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

You are right in the requirement set out by your lawyer has nothing to do with conveyancing in Sevenoaks. However these days you will not be able to complete any conveyancing deal without first providing proof of your identity. Ordinarily this takes the form of a either your passport or driving licence and a bank statement. Remember if you are supplying your driving licence as evidence of identification it needs to be both the paper element and photo card part, one is not acceptable without the other.

Verification of the source of funds is required under Money Laundering Regulations. Please do not be offended when when this is requested of you as your conveyancer will need to retain this information on record. Your Sevenoaks conveyancing lawyer will need to see evidence of proof of funds prior to accepting any monies from you into their client account and they will also ask further questions regarding the source of funds.

Despite weeks of looking the Title Certificate and documents to our home can not be found. The lawyers who conducted the conveyancing in Sevenoaks 5 years ago have long since closed. What do I do?

Assuming you have a registered title the information relating to your ownership will be retained by HMLR with a Title Number. It is possible to perform a search at the Land Registry, find your property and get up to date copies of the Registered Entries for a small fee. If the title is Leasehold then the Land Registry will also normally retain a certified duplicate of the Registered Lease and again, a copy can be retrieved for twenty pounds.

I am buying my first flat in Sevenoaks with a loan from . The sellers would not reduce the price so I negotiated five thousand pounds worth of extras instead. The property agent told me not to tell my solicitor about the extras as it may put at risk my loan with the lender. 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.

Over the last few months I have been searching for a leasehold apartment up to £195,000 and identified one round the corner in Sevenoaks I like with open areas and railway links in the vicinity, however it's only got 52 years unexpired on the lease. There is not much else in Sevenoaks suitable, so just wondered if I would be making a mistake buying a lease with such few years left?

If you require a home loan the shortness of the lease will be problematic. Discount the offer by the expected lease extension will cost if not already taken into account. If the current owner has owned the property for at least 2 years you may ask them to start the process of the extension and pass it to you. An additional ninety years can be extended on to the current lease and have £0 ground rent by law. You should consult your conveyancing solicitor about this.

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At this site secure an accurate costs illustration via a Solicitor or Licensed Conveyancer that appreciates the nuances for your conveyancing in Sevenoaks. As opposed to estate agents and brokerage sites we do not have kick-back deals with solicitors. A large number of agents and online brokers 'recommend' solicitors that pays the most commission, as opposed to the best value conveyancing in Sevenoaks