In what way does my ID and proof of funds have anything to do with my conveyancing in Robertsbridge? Why is this being asked of me?
In order to comply with Money Laundering Regulations any Robertsbridge conveyancing firm will require evidence of your identity in all conveyancing transactions. This is usually dealt with by provision of a passport and an original bank statement or utility bill showing your correct address.
In accordance with Money Laundering Regulations, conveyancing solicitors are obliged by law to check not just the identity of conveyancing clients but also the origin of monies that they receive in respect of any matter. An unwillingness to disclose this will lead to your solicitor ending their retainer with you, as clearly this will cause a conflict between the set Regulations and a refusal to disclose.
Your property lawyers will have an obligation to notify the relevant authorities should they believe that any monies received by them may contravene the Anti-terror and anti-money-laundering rules.
Can you point me to a directory of Clydesdale panel solicitors in Robertsbridge on the Council of Mortgage Lender’s Website?
Unfortunately not yet. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. A small selection of lenders make their panel listings visible on the web. Where you are in need of a Robertsbridge property lawyer on the Clydesdale please use our tool.
I am currently in the process of buying my council flat in Robertsbridge. I have a mortgage agreed with Principality. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Principality, you will need to appoint a solicitor on the Principality conveyancing panel.
I was told three weeks ago that my mortgage has been agreed to by Bank of Ireland. Is it usual for Bank of Ireland to only issue the offer once my solicitor in Robertsbridge is approved on their conveyancing panel? Bank of Ireland have asked my solicitor to see a copy of their PI Insurance.
A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Bank of Ireland to deal with your lawyer's application to be on the Bank of Ireland conveyancing panel. There's no guarantee that your solicitor will be accepted.
A colleague advised me that if I am purchasing in Robertsbridge I should ask my conveyancer to perform a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
This is a search is occasionally included in the estimate for your Robertsbridge conveyancing searches. It is not a small report of more than thirty pages, listing and setting out important information about Robertsbridge 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, Local Education with plans and statistics, Local Amenities and other useful information concerning Robertsbridge.
I've recently found out that there is a flying freehold issue on a property I put an offer in last month in what should have been a quick, no chain conveyancing. Robertsbridge is where the house is located. Can you shed any light on this issue?
Flying freeholds in Robertsbridge are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Robertsbridge you must be sure that your lawyer goes through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Robertsbridge may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.
I have noted on various online forums that before selecting a conveyancing firm they must be approved by your bank. I am novice purchaser but I have an AIP with Birmingham Midhshires and I already have a bricks and morter conveyancing solicitor in Robertsbridge in place. Will HSBC insist on an approved lawyer to be instructed? If so, where do I find that list for my conveyancing in Robertsbridge?
You should choose a solicitor that is on the HSBC panel. Simply telephone your chosen Robertsbridge conveyancing lawyer and ask if they are on the HSBC panel. If they are not approved you have numerous choices available to you here:
- Carry on with your existing Robertsbridge conveyancer but HSBC will no doubt retain a conveyancer from their approved list. The net impact is additional cost together with potential frustration.
- Choose a fresh conveyancer to conduct the conveyancing, making sure they are on the HSBC conveyancing panel.
- Convince your property lawyer to do everything within their powers to get accepted on the HSBC conveyancing panel.