Please help. My Hale lawyer is informing me me that she is duty bound toconduct Hale conveyancing searches asthe firm are on the Nat Westsolicitor panel. Is this really necessary?
You have limited options available to you. Given that you are taking out a loan with a mortgage company your property lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your property lawyer would have previously signed the Terms and Conditions of your bank’s conveyancing panel appointment which obliges them to follow the CML Handbook provisions . Even if you were a cash buyer you would be ill advised not to carry out Hale conveyancing searches.
What does my ID and proof of funds have anything to do with my conveyancing in Hale? What am I being asked for?
It is indeed that case that the requirement set out by your lawyer has nothing to do with conveyancing in Hale. However these days you will not be able to proceed with any conveyancing deal if you have not supplying evidence of your identity. This usually takes the form of a either your passport or driving licence as well as a bank statement. Remember if you are supplying your driving licence as proof of ID it must be both the paper section as well as the photo card part, one is not satisfactory in the absence of the other.
Verification of the origin of money is mandated in accordance with the Money Laundering Regulations. Don’t be offended when you are asked to produce this as your conveyancer will need to have this information on record. Your Hale conveyancing lawyer will need to see evidence of proof of funds before they are able to accept any money from you into their client account and they should also ask additional questions regarding the source of funds.
We are purchasing a house and the solicitor has raised the issue of Chancel Repair to which the house could be liable given it’s proximity to the area of such a church. He has recommended insurance. Is this really appropriate for conveyancing in Hale
Unless a prior purchase of the premises took place post 12 October 2013 you can assume that conveyancing practitioners conducting conveyancing in Hale to continue to suggest a chancel search and or chancel repair liability insurance.
How does conveyancing in Hale differ for newly converted properties?
Most buyers of new build property in Hale contact us having been asked by the housebuilder to exchange contracts and commit to the purchase even before the residence is finished. This is because new home sellers in Hale tend to purchase the land, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Hale or who has acted in the same development.
I decided to have a survey done on a house in Hale before appointing conveyancers. I have been informed that there is a flying freehold aspect to the house. My surveyor advised that some mortgage companies tend refuse to issue a mortgage on such a premises.
It depends who your proposed lender is. Bank of Scotland has different instructions from Halifax. 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 accustomed to dealing with flying freeholds in Hale. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Hale to see if the conveyancing costs will increase in light of this.
I have been sourcing a conveyancing practitioner in Hale for my house move. Can I check a firm’s complaints history with the legal regulator?
You can see published Solicitor Regulator Association (SRA) determinations resulting from inquisitions commenced on or after Jan 2008. Visit Check a solicitor's record. To find details about the period before 1 January 2008, or to check a solicitors record, call 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For non-uk callers, call +44 (0)121 329 6800. The SRA sometimes monitor call for training reasons.