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

It is indeed that case that the requirement set out by your solicitor has nothing to do with conveyancing in Ham. However these days you will not be able to proceed with any conveyancing deal in the absence providing evidence of your identity. Ordinarily this takes the form of a either your passport or driving licence and a council tax bill. Remember if you are providing your driving licence as proof of ID it must be both the paper section and photo card part, one is not acceptable without the other.

Verification of the origin of monies is necessary under Money Laundering Regulations. Please do not be offended when when this is requested of you as your conveyancing solicitor must have this information on record. Your Ham 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 regarding the origin of monies.

I have been recommended a conveyancing solicitor in Ham. I need to find out if they are on the Lloyds TSB Bank conveyancing panel. Could you help?

The first thing to do is contact your solicitor and enquire if they are on the lender panel. Alternatively you should get in touch with Lloyds TSB Bank who may be able to confirm.

What can a local search inform me regarding the house we're buying in Ham?

Ham conveyancing often starts with the submitting local authority searches directly from your local Authority or through a personal search company such as PSG The local search plays a central role in many a Ham conveyancing purchase; that is if you wish to avoid any nasty once you have moved into your new home. The search should supply information on, amongst other things, details on planning applications applicable to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen subject sections.

I'm purchasing my first flat in Ham with a mortgage from Barclays Direct. The builders refused to budge the price so I negotiated £7000 of fixtures and fittings instead. The sale representative suggested that I not reveal to my lawyer about the side-deal as it would put at risk my loan with Barclays Direct. Should I keep quiet?.

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.

My husband and I are 3 weeks into a freehold purchase having been recommend to a firm by the local agent to carry out the conveyancing in Ham. I am not happy. Could you you assist me in finding new conveyancers?

They would need to be very bad to suggest changing them. Has your mortgage offer been issued? In the event that it has you must advise them of the new contact details and have the offer are re-issued. Your new conveyancer needs to be on the mortgage company panel to avoid added costs and frustration. That should be your starting point. The search tool will assist you in finding a bank approved solicitor for your conveyancing in Ham