What does my ID and proof of funds have anything to do with my conveyancing in Willingham? What am I being asked for?

You are right in the requirement set out by your lawyer has nothing to do with conveyancing in Willingham. Nowadays you can not complete any conveyancing transaction if you have not handing over proof of your identity. Ordinarily this takes the form of a either your passport or driving licence and a utility bill. Please note that if you are supplying your driving licence as evidence of ID it must be both the paper element as well as the photo card part, one is not acceptable in the absence of the other.

Proof of the origin of monies is necessary in accordance with the Money Laundering Regulations. Please do not be offended when when this is requested of you as your conveyancing solicitor will need to have this information on record. Your Willingham conveyancing practitioner will require evidence of proof of funds before they are able to accept any money from you into their client account and they will also ask further questions regarding the source of monies.

My husband and I are spending time viewing apartments in Willingham and I am now considering a potential offer. Should I already have a conveyancing practitioner in place at this stage? I intend to finance via a mortgage with Santander.

It would be advisable to start your search sooner rather than later. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and forward their contact information on to the estate agent. Given that you are seeking a mortgage with Santander, ask your prospective lawyers if they are on the Santander conveyancing panel otherwise they can't do the mortgage legal work.

I have paid off my mortgage with HSBC. I assume I don't need a Willingham property lawyer on the HSBC panel to discharge the mortgage at the Land Registry. Am I right?

If you have finished paying off your HSBC mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the HSBC mortgage from the register. HSBC, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:

1. but are not moving to another property
2. where HSBC has sent the Land Registry the discharge electronically, and
3. HSBC has instructed the Land Registry to do so

Lloyds have agreed my home loan in principle, my bid on a flat in Willingham has been agreed to, what are the next steps?

Your property agent will need to be advised as to your lawyer's details (make sure the solicitors are on the bank’s approved list). Telephone Lloyds or the financial adviser and finalise any appropriate forms. Lloyds will instruct a valuer who will get in touch with the selling agent or seller to book a time for the valuation to happen. Once conducted (assuming no problems) it takes approximately a week to get a mortgage offer. Lloyds will issue the offer to you and your solicitors. The transaction will then take it’s course according the nature and complexity of the conveyancing in Willingham.

What can a local search tell me regarding the house I am purchasing in Willingham?

Willingham conveyancing often commences with the ordering local authority searches directly from your local Authority or via a personal search organisations such as Onsearch The local search plays a central part in many a Willingham conveyancing purchase; as long as you wish to avoid any nasty once you have moved into your property. The search should supply data on, amongst other things, details on planning applications applicable to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 subject areas.

I have a 4 bedroom Victorian property in Willingham. Conveyancing solicitor represented me and Accord Mortgages Ltd. I did a free Land Registry search last week and I saw two entries: the first freehold, another for leasehold with the exact same address. If a house is not a freehold shouldn't I have been informed?

You should review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Willingham and other areas of the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with purchasers. You can also enquire as to the position with your conveyancing practitioner who conducted the work.

I only have Sixty One years left on my flat in Willingham. I now want to get lease extension but my landlord is can not be found. What should I do?

On the basis that you qualify, under the Leasehold Reform, Housing and Urban Development Act 1993 you can apply to the County Court for for permission to dispense with the service of the initial notice. This will enable the lease to be extended by the Court. However, you will be required to prove that you have used your best endeavours to locate the lessor. On the whole an enquiry agent would be useful to conduct investigations and prepare an expert document which can be used as proof that the landlord can not be located. It is wise to seek advice from a conveyancer both on devolving into the landlord’s absence and the application to the County Court overseeing Willingham.

Willingham Leasehold Conveyancing - Examples of Queries before Purchasing

You should want to discover as much as you can about the company managing the block as they will affect your use and enjoyment of the property. Being a leasehold owner you are often in the clutches of the managing agents both financially and when it comes to day to day matters like the cleanliness of the communal areas. Ask other tenants what they think of them. In conclusion, be sure you discover the dates that you are obliged pay the service charge to the relevant party and specifically what you get for your money. What prohibitions are contained in the Willingham Lease? It is important to be aware if redecorating or some other significant cost is due in the foreseeable future that will be shared by the tenants and will dramatically increase the the maintenance fees or result in a specific payment.