Conveyancing in Cardigan
Conveyancing is the series of legal steps a solicitor takes when transfering property ownership. Conveyancing can also refer to the legal side of a remortgage or equity transfer. If you're looking for a conveyancing solicitor in Cardigan, you're in the right place. Get a fast & proactive solicitor from a nationwide panel of conveyancing experts.
We have helped Cardigan and Ceredigion clients with buying, selling, buy-to-let, Help to Buy, Right to Buy, shared ownership, new build, leasehold, lease extensions, remortgage and transfer of equity.
Other areas covered: Aberystwyth
Buying property in Cardigan
A town in Ceredigion, Wales, Cardigan is known for its restored castle and its scenic location on the River Teifi. The area offers a mix of traditional Welsh cottages and modern homes. Cardigan is well-served by bus routes to Aberystwyth and Carmarthen. Cardigan has a population of approximately 4,000.
Council Tax in Cardigan (2023/24)
Cardigan is in Ceredigion County Council.
| Band | Amount |
|---|---|
| A | £1,272.15 |
| B | £1,484.18 |
| C | £1,696.20 |
| D | £1,908.23 |
| E | £2,332.28 |
| F | £2,756.33 |
| G | £3,180.38 |
| H | £3,816.46 |
| I | £4,452.54 |
What do Cardigan conveyancing solicitors do?
Your lawyer will handle all the legal elements of transferring ownership from the seller to the buyer. This means performing due diligence on the property, such as ordering searches from authorities such as Ceredigion Council, raising questions for the seller's solicitor and handling the transfer of funds.
Further to the standard checks and searches, Cardigan conveyancing solicitors may also carry out checks for issues related to flood risk.
Are you buying a home with a mortgage?
When buying a home with a mortgage, it is a requirement for your solicitor to also act for the bank arranging your mortgage.
If your property lawyer isn't accepted on your mortgage provider's panel, it could take weeks longer to complete your purchase.We work with conveyancers who can represent the vast majority of lenders, ensuring your transaction will complete without delay.
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Conveyancing for buying a property
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New Build
The legal work for acquiring a new build in Cardigan can be complex.
A conveyancing solicitor in Cardigan must be able to deal with things like checking new build mortgage procedures are followed, dealing with incomplete service connection agreements and checking new build warranties with warranty providers such as NHBC Buildmark, Advantage and AHCI.
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Selling property in Cardigan
For the sale of a Cardigan house or flat, your lawyer will assemble all essential documents, including the various property information forms and the draft contract.
The duties of a seller's solicitor includes answering the buyer's solicitor's questions and addressing snags like a landlord dispute. Your solicitor will communicate effectively with all parties, like agents, managing agents and lenders, to confirm that the sale completes as soon as possible.I am selling a leasehold property in Cardigan - what do I need to know?
Conveyancing for a leasehold flat is a great deal more difficult than for a freehold property.
Leasehold complexity involves additional work on the part of conveyancing solicitors in Cardigan, for example requesting the latest service charge and ground rent statement, through to finding out if there are any payment arrears.
In order to resolve any leasehold delays faster, It is highly recommended that you instruct a Cardigan conveyancing solicitor as soon as is practicable.
Conveyancing for selling a property
Remortgaging
Latest Bank of England base rate now at 4.5% (19 March, 2025)
You should always confirm your solicitor's lender panel status before you instruct your solicitor.
We work with solicitors who are on the panels of almost all lenders. Whether you are changing to a 30-year mortgage with Bank of Ireland or moving to a home reversion mortgage with Bradford and Bingley, we can help you.
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Find out if our panel solicitors can act for your lender
Get a remortgage conveyancing quote
Transfer of equity in Cardigan
Whether you are transferring the ownership of your property to a child, inheritance tax (IHT) planning or buying out the equity of a joint owner, a transfer of equity is required. Your conveyancer will complete all the necessary paperwork for a low, fixed fee.
Read more:
Transfer of equity Stamp Duty calculator
Get a transfer of equity conveyancing quote
How much are conveyancing fees in Cardigan?
Solicitors' fees
Your solicitor's quote should clearly detail the legal fees, including VAT, to be paid when the conveyancing transaction completes. These fees are paid to your solicitor for the work they carry out for you.
Disbursements
Your conveyancing quote should also itemise required third-party costs, or disbursements, including Stamp Duty and property searches.
Check the T's & C's
Watch out for additional charges, when you compare conveyancing quotes. Some solicitors' quotes include extra costs in the small print. This can lead to a final bill that is higher than the original quote.
