I am getting a mortgage offer from Halifax. I hope to employ the services of a Licensed Conveyancer in Chobham. Does the Halifax Conveyancing panel include Licensed Conveyancers?
The Halifax approved solicitor list is, like many other lenders, associated to the Council or Mortgage Lenders or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
What does my ID and proof of funds have anything to do with my conveyancing in Chobham? Is this really necessary?
Chobham conveyancing solicitors as well as nationwide property practitioners throughout the UK have a duty under Anti-terror and anti-money-laundering rules to verify the identity of any client in order to satisfy themselves that clients are who they say they are.
Conveyancing clients will need to produce two forms of certified ID; proof of identity (usually a Passport or Driving Licence) and evidence of address (usually a Bank Statement no older than three months).
Evidence of the origin of monies is also necessary in compliance with the money laundering statutes as solicitors are obliged to ensure that the monies you are using to acquire a property (whether it be the deposit for exchange or the total purchase price if you are a cash purchaser) has originated from an acceptable source (such as an inheritance) rather than the fruits of illegitimate behaviour.
Various online forums that I have come across warn that are the primary cause of stalling in Chobham conveyancing transactions. Is this right?
The Council of Property Search Organisations (CoPSO) has noted the determinations of a review by MoveWithUs that conveyancing searches do not figure amongst the common causes of hindrances during the legal transfer of property. Searches are not likely to feature in any holding up conveyancing in Chobham.
I acquired my house on 4 September and my personal details is yet to be on the land registry website. Should I be concerned? My conveyancing solicitor in Chobham expressed confidence that it should be formalised inside ten days. Are titles in Chobham particularly slow to register?
There is nothing unique when it comes to conveyancing in Chobham registration formalities. Rather than based on location, timescales can differ according to the party submitting the application, whether it is in order and if the Land registry must send notices to any interested parties. At present roughly 80% of such applications are fully dealt with in less than three weeks but occasionally there can be protracted delays. Historically registration occurs after the new owner has moved in to the property thus 'speed' is not typically an essential issue yet where it is urgent that the the registration takes place urgently then you or your solicitor could speak with the land registry and explain the circumstances.
I've recently found out that there is a flying freehold issue on a house I put an offer in two weeks back in what should have been a simple, no chain conveyancing. Chobham is where the house is located. Can you offer any advice?
Flying freeholds in Chobham are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Chobham you must be sure that your lawyer goes through the deeds very carefully. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Chobham may ascertain 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.
I note that you have a search directory listing solicitors on the bank conveyancing panel. Do Chobham conveyancing firms pay you a referral fee if I appoint them for my own house purchase?
We are a listing service only for law firms wishing to communicate if they are on the lender conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint for your conveyancing in Chobham.