I am obtaining a mortgage offer from Halifax. I would like to employ the services of a Licensed Conveyancer in Bardsley. Does the Halifax Solicitor panel allow for Licensed Conveyancers?
The Halifax approved solicitor list is, like many other lenders, represented by the CML or BSA, open to Licensed Conveyancers regulated by the CLC.
What does my ID and proof of funds have anything to do with my conveyancing in Bardsley? Is this really warranted?
In order to comply with Money Laundering Regulations any Bardsley conveyancing firm will require evidence of your identity in all conveyancing matters. This is normally satisfied by provision of a passport and an original bank statement or utility account showing your correct address.
In accordance with Money Laundering Regulations, conveyancers are obliged by law to investigate not only the identity of conveyancing clients but also the source of fund that they receive in respect of any matter. An unwillingness to disclose this may lead to your conveyancer ending their relationship with you, as clearly this will cause a conflict between the set Regulations and a refusal to disclose.
Your conveyancers are duty bound to notify the appropriate authorities should they consider that any amounts received by them may contravene the Anti-terror and anti-money-laundering rules.
is it true that all Bardsley solicitors on the Bank of Ireland conveyancing panel are regulated by the SRA?
As a firm of solicitors, in order to be on the Bank of Ireland conveyancing panel they would need to be governed by the Solicitors Regulatory Authority. Many lenders do allow licenced conveyancers on their panel in which case such firms would be regulated by the CLC.
We previously selected solicitors located in Bardsley on the TSB solicitor approved list. They are now charging me a separate fee for the legal aspects of the TSB mortgage. Is this an additional conveyancing fee set by TSB?
Unfortunately, as long as it is in their Terms of Engagement or estimate then yes your conveyancing practitioner may levy a fee for this. This fee is not dictated by TSB but by your Bardsley solicitor. Some firms on the TSB panel will charge an ‘acting for lender’ fee but many practices incorporate it on their overall fee.
My wife and I are spending time viewing houses in Bardsley and I am about to put in an offer. Is it premature to have a solicitor in place? I will be getting a home loan with Skipton.
You should start obtaining conveyancing estimates from solicitors ASAP. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their contact information on to the EA. Given that you are seeking a mortgage with Skipton, make sure you remember to check that your lawyer is on the Skipton conveyancing panel.
Is it necessary to pay for insurance to protect me from financial exposure to chancel repairs when purchasing a house in Bardsley?
Unless a prior acquisition of the premises took place post 12 October 2013 you can expect conveyancing practitioners conducting conveyancing in Bardsley to remain encouraging a chancel search and or insurance against a claim.
I need to find a conveyancing solicitor for residential conveyancing in Bardsley. I've discover a site which seems to have the perfect offering If there is a chance to get all this stuff completed via email that would be ideal. Should I be concerned? What are the potential pitfalls?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?
Are all Bardsley conveyancers on every lender conveyancing panel?
The Lexsure search tool on this page may be of use or you can pop into your local bank branch in Bardsley. Chances are that they will know some good conveyancing solicitors in Bardsley