In what way does my ID and proof of funds have anything to do with my conveyancing in Caergwrle? Is this really warranted?
Caergwrle conveyancing solicitors and indeed property practitioners throughout the UK have an obligation under money laundering regulations to verify the ID of any client in order to ensure that clients are who they say they are.
Conveyancing clients are required to supply two forms of certified ID; proof of ID (usually a Passport or Driving Licence) and proof of address (usually a Utility Bill no more than three months).
Evidence of source of monies is also necessary under the money laundering regulations as solicitors are obliged to investigate that the monies you are using to purchase a property (whether it be the deposit for exchange or the total purchase price where you are buying mortgage free) has originated from a reputable source (such as an inheritance) and is not the proceeds of illegitimate behaviour.
My relative suggested that where I am buying in Caergwrle I should carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?
A search of this type is occasionally included in the estimate for your Caergwrle conveyancing searches. It is not a small document of about 40 pages, listing and setting out significant information about Caergwrle around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Caergwrle Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Caergwrle Education with plans and statistics, Local Amenities and other useful information regarding Caergwrle.
My wife and I have a 4 bedroom Georgian house in Caergwrle. Conveyancing solicitor acted for me and Britannia. I happened to do a free search for it on the Land Registry database and I saw two entries: one for freehold, another for leasehold with the exact same address. If a house is not a freehold shouldn't I have been informed?
You should read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Caergwrle and other locations in the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also question the situation with your conveyancing lawyer who completed the work.
I opted to have a survey completed on a house in Caergwrle ahead of retaining conveyancers. I have been told that there is a flying freehold element to the property. My surveyor has said that some mortgage companies may not issue a loan on this type of premises.
It depends who your proposed lender is. HSBC has different instructions from Nationwide. Should you wish to telephone us we can check via the appropriate lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Caergwrle. Conveyancing will be smoother if you use a solicitor in Caergwrle especially if they are familiar with such properties in Caergwrle.
My step-father has suggested that I appoint his lawyers for conveyancing in Caergwrle. Should I use them?
No doubt the best way to choose a conveyancing practitioner is to seek feedback from friends or family who have actually used the firm you're are thinking of instructing.
Are the Caergwrle conveyancing lawyers identified as being on the lender conveyancing panel, together with their details provided by the lender?
Caergwrle law firm practices and firms conducting conveyancing in Caergwrle themselves provide us confirmation that they are on the bank conveyancing panel as opposed to being supplied with a list from the lender directly.