In what way does my ID and proof of funds have anything to do with my conveyancing in Stone Cross? Why is this being asked of me?
It is indeed that case that these requests have nothing to do with conveyancing in Stone Cross. However these days you can not complete any conveyancing deal in the absence handing over proof of your identity. This usually takes the form of a either your passport or driving licence plus a council tax bill. Please note that if you are providing your driving licence as proof of identification it needs to be both the paper element as well as the photo card part, one is not sufficient in the absence of the other.
Evidence of the origin of funds is necessary in accordance with the Money Laundering Regulations. You should not be offended when you are asked to produce this as your conveyancer must retain this information on record. Your Stone Cross conveyancing solicitor will require evidence of proof of funds before they are able to accept any money from you into their client account and they should also ask additional questions regarding the origin of funds.
I am selling my house in Stone Cross. Does the property lawyer have to be required to be on the Kent Reliance conveyancing panel in order to deal with the discharge of my mortgage?
Ordinarily, even if your lawyer is not on the Kent Reliance conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their specifications fairly frequently in recent years.
I am due to move home in March. Will my conveyancing solicitor communicate with the removal company on the day of completion. Incidentally, can you recommend a removal company in Stone Cross. Conveyancing solicitor was organised before I stumbled across this site.
On the afternoon of completion you can collect the keys from the selling agent however this should only occur once the vendors conveyancers confirm to the agent that they have the completion monies and the keys can be collected. You will need to tell the removal company that you are ready to move in. As a matter of policy we do not recommend a specific removal company but can assist you in choosing a conveyancing in Stone Cross or a legal practice with expertise in conveyancing in Stone Cross.
My fiancee and I are in the throws of looking at apartments in Stone Cross and I am about to put in an offer. Is it premature to have a solicitor in place? I am planning to take a mortgage with Aldermore.
It would be sensible to start your search sooner rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their details on to the EA. Given that you are getting a mortgage with Aldermore, ask your prospective lawyers if they are on the Aldermore conveyancing panel otherwise they can't do the mortgage legal work.
I have decided to exercise my right to buy my property in Stone Cross off the council. I have a mortgage offer with Aldermore. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Aldermore, you will need to appoint a solicitor on the Aldermore conveyancing panel.
A friend advised me that if I am purchasing in Stone Cross I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is occasionally quoted for as part of the standard Stone Cross conveyancing searches. It is a large document of about 40 pages, listing and detailing important information about Stone Cross around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Local Education with plans and statistics, Local Amenities and other useful information about Stone Cross.
Are there restrictive covenants that are commonly identified as part of conveyancing in Stone Cross?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Stone Cross. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
How does conveyancing in Stone Cross differ for new build properties?
Most buyers of new build property in Stone Cross contact us having been asked by the developer to exchange contracts and commit to the purchase even before the residence is completed. This is because house builders in Stone Cross typically purchase the land, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Stone Cross or who has acted in the same development.