Unfortunately I am unable to travel far from Roath. What is the rationale as to why all Roath solicitors are not on all mortgage company panels?

Even though it may seem unfair for lenders to limit who can represent them, from the public’s or conveyancer’s viewpoint, the the contrary view is that lenders are becoming ever more anxious and consider it crucial to protect them against illegal activities. As a consequence of this concern mortgage companies are limiting their conveyancing panel to a manageable size.

Can your site be used to recommend a Conveyancing solicitor in Roath even where I’m not purchasing or selling a house, for instance if I wish to buy a shop in Roath with a mortgage from Yorkshire Building Society?

Our search tool is primarily there to find residential conveyancing solicitors in Roath but we have set out at the end of this page a few Roath commercial conveyancing firms. You should enquire with the firm directly to see if they can also act for Yorkshire Building Society

My aunt informed me that in purchasing a property in Roath there may be a number of restrictions prohibiting external alterations to the property. Is this right?

We are aware of anumerous of properties in Roath which have some sort of restriction or requirement of consent to perform external alterations. Part of the conveyancing in Roath should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.

I am buying a property in Roath. One unusual aspect is that the roof has a solar panel. HSBC have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?

Given that your lender is HSBC your lawyer must check the conveyancing requirements contained in Section two of UK Finance Lenders’ Handbook for HSBC. The Council of Mortgage Lenders’ Handbook stipulates minimum specifications for solar panel roof-space leases, and conveyancers are required to report to HSBC where a lease fails to satisfy these provisions. The requirements relate to the installation of panels on properties countrywide and is not isolated to Roath.

Completion of my purchase has taken place for my property in Roath. Conveyancing was of an acceptable standard but I would like to complain about the lender. How do I make a complaint?

Most banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Department at head office. In most cases complaints to a lender are sorted out very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.

I'm buying my first flat in Roath with a loan from Barclays Direct. The builders would not budge the amount so I negotiated £7000 of extras instead. The house builders rep told me not reveal to my conveyancer about the side-deal as it could impact my loan with Barclays Direct. Do I keep my lawyer in the dark?.

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.

Given that I will soon part with hundreds of thousands of pounds on a terraced house in Roath I wish to talk to a conveyancer regarding thetransaction ahead of instructing the firm. Is this something that you can arrange?

We could not agree more - it is our preference to talk to you we do not take any clients on without you liaising with the solicitor due to be carrying out your conveyancing in Roath.There is no ‘factory style conveyancing’ - every client is unique person, not a case number. The solicitors that we put you in touch with believe that the figure you are quoted for residential conveyancing in Roath should be the figure that you end up paying.