In what way does my ID and proof of funds have anything to do with my conveyancing in Keelby? Is this really necessary?
Keelby conveyancing solicitors as well as nationwide property lawyers throughout the UK have an obligation under money laundering regulations to check the identity of any client in order to satisfy themselves that clients are who they say they are.
Conveyancing clients are required to supply two forms of certified ID; proof of identity (typically a Passport or Driving Licence) and proof of address (usually a Utility Bill less than 3 months old).
Evidence of the origin of monies is also necessary under the money laundering laws as lawyers are duty bound to check that the money you are utilising to purchase a property (be it the exchange deposit or the total purchase amount where you are buying without a mortgage) has originated from legitimate source (such as an inheritance) and is not the fruits of criminal activity.
This question may be naive but I am unexperienced as FTB of a garden flat in Keelby. Do I collect the keys to the premises on the completion date from my conveyancer? If this is the case, I will use a local conveyancing solicitor in Keelby?
There is no need to visit the lawyers office on the day of completion. Your solicitors will transfer the purchase money to the seller's lawyers, and once they have received this, you will be able to collect the keys from the Estate Agents and start moving into the property. Usually this happens between 1 and 3pm.
I am expecting a OIP from Kent Reliance this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Kent Reliance recommend any Keelby solicitors on the Kent Reliance conveyancing panel, or is it better to go independently?
You will need to appoint Keelby solicitors independently although you'll need to choose one on the Kent Reliance conveyancing panel. The solicitor represents both you and Kent Reliance through the process.
My offer was accepted on a house in Keelby on 5/9/2025, valuation was booked 2 days later, received a clean bill of health. Conveyancer retained, so the only thing outstanding was my mortgage offer. Having made daily calls to Santander and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Santander conveyancing panel. Can the lender hold off the offer?
Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Santander to deal with your lawyer's application to be on the Santander conveyancing panel. There's no guarantee that your solicitor will be accepted.
I've recently found out that there is a flying freehold issue on a house I put an offer in last month in what should have been a straight forward, chain free conveyancing. Keelby is the location of the property. Can you shed any light on this issue?
Flying freeholds in Keelby are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Keelby you would need to get your solicitor to go through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Keelby may determine 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 property.
My business partner and I are intending to take an assignment of a lease of an office on a shopping parade. Can you recommend conveyancers offering competitive costs for commercial conveyancing in Keelby for less than 2k?
We are happy to recommend firms who host a wealth of experience of commercial conveyancing in Keelby, including the disposal and acquisition of businesses as well as simply property. If you are looking to purchase or dispose of a shop, pub, restaurant, office, retail unit or a whole business we can find you the right solicitor. Regarding the costs these will vary based on the structure and complexity of the proposed transaction. Let us have your details or phone so as to enable us to provide you with a detailed commercial conveyancing calculation.
Expecting to complete next month on a leasehold property in Keelby. Conveyancing solicitors assured me that they are sending me a report tomorrow. What should I be looking out for?
The report on title for your leasehold conveyancing in Keelby should include some of the following:
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What options are open to you if an adjoining owner breaches a clause of their lease? Whether the landlord has obligations to ensure rights of quiet enjoyment over your property and do you know what it means in practice? Your conveyancers should enable you to have an understanding of the insurance obligations Defining your rights in relation to common areas in the building.E.G., does the lease provide for a right of way over a path or staircase? The total ownership of the demise. This may be the apartment itself but could also include a attic or cellar if applicable.
Keelby Leasehold Conveyancing - Examples of Queries Prior to buying
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Who takes charge for maintaining and repairing the block? It would be prudent to investigate if there is anything that is prohibited in the lease. For example some leases prohibit pets being allowed in in a block in Keelby. If you love the flatin Keelby however your dog can’t make the move with you then you will be faced hard choice. If a Keelby lease has fewer than 80 years it will impact the marketability of the flat. Check with your lender that they are willing to lend given the lease term. Leases with fewer than 80 years remaining means that you will most likely need a lease extension at some point and you need to have some idea of what this would cost. For most Keelbylease extensions you would be be obliged to have been the owner of the property for 24 months before you are legally able to exercise a lease extension.
When it comes to my conveyancing in Keelby should I be charged VAT on the following: (1) Land reg fee on purchase (2) Pre - completion search fee (3) SDLT E submission on purchase (4) Bank TT fee
(1) Land reg fee on purchase - No (2) Pre - completion search fees -No, (such conveyancing searches are HMLR ones and means £4 and possibly £2 bankruptcy per name on your mortgage) (3) SDLT E submission on your purchase - There is no VAT on Stamp Duty. However if the firm is charging a stamp duty e-submission fee as part of their services - some Keelby conveyancers do - that will incur VAT(4) Bank transfer fee - Yes it is for the conveyancer's time in submitting the funds this way.