Find a Lender-Approved Local Conveyancer in Heath

Ready to buy a new home? Find a law firm approved by your lender.

You can try and find the cheapest conveyancing solicitors in Heath but be careful as you may get what you pay for.

Top 5 reasons to use our service to help you find a local conveyancing solicitor in Heath

  • 1 Conveyancer conveyancing solicitors have extremely good personal connections with Heath estate agents and work very closely with them and local surveyors so as to ensure transactions proceed expeditiously.
  • 2 Heath solicitors have a crucial advantage when it comes to Heath conveyancing as they have valuable local knowledge of local authority requirements, planning policies and other matters that can impact your sale or purchase
  • 3 Our site offers largest residential conveyancing directory service identifying mortgage company approved law practices delivering conveyancing in Heath registered with the SRA or CLC.
  • 4 Our site is the first site that enables you the ability to ensure that your property ownership legalities in Heath will be carried out by a property lawyer on your mortgage lender’s conveyancing panel.
  • 5 Heath property lawyers work in conjunction with Heath estate agents, property finders, surveyors, banks and other professionals to ensure that the highest level of service is provided to home movers every step of the way, helping make the process as straightforward as possible

Examples of recent conveyancing in Heath since February 2022*

Recently asked questions about conveyancing in Heath

I am progressing with the sale of my maisonette in Heath and the EA has just telephoned to warn that the purchasers are appointing a new solicitor. The reason given is that the lender will only work with property lawyers on their conveyancing panel. On what basis would a leading mortgage company only work with certain law firms rather the firm that they want to appoint for their conveyancing in Heath ?

Lenders have always had an approved set of law firms that can represent them, but in the past few years big names such as Nationwide, have considered and reduced their conveyancing panel– in some cases removing conveyancing firms who have represented them for more than 15 years.

Banks blame a rise in fraud by way of justification for the reduction – criteria have been stiffened as a smaller panel is easier to maintain. No lender will say how many solicitors have been dropped, claiming the information is commercially sensitive, but the Law Society says it is being contacted daily by practices that have been removed from panels. Some are unaware that they have been dropped until contacted by a borrower who has instructed them as might be the situation in your buyers' case. Your buyers are unlikely to have any impact on this.

I am about to put a bid on a leasehold property in Heath. The selling agents tell me that it is usual for flats in Heath to have less than 75 years unexpired on the lease. I am expecting a loan with Nationwide Building Society. Is this going to be acceptable if the lease has 69 years to go.

Most leasehold conveyancing experts should be able to deal with a lease extension. if you are securing a mortgage then your lender may insist that the lease be extended before competition. Nationwide Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 5/5/2022 the requirements read as follows :

- Our minimum unexpired lease term is 55 years.
- There must be at least 30 years remaining at the end of the mortgage term (regardless of the length of lease at the start).

Where the unexpired lease term is different to that recorded on the mortgage offer, the following clarifies if we need to be informed:

Second hand property:
- If the unexpired lease term on the offer is 85 years or more - only advise us if the actual lease term is less than 85 years
- if the unexpired lease term on the offer is less than 85 years – advise us if the actual lease term is different than reported
- For equity share applications - advise us if the actual lease term is different than reported on the offer

New build property:
- If the unexpired lease term stated on the offer is 125 years (flat) / 250 years (house) or more - only advise us if the actual lease term is less than 125 years (flat) / 250 years (house)
- For equity share applications - always advise us if the actual lease term is different than reported on the offer

Lease terms such as ground rent and event fees must be reasonable at all times during the term of the lease and adhere to our requirements below. If you’re unsure as to whether the terms of a lease are unreasonable or onerous, please refer the details to us in plain English for Valuer consideration. If the potentially onerous terms are in relation to the ground rent please include the current ground rent figure per annum, how often it will be reviewed and the price structure it will be reviewed against. See the guidance below.

SECOND HAND PROPERTIES

Unacceptable - advise Issuing Office (Will be declined):
- Unexpired lease term less than 55 years
- Less than 30 years remaining at the end of the mortgage term
- Ground Rent greater than 0.5% of the property value
- Ground Rent doubles less than every 20 years (e.g. doubles every 5, 10 or 15 years) - acceptable if doubles every 20 years or more
- Ground Rent is compounded RPI
- Ground Rent review period is less than or equal to 5 years

Refer to Issuing Office (Valuer will consider any impact on valuation figure and marketability):
- Unexpired lease term is 55 to 85 years
- Ground Rent greater than 0.1% and less than or equal to 0.5% of the property value
- Ground Rent escalation is linked to any indices greater than RPI
- Ground Rent escalation is linked to the value of the building*
- Ground Rent review period is greater than 5 and less than 10 years
- Event clauses exist for normal use e.g. changing the carpet, installing a TV aerial, etc
- Estate Rent Charges greater than £500 p/a (please provide details of what the charges cover)
- Service Charges greater than 0.5% of property value p/a (please provide details of what the charges cover)
- Anything that appears onerous, unusual or out of the ordinary

Acceptable (no requirement to advise Issuing Office):
- Unexpired lease term greater than 85 years
- Ground Rent less than or equal to 0.1% of the property value
- Ground Rent review period greater than or equal to 10 years
- Ground Rent escalation less than or equal to RPI

NEW BUILD PROPERTIES (includes office conversions)

Unacceptable - advise Issuing Office (Will be declined)
- Unexpired lease term less than 125 years on a new build flat or less than 250 years on a new build house (does not apply to Shared Ownership)
- Starting Ground Rent greater than 0.1% of the property value
- Ground Rent review period less than or equal to every 5 years
- Ground Rent doubles less than every 20 years (e.g. doubles every 5, 10 or 15 years) - acceptable if doubles every 20 years or more
- Ground Rent is compounded RPI

Refer to Issuing Office (Valuer will consider any impact on valuation figure and marketability):
- Ground Rent is linked to any indices greater than RPI
- Ground Rent is linked to the value of the building*
- Event clauses exist for normal use e.g. changing the carpet, installing a TV aerial etc
- Estate Rent Charges greater than £500 p/a (please provide details of what the charges cover)
- Service Charges greater than 0.5% of property value p/a (please provide details of what the charges cover)
- Anything else appears onerous, unusual or out of the ordinary

Acceptable (no requirement to advise Issuing Office):
- Unexpired lease term greater than or equal to 125 years on a new build flat or greater than or equal to 250 years on a new build house
- Starting Ground Rent less than or equal to 0.1% of the property value
- Ground Rent review period greater than 5 years
- Ground Rent escalation less than or equal to RPI

* Where the Ground Rent escalation is linked to the value of the building, please provide the following:
- How is the value of the block/unit currently calculated and if the assessment relates to the block(s), how is the Ground Rent calculated/apportioned per property?
- The current valuation and Ground Rent for each unit
- What is the mechanism for future valuations of the block and how is the Ground Rent calculated/apportioned?
- What is the right of appeal? And is this a documented process within the lease?
- Who bears the cost of the valuation (and appeal) process?
- Confirmation the review period is not less than twenty years.

When it comes to lenders such as Skipton, do Heath lawyers incur a fee to be on the list of approved solicitors?

We are unaware of any lender fees to register on their list of approved firms, although some do charge an administration charge to deal with the processing of the conveyancing panel submission.

Can I be sure that the Heath conveyancing solicitor on the Santander panel is any good?

When it comes to conveyancing in Heath seeking recommendations is a good starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always suggest that you speak with the solicitor carrying out your conveyancing.

We have a mortgage agreed in principle with Aldermore. Heath conveyancing practitioners are appointed. How long does it take for Aldermore to send the offer to the solicitor?

Some lenders take longer than others. Have Aldermore done the valuation? Have you informed Aldermore as to your lawyers' details and checked that your lawyers are on the Aldermore conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.

My wife and I are close to exchanging contracts on the sale of our house in Heath and according to the buyers it appears that there is a possibility that the property was built on contaminated land. A high street Heath conveyancer would know this is not the case. It does beg the question why the purchasers used a nationwide conveyancing outfit as opposed to a conveyancing solicitor in Heath. Having lived in Heath for six years we know that this is a non issue. Do we get in touch with our local Authority to get clarification that there is no issue.

It would appear that you have a conveyancing firm currently acting for you. What do they say? You must enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same illness)

How does conveyancing in Heath differ for newly converted properties?

Most buyers of new build or newly converted property in Heath approach us having been asked by the developer to exchange contracts and commit to the purchase even before the house is ready to move into. This is because developers in Heath typically purchase 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 conveyancing solicitors 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 accustomed to new build conveyancing in Heath or who has acted in the same development.

In searching the web for the phrase conveyancing in Heath it shows results of many property lawyersin the vicinity. How do I determine which is the suitable property lawyer for the sale of my house?

The ideal method of finding a suitable conveyancer is via trusted referral, so enquire of colleagues and family who have purchased a property in Heath or the local estate agent or financial adviser. Charges for conveyancing in Heath vary, so it's a good idea to obtain at least three estimates from different law firms. Make sure that you clarify that the fees are fixed.

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Sample of conveyancing solicitors in Heath regulated by the SRA

It is important to note that the listed firms do not limit their work for conveyancing in Heath but also conveyancing throughout England and Wales.

  • Malekin Law Limited, 270 North Road, Cardiff, Cardiff, CF14 3BL
  • Hek Jones Limited, Hek Jones, 104 Whitchurch Road, Cardiff, South Glamorgan, CF14 3LY
  • Brodie Smith & Mahoney, 78 Whitchurch Road, Cardiff, South Glamorgan, CF14 3LX
  • Youngs, 52 Station Road, Llanishen, Cardiff, Cardiff, CF14 5LU
  • Emyr Pierce Solicitors, 1 Heol Y Deri, Rhiwbina, Cardiff, Cardiff, CF14 6HA

Commercial Conveyancing solicitors in Heath regulated by the SRA

The firms listed below are a small selection of solicitors in Heath with expertise in commercial conveyancing in Heath. This should include advice on taking a commercial lease as a tenant
  • Malekin Law Limited, 270 North Road, Cardiff, Cardiff, CF14 3BL
  • Hek Jones Limited, Hek Jones, 104 Whitchurch Road, Cardiff, South Glamorgan, CF14 3LY
  • Brodie Smith & Mahoney, 78 Whitchurch Road, Cardiff, South Glamorgan, CF14 3LX
  • Emyr Pierce Solicitors, 1 Heol Y Deri, Rhiwbina, Cardiff, Cardiff, CF14 6HA
  • James Morgan, 18a Merthyr Road, Whitchurch, Cardiff, South Glamorgan, CF14 1DG

Domestic Licensed Conveyancers in Heath regulated by the CLC

Please note that the listed conveyancers do not limit their work for conveyancing in Heath but also conveyancing throughout England and Wales.
  • Susan Cotter & Co, 63 Merthyr Road, CF14 1DD
  • West Coast Conveyancing Limited, 9 Kings Road, CF11 9BZ
  • Griffiths Ings Property Lawyers Limited, 9 Kings Road, CF11 9BZ
  • Countrywide Property Lawyers Limited, Brunel House, CF24 0ZZ
  • Beverly Davies Penny, Brunswick House, CF5 1LJ

*Source acknowledgement: House price data produced by Land Registry as well data supplied by Lexsure Ltd.

© Crown copyright material is reproduced with the permission of Land Registry under delegated authority from the Controller of HMSO.