I am hoping to receive a mortgage offer from Halifax. I would like to use a Licensed Conveyancer in Pontprennau. Does the Halifax Conveyancing panel allow for Licensed Conveyancers?

The Halifax approved solicitor list is, like many other lenders, represented by the CML or Building Society Association, open to Licensed Conveyancers regulated by the CLC.

We were just about to sign contracts for a garden flat in Pontprennau. We have hit a stumbling block. Our loan offer with Bank of Scotland runs out on 10/1/2025 but the owners are suggesting a completion date of 14/1/2025. Is it possible to prolong the loan offer?

The person best placed to deal with your question is your lawyer who is in a position to assess if they better off negotiating with the mortgage broker, seller’s lawyers, selling agents or possibly all three given the circumstances your transaction to date.

I am purchasing my first flat in Pontprennau with the aid of help to buy. The developers refused to move on the price so I negotiated 6k of extras instead. The sale representative suggested that I not to tell my solicitor about the extras as it would affect my loan with Norwich and Peterborough Building Society. Is this normal?.

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.

Over the last few months I have been searching for a ground for flat up to £195,000 and identified one near me in Pontprennau I like with open areas and railway links in the vicinity, however it's only got 49 remaining years left on the lease. I can't really find anything else in Pontprennau in this price bracket, so just wondered if I would be making a mistake acquiring a lease with such few years left?

If you need a home loan the shortness of the lease may be an issue. Discount the offer by the amount the lease extension will cost if it has not already been discounted. If the existing proprietor has owned the premises for at least 2 years you can request that they start the process of the extension and pass it to you. An additional ninety years can be extended on to the current lease term with a zero ground rent applied. You should consult your conveyancing lawyer about this matter.

I'm remortgaging my primary property to a BTL mortgage with Barclays Direct and intend to use the remaining equity as a deposit on another property. The neighborhood we are interested in is Pontprennau. Will your solicitors be able to act for both sets of lenders and link together the conveyances?

Do use our search tool on this page to be sure that the lawyers are on the appropriate lender panels. Assuming that they are the conveyancer will be able to tie up the two conveyancing matters but you should have a chat with you lawyer and make clear your expectations and requirements.