I am purchasing a maisonette in Chathill. My Solicitor is not listed on the bank approved list. Am I still permitted to continue with my Chathill conveyancing solicitor even though they are excluded from the lender approved list?
One will need to instruct a lawyer to complete the legal work required when you require a mortgage to buy your home. The conveyancing practitioner will conduct all the appropriate due diligence on the property, ensuring that you’re registered as proprietor and ensure that all the required mortgage paperwork is in order. You could appoint a Chathill conveyancing practitioner of your choosing. Nevertheless, where the solicitor appointed is not a member of the mortgage company approved list additional charges will be incurred as separate legal representation will be required by them. Bank panel applications can be submitted, so where your conveyancer has not historically 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 Chathill? Why is this being asked of me?
Chathill conveyancing solicitors as well as nationwide property lawyers accross the UK have an obligation under money laundering regulations to check the identity of any client with a view to satisfy themselves that clients are who they say they are.
Conveyancing clients will need to disclose two forms of certified identification; proof of ID (usually a Passport or Driving Licence) and proof of address (typically a Utility Bill less than 3 months old).
Confirmation of the origin of funds is also necessary under the money laundering regulations as conveyancers are duty bound to ensure that the money you are using to acquire a property (whether it be the deposit for exchange or the total purchase amount where you are a cash purchaser) has come from a reputable source (such as employment savings) as opposed to the product of illegitimate activity.
I am purchasing a flat and require a conveyancing solicitor in Chathill who is on the Platform Home Loans Ltd approved. Could you point me in the right direction as regards a solicitor?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Platform Home Loans Ltd in certain locations such as Chathill. We dont recommend any particular firm.
I used Wolstenholmes a few years ago for my conveyancing in Chathill. I now require my file however cannot find the solicitor. What do I do?
Do contact the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Chathill of the conveyancing firm of solicitors you previously retained, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
Yesterday I discovered that there is a flying freehold issue on a property I have offered on two weeks back in what was supposed to be a simple, chain free conveyancing. Chathill is where the house is located. Is there any guidance you can impart?
Flying freeholds in Chathill are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Chathill you must be sure that your lawyer goes 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 Chathill 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 premises.
What can I do where I am dissatisfied with the lawyer who carried out my conveyancing in Chathill?
Occasionally the level of service you receive is not as you expect, and is is a fact of life that every so often things do go wrong. Nevertheless there is recourse if you were unhappy with your conveyancing in Chathill. This varies from trying to resolve matters directly with them, through to reporting a conveyancing practitioner to their governing body. If things still aren’t resolved you may consider getting in touch with the Legal Ombudsman.