My wife and I are due to exchange on the purchase of a house in Gowerton but as a result of wreckage from a small fire at the property I have managed to agree compensation from the current proprietors of six thousand pounds in the form of a reduction in the price. This was going to be dealt with as part of the conveyancing process but RBS are not allowing this. Why were they approached?
Your conveyancing practitioner that is on a RBS conveyancing panel is obliged to advise RBS of any changes to the sale price. If you prohibit your property lawyer to report the reduction to RBS then they would have to discontinue acting for you. In addition, RBS and you would have to appoint a new solicitor for your conveyancing in Gowerton.
I am about to put a bid on a leasehold property in Gowerton. The estate agents assure me that it is standard for flats in Gowerton to have less than 75 years left on the lease. I am getting a mortgage with Tesco Bank. Will the property be mortgageable given that the lease has Seventy One years remaining.
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are obtaining a mortgage then your lender may insist that the lease be extended before competition. Tesco Bank have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 22/4/2025 the requirements read as follows :
We have a mortgage agreed in principle with Co-operative. Gowerton conveyancing solicitors were selected. What is the average time that one could expect to receive a mortgage offer from Co-operative?
There is no definitive answer here. Have Co-operative completed the valuation? Have you advised Co-operative as to your lawyers' details and checked that your lawyers are on the Co-operative conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
I have today made my last payment due on my mortgage with Lloyds. I assume I don't need a Gowerton conveyancing practitioner on the Lloyds panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Lloyds mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Lloyds mortgage from the register. Lloyds, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Lloyds has sent the Land Registry the discharge electronically, and
- Lloyds has instructed the Land Registry to do so
Completion of my purchase has taken place for my property in Gowerton. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge a complaint?
All banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Team at head office. We understand that complaints to a lender are resolved very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
Are there restrictive covenants that are commonly picked up as part of conveyancing in Gowerton?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Gowerton. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
How does conveyancing in Gowerton differ for new build properties?
Most buyers of new build residence in Gowerton approach us having been asked by the developer to exchange contracts and commit to the purchase even before the residence is ready to move into. This is because house builders in Gowerton typically buy the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Gowerton or who has acted in the same development.
A conveyancing company handled my conveyancing in Gowerton half a dozen years past and was holding my registration documents but has now closed – What steps do I now take to retreive these?
Title deeds, as such, no longer exist as the majority of properties in Gowerton are archived digitally at Land Registry. Where you need to prove ownership or are selling or re-mortgaging your lawyer can obtain up to date copies of the register from the Land Registry in any case.
If you feel there may be other documents or you have any other queries please e-mail your request with details of the transaction and documents you need to filerequest@clc-uk.org. The CLC will let you know what information they have and any additional information they may need before they are in a position to identify and send the documents to you. Following an intervention it may take some time for the CLC to access archived files and documents, but your request will be actioned as quickly as possible.