In what way does my ID and proof of funds have anything to do with my conveyancing in Kirby Muxloe? Why is this being asked of me?

You are right in the requirement set out by your lawyer has nothing to do with conveyancing in Kirby Muxloe. Nowadays you will not be able to proceed with any conveyancing deal in the absence submitting proof of your identity. Ordinarily this takes the form of a either your passport or driving licence and a bank statement. Please note that if you are providing your driving licence as evidence of identification it needs to be both the paper element and photo card part, one is not sufficient in the absence of the other.

Evidence of your source of money is mandated under Money Laundering Regulations. Don’t be offended when you are asked to produce this as your conveyancing solicitor will need to have this information on file. Your Kirby Muxloe conveyancing practitioner will need to see evidence of proof of funds prior to accepting any money from you into their client account and they will also ask further questions concerning the origin of monies.

Forgive me if this question is silly but I am unseasoned as FTB of a garden flat in Kirby Muxloe. Do I receive the keys to the house on the completion date from my conveyancer? If this is the case, I will use a local conveyancing solicitor in Kirby Muxloe?

There is no need to visit the lawyers office on the day of completion. Your solicitors will transfer the completion advance to the vendor’s conveyancers, and shortly after the monies have arrived, you should be called to pick up the keys from the selling Agents and move into your new home. Usually this happens between 1 and 3pm.

Completion of my purchase has taken place for my property in Kirby Muxloe. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge a complaint?

Most banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Department at head office. We understand that complaints to a lender are sorted out effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.

I recently had an offer agreed on an apartment in Kirby Muxloe. My mortgage broker recommended their conveyancers. I paid an on account payment of £225. Soon after, the property lawyer contacted me to say that they were not on the Virgin Money 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 Virgin Money 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.

Despite weeks of looking the Title Certificate and documents to our house are lost. The solicitors who conducted the conveyancing in Kirby Muxloe 5 years ago are no longer around. Will I be able to sell the house?

In today’s world there are duplicates made of almost everything, and your conveyancer should know precisely where to locate all the suitable paperwork so you may purchase or sell your property without a hitch. Where duplicates are not available, your conveyancer can put in place insurance or indemnities protecting you against future claims on your premises.

I am buying a new build house in Kirby Muxloe with a loan from Barclays . The sellers refused to budge the amount so I negotiated five thousand pounds worth of extras instead. The property agent advised me not to tell my lawyer about this side-deal as it will impact my loan with the bank. Should I keep quiet?.

All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.

Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.

Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.

We're FTB’s - agreed a price, but the property agent advised that the vendor will only proceed if we appoint the agent's recommended lawyers as they are insisting on a ‘quick sale’. My instinct tells me that we should use a family conveyancer used to conveyancing in Kirby Muxloe

It is unlikely the vendors are behind this. Should the owner require ‘a quick sale', taking such a hostile approach to a serious buyer is counter productive. Try to communicate with the vendors directly and explain that (a)you are genuine purchasers (b)you are ready to progress, with finances arranged © you are unencumbered (d) you wish to move quickly (e)but you are going to use your preferred Kirby Muxloe conveyancing solicitors - as opposed tothe ones that will provide their negotiator at the agency a referral fee or hit his conveyancing figures demanded by senior management.