Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in St Clears. My lender is Platform
Platform have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 12/4/2025, the requirements read as follows :
What does a local search reveal about the house I am buying in St Clears?
St Clears conveyancing often commences with the applying for local authority searches directly from your local Authority or via a personal search company for instance PSG The local search is essential in every St Clears conveyancing purchase; as long as you wish to avoid any unpleasant once you have moved into your property. The search should provide information on, amongst other things, details on planning applications applicable to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 topic headings.
How does conveyancing in St Clears differ for newly converted properties?
Most buyers of new build premises in St Clears come to us having been asked by the seller to exchange contracts and commit to the purchase even before the premises is completed. This is because developers in St Clears tend to acquire the site, 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 used to new build conveyancing in St Clears or who has acted in the same development.
I've recently found out that there is a flying freehold element on a house I have offered on last month in what should have been a quick, chain free conveyancing. St Clears is where the house is located. Can you offer any assistance?
Flying freeholds in St Clears are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside St Clears you must be sure that your lawyer goes through the deeds thoroughly. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in St Clears may ascertain 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 property.
What are your top tips when it comes to appointing a St Clears conveyancing firm to carry out our lease extension conveyancing?
When appointing a property lawyer for lease extension works (regardless if they are a St Clears conveyancing firm) it is most important that he or she should be familiar with the legislation and specialises in this area of work. We suggest that you make enquires with several firms including non St Clears conveyancing practices prior to instructing a firm. Where the conveyancing practice is ALEP accredited then that’s a bonus. The following questions could be of use:
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If they are not ALEP accredited then what is the reason? Can they put you in touch with clients in St Clears who can give a testimonial?
Leasehold Conveyancing in St Clears - A selection of Queries Prior to buying
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You will want to discover as much as possible concerning the company managing the block as they will affect your use and enjoyment of the property. As the proprietor of a leasehold property you will be at the mercy of the managing agents from a financial perspective and when it comes to practical matters like the tidiness of the communal areas. Enquire of other tenants if they are happy with them. Finally, be sure you understand the dates that you are obliged pay the service charge to the managing agents and precisely how they are spending the funds. Please inform me if there are any major works anticipated that will add a premium to the service charges? What restrictions are contained in the St Clears Lease?
Is there a reason that St Clears conveyancing fees are higher for leasehold and freehold properties?
When acquiring a leasehold property there is more work involved purely due to the fact that usually there are further parties involved in the form of the freeholder and/or Management Agents. As part of a lawyers enquiries they will check that all ground rent and service charges are paid up to date amongst other general leasehold matters. For this reason, the Sellers lawyers usually have to refer to the freeholder or Managing Agent for their replies to our questions. This may be time consuming and beyond the lawyers control