I am buying residence in Burton upon Trent. My lawyer is not on the bank conveyancing panel. Can I still continue with my Burton upon Trent conveyancing solicitor even though they are excluded from the lender panel?
You must have a conveyancer to complete the formalities if you require a loan to buy your property. The property lawyer will carry out all the relevant investigations on the property, make sure that you’re registered as proprietor and ensure that all the necessary mortgage documentation is dealt with. One may instruct a Burton upon Trent conveyancer of your choosing. However, where the conveyancer appointed is not on the mortgage company approved list additional charges will arise as separate legal representation will be need by the lender. Conveyancing panel applications can be submitted, so if your lawyer has not in the past sought membership they should take the opportunity to apply.
What does my ID and proof of funds have anything to do with my conveyancing in Burton upon Trent? Is this really necessary?
It is indeed that case that the requirement set out by your solicitor has nothing to do with conveyancing in Burton upon Trent. However these days you will not be able to proceed with any conveyancing process if you have not supplying evidence of your identity. Ordinarily this takes the form of a either your passport or driving licence as well as a utility bill. Remember if you are supplying your driving licence as proof of identification it needs to be both the paper part as well as the photo card part, one is not acceptable in the absence of the other.
Verification of your source of funds is necessary under Money Laundering Regulations. Please do not be offended when when this is requested of you as your lawyer will need to retain this information on file. Your Burton upon Trent conveyancing solicitor will require evidence of proof of funds before they are able to accept any funds from you into their client account and they may also ask additional questions regarding the source of funds.
My mortgage company has recommended a law firm on their panel based in Burton upon Trent but I would rather choose a conveyancing lawyer in Burton upon Trent or nearer to where I live. Are you able to help?
Not all Burton upon Trent conveyancing solicitors are listed all lender’s conveyancing panel. Please make use of the above search tool to choose a Burton upon Trent conveyancing conveyancer on the on the lender panel.
We are buying a 3 bedroom semi in Burton upon Trent. We would like to carry out an extension to the side at the house.Will the conveyancing process include investigations to see if these works are allowed?
Your solicitor will review the registered title as conveyancing in Burton upon Trent will occasionally identify restrictions in the title documents which restrict categories of changes or need the permission of a 3rd party. Some extensions require local authority planning permissions and approval in accordance building regulations. Certain locations are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. You should check these things with a surveyor prior to committing yourself to a purchase.
We expect to receive a AIP from Yorkshire BS this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Yorkshire BS recommend any Burton upon Trent solicitors on the Yorkshire BS conveyancing panel, or is it better to go independently?
You will need to appoint Burton upon Trent solicitors independently although you'll need to choose one on the Yorkshire BS conveyancing panel. The solicitor represents both you and Yorkshire BS through the process.
I am due to exchange contracts on my apartment. I had a double glazing fitted in April 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, HSBC are being difficult. The Burton upon Trent solicitor who is on the HSBC conveyancing panel is recommending indemnity insurance as a solution but HSBC are insisting on a building regulation certificate. Why do HSBC have a conveyancing panel if they don't accept advice from them?
It is probably the case that HSBC have referred the matter to their valuer. The reason why HSBC may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
I note that there are debates on Chancel Insurance on online forums. Am I compelled to take this when purchasing a residence in Burton upon Trent? or Apparently there is a law dating back centuries that could mean that house owners living in a parish church boundary may be liable to contribute towards repairs to the chancel in proximity to the church. Is this suitable for conveyancing in Burton upon Trent?
Unless a previous purchase of the property completed after 12 October 2013 you may expect lawyers delivering conveyancing in Burton upon Trent to continue to advocate a chancel search and or chancel repair liability policy.
I opted to have a survey done on a property in Burton upon Trent ahead of appointing lawyers. I have been told that there is a flying freehold aspect to the house. My surveyor has said that some lenders will refuse to issue a mortgage on a flying freehold home.
It varies from the lender to lender. HSBC has different requirements for example to Nationwide. If you e-mail us we can investigate further with the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Burton upon Trent. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Burton upon Trent to see if the conveyancing costs will increase in light of this.