I am hoping to receive a mortgage offer from Santander. My intention is to instruct a Licensed Conveyancer in Malvern. Does the Santander Solicitor panel allow for conveyancers regulated by the CLC?

The Santander approved solicitor list is, like many other lenders, associated to the Council or Mortgage Lenders or BSA, open to Licensed Conveyancers regulated by the CLC.

What does my ID and proof of funds have anything to do with my conveyancing in Malvern? What am I being asked for?

It is indeed that case that these requests have nothing to do with conveyancing in Malvern. However these days you can not proceed with any conveyancing transaction without first handing over evidence of your identity. This usually takes the form of a either your passport or driving licence as well as a council tax bill. Remember if you are providing your driving licence as evidence of identification it needs to be both the paper element as well as the photo card part, one is not sufficient without the other.

Proof of your origin of monies is necessary in accordance with the Money Laundering Regulations. Don’t be offended when you are asked to produce this as your conveyancer will need to retain this information on record. Your Malvern conveyancing lawyer will need to see evidence of proof of funds before they are able to accept any money from you into their client account and they may also ask additional questions concerning the origin of monies.

I opted to have a survey carried out on a house in Malvern before appointing solicitors. I have been advised that there is a flying freehold overhang to the house. My surveyor has said that some banks may not issue a loan on this type of home.

It varies from the lender to lender. Santander has different requirements from Halifax. If you call us we can look into this further via the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Malvern. Conveyancing may be slightly more expensive based on your lender's requirements.

I need to retain a conveyancing solicitor for freehold conveyancing in Malvern. I have land on a site which looks to be the ideal offering If it is possible to get all the legals completed via phone that would be preferable. Do I need to be wary? What are the potential pitfalls?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?

I would be grateful if you could clarify what options are open to me where my Malvern conveyancing searches shows negative entries?

Ordinarily, most adverse entries revealed in Malvern conveyancing search results can be addressed in advance of completion or title insurance could possibly be put on cover. It is important to note that regardless of the fact that you intend on buying the property and might be willing to accept the search results, your building society or bank may not, and ultimately they have the final say.