Is it necessary to take out insurance to protect me from financial exposure to chancel repairs when purchasing a property in Tonyrefail?

Unless a previous purchase of the house took place after 12 October 2013 you could take it that solicitors carrying out conveyancing in Tonyrefail to remain recommending a chancel search and or insurance against a claim.

I have a renovated Georgian house in Tonyrefail. Conveyancing lawyer represented me and The Mortgage Works. I did a free Land Registry search last week and there are two entries: one for freehold, another for leasehold with the exact same address. If a house is not a freehold shouldn't I have been informed?

You should review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Tonyrefail and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with buyers. You can also question the situation with the conveyancing practitioner who carried out the work.

I am buying my first flat in Tonyrefail with the aid of help to buy. The sellers would not reduce the amount so I negotiated 6k of extras instead. The estate agent advised me not inform my lawyer about the extras as it would adversely affect my loan with the lender. Is this normal?.

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

I have been on the look out for a ground for flat up to £245,000 and found one close by in Tonyrefail I like with amenity areas and railway links nearby, the downside is that it only has 61 years unexpired on the lease. There is not much else in Tonyrefail 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 mortgage that many years will likely be a potential deal breaker. Reduce the price by the expected lease extension will cost if it has not already been discounted. If the existing proprietor has owned the property for at least twenty four months you may ask them to start the process of the extension and then assign it to you. You can add 90 years to the current lease term and have £0 ground rent by law. You should speak to your conveyancing solicitor regarding this matter.

I need to retain a conveyancing solicitor for freehold conveyancing in Tonyrefail. I happened to stumble upon a site which looks to be the ideal solution If there is a chance to get all this stuff done via web that would be preferable. Do I need to be concerned? What should out be looking out for?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?