We're in Tonteg, First timers purchasing with a mortgage (lender is Co-operative , and our solicitor is on the Co-operative conveyancing panel). How long should the conveyancing process take?

The fact that your lawyer is on the Co-operative conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no property lawyer should guarantee a timeframe for your conveyancing, due to third parties outside of your control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain.

Have just purchased a repossessed house at auction in Tonteg. Conveyancing is necessary. What happens now?

Now that you have legally bound yourself to purchase you will need to find a conveyancing lawyer soon as you are facing a fast approaching a fixed date to complete the property. All auction property will have an associated auction set of papers. This will include the copy title deeds, local authority and drainage searches. If you have purchased leasehold property the auction pack should contain a copy of the lease, management information and a sellers leasehold information form and associated conveyancing documentation relating to a leasehold property. You must pass this on to your appointed conveyancing solicitor ASAP. Do make sure that your finances are in place to complete on the on the contractual date .

My husband and I are in the process of viewing flats in Tonteg and I am now considering a potential offer. Should I already have a lawyer in place at this point? I will be getting a home loan with Barclays.

You should start obtaining conveyancing quotes from solicitors ASAP. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their contact information on to the selling agent. As you are obtaining a mortgage with Barclays, ask your prospective lawyers if they are on the Barclays conveyancing panel otherwise they can't do the mortgage legal work.

The formalities of my purchase has taken place for my property in Tonteg. Conveyancing was of an acceptable standard but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?

All lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Team at head office. In most cases complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.

I am buying a new build apartment in Tonteg. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.

Here is a sample of a selection of leasehold new build enquiries that you should expect your new-build leasehold conveyancing in Tonteg

Please supply a car parking plan. The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. Please confirm the Lease plans are architect prepared. The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore. The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided.

Am I best advised to instruct a Tonteg conveyancing solicitor in close proximity to the house I am hoping to buy? An old friend can conduct the legal formalities however his firm is located 400miles away.

The benefit of a high street Tonteg conveyancing practice is that you can drop in to sign documents, hand in your ID and pester them where appropriate. Having local Tonteg know how is a bonus. That being said nothing is more important than finding someone that will do a good and efficient job. If you know people who instructed your friend and in the main were content that must surpass using an unfamiliar Tonteg conveyancing solicitor just because they are local.

Should I be worried if there is an issue with the searches conducted as part of my conveyancing in Tonteg?

Normally, almost all concerns disclosed in Tonteg conveyancing search results can be dealt with prior to completion or title insurance could possibly be taken. It is crucial to remember that regardless of the fact that you are buying the premises and might be content to accept the search results, your lender may not, and ultimately the decision rests with them.