We see that you have a post code search directory identifying law firms on the HSBC conveyancing panel. Do companies pay you a commission if I retain them for our conveyancing in Ponthir?

We are a listing service only for law firms wishing to communicate if they are on the HSBC conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Ponthir.

It has been three months following my purchase conveyancing in Ponthir completed. I have checked the Land Registry site which shows that I paid £150,000 when infact I paid £180,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the asset from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

I decided to have a survey completed on a house in Ponthir ahead of appointing solicitors. I have been told that there is a flying freehold overhang to the house. My surveyor advised that some lenders may refuse to give a loan on a flying freehold house.

It depends who your proposed lender is. Lloyds has different requirements for example to Nationwide. If you e-mail us we can investigate further via the relevant lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Ponthir. Conveyancing may be slightly more expensive based on your lender's requirements.

My father-in-law has suggested that I instruct his lawyers for conveyancing in Ponthir. Do I take his recommendation?

There are no two ways about it the best way to select a conveyancing solicitor is to seek referrals from friends or relatives who have used the solicitor you're contemplating using.

Our conveyancer in Ponthir has discovered a a legal deficiency with the lease for the flat we are purchasing in Ponthir. The other side have suggested defective title insurance as a workaround. We are happy with insurance and will cover the costs. Our lawyer has advised that as he is on the bank conveyancing panel he must ensure that the lender is happy with this solution. Who is the client here, us or the mortgage company?

Just because you have a mortgage offer from the bank does not mean to say that the property will be meet their requirements for the purposes of a mortgage. Your Ponthir conveyancing lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook Requirements. You and the lender are the client. The appropriate lender requirements must be adhered to by the mortgage company conveyancing panel who has to balance acting for you and the mortgage company