I am obtaining a offer of a home loan from Halifax. My intention is to instruct a Licensed Conveyancer in Earlsfield. Does the Halifax Solicitor panel include Licensed Conveyancers?
The Halifax conveyancing panel is, like many other lenders, represented by the CML or BSA, 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 Earlsfield? Why is this being asked of me?
It is indeed that case that these requests have nothing to do with conveyancing in Earlsfield. Nowadays you will not be able to proceed with any conveyancing process if you have not providing proof of your identity. This usually takes the form of a either your passport or driving licence and a bank statement. Please note that if you are providing your driving licence as evidence of identification it needs to be both the paper section as well as the photo card part, one is not acceptable in the absence of the other.
Proof of your source of monies is required in accordance with the Money Laundering Regulations. You should not be offended when you are asked to produce this as your conveyancing solicitor must have this information on record. Your Earlsfield conveyancing practitioner will require evidence of proof of funds prior to accepting any funds from you into their client account and they should also ask additional queries concerning the source of funds.
Me and my brother own a terraced Georgian house in Earlsfield. Conveyancing lawyer represented me and Halifax. 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 under the matching address. If a house is not a freehold shouldn't I have been informed?
You should review the Freehold register you have again and check the Charges Register as there may be 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 Earlsfield 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 buyers. You can also check the position with your conveyancing practitioner who completed the work.
I decided to have a survey done on a house in Earlsfield in advance of appointing lawyers. I have been advised that there is a flying freehold overhang to the property. The surveyor advised that some lenders tend not give a mortgage on such a house.
It depends who your proposed lender is. Santander has different requirements for example to Birmingham Midshires. Should you wish to call us we can check via the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Earlsfield. Conveyancing may be slightly more expensive based on your lender's requirements.
What does commercial conveyancing in Earlsfield cover?
Non domestic conveyancing in Earlsfield incorporates a broad array of advice, given by regulated solicitors, relating to business property. For instance, this type of conveyancing can cover the sale or purchase of freehold business premises or, more commonly, the transfer of existing leases or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial loans and the termination of tenancies.
In searching the web for the phrase cheap conveyancing in Earlsfield it brings up many solicitorsin the area. With so much choice what is the best way to find the right conveyancing solicitor for the sale of my house?
The best way of finding the right conveyancer is via personal testimonial, so enquire of friends and relatives who have bought a property in Earlsfield or a local estate agent or financial adviser. Charges for conveyancing in Earlsfield differ, so it's a good idea to obtain a minimum of three costs illustrations from varying types of companies. Be sure to obtain confirmation what costs in the quote includes.