What does my ID and proof of funds have anything to do with my conveyancing in Hale? Is this really warranted?

It is indeed that case that these requests have nothing to do with conveyancing in Hale. Nowadays you will not be able to complete any conveyancing process in the absence providing evidence of your identity. Ordinarily this takes the form of a either your passport or driving licence as well as a council tax bill. Please note that if you are providing your driving licence as evidence of identification it must be both the paper section as well as the photo card part, one is not acceptable without the other.

Proof of your source of funds is mandated under Money Laundering Regulations. Please do not be offended when you are asked to produce this as your lawyer will need to retain this information on record. Your Hale conveyancing solicitor will need to see evidence of proof of funds prior to accepting any money from you into their client account and they will also ask additional questions concerning the source of monies.

I'm buying a new build house in Hale benefiting from help to buy. The builders would not budge the amount so I negotiated £7000 of fixtures and fittings instead. The sale representative told me not inform my solicitor about the side-deal as it may adversely affect my mortgage with the bank. 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 have been on the look out for a flat up to £245,000 and found one close by in Hale I like with a park and station in the vicinity, the downside is that it's only got 52 years on the lease. I can't really find anything else in Hale in this price bracket, so just wondered if I would be making a grave error purchasing a lease with such few years left?

Should you need a mortgage the remaining unexpired lease term will be an issue. Reduce the price by the anticipated lease extension will cost if it has not already been discounted. If the current proprietor has owned the property for a minimum of twenty four months you could request that they commence the lease extension formalities and then assign it to you. You can add 90 years to the current lease term with a zero ground rent applied. You should consult your conveyancing solicitor concerning this matter.

I'm refinancing my primary home to a buy to let mortgage with Accord Mortgages Ltd and intend to use the remaining equity towards further house. The neighborhood we are interested in is Hale. Will your solicitors be able to act for both sets of mortgage companies and link together the two deals?

Make use of our comparison tool on this page to be sure that the conveyancers are on the relevant lender panels. On the basis that they are the conveyancer should be able to connect the two deals but you should talk with you conveyancer and specify your desired outcome and requirements.

I am one month into a leasehold purchase having been recommend to solicitors by the estate agent to do our conveyancing in Hale. I am not happy. Could you help me find new solicitors?

They would have to be very poor in order to consider replacing them. Has your mortgage offer been issued? If so you need to make them aware of the replacement conveyancer and have the loan are re-sent. The solicitor ideally needs to be on the banks approved list to avoid escalating expenses and delays. So that should be your starting point. The find a solicitor tool will help you find a bank approved conveyancer for your home move in Hale