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

It is indeed that case that these requests have nothing to do with conveyancing in Todmorden. However these days you can not 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 evidence of identification it must be both the paper element as well as the photo card part, one is not sufficient in the absence of the other.

Evidence of your origin of monies is required under Money Laundering Regulations. Please do not be offended when you are asked to produce this as your lawyer must have this information on file. Your Todmorden conveyancing lawyer will require evidence of proof of funds before they are able to accept any monies from you into their client account and they should also ask further questions regarding the origin of funds.

My bid for a property was accepted at auction in Todmorden. Conveyancing is required. What are my next steps?

Given that you are now legally committed yourself to purchase you will need to hire the services of a conveyancing practitioner soon as you are facing a fast approaching deadline in which to complete the deal. All auction property should have a corresponding auction pack. This will likely include most,if not all of the paperwork that your lawyer requires. Where you are dealing with leasehold premises the auction papers may contain a copy of the lease, management information and a sellers leasehold information form and associated conveyancing paperwork specific to a leasehold property. You should give this to the lawyer instructed by you as soon as possible. Do make sure that that you have the requisite funding organised to complete the transaction on the set completion date.

I have decided to exercise my right to buy my property in Todmorden off the council. I have a mortgage agreed with Lloyds. 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 Lloyds, you will need to appoint a solicitor on the Lloyds conveyancing panel.

I was told two weeks ago that my mortgage has been agreed to by Bank of Ireland. Is it usual for Bank of Ireland to only issue the offer once my solicitor in Todmorden is approved on their conveyancing panel? Bank of Ireland have asked my solicitor to see a copy of their PI Insurance.

Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Bank of Ireland to deal with your lawyer's application to be on the Bank of Ireland conveyancing panel. There's no guarantee that your solicitor will be accepted.

I've recently found out that there is a flying freehold element on a house I have offered on last month in what should have been a straight forward, chain free conveyancing. Todmorden is where the house is located. Can you shed any light on this issue?

Flying freeholds in Todmorden are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Todmorden you would need to get your solicitor to go through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Todmorden 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.

In scouring the web for the words cheap conveyancing in Todmorden it reveals numerous solicitorsin the area. How do I determine which is the suitable property lawyer for my move?

The best way of seeking a suitable conveyancer is through a trusted recommendation, so seek the counsel of friends and those you trust who have bought a property in Todmorden or a local estate agent or mortgage broker. Costs for conveyancing in Todmorden differ, so it's sensible to request a minimum of three quotes from different companies. Dont forget to clarify that the fees are fixed.

We have been told by many family members that it should take six to eight weeks for Todmorden conveyancing to complete.This was a month ago. The property information was only sent to my lawyer a couple of days ago so now does it countdown?

You should treat with suspicion of any conveyancer promising expedited completion times. Rather you should enquire about the average time it takes for them to complete Todmorden conveyancing deals and if they are willing to aim towards an agreed target date for your conveyancing in Todmorden