In what way does my ID and proof of funds have anything to do with my conveyancing in Grange Over Sands? Is this really necessary?
It is indeed that case that the requirement set out by your solicitor has nothing to do with conveyancing in Grange Over Sands. Nowadays you will not be able to proceed with any conveyancing process without first providing evidence of your identity. Ordinarily this takes the form of a either your passport or driving licence plus a council tax bill. Please note that if you are supplying your driving licence as proof of identification it must be both the paper element and photo card part, one is not acceptable in the absence of the other.
Evidence of the origin of funds is mandated in accordance with the Money Laundering Regulations. You should not be offended when when this is requested of you as your conveyancing solicitor will need to retain this information on record. Your Grange Over Sands conveyancing solicitor will require evidence of proof of funds before they are able to accept any funds from you into their client account and they may also ask additional questions concerning the source of funds.
My wife and I are at the point of looking at houses in Grange Over Sands and I am now considering a potential offer. Is it premature to have a solicitor in place? I will be getting a mortgage with Virgin Money.
You should start obtaining conveyancing estimates from solicitors ASAP. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and forward their contact information on to the EA. As you are seeking a mortgage with Virgin Money, make sure you remember to check that your lawyer is on the Virgin Money conveyancing panel.
I am currently in the process of buying my council flat in Grange Over Sands. I have a mortgage agreed with Coventry BS. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Coventry BS, you will need to appoint a solicitor on the Coventry BS conveyancing panel.
After weeks of negotiation I have agreed a price on a house in Grange Over Sands. My financial adviser recommended their conveyancers. I paid an upfront payment of £200. Soon after, the lawyer called me sheepishly admitting that they were not on the UBS conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the UBS panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
What does a local search inform me about the property my wife and I buying in Grange Over Sands?
Grange Over Sands conveyancing often commences with the submitting local authority searches directly from your local Authority or via a personal search organisations such as Xpress Legal The local search plays an important part in many a Grange Over Sands conveyancing purchase; as long as you wish to avoid any nasty surprises after you move into your new home. The search will provide information on, amongst other things, details on planning applications relevant to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 topic areas.
I own a semi-detached Georgian property in Grange Over Sands. Conveyancing practitioner acted for me and Birmingham Midshires. I happened to do a free search for it on the Land Registry database and there are two entries: one for freehold, the second leasehold with the matching property. I thought I was buying a freehold how can I check?
You should review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Grange Over Sands and other areas of the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with purchasers. You can also enquire as to the position with the conveyancing lawyer who completed the work.
My partner has urged me to instruct his conveyancers in Grange Over Sands. Do I take his recommendation?
No doubt the best way to choose a conveyancing practitioner is to seek recommendations from friends or family who have actually used the conveyancer you're contemplating using.