What does my ID and proof of funds have anything to do with my conveyancing in Cinderford? Why is this being asked of me?

Anti-terror and anti-money-laundering laws require solicitors and licensed conveyancers to verify the ID of the person or body they are dealing with before they can accept their conveyancing business. The Client Care letter that you are required to sign will no doubt reaffirm this. Your lawyer also has obligations to obtain certain documents in accordance with the CML Lenders Handbook requirements last updated on 1st December 2014. If you refuse to hand over ID verification documents, your conveyancer would not be able to accept instructions from you.

I am looking to buy a house and require a conveyancing solicitor in Cinderford who is on the Godiva Mortgages Ltd conveyancing. Can you recommend a local solicitor?

Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Godiva Mortgages Ltd in certain locations such as Cinderford. We dont recommend any particular firm.

A colleague recommended that where I am purchasing in Cinderford I should ask my conveyancer to carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?

This is a search is usually quoted for as part of the standard Cinderford conveyancing searches. It is a large report of more than thirty pages, listing and setting out significant information about Cinderford around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Cinderford Education with maps and statistics, Local Amenities and other useful information about Cinderford.

My wife and I purchased a 4 bedroom Georgian property in Cinderford. Conveyancing practitioner acted for me and Bank of Ireland. I did a free Land Registry search last week and I saw a couple of entries: one for freehold, the second leasehold under the exact same address. If a house is not a freehold shouldn't I have been informed?

You should assess the Freehold register you have again and check the Charges Register as there may be 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 Cinderford and other locations in the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also question the situation with the conveyancing solicitor who carried out the work.

I'm purchasing my first flat in Cinderford with the aid of help to buy. The sellers refused to move on the price so I negotiated £7000 of additionals instead. The sale representative advised me not reveal to my solicitor about the deal as it will affect my loan with the bank. Do I keep my lawyer in the dark?.

All lenders require a Disclosure of Incentives Form from the builder 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.