We are getting closer to an exchange on a flat in Waterlooville and my mum and dad have sent the ten percent deposit to my property lawyer. I am now informed that as the deposit has been received from someone other than me my property lawyer needs to make a notification to my lender. I am advised that, in also acting for the bank he must advise them that the balance of the purchase price is coming from anyone other than me. I disclosed to the bank regarding my parents' contribution when I applied for the home loan, so is it really necessary for this now to delay the deal?

The lawyer is legally required to check with lender to make sure that they know that the balance of the purchase price is not from your own resources. The solicitor can only report this to your bank if you permit them to, failing which, your lawyer must cease to continue acting.

In what way does my ID and proof of funds have anything to do with my conveyancing in Waterlooville? Why is this being asked of me?

To satisfy the Money Laundering Regulations any Waterlooville conveyancing firm will require proof of identity in all conveyancing matters. This is normally dealt with by provision of a passport and an original bank statement or utility bill evidencing your correct address.

In accordance with Money Laundering Regulations, conveyancing solicitors are required to ascertain not simply the identity of conveyancing clients but also the origin of the money that they receive in respect of any matter. An unwillingness to disclose this will result in your solicitor ending their relationship with you, as clearly this will cause a conflict between the set Regulations and a refusal to disclose.

Your property lawyers are duty bound to make a disclosure to the relevant authorities should they consider that any monies received by them may contravene the Money Laundering Regulations.

I am assisting my mother sell her house in Waterlooville. Does the conveyancer arrange the EPC or it is for me to coordinate?

After the demise of HIPs, energy assessments was kept a compulsory element of selling a house. An energy assessment should be to hand before the property is placed on the market. This is not something that solicitors ordinarily organise. If you are using a Waterlooville conveyancing lawyer they may be willing to arrange energy assessments given their relationships with reputable local assessors

Is it the case that all Waterlooville solicitor practices on the TSB conveyancing panel are governed by the SRA?

As solicitors, in order to be on the TSB approved list of solicitors they would need to be governed by the Solicitors Regulatory Authority. Some mortgage companies do list licenced conveyancers on their panel in which case such organisation would be regulated by the CLC.

I am due to exchange contracts on my house. I had a double glazing fitted in December 2008, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, Co-operative are being problematic. The Waterlooville solicitor who is on the Co-operative conveyancing panel is saying indemnity insurance will be fine but Co-operative are requiring a building regulation certificate. Why do Co-operative have a conveyancing panel if they don't accept advice from them?

It is probably the case that Co-operative have referred the matter to their valuer. The reason why Co-operative may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.

Just had an offer accepted on a new build flat in Waterlooville. Conveyancing is necessary evil 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 conveyancing.

Here are examples of a few leasehold new build enquiries that you can expect your new-build leasehold conveyancing in Waterlooville

Please supply evidence that the form of Lease proposed has been approved by the Land Registry. Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified. If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal. Please confirm the Lease plans are surveyor prepared. There must be mutual enforceability of lessee’s covenants.

What can I do to discover who is the owner of a property in Waterlooville?

As long as the premises is recorded at the Land Registry, and you have requisite details of the location of the property, you will be able to obtain details from the the Land Registry of the recorded proprietor for a fee.