Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Porthcawl. My lender is Platform

Platform have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 19/1/2026, the requirements read as follows :

Do commercial conveyancing searches disclose planned roadworks that could impact a commercial estate in Porthcawl?

Many commercial conveyancing solicitors in Porthcawl will perform a SiteSolutions Highways report as it dramatically cuts the time that conveyancers expend in sourcing accurate data on highways that impact buildings and development assets in Porthcawl. The search result provides definitive information on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Porthcawl.

For each commercial conveyancing transaction in Porthcawl it is critical to investigate the adoption status of roads surrounding a site. The absence of identifying developments where adoption procedures have not been addressed adequately may cause delays to Porthcawl commercial conveyancing transactions as well as present a risk to future intentions for the site. These searches are not ordered for domestic conveyancing in Porthcawl.

The deeds to my property can not be found. The solicitors who dealt with the conveyancing in Porthcawl 4 years ago have long since closed. What do I do?

Assuming you have a registered title the information relating to your proprietorship will be held by HMLR under a Title Number. It is possible to conduct a search at the Land Registry, locate your house and get up to date copies of the Registered Entries for a small fee. If the property is Leasehold then the Land Registry will usually hold a file duplicate of the Registered Lease and again, a copy can be ordered for £20 inclusive of VAT.

I've recently found out that there is a flying freehold element on a house I put an offer in two weeks back in what should have been a simple, no chain conveyancing. Porthcawl is the location of the property. Can you shed any light on this issue?

Flying freeholds in Porthcawl are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Porthcawl you must be sure that your lawyer goes through the deeds thoroughly. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Porthcawl may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.

Last August I purchased a leasehold house in Porthcawl. Am I liable to pay service charges for periods before my ownership?

Where the service charge has already been demanded from the previous lessee and they have not paid you would not usually be personally liable for the arrears. However, your landlord may still be able to take action to forfeit the lease. A critical element of leasehold conveyancing for your conveyancer to ensure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.

If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).

Leasehold Conveyancing in Porthcawl - A selection of Questions you should consider before Purchasing

How many of the leaseholders are in arrears for their service charge payments? Its a good idea to find out as much as possible concerning the company managing the building as they will impact your use and enjoyment of the property. Being a leasehold owner you will be in the clutches of the managing agents both financially and when it comes to every day issues such as the cleanliness of the common parts. Don't be afraid to ask prospective neighbours what they think of them. In conclusion, be sure you know the dates that you are obliged pay the maintenance charge to the managing agents and precisely what it includes.