I am expecting a offer of a home loan from Halifax. I would like to retain the legal services of a Licensed Conveyancer in Harlesden. Does the Halifax Solicitor panel allow for Licensed Conveyancers?
The Halifax approved solicitor list is, like many other lenders, associated to the CML or Building Society Association, open to Licensed Conveyancers regulated by the CLC.
Can the conveyancing practitioners identified via your search tool conduct auction conveyancing in Harlesden?
There are a few auction solicitors we can connect you with those who can conduct auction conveyancing. Harlesden is one of the many locations where our lawyers have a presence.
What does my ID and proof of funds have anything to do with my conveyancing in Harlesden? What am I being asked for?
You are right in the requirement set out by your lawyer has nothing to do with conveyancing in Harlesden. Nowadays you will not be able to complete any conveyancing deal if you have not supplying proof of your identity. Ordinarily this takes the form of a either your passport or driving licence and a utility bill. Remember if you are providing your driving licence as evidence of ID it must be both the paper element and photo card part, one is not acceptable without the other.
Proof of your origin of money is necessary under Money Laundering Regulations. Please do not be offended when you are asked to produce this as your conveyancer must have this information on file. Your Harlesden 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 further queries concerning the origin of funds.
I had intended to instruct a conveyancing solicitor in Harlesden for our house move. Our financial adviser has since notified us that our bank Platform Home Loans Ltd won't deal with them. Surely this is unduly restrictive?
Banks tend to imposes restrictions either the type or the volume of conveyancing solicitors on their member panel. A common example of such criteria being that a firm must not be a sole practitioner. In addition to restricting the profile of firm, a few lenders have reduced the number of firms they use to act for them. You should note that Platform Home Loans Ltd have no responsibility for the quality of advice provided by any member of Platform Home Loans Ltd Conveyancer Panel. Mortgage fraud was a primary driver in the reduction of conveyancing panels a few years ago even though there are mixed views regarding the level of solicitor involvement in some of that fraud. Figures from the Land Registry indicate that thousands of law firms, including some in or near Harlesden only perform very few conveyances a year.
My friend advised me that if I am buying in Harlesden I should ask my conveyancer to carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
This is a search is usually quoted for as part of the standard Harlesden conveyancing searches. It is not a small document of about 40 pages, listing and setting out important information about Harlesden around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Harlesden Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average Property Price, Crime statistics, Local Education with maps and statistics, Local Amenities and other useful information regarding Harlesden.
Do I need to have a meeting at the offices of the lender conveyancing panel solicitor to execute the legal charge? If so, I will choose one who does conveyancing in Harlesden so that I can attend their offices when needed.
Whereas this was necessary 12 years ago, most lenders no longer require their conveyancing panel solicitor to witness the borrowers signature. You will still be obliged to provide ID Documents and there are still distinct advantages to using a local solicitor, in your case a conveyancing solicitor in Harlesden.