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

Tutbury conveyancing solicitors and indeed property practitioners accross the UK have a duty under money laundering regulations to verify the identity of any client with a view to satisfy themselves that clients are who they say they are.

Conveyancing clients are required to provide two forms of certified identification; proof of identity (typically a Passport or Driving Licence) and proof of address (usually a Bank Statement less than 3 months old).

Confirmation of the origin of monies is also necessary under the money laundering regulations as lawyers are required to check that the money you are using to purchase a property (whether it be the deposit for exchange or the full purchase price where you are a cash purchaser) has come from legitimate source (such as an inheritance) as opposed to the proceeds of criminal activity.

I happen to be the only beneficiary of my late father’s will with all property in now in my sole name, including the house in Tutbury. Conveyancing formalities meant that the Land Registry date was in June. I now wish to sell up. I understand that there is a CML 6 month 'rule', meaning my proprietorship will be considered the same way as if I'd bought the house in June. Do I have to wait 6 months to sell?

The CML handbook mandates solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you may be affected by that. Most mortgage companies would take a pragmatic view as this provision principally exists to identify the purchase and immediately sell or the quick reselling of properties.

We are getting a further advance on our home loan from Skipton as we want to conduct renovations to our house in Tutbury. Do we need to select a high street Tutbury solicitor on the Skipton conveyancing panel to handle the legals?

Skipton would not normally instruct a member of their conveyancing panel to handle such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Skipton conveyancing panel.

I can not work out if my bank requires a lease extension. I have called into my local Tutbury bank branch on numerous occasions and was told it wasn't an issue and they will lend. My Tutbury conveyancing solicitor - who is on the bank conveyancing panel- called to say that they refuse to lend based on their specific requirements. I have no idea who is right.

As long as the conveyancing practitioner is on the lender approved list, they must comply with the CML Handbook conditions for the bank. Unless your lawyer obtains specific confirmation in writing that the mortgage company will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the lender to contact your lawyer in writing confirming that they will accept the number of years remaining.

The estate agent has sent us the confirmation of our purchase of a new build apartment in Tutbury. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.

Here are examples of a selection of leasehold new build questions that you may expect your new-build leasehold conveyancing in Tutbury

Forfeiture - bankruptcy or liquidation must not apply under this provision. Please supply evidence that the form of Lease proposed has been approved by the Land Registry. Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? Please confirm the Lease plans are architect prepared.

My wife and I purchased a leasehold house in Tutbury. Conveyancing and Barclays mortgage organised. I have received a letter from someone saying they have taken over the reversionary interest in the property. It included a demand for arrears of ground rent dating back to 1997. The conveyancing solicitor in Tutbury who previously acted has now retired. Do I pay?

The first thing you should do is contact HMLR to be sure that the individual claiming to own the freehold is indeed the registered owner of the freehold reversion. There is no need to instruct a Tutbury conveyancing practitioner to do this as it can be done on-line for a few pound. Rest assured that regardless, even if this is the legitimate landlord, under the Limitation Act 1980 the limitation period for recovery of ground rent is six years.

Tutbury Leasehold Conveyancing - A selection of Queries Prior to Purchasing

How is the lease structured? Best to be warned whether redecorating or some other significant cost is anticipated that will be shared amongst the leaseholders and will dramatically increase the the service charges or require a one off payment. This question is helpful as a) areas can cause problems in the building as the common areas may begin to deteriorate if repairs are not paid for b) if the leaseholders have a dispute with the running of the building you will wish to have all the details

At what stage do I incur stamp duty due for my Tutbury flat purchase?

Your conveyancer will fill out a stamp duty return for you as part of your Tutbury purchase transaction for you to sign. On completion your lawyer will submit the STL application to the Inland Revenue and - as long as they have the funds - discharge any land tax payable on your behalf.