All was ready to move into my new home in St Athan next Tuesday. My solicitor now wants me to supply her with evidence of content and building insurance for the property as as she informs me that she is duty bound to validate that it is in order for the lender. What does the insurance need to cover?
Any lawyer on acting for lenders would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in a lender’s Part 2 requirements. These requirements are not unique to conveyancing in St Athan.
We are planning to acquire a house and require a conveyancing solicitor in St Athan who is on the Kent Reliance solicitor panel. Could you point me in the right direction as regards a conveyancing firm?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Kent Reliance . We don't recommend any particular firms conducting conveyancing in St Athan.
I have 7378 less than 75 years left on my lease and require a lease extension for my flat in St Athan. Conveyancing solicitors on the Chelsea Building Society panel can deal with such extensions right?
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are getting a mortgage then your lender may insist that the lease be extended before competition. Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 29/4/2026 the requirements read as follows :
My wife and I purchasing a victorian detached house in St Athan. We would like to carry out a loft conversion at the house.Will the conveyancing process involve investigations to determine if these alterations are allowed?
Your conveyancer will check the registered title as conveyancing in St Athan can sometimes identify restrictions in the title documents which prevent certain changes or require the permission of a 3rd party. Some works need local authority planning permissions and approval in accordance building regulations. Certain locations are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. You should check these things with a surveyor ahead of any purchase.
I'm the single recipient of my late grandmother’s will with all property in now in my sole name, including the house in St Athan. Conveyancing formalities meant that the Land Registry date was in March. I want to move. I do know about the CML 6 month 'rule', meaning my property ownership could be regarded the same way as if I'd bought the house in March. Will no one buy the property for half a year?
The Council of Mortgage Lenders’ handbook requires conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you might be affected by that. How practical a view lenders take of it, depend on the lender as this obligation is principally there to pick up on the purchase and immediately sell or the quick reselling of property.
The formalities of my purchase has taken place for my property in St Athan. Conveyancing was satisfactory but I would like to complain about the lender. How does one go about formally complaining?
All lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Department at head office. Ordinarily complaints to a lender are resolved effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
What can a local search reveal about the property my wife and I buying in St Athan?
St Athan conveyancing often starts with the ordering local authority searches directly from your local Authority or via a personal search organisations for example Onsearch The local search plays an important part in many a St Athan conveyancing purchase; that is if you don’t want any unpleasant surprises after you move into your new home. The search should reveal data on, amongst other things, details on planning applications applicable to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen topic sections.
Can you provide any advice for leasehold conveyancing in St Athan from the perspective of saving time on the sale process?
- Much of the frustration in leasehold conveyancing in St Athan can be avoided where you instruct lawyers the minute you market your property and request that they start to put together the leasehold documentation which will be required by the purchasers’ solicitors. The majority of landlords or Management Companies in St Athan charge for providing management packs for a leasehold property. You or your lawyers should discover the actual amount of the charges. The management information can be applied for on or before finding a buyer, thus accelerating the process. The typical amount of time it takes to receive management information is three weeks. It is the most usual reason for delay in leasehold conveyancing in St Athan. In the event that you altered the property did you need the Landlord’s consent? In particular have you installed wooden flooring? St Athan leases often stipulate that internal structural changes or laying down wooden flooring necessitate a licence issued by the Landlord approving such changes. If you dont have the approvals in place you should not contact the landlord without checking with your solicitor in the first instance. If there is a history of conflict with your landlord or managing agents it is essential that these are settled before the property is put on the market. The purchasers and their solicitors will be nervous about purchasing a property where a dispute is unresolved. You may have to bite the bullet and discharge any arrears of service charge or resolve the dispute prior to the buyers completing the purchase. It is therefore preferable to have any dispute settled prior to the contract papers being issued to the buyers’ solicitors. You are still duty bound to disclose particulars of the dispute to the purchasers, but it is clearly preferable to present the dispute as over as opposed to unresolved. If you hold a share in a the freehold, you should make sure that you have the original share certificate. Arranging a re-issued share certificate can be a lengthy formality and delays many a St Athan home move. Where a new share certificate is needed, do contact the company director and secretary or managing agents (if applicable) for this sooner rather than later.
I bought a basement flat in St Athan, conveyancing formalities finalised in 2012. Can you give me give me an indication of the likely cost of a lease extension? Corresponding properties in St Athan with a long lease are worth £216,000. The average or mid-range amount of ground rent is £50 invoiced every year. The lease ends on 21st October 2096
With only 70 years left to run we estimate the premium for your lease extension to be between £9,500 and £11,000 plus legals.
The figure above a general guide to costs for renewing a lease, but we cannot give you the actual costs in the absence of comprehensive due diligence. You should not use the figures in a Notice of Claim or as an informal offer. There are no doubt additional issues that need to be taken into account and you obviously should be as accurate as possible in your negotiations. You should not take any other action based on this information before getting professional advice.