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Conveyancing in Cardigan Q & A's

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By

Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 27/07/17

Relevant local Cardigan travel and public service facts and figures -

Cardigan's closest station is Henllan at 12 miles and the nearest airport to Cardigan is Aberporth, West Wales Airport (5 miles). Haverfordwest Airport Airport is 22 miles and Aberporth Airport is 5 miles away.

Q.

Cardigan area info

A.

Cilgerran Castle National Trust St Dogmaels Abbey Cadw and Cilgerran Castle Cadw are in Cardigan.

The closest hospital is Cardigan & District Memorial.

Q.

How do I get fixed rate conveyancing?

A.

Misleading conveyancing quotes catch out many homeowners, leaving them to pay sometimes £100s more than planned, and many firms advertise so-called cheap conveyancing quotes, but additional charges are often hiding in the solicitor's terms. These terms are often ignored by excited homeowners, eager to get underway. Our quotes offer a clear statement of your solicitors fees for a standard purchase or sale.

Q.

Could the legal charges take into account any extra charges?

A.

Homeward Legal's solicitors never charge any hidden fees for standard conveyancing legal work. Be aware that some solicitors only estimate conveyancing costs, which could be totally different to your final invoice.

Q.

We are buying a home in the parish of Llanfair Clydogau. Are we advised to get a chancel search?

A.

The lawyer might recommend a chancel search. Although some church councils have taken the decision to exact chancel repairs on the current owners of land subject to chancel liability, it is not possible to be certain that a parish where chancel repair fees have not been paid previously will continue to be free from liability. It is not safe to rely on the historical behaviour of the parish council alone as a guide.

Q.

Harpenden Building Society is going to be our lender, is there anything we need to be aware of?

A.

When buying with a mortgage, legal work must be undertaken in relation to the mortgage. Buyers should be aware that some lenders are now limiting the firms who can act for them, potentially creating greater conveyancing costs for purchasers. We, fortunately, will act for the vast majority of mortgage lenders so that the buyer will not have to pay legal costs to your lender's solicitor.

Q.

What does the Cardigan property lawyer do when the property is in a local authority conservation area and has out of place cladding fitted?

A.

Ceredigion planning authority search (LLC1 - Requisition for search and Official Certificate of Search) conducted by the solicitor in the process of the conveyancing should find out if the property is inside a conservation area and evidence of consent for additions to the property will be requested.

Q.

I am purchasing a sixties investment flat in a designated conservation area in Cardigan, how do we uncover data on the standard of repair of the conservation area?

A.

Conservation areas are nominated by the local authority (Ceredigion) who preserve things like the historic layout of roads to the inhibition of ugly highway signs. English Heritage have conducted a survey and created records of the state of repair of conservation areas.

Q.

Which Cardigan lenders do you work with?

A.

Most lenders in Cardigan are on our Cardigan solicitors' panel. Local mortgage lenders and brokers include Celtic Financial Services Ltd, 16 Gwelfor, Dunvant, Swansea, SA2 7NX, Williams Steve Practice, Axis 7/Axis Court/Mallard Way/Riverside Business Pk, Swansea Vale, Swansea, SA7 0AJ, and Isys Mortgages, First Floor/25 Station Rd, Llanelli, SA15 1AW. The solicitor managing the legal work for your move should be able to state specific lenders' requirements.

Q.

What will the searches cost?

A.

With Homeward Legal, you are required to pay at a maximum £249 for conveyancing searches. Other informative searches include a limestone search.

 
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