What does my ID and proof of funds have anything to do with my conveyancing in Wareham? Why is this being asked of me?
Wareham conveyancing solicitors as well as nationwide property practitioners throughout the UK have a duty under money laundering regulations to check the identity of any client in order to satisfy themselves that clients are who they say they are.
Conveyancing clients will need to supply two forms of certified ID; proof of identity (usually a Passport or Driving Licence) and evidence of address (typically a Bank Statement less than 3 months old).
Proof of source of monies is also required in compliance with the money laundering laws as conveyancers are mandated to ensure that the money you are using to purchase a property (be it the exchange deposit or the total purchase price if you are buying without a mortgage) has originated from a reputable source (such as employment savings) rather than the product of illegitimate activity.
My aunt passed away 10 months ago and as sole heir and executor I was left the property in Wareham. The house had a relatively small loan left on it of around £5k. I want to have the title changed into my name whilst I re-mortgage to Coventry BS, pay off the mortgage. Is this allowed?
If you plan to re-mortgage then Coventry BS will insist on your using a conveyancer on the Coventry BS conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Coventry BS conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Coventry BS mortgage is registered as a charge at the Land Registry.
A friend pointed out to me me that in buying a property in Wareham there could be various restrictions prohibiting external alterations to the property. Is this right?
There are a number of properties in Wareham which have some sort of restriction or requirement of consent to carry out external changes. Part of the conveyancing in Wareham should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I am purchasing a property in Wareham. A rare aspect is that the roof has a solar panel. UBS have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that your lender is UBS your lawyer must check the formal instructions contained in Part 2 of UK Finance Lenders’ Handbook for UBS. The CML Handbook contains minimum specifications for solar panel roof-space leases, and conveyancing practitioners are required to report to UBS where a lease does not comply with these provisions. The requirements relate to the installation of panels on properties countrywide and is not restricted to Wareham.
I had an offer accepted on a property in Wareham on 31/3/2025, valuation was booked five days after, received a clean bill of health. Property lawyer retained, so the only thing outstanding was my mortgage offer. Having made daily calls to Barclays and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Barclays conveyancing panel. Are Barclays entitled to hold back the Mortgage pending the lawyer being on the approved list?
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Barclays to deal with your lawyer's application to be on the Barclays conveyancing panel. There's no guarantee that your solicitor will be accepted.
Are there restrictive covenants that are commonly picked up during conveyancing in Wareham?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Wareham. 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…’
My business partner and I are intending to take over a lease of a shop on the high street. Can you recommend conveyancers offering no-move-no charges for commercial conveyancing in Wareham for less than £2000?
We can recommend firms who have an in-depth of experience of commercial conveyancing in Wareham, including the sale and acquisition of businesses as well as simply property. Whether you are intending to acquire or lease a shop, pub, restaurant, office, retail unit or a complete business we will find you the right lawyer. As for the fees these will vary based on the structure and heads of terms of the deal. Let us have your details or email us so that we may provide you with comprehensive commercial conveyancing calculation.
We are one month into a residential purchase having been directed to a firm by the estate agent to carry out the conveyancing in Wareham. I am not happy. Could you you assist me in finding new conveyancers?
They would need to be very poor in order to consider replacing them. Has your mortgage been issued? If so you need to advise them of the new conveyancer and have the loan are issued to the new lawyers. The solicitor ideally needs to be on the banks panel to avoid escalating fees and complications. That should be your starting point. The find a solicitor tool should help you find a bank approved lawyer for your home move in Wareham