In what way does my ID and proof of funds have anything to do with my conveyancing in Littlehampton? Is this really warranted?
Littlehampton conveyancing solicitors as well as nationwide property practitioners throughout the UK have an obligation under Anti-terror and anti-money-laundering rules to check the identity of any client with a view to satisfy themselves that clients are who they say they are.
Conveyancing clients are required to produce two forms of certified ID; proof of identity (typically a Passport or Driving Licence) and evidence of address (typically a Bank Statement less than 3 months old).
Evidence of source of funds is also necessary in accordance with the money laundering regulations as solicitors are required to ensure that the funds you are using to purchase a property (whether it be the deposit for exchange or the full purchase amount if you are buying without a mortgage) has come from an acceptable source (such as an inheritance) rather than the product of criminal behaviour.
I am helping my niece sell her flat in Littlehampton. Does the solicitor order an energy performance certificate or do I organise this?
Following the demise of Home Information Packs, energy performance certificates was maintained a required element of selling a property. An energy performance certificate needs to be to hand before the property is advertised. This is not a task that solicitors normally arrange. If you are instructing a Littlehampton conveyancing lawyer they may be willing to arrange EPC’s given their relationships with long established local assessors
I am purchasing a terrace house in Littlehampton. The intention is to carry out an extension to the side at the house.Will legal conveyancing on the property include enquiries to determine if these works are permitted?
Your conveyancer will check the registered title as conveyancing in Littlehampton will on occasion reveal restrictions in the title documents which prevent certain alterations or need the consent of a 3rd party. Some works call for local authority planning permissions and approval in compliance with building regulations. Many areas are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. It would be prudent to check these things with a surveyor ahead of any purchase.
Are all Littlehampton Conveyancing Quality Solicitors on the Virgin Money conveyancing list of approved firms?
It is true that some banks and building societies now use CQS as the kick off point for Panel approval such as HSBC and Santander. The Law Society’s CQS accreditation however is no guarantee to lender panel acceptance. Nevertheless,the CML have indicated that it is likely to become a pre-requisite for solicitors wishing to join their approved list of conveyancing solicitors.
Me and my brother have a 4 bedroom Victorian house in Littlehampton. Conveyancing lawyer acted for me and Santander. I happened to do a free search for it on the Land Registry database and there are a couple of entries: one for freehold, another for leasehold under the matching property. 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 Littlehampton and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with buyers. You can also enquire as to the position with the conveyancing practitioner who conducted the purchase.
Due to the input of my in-laws I had a survey completed on a property in Littlehampton before appointing solicitors. I have been told that there is a flying freehold aspect to the property. Our surveyor advised that some banks tend not give a loan on such a house.
It depends who your proposed lender is. HSBC has different requirements from Nationwide. If you call us we can look into this further with the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Littlehampton. Conveyancing will be smoother if you use a solicitor in Littlehampton especially if they are acquainted with such properties in Littlehampton.
What does commercial conveyancing in Littlehampton cover?
Littlehampton conveyancing for business premises covers a broad array of services, supplied by qualified solicitors, relating to business premises. By way of example, this area of conveyancing can cover the sale or purchase of freehold business premises or, more usually, the transfer of existing business tenancies 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 leases.
I have noted on a number of online forums that before selecting a conveyancing solicitors they must be approved by your lender. This is my first home move but I have an AIP via HSBC and I already have a family conveyancing solicitor in Littlehampton at the ready. Does Nat West Bank insist on an approved conveyancer to be selected? If so, where do I find that list so I can appoint a conveyancing lawyer in Littlehampton?
You should choose a solicitor that is on the Nat West Bank panel. Just ring your chosen Littlehampton conveyancing solicitor and ask if they are on the Nat West Bank panel. If they are not approved you have numerous choices available to you here:
- Carry on with your existing Littlehampton property lawyer but Nat West Bank will need to retain a conveyancing practitioner from their approved panel. The net impact is additional cost together with potential interruption.
- Appoint a new property lawyer to conduct the conveyancing, ensuring that they are on the Nat West Bank conveyancing panel.
- Convince your conveyancer to do everything within their powers to get listed on the Nat West Bank panel of solicitors.