Who Are We?                                   

stock-photo-the-house-in-hands-on-blue-sky-98847644MLM Cartwright are a long-established firm based in Cardiff’s city centre.

We are both large enough to be able to provide the resources and specialist expertise necessary to handle complex and substantial matters and yet small enough to give a very personal and flexible service at a competitive and cost-effective price.  We develop close working relationships with our clients providing legal services of the highest integrity, efficiently and effectively in helping them achieve their objective.

Each practice area is headed by one or more Partners supported by a dedicated team of qualified solicitors and support personnel, all specialists within their respective fields with the expertise and experience necessary to deliver a first class legal service.

email: property@mlmcartwright.com

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stock-photo-green-house-abstract-environmental-backgrounds-153422882Most sellers still entrust the sale of their property to an Estate Agent. Decide if you want to use one Estate Agent (Sole Agency) or multiple Estate Agents as terms differ depending on your decision. Beware of the length of time to which you are tied in with an Estate Agent.

Start selling before you start buying

Before you start making offers on properties you really need to be ‘sold subject to contract’ on your own property. Estate agents rarely recommend their clients accept an offer from a buyer with an incomplete chain.

Negotiate on asking price and fees

Estate Agents fees can be negotiable. Get an idea of your property’s worth before asking for valuations from Estate Agents. It is wise to get a two or three valuations on your home to ensure your home is suitably priced.


Be prepared for viewings. Emsure your property is in a presentable state irrespective of whether the estate Agent or yourself are conducting the viewing.

Negotiating the offer

You would expect certain integrity from your Estate Agent; they should not disclose to a prospectie buyer the minimum amount you would accept and they should not disclosure one buyer’s offer to another buyer.

Sale agreed

In England and Wales once a sale is agreed nothing is binding until contracts have been signed However it is good practice to withdraw your property from the market.

email: property@mlmcartwright.com


stock-photo-dog-welcome-home-on-brown-mat-112951720Buying a home can be a long and problematic process, but we aim to to make your transaction as prompt, smooth and painless as possible. The following are typical steps of the process:-

How much can you borrow?

A mortgage broker will be able to advise you. Brokers search the market for the best available deal for your circumstances and help you to maximise your borrowing power, advising you on the different types of mortgages available including fixed-rate or variable. You will need to give details of you monthly incomings and outgoings and decide upon the amount of money you can afford for a deposit.

Define Your Criteria

It is important to consider location of suitable properties, do you need a garden, a garage, a flat, a house, how many bedrooms, consider availability of nearby schools, shops, transport links etc.

Searching for a suitable property

There are many property websites to look at and it is always a good idea to register with Estate Agents who can arrange viewings for you. It is always best to look at a number of properties and to note that you are unlikely to find the home you want straight away, so don’t despair and don’t be tempted to over-stretch your budget – this is probably going to be the biggest financial outlay in your life, so it is worth waiting until you find the right place.

Making an offer

Before making an offer be sure to obtain as much information as possible from the Estate Agent. Many buyers make an offer below the asking price which is often accepted, but if you want to be sure you get the property you like you may want to offer the full amount straight away. Once your offer is accepted the property will be taken off the market and you will then need to instruct a solicitor, sort out your mortgage application with a Mortgage Broker or Lender and arrange for a survey and valuation of the property to be carried out.

What do solicitors do?

A contract is prepared and a list of questions is sent to the seller for them to answer including a questionnaire asking which fixtures and fittings they intend to leave when they move.

The Survey

Read the survey carefully. If there are problems with the property and you do not wish to proceed with the purchased then let everyone know as quickly as possible before you incur any other costs.

If you do want to pursue the purchase, but the survey advises work that needs doing, arrange for quotes to be obtained.  Depending on the results of this you may be able to negotiate a reduced price with the buyer.

Exchange of contracts

After your solicitor or conveyancer has completed all the necessary checks you’ll be asked to sign a contract legally committing you to the purchase. At this point you will need to pay a deposit for the property and agree a completion date.

Your lender will require that you have buildings insurance on the property from the date of completion.


The property becomes yours once the monies have been transferred on this date. When your solicitor tells you that the sale is completed you can pick the keys up from the estate agent.

email: property@mlmcartwright.com


stock-photo-saving-to-buy-a-house-or-home-savings-concept-with-grass-growing-in-shape-of-house-inside-370975130A remortgage is where you take out a new mortgage on a property you already own. This may be to replace an existing mortgage, or to borrow money against your property.  Around a third of all home loans made in the UK are actually remortgages.

Why you might take out a remortgage:

If your current deal is about to end

Many of the best mortgages deals only last a short time – when the mortgage comes to an end you will automatically be moved to the lenders standard rates which are likely to be higher than the original rate which you were paying

Check whether there is an exit or admin fee for early mortgage payment if you decide to switch mortgage (“remortgage”)

Your home has increased in value

If the value of the property has risen since you took out your mortgage you may be eligible for better rates

Additional money

You have received some money and wish to pay off a part of your mortgage.  Your current deal may now allow you to do this and so this would be a good time to re-negotiate a mortgage.

You want to borrow more

If your current lender won’t allow you to borrow more, then another lender might.  However, remember to take all the fees into account to check that it really is cheaper to remortgage rather than utilise other forms of borrowing.

You want a more flexible mortgage

You may wish to take a ‘payment holiday’ for such reasons as changing jobs, going back into education, travelling or you may wish to combined savings and mortgage accounts.  Check out fees as flexible features usually come with a cost.

Reasons not to change

Changed circumstances

Your financial position may have altered and a new lender may not be prepared to offer you a loan as you don’t fit their criteria.

Value of your house has dropped

Often called negative equity, even if you have been making regular mortgage repayments you might be in a situation where your debt is higher than the value of the property. Often all you can do is sit tight and wait for prices to rise, and make overpayments whenever you can afford to.

You have very little equity

If you need to borrow more than 90% of the value of your property you may well find it difficult to better your rate elsewhere.

You’ve had credit problems since taking out your last mortgage

Mortgage lenders will want details or your incomings and outgoings and if they feel you may not be able to make the repaymemts no deal will be offered to you.

You’re already on a great rate

Just keep your eye on other deals to ensure you keep the best rate.

email: property@mlmcartwright.com

Private Client


Our experienced and fully lawyers have expertise in the following areas:

  • Wills – a simple, inexpensive process, to bring both you and your family peace of mind
  • Lifetime tax planning – we can help you to minimise the burden of tax on your estate, through the use of gifts and trusts
  • Estate administration (Probate) – we can deal with estates of all sizes, quickly and efficiently
  • Lasting Powers of Attorney – we can assist both with preparing LPAs and registering them with the Court of Protection
  • Court of Protection/Attorneyship issues – we are experienced in making applications to the Court and in acting as professional Deputies and Attorneys
  • Creation and administration of Trusts – we can offer expert advice on Trusts of any size and complexity

email: private.client@mlmcartwright.com
For more information go to www.privateclient.mlmcartwright.com

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