My partner and I are buying our first house. Our lawyer has calledto enquire if we wish to order extra conveyancing searches. As novices we are clueless as to what's appropriate for conveyancing in Chesham Bois
The number and type of Chesham Bois conveyancing searches depends entirely on the premises, the location, the possibility of any of these risks, your knowledge of the area and risks, your general appetite to risk. What is important is that you properly comprehend what information the searches could give you. You may then decide if you personally think you need that information. Where you are uncertain, ask your lawyer to explain.
In what way does my ID and proof of funds have anything to do with my conveyancing in Chesham Bois? What am I being asked for?
Chesham Bois conveyancing solicitors as well as nationwide property practitioners accross the UK have an obligation under money laundering regulations to check the ID of any client with a view to ensure that clients are who they say they are.
Conveyancing clients will need to supply two forms of certified ID; proof of identity (typically a Passport or Driving Licence) and evidence of address (typically a Bank Statement no older than three months).
Confirmation of source of monies is also required in accordance with the money laundering laws as lawyers are mandated to investigate that the funds you are using to purchase a property (be it the exchange deposit or the full purchase monies if you are a cash purchaser) has come from legitimate source (such as an inheritance) and is not the proceeds of illegitimate behaviour.
There are numerous conveyancing solicitors in Chesham Bois but how do I know who I should use?
Do not opt for the lowest Chesham Bois conveyancing quote. You really do get what you pay for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you go into the conveyancing with your eyes wide open.
I am helping my step-mother sell her house in Chesham Bois. Will the conveyancing solicitor arrange the EPC or do I organise this?
After the demise of Home Information Packs, EPC’s was maintained a compulsory part of moving property. An energy performance certificate should be to hand in advance of the property being marketed. It is not as aspect of the sale process that lawyers ordinarily arrange. If you are instructing a Chesham Bois conveyancing practitioner they may help arrange energy performance certificates due to their contacts with reputable local accredited person
The formalities of my purchase has taken place for my property in Chesham Bois. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. How does one go about formally complaining?
All lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Team at head office. Ordinarily complaints to a lender are resolved very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
My wife and I purchased a terraced Georgian property in Chesham Bois. Conveyancing solicitor represented me and Bank of Ireland. I did a free Land Registry search last week and I saw a couple of entries: the first freehold, the second leasehold with the matching address. I thought I was buying a freehold how can I check?
You should assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Chesham Bois and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also check the position with the conveyancing practitioner who carried out the work.
How do I use the search tool to find a conveyancing solicitor in Chesham Bois on the panel for my bank?
1st choose a lender such as Santander, Coventry Building Society or TSB then type in your preferred area for example Chesham Bois. Conveyancing firms in Chesham Bois and beyond will then be identified.