I have just been advised by my mortgage broker that my Lingfield lawyer is not on the bank Conveyancing panel. How can I check?
The first thing you need to do is to call your Lingfield lawyer directly. You lawyer should advise you what has happened. If they are not on the panel they could put your in touch with solicitors on the conveyancing panel for your lender.
What does my ID and proof of funds have anything to do with my conveyancing in Lingfield? Why is this being asked of me?
Lingfield conveyancing solicitors and indeed property practitioners throughout the UK have an obligation under Anti-terror and anti-money-laundering rules to check the ID of any client in order to ensure that clients are who they say they are.
Conveyancing clients are required to supply two forms of certified identification; proof of ID (typically a Passport or Driving Licence) and proof of address (typically a Bank Statement no more than three months).
Evidence of the origin of monies is also required under the money laundering regulations as conveyancers are mandated to check that the monies you are using to acquire a property (whether it be the deposit for exchange or the full purchase amount if you are buying without a mortgage) has come from a reputable source (such as an inheritance) and is not the proceeds of illegitimate activity.
Despite weeks of looking the Title Certificate and documents to our house can not be found. The lawyers who conducted the conveyancing in Lingfield 4 years ago have long since closed. What are my next steps?
Nowadays there are copies made of almost everything, and your lawyer will be aware precisely where to locate all the suitable paperwork so you may buy or dispose of your property without any difficulty. Where copies are not available, your solicitor may be able to put in place insurance or indemnities protecting you against possible claims on the premises.
Due to the encouragement of my in-laws I had a survey completed on a property in Lingfield ahead of retaining solicitors. I have been informed that there is a flying freehold element to the property. Our surveyor advised that some banks tend refuse to give a loan on such a house.
It varies from the lender to lender. Lloyds has different requirements for example to Birmingham Midshires. If you call us we can check with the relevant lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Lingfield. Conveyancing will be smoother if you use a solicitor in Lingfield especially if they regularly deal with such properties in Lingfield.
In my capacity as executor for the will of my aunt I am selling a property in Cardiff but reside in Lingfield. My lawyer (who is 235 miles from mehas requested that I sign a stat dec ahead of completion. Could you suggest a conveyancing lawyer in Lingfield who can attest this legal document for me?
strictly speaking you are unlikely to be required to have the documents witnessed by a conveyancing solicitor. Normally any notary public or solicitor will be fine regardless of whether they are Lingfield based