Will my conveyancing lawyers need to check that the building insurance when buying a house in Radyr. My lender is The Mortgage Works
The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 24/8/2026, the requirements read as follows :
is it true that all Radyr solicitor practices on the HSBC conveyancing panel are governed by the SRA?
As a firm of solicitors, in order to be on the HSBC conveyancing panel they would need to be overseen by the SRA. The majority of lenders do permit licenced conveyancers on their panel in which case such firms would be regulated by the Council of Licensed Conveyancers.
We previously chose conveyancers located in Radyr on the Barclays solicitor panel. They are now charging me a separate amount for handling the Barclays mortgage. Is this an additional conveyancing fee specified by Barclays?
Unfortunately, so long as it is in their Terms of Engagement or estimate then yes your solicitor can charge a fee for this. This charge is not dictated by Barclays but by your Radyr conveyancer. Plenty of firms on the Barclays panel will charge ’dealing with mortgage’ fee but plenty of practices incorporate it on their overall fee.
Can I be sure that the Radyr conveyancing solicitor on the Kent Reliance panel is any good?
When it comes to conveyancing in Radyr getting recommendations is a good starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always suggest that you speak with the lawyer carrying out your transaction.
I am buying a new build house in Radyr with the aid of help to buy. The sellers refused to move on the amount so I negotiated 6k of fixtures and fittings instead. The estate agent told me not to tell my conveyancer about the extras as it will adversely affect my mortgage with the lender. Should I keep quiet?.
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.
I've recently found out that there is a flying freehold issue on a house I have offered on last month in what should have been a straight forward, no chain conveyancing. Radyr is the location of the property. Can you shed any light on this issue?
Flying freeholds in Radyr are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Radyr you would need to get your solicitor to go through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Radyr may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.
I am thinking of appointing a conveyancing practitioner in Radyr for my home move. Can I see a solicitor's record with the profession’s regulator?
You can find published Solicitor Regulator Association (SRA) determinations stemming from inquisitions commenced on or after Jan 2008. Visit Check a solicitor's record. For records about the period before 1 January 2008, or to check a solicitors history, phone 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. International callers, use +44 (0)121 329 6800. The regulator sometimes recorded telephone calls for training requirements.
I am employed by a reputable estate agency in Radyr where we have witnessed a few flat sales put at risk as a result of short leases. I have received conflicting advice from local Radyr conveyancing firms. Please can you clarify whether the vendor of a flat can initiate the lease extension process for the buyer?
As long as the seller has been the owner for at least 2 years it is possible, to serve a Section 42 notice to kick-start the lease extension process and assign the benefit of the notice to the purchaser. This means that the buyer can avoid having to wait 2 years to extend their lease. Both sets of lawyers will agree to form of assignment. The assignment needs to be completed before, or at the same time as completion of the sale.
Alternatively, it may be possible to agree the lease extension with the freeholder either before or after the sale. If you are informally negotiating there are no rules and so you cannot insist on the landlord agreeing to grant an extension or transferring the benefit of an agreement to the purchaser.
I invested in buying a garden flat in Radyr, conveyancing having been completed January 2011. Can you shed any light on how much the price could be for a 90 year extension to my lease? Equivalent properties in Radyr with a long lease are worth £195,000. The ground rent is £45 per annum. The lease finishes on 21st October 2088
With 62 years left to run we estimate the premium for your lease extension to be between £17,100 and £19,800 as well as plus your own and the landlord's "reasonable" professional fees.
The figure that we have given is a general guide to costs for renewing a lease, but we cannot give you the actual costs without more comprehensive investigations. You should not use the figures in tribunal or court proceedings. There may be additional issues that need to be considered and clearly you should be as accurate as possible in your negotiations. Neither should you move forward based on this information without first seeking the advice of a professional.