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

You are right in these requests have nothing to do with conveyancing in Sipson. Nowadays you can not proceed with any conveyancing deal if you have not supplying evidence of your identity. Ordinarily this takes the form of a either your passport or driving licence as well as a utility bill. Remember if you are providing your driving licence as evidence of ID it must be both the paper element as well as the photo card part, one is not satisfactory in the absence of the other.

Verification of your source of monies is necessary under Money Laundering Regulations. Don’t be offended when when this is requested of you as your conveyancer will need to retain this information on record. Your Sipson conveyancing practitioner will require evidence of proof of funds prior to accepting any funds from you into their client account and they will also ask additional queries regarding the origin of funds.

My apartment in Sipson is up for sale and I have a buyer. Does my property lawyer have to be on the Coventry BS conveyancing panel in order to deal with repayment of my mortgage?

Ordinarily, even if your lawyer is not on the Coventry BS conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their panel criteria fairly frequently at the moment.

I am the sole beneficiary of my late grandmother’s estate with all property in now in my sole name, including the house in Sipson. The Sipson property was put into my name in December. I now wish to sell up. I do know about the Mortgage Lenders 6 month 'rule', which means that my property ownership will be considered the same way as though I had purchased the house in December. Will no one buy the property for half a year?

The CML handbook mandates conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you could be affected by that. How sensible a view banks take of it, depend on the lender as this requirement is chiefly there to pick up on subsales or the flipping of property.

It is unclear whether my lender requires a lease extension. I have called my Sipson bank branch on a couple of occasions and was told it does not impact the mortgage offer and they will lend. My Sipson conveyancing solicitor - who is on the bank conveyancing panel- telephoned to say that they refuse to lend based on their published requirements. I simply don't know who is right.

The conveyancer must follow the Council of Mortgage Lenders’ Handbook Part 2 requirements for your bank. Unless your lawyer obtains specific confirmation in writing that the mortgage company will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the bank to contact your lawyer in writing confirming that they will accept the number of years remaining.

Intending to buy a apartment in Sipson. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Clydesdale conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.

They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Sipson conveyancing practitioner is on the Clydesdale conveyancing panel.

Are there restrictive covenants that are commonly identified during conveyancing in Sipson?

Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the process of conveyancing in Sipson. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’

I've recently found out that there is a flying freehold element on a property I put an offer in a fortnight ago in what was supposed to be a simple, no chain conveyancing. Sipson is the location of the property. Can you shed any light on this issue?

Flying freeholds in Sipson are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Sipson you would need to get your solicitor to go 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 Sipson may determine 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 premises.