owner of the property for 24 months in order to be legally able to extend the lease. Who is in charge of the building?