We are downsizing from our property in Bangor and the buyers lawyers are claiming that there is a risk of it being constructed on contaminated land. A local conveyancer would know this is not the case. It does beg the question why the purchasers instructed a national conveyancing firm as opposed to a conveyancing solicitor in Bangor. We have lived in Bangor for three years we know that this is a non issue. Is it a good idea to get in touch with our local Authority to obtain confirmation need.

It sounds as though you may have a conveyancing solicitor currently acting for you. Are they able to advise? You should enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same sickness)

Due to the encouragement of my in-laws I had a survey completed on a house in Bangor before appointing solicitors. I have been told that there is a flying freehold overhang to the property. Our surveyor advised that some lenders will not give a loan on this type of premises.

It depends who your proposed lender is. Lloyds has different instructions for example to Birmingham Midshires. If you contact us we can check with the relevant bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Bangor. Conveyancing will be smoother if you use a solicitor in Bangor especially if they are familiar with such properties in Bangor.

Hoping to buy a property located in Bangor and I am already nervous. I couldn't find anything specific about Bangor. Conveyancing will be needed in due course but do you know about the Bangor area? or perhaps some other tips you can share?

Rather than looking online forget looking online you should go and have a look at Bangor. In the meantime here are some basic statistics that we found

I am hoping to put an offer on a small detached house that seems to tick a lot of boxes, at a reasonable figure which is making it all the more appealing. I have since found out that it's a leasehold rather than freehold. I am assuming that there are particular concerns purchasing a house with a leasehold title in Bangor. Conveyancing advisers have are about to be appointed. Will they explain the issues?

Most houses in Bangor are freehold rather than leasehold. This is one of the situations where having a local solicitor used to dealing with such properties who can assist with the conveyancing process. We note that you are buying in Bangor so you should seriously consider shopping around for a Bangor conveyancing practitioner and check that they are used to transacting on leasehold houses. First you will need to check the unexpired lease term. Being a lessee you will not be entirely free to do whatever you want with the house. The lease will likely included provisions such as requiring the freeholder’spermission to carry out changes to the property. It may be necessary to pay a maintenance charge towards the upkeep of the communal areas where the house is located on an estate. Your lawyer will advise you fully on all the issues.

Bangor Conveyancing for Leasehold Flats - Examples of Questions you should ask before buying

Plenty Bangor leasehold properties will have a service bill for maintenance of the block invoiced on behalf of the freeholder. If you acquire the flat you will have to meet this liability, normally periodically accross the year. This may differ from two or three hundred pounds to thousands of pounds for bigger purpose-built blocks. In all probability there will be a ground rent to be met annual, this is usually not a significant figure, say around £25-£75 but you should to enquire as occasionally it can be many hundreds of pounds. Please inform me if there are any major works in the near future that will likely increase the service fees? Its a good idea to discover as much as possible concerning the managing agents as they will either make your life much simpler or problematic. Being a leasehold owner you are often at the mercy of the managing agents both financially and when it comes to daily issues such as the tidiness of the common parts. Enquire of prospective neighbours whether they are happy with their service. In conclusion, find out the dates that you are obliged pay the maintenance charge to the managing agents and precisely how they are spending that money.

My lawyer in Bangor has requested from me ID documents asserting that this forms part of his obligations as a conveyancer on the mortgage company Conveyancing panel. Can this be correct?

Anti-terror and anti-money-laundering rules require Bangor conveyancing solicitors and licensed conveyancers to verify the identity of the person or body they are dealing with before they can accept their conveyancing business. The Terms and Conditions that you need to sign will no doubt confirm this. Your lawyer is right that the bank also require certain documents to be viewed. If a you refuse to provide ID verification documents, your conveyancer would not be able to accept instructions from you. Your lawyer also has obligations to obtain certain documents in accordance with the lender's UK Finance Lenders’ Handbook requirements