Finally, a mortgage agreement from NatWest for the remortgage of my 2 bedroom apartment is to be issued imminently. Are you able to put forward a cheap conveyancing solicitor in Brynmawr?

You are on the wrong site if you are in need of cut-price fees for conveyancing solicitors in Brynmawr. Our intention is to offer affordable conveyancing but our intention is not to work with the cheapest lawyers. Do not be seduced by companies seducing you with £100 conveyancing in Brynmawr. In your best case scenario, in deciding on cheap conveyancing, you will get your money’s worth and at worst it will result in you paying a lot in additional fees and still not get the service expected.

What is the difference between a licensed conveyancer and conveyancing solicitor in Brynmawr

There are many registered licenced Conveyancers in Brynmawr and Solicitor practices in Brynmawr to choose from We would stress that both are supervised by regulatory bodies with both specialising in the legal work in transferring property. Both can deal with other property legal work such as remortgage conveyancing, lease extensions and transfer of equity conveyancing.

The mortgage over my property is with Kent Reliance for my property in Brynmawr. Conveyancing has been completed 12 months ago. If I am intending to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Kent Reliance?

Kent Reliance must be informed of your intention before letting out your property as this is likely to be a breach of Kent Reliance’s mortgage conditions. It may be that Kent Reliance will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Kent Reliance directly. You need not do this via a Kent Reliance conveyancing panel lawyer.

Our sealed bid on a property in Brynmawr has been agreed to, but there is a chain. The owners have placed an offer on somewhere, however it’s not yet tied up, and are looking at other apartments in the pipeline. I have selected a nearby conveyancing solicitor in Brynmawr. What do I do now? At what stage should I apply for the mortgage with Co-operative?

It is understandable to have anxieties where there is a chain as you are unlikely to want to incur expenses prematurely (home loan application is in the region of one thousand pounds, then survey, Brynmawr conveyancing search charges, etc). The first course of action is to check that your property lawyer is on the Co-operative conveyancing panel. Concerning the next phase this very much dictated by the uniqueness of your case, attraction to the property and on the state of the market. During a buoyant market many buyers would apply for a home loan with Co-operative and arrange for the valuation and only if it was satisfactory would they request their property lawyer to press on with searches.

I have a terraced Victorian property in Brynmawr. Conveyancing solicitor represented me and Alliance & Leicester . I happened to do a free search for it on the Land Registry database and there are a couple of entries: one for freehold, another for leasehold with the exact same address. Is it worth asking Alliance & Leicester to clarify?

You need to read the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Brynmawr and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with buyers. You can also enquire as to the situation with the conveyancing solicitor who conducted the conveyancing.

I am buying my first flat in Brynmawr with the aid of help to buy. The sellers refused to move on the price so I negotiated five thousand pounds worth of extras instead. The house builders rep suggested that I not reveal to my lawyer about the extras as it will put at risk my mortgage with Clydesdale. Should I keep quiet?.

All lenders require a Disclosure of Incentives Form from the developer 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.

A licensed conveyancer acted on my conveyancing in Brynmawr four years ago having stored my title documents but has since been shut down – What steps do I now take to get hold of these?

Deeds, as such, no longer exist as the majority of homes in Brynmawr are archived electronically at Land Registry. If you need to prove evidence of proprietorship or are disposing of or re-mortgaging your solicitor should obtain up to date copies of the register from the Land Registry in any case.

If you feel there may be other documents or you have any other queries please e-mail your request with details of the transaction and documents you need to filerequest@clc-uk.org. The CLC will let you know what information they have and any additional information they may need before they are in a position to identify and send the documents to you. Following an intervention it may take some time for the CLC to access archived files and documents, but your request will be actioned with reasonable haste.