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

It is indeed that case that these requests have nothing to do with conveyancing in Longbenton. However these days you can not proceed with any conveyancing process if you have not providing proof of your identity. Ordinarily this takes the form of a either your passport or driving licence as well as a utility bill. Please note that if you are supplying your driving licence as evidence of identification it needs to be both the paper section and photo card part, one is not acceptable without the other.

Proof of your source of funds is necessary in accordance with the Money Laundering Regulations. You should not be offended when when this is requested of you as your lawyer will need to retain this information on record. Your Longbenton conveyancing lawyer will need to see evidence of proof of funds prior to accepting any funds from you into their client account and they may also ask additional queries regarding the source of funds.

My wife and I purchasing a victorian detached house in Longbenton. The intention is to carry out a loft conversion at the house.Will the conveyancing process include checks to determine if these alterations were previously refused?

Your solicitor will check the registered title as conveyancing in Longbenton can sometimes reveal restrictions in the title deeds which restrict certain changes or need the permission of a 3rd party. Some additions need local authority planning permissions and approval in compliance with building regulations. Some areas are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. It would be prudent to check these issues with a surveyor prior to committing yourself to a purchase.

The formalities of my remortgage has taken place for my property in Longbenton. Conveyancing was a necessary evil but I would like to complain about the lender. How do I make a complaint?

All lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Department at head office. Ordinarily complaints to a lender are resolved effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.

Planning on purchasing a house in Longbenton. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Leeds Building Society conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.

They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Longbenton lawyer is on the Leeds Building Society conveyancing panel.

I'm buying my first flat in Longbenton with a mortgage from HSBC Bank. The builders refused to reduce the price so I negotiated five thousand pounds worth of extras instead. The property agent advised me not to tell my lawyer about the side-deal as it may put at risk my loan 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.

Over the last few months I have been searching for a leasehold apartment up to £305k and identified one close by in Longbenton I like with a park and transport links in the vicinity, the downside is that it's only got 49 years on the lease. I can't really find anything else in Longbenton suitable, so just wondered if I would be making a grave error acquiring a lease with such few years left?

If you require a home loan the shortness of the lease may be problematic. Reduce the price by the amount the lease extension will cost if it has not already been discounted. If the current proprietor has owned the premises for at least 2 years you could request that they commence the lease extension formalities and pass it to you. You can add 90 years to the current lease and have £0 ground rent by law. You should consult your conveyancing solicitor about this.

I'm refinancing my primary home to a BTL mortgage with Alliance & Leicester and I will use the rest of the raised equity as a down payment on a second house. The area we are talking about is Longbenton. Will your solicitors be able to act for the two banks and tie in the conveyances?

Make use of our comparison tool on this page to check that the lawyers are approved by both banks. On the basis that they are the lawyer will be able to connect the two conveyancing matters but you should talk with you solicitor and communicate your expectations and requirements.