I am getting a mortgage offer from Nat West. My intention is to use a Licensed Conveyancer in Fulwood. Does the Nat West Solicitor panel exclude Licensed Conveyancers?

The Nat West conveyancing panel is, like many other lenders, associated to the CML or Building Society Association, open to Licensed Conveyancers regulated by the CLC.

In what way does my ID and proof of funds have anything to do with my conveyancing in Fulwood? Is this really necessary?

Anti-terror and anti-money-laundering regulations require solicitors and licensed conveyancers to check the ID of the potential client they are dealing with prior to agreeing to accepting their conveyancing instruction. The Terms and Conditions that you need to sign should stipulate this. Your lawyer also has obligations to obtain certain documents in accordance with the CML Lenders Handbook requirements last updated on 1st December 2014. Where you refuse to hand over ID verification documents, your solicitor would not be able to act for you.

I bought my house on 1 January and my personal details is not yet on the land registry website. Should I be concerned? My conveyancing solicitor in Fulwood expressed confidence that it should be concluded in less than a month. Are transfers in Fulwood uniquely lengthy to register?

There is nothing unique about conveyancing in Fulwood registration formalities. As opposed to being determined by geographic area, timeframes can adjust depending on who lodges the application, whether it is in order and if the Land registry must send notices to any other parties. As of today approximately 80% of submission are completed in less than three weeks but some can be subject to extensive hold-ups. Historically registration is effected after the buyer is living at the premises therefore registration formalities is not usually primary concern but where there is a degree of urgency associated with the registration then you or your lawyers should speak with the land registry and explain the circumstances.

I'm purchasing a new build house in Fulwood with the aid of help to buy. The sellers would not budge the amount so I negotiated five thousand pounds worth of fixtures and fittings instead. The estate agent suggested that I not to tell my solicitor about this extras as it may put at risk my loan with Barclays . Is this normal?.

All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.

Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.

Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.

I am looking into buying my first house which is in Fulwood and I am already nervous. I couldn't find anything specific about Fulwood. Conveyancing will be needed in due course but do you know about the Fulwood area? or perhaps some other tips you can share?

Rather than looking online forget looking online you should go and have a look at Fulwood. In the meantime here are some basic statistics that we found