In what way does my ID and proof of funds have anything to do with my conveyancing in Whitchurch? What am I being asked for?
Whitchurch conveyancing solicitors and indeed property lawyers throughout the UK have an obligation under money laundering regulations to check the ID of any client in order to ensure that clients are who they say they are.
Conveyancing clients will need to disclose two forms of certified ID; proof of identity (typically a Passport or Driving Licence) and evidence of address (usually a Utility Bill less than 3 months old).
Proof of source of funds is also necessary under the money laundering statutes as solicitors are mandated to ensure that the monies you are utilising to purchase a property (whether it be the deposit for exchange or the total purchase amount if you are a cash purchaser) has originated from an acceptable source (such as an inheritance) as opposed to the fruits of criminal behaviour.
I am buying a property and require a conveyancing solicitor in Whitchurch who is on the The Mortgage Works approved. Could you point me in the right direction as regards a conveyancing firm?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for The Mortgage Works in certain locations such as Whitchurch. We dont recommend any particular firm.
Do I choose a Licenced Conveyancer or Solicitor for conveyancing in Whitchurch?
There are two types of lawyers who can perform conveyancing in Whitchurch namely CLC regulated conveyancers or solicitors. The two can provide conveyancing services that required to complete the disposal or purchase of property. Both are duty bound to handle Whitchurch conveyancing on similar standards and guidelines so you can be safe in the knowledge that your conveyancing will be professionally administered and that the requisite procedures should be accurately adhered to.
I just bought a property at auction in Whitchurch. Conveyancing is necessary. What are my next steps?
Given that you are now exchanged you should appoint a conveyancing lawyer as a matter of urgency as you are faced with a tight a drop dead date to complete the conveyancing. Every auction property will have an associated auction set of papers. This will likely include the copy title deeds, local authority and drainage searches. Where you are dealing with leasehold premises the legal papers may contain a copy of the lease, management information and a sellers leasehold information form and other conveyancing documentation specific to leasehold premises. You must hand this to your appointed conveyancing solicitor as soon as possible. You also need to ensure that you have funds in order to complete the transaction on the set completion date.
Having digested plenty of mortgage guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Whitchurch solicitor - who is on the Barclays conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Barclays will need an independent valuation of the property. Your lawyer will not arrange this. Usually Barclays 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 lawyer 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 Whitchurch postcode. As you are getting a mortgage with Barclays, you could contact them to see if they have a list of approved surveyors in Whitchurch.
Just acquired a semi-detached house in Whitchurch , how long will it take for the Land Registry to register my title? My Whitchurch conveyancing solicitor works at snail pace, so I want to be sure the registration is concluded.
As far as conveyancing in Whitchurch is concerned, registration is no faster or slower than anywhere else in the country. As opposed to being determined by geographic area, timeframes can adjust subject to who lodges the application, whether it is in order and whether the Land registry must send notices to any interested persons or bodies. At present approximately 80% of submission are fully addressed within two weeks but occasionally there can be protracted delays. Registration takes place once the buyer is living at the property so an expedited registration is not always top priority but where it is urgent that the the registration takes place urgently then you or your lawyers can communicate with the Registry to express the reasoning for the application to be prioritised.
Yesterday I discovered that there is a flying freehold issue on a property I put an offer in last month in what was supposed to be a straight forward, chain free conveyancing. Whitchurch is where the house is located. Can you shed any light on this issue?
Flying freeholds in Whitchurch are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Whitchurch you would need to get your solicitor to go through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Whitchurch 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 property.
I'm remortgaging my primary house to a buy to let mortgage with Skipton Building Society and intend to use the remaining equity towards another property. The area we are interested in is Whitchurch. Will your solicitors be able to act for both sets of mortgage companies and tie in the transactions?
Make use of our search tool on this page to ensure that the conveyancers are approved by both mortgage companies. Having checked that they are your conveyancer should be able to simultaneously deal with the two conveyancing matters but you should talk with you solicitor and make apparent your desired outcome and requirements.