In what way does my ID and proof of funds have anything to do with my conveyancing in High Peak? What am I being asked for?
High Peak conveyancing solicitors as well as nationwide property lawyers accross the UK have a duty under money laundering regulations to verify the identity of any client with a view to ensure that clients are who they say they are.
Conveyancing clients will need to produce two forms of certified ID; proof of ID (usually a Passport or Driving Licence) and evidence of address (usually a Bank Statement no older than three months).
Proof of the origin of monies is also required under the money laundering statutes as conveyancers are obliged to ensure that the money you are utilising to purchase a property (whether it be the deposit for exchange or the total purchase price where you are a cash purchaser) has originated from a reputable source (such as an inheritance) and is not the product of illegitimate activity.
I just bought a property at auction in High Peak. Conveyancing is needed. What is next?
Given that you have now legally bound yourself to purchase you will need to appoint a conveyancing practitioner quickly as you will have a pending a fixed date to complete the transaction. An auction property should have a bespoke auction set of papers. This will likely include most,if not all of the documents that your lawyer requires. If you have purchased leasehold premises the auction pack should contain a copy of the lease, management information and a sellers leasehold information form and associated conveyancing paperwork pertinent to leasehold premises. You should pass this on to your appointed conveyancing solicitor as soon as possible. You also need to ensure that your finances are organised to complete the transaction on the set completion date.
I am expecting a DIP from Lloyds this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Lloyds recommend any High Peak solicitors on the Lloyds conveyancing panel, or is it better to go independently?
You will need to appoint High Peak solicitors independently although you'll need to choose one on the Lloyds conveyancing panel. The solicitor represents both you and Lloyds through the process.
I have instructed a High Peak conveyancer having made sure that they are on the Lloyds conveyancing panel. Does my lawyer arrange the survey of the property?
Lloyds will need an independent valuation of the property. Your lawyer will not arrange this. Usually Lloyds will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your conveyancing practitioner will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your High Peak postcode. As you are getting a mortgage with Lloyds, you could contact them to see if they have a list of approved surveyors in High Peak.
My wife and I own a terraced Edwardian house in High Peak. Conveyancing solicitor acted for me and HSBC Bank. I did a free Land Registry search last week and there are two entries: one for freehold, another for leasehold under the exact same property. If a house is not a freehold shouldn't I have been informed?
You need to read 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 High Peak and other locations in the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with purchasers. You can also enquire as to the position with your conveyancing practitioner who conducted the purchase.
I'm remortgaging my current home to a buy to let mortgage with TSB and intend to use the remaining equity as a deposit on a second property. The location we are looking at is High Peak. Will your conveyancers be able to act for the two banks and tie in the two deals?
Do use our comparison tool on this page to be sure that the conveyancers are on the appropriate lender panels. Having checked that they are your conveyancer should be able to connect the two deals but you should talk with you lawyer and communicate your desired outcome and requirements.
I am looking for a conveyancing practitioner in High Peak for my remortgage. Can I see a firm’s complaints history with the legal regulator?
Members of the public may read published Solicitor Regulator Association (SRA) decisions arising from inquisitions from 2008 onwards. Visit Check a solicitor's record. To find records about the period before 1 January 2008, or to check a firm's history, phone 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For non-uk callers, call +44 (0)121 329 6800. The regulator sometimes recorded call for training purposes.
For various reasons I am unable to travel my High Peak conveyancing solicitors office to sign documents connected to my conveyancing in High Peak – will this be an issue?
You need not be concerned. High Peak conveyancing solicitors can undertake conveyancing transactions for clients from a distance. You are unlikely to be required to visit a High Peak conveyancers office. They can undertake everything using post, email, telephone and fax.