I am only a couple days away from an exchange on a property in Pensysarn and my mum and dad have sent the exchange deposit to my lawyer. I am now told that as the deposit has been received from someone other than me my solicitor needs to make a notification to my bank. Apparently, in also acting for the bank he must inform them that the balance of the purchase price is not just from me. I informed the bank regarding my parents' contribution when I applied for the home loan, so is it really necessary for this now to hold matters up?
The conveyancer is duty bound to clarify with mortgage company to make sure that they know that the balance of the purchase price is not from your own funds. The solicitor can only notify this to your lender if you agree, failing which, your lawyer must cease to continue acting.
I am about to put a bid on a leasehold flat in Pensysarn. The property agents advise that it is the norm for flats in Pensysarn to have less than 75 years left on the lease. I am expecting a loan with Tesco Bank. Will the property be mortgageable given that the lease has 72 years left.
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are obtaining a mortgage then your lender may insist that the lease be extended before competition. Tesco Bank have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 9/10/2025 the requirements read as follows :
This question may be naive but I am unexperienced as a 1st time purchaser of a garden flat in Pensysarn. Do I receive the keys to the house on the completion date from my conveyancer? If this is the case, I will use a High Street conveyancing solicitor in Pensysarn?
There is no need to visit the lawyers office on the day of completion. Conveyancing lawyers for you will electronically transfer the completion advance to the seller's lawyers, and once they have received this, you should be able to receive the keys from the selling Agents and start moving into the property. This tends to happen early afternoon.
I am buying a property in Pensysarn. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Clydesdale be concerned?
Given that your lender is Clydesdale your lawyer must check the conveyancing requirements set out in Section two of UK Finance Lenders’ Handbook for Clydesdale. The CML Handbook sets out minimum conditions for solar panel roof-space leases, and lawyers are required to report to Clydesdale where a lease does not meet these requirements. The provisions relate to the installation of panels on properties in England and Wales and is not isolated to Pensysarn.
I was told three weeks ago that my mortgage has been agreed to by Kent Reliance. Is it usual for Kent Reliance to only issue the offer once my solicitor in Pensysarn is approved on their conveyancing panel? Kent Reliance have asked my solicitor to see a copy of their PI Insurance.
A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Kent Reliance to deal with your lawyer's application to be on the Kent Reliance conveyancing panel. There's no guarantee that your solicitor will be accepted.
I understand that there are debates on Chancel Insurance on online forums. Am I compelled to have this when buying a residence in Pensysarn? or I am told that there is historic law that could mean that house owners residing in a parish church boundary may be liable to pay for maintenance to the chancel within the church. Is this appropriate for conveyancing in Pensysarn?
Unless a previous purchase of the property took place after 12 October 2013 you could assume that lawyers conducting conveyancing in Pensysarn to continue to recommend a chancel search and or insurance against a claim.
I am looking for a conveyancing solicitor in Pensysarn for my home move. Can I check a solicitor's record with the legal regulator?
Members of the public may review presented Solicitor Regulator Association (SRA) decisions arising from inquisitions started on or after 1 January 2008. Go to Check a solicitor's record. To find information Pre 2008, or to check a solicitors record, call 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For callers outside the UK, dial +44 (0)121 329 6800. The SRA may monitor call for training purposes.
How does one as executor remove a deceased person's name from the title register for a property in Pensysarn?
Where a Pensysarn property is co-owned and one of the owners passes away, their name will not immediately be removed from the title deeds. You are not required to remove their name as in the event of a disposal you would just need to supply proof why the co proprietor is missing from the contract, ordinarily this is in the form of a grant of probate.
With a view to making the sale conveyancing more straight forward in the future you may arrange to have the deceased name erased from the title by submitting an application to HM Land Registry with proof of the death. There is no fee from the Registry for this service.