What does my ID and proof of funds have anything to do with my conveyancing in South Woodham Ferrers? What am I being asked for?

It is indeed that case that these requests have nothing to do with conveyancing in South Woodham Ferrers. However these days you can not complete any conveyancing transaction if you have not providing evidence of your identity. This usually takes the form of a either your passport or driving licence as well as a council tax bill. Please note that if you are providing your driving licence as proof of ID it needs to be both the paper element and photo card part, one is not acceptable without the other.

Proof of the source of monies is mandated in accordance with the Money Laundering Regulations. Don’t be offended when you are asked to produce this as your lawyer will need to have this information on record. Your South Woodham Ferrers conveyancing practitioner will need to see evidence of proof of funds before they are able to accept any monies from you into their client account and they may also ask further questions concerning the origin of funds.

Two weeks ago we had a mortgage agreed in principle with Leeds Building Society. South Woodham Ferrers conveyancing lawyers are chosen. What is the average time that one could expect to receive a mortgage offer from Leeds Building Society?

Some lenders take longer than others. Have Leeds Building Society conducted the valuation? Have you informed Leeds Building Society as to your lawyers' details and checked that your lawyers are on the Leeds Building Society conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.

I am purchasing a property in South Woodham Ferrers. An unusual aspect is that the roof has a solar panel. Skipton have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?

Given that you are obtaining a mortgage with Skipton your lawyer must check the conveyancing instructions set out in Part two of UK Finance Lenders’ Handbook for Skipton. The Council of Mortgage Lenders’ Handbook contains minimum provisions for solar panel roof-space leases, and solicitors are required to report to Skipton where a lease does not satisfy these conditions. The specifications relate to the installation of panels on properties in England and Wales and is not limited to South Woodham Ferrers.

Intending to buy a apartment in South Woodham Ferrers. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Principality 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 South Woodham Ferrers conveyancing practitioner is on the Principality conveyancing panel.

I note that there are debates on Chancel Insurance on online forums. Do I need this when purchasing a property in South Woodham Ferrers? or I am told that there is a law dating back centuries that could mean that owners of property residing in a parish church boundary will be compelled to contribute towards repairs towards the chancel within the church. Is this suitable for conveyancing in South Woodham Ferrers?

Unless a previous purchase of the house took place post 12 October 2013 you could take it that solicitors delivering conveyancing in South Woodham Ferrers to continue to suggest a chancel search and or insurance against a claim.

Due to the guidance of my in-laws I had a survey completed on a house in South Woodham Ferrers ahead of instructing solicitors. I have been informed that there is a flying freehold overhang to the property. The surveyor advised that some mortgage companies will refuse to grant a mortgage on this type of home.

It depends who your proposed lender is. Lloyds has different requirements from Halifax. If you call us we can look into this further with the relevant lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in South Woodham Ferrers. Conveyancing will be smoother if you use a solicitor in South Woodham Ferrers especially if they are familiar with such properties in South Woodham Ferrers.

I have recently realised that I have Sixty One years left on my lease in South Woodham Ferrers. I need to extend my lease but my landlord is missing. What options are available to me?

On the basis that you meet the appropriate requirements, under the Leasehold Reform, Housing and Urban Development Act 1993 you can submit an application to the County Court for an order to dispense with the service of the initial notice. This will mean that your lease can be lengthened by the magistrate. You will be obliged to demonstrate that you have used your best endeavours to find the freeholder. In some cases an enquiry agent would be useful to carry out a search and prepare a report which can be used as proof that the freeholder is indeed missing. It is wise to seek advice from a property lawyer both on proving the landlord’s disappearance and the vesting order request to the County Court overseeing South Woodham Ferrers.

Leasehold Conveyancing in South Woodham Ferrers - Examples of Queries Prior to buying

It would be wise to investigate if the the lease includes any unreasonable restrictions in the lease. For instance some leases prohibit pets being allowed in in a block in South Woodham Ferrers. If you love the apartmentin South Woodham Ferrers however your cat can’t make the move with you then you will be presented with a hard determination. Who is in charge of the building?