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

It is indeed that case that these requests have nothing to do with conveyancing in Buxton. However these days you can not proceed with any conveyancing transaction if you have not submitting proof of your identity. This usually takes the form of a either your passport or driving licence as well as a utility bill. Please note that 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 satisfactory in the absence of the other.

Proof of your origin of money is required in accordance with the Money Laundering Regulations. Don’t be offended when you are asked to produce this as your conveyancing solicitor will need to retain this information on file. Your Buxton conveyancing solicitor will require evidence of proof of funds prior to accepting any funds from you into their client account and they may also ask additional queries regarding the source of funds.

My lawyer in Buxton has never been on on the Clydesdale Solicitor Panel. Is it possible for me to use my family solicitor even though they are excluded from the Clydesdale list of approved lawyers?

The limited options open to you here include:

1. Carry on with your existing Buxton solicitors but Clydesdale will need to use a solicitor on their list of acceptable firms. This will inevitably rack up the total conveyancing charges and cause frustration.
2. Find an alternative lawyer to act in the purchase, not forgetting to check they are on the Clydesdale panel

I'm buying my first flat in Buxton with a loan from The Royal Bank of Scotland. The builders would not budge the price so I negotiated 6k of additionals instead. The sale representative advised me not disclose to my lawyer about the side-deal as it would impact my loan with The Royal Bank of Scotland. Do I keep my lawyer in the dark?.

All lenders require a Disclosure of Incentives Form from the developer 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.

I have been sourcing a conveyancing lawyer in Buxton for my purchase. Can I check a firm’s record with the profession’s regulator?

Members of the public can review documented Solicitor Regulator Association (SRA) determinations stemming from inquisitions started on or after Jan 2008. Visit Check a solicitor's record. For information Pre 2008, or to check a firm's history, call 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For non-uk callers, dial +44 (0)121 329 6800. The SRA may monitor telephone calls for training requirements.

If all goes to plan we aim to complete our sale of a £400,000 flat in Buxton in 5 days. The freeholder has quoted £420 for Landlord’s certificate, building insurance schedule and 3 years statements of service charge. Is it legal for a freeholder to charge an administration fee for a flat conveyance in Buxton?

Buxton conveyancing on leasehold apartments normally involves the buyer’s lawyer submitting enquiries for the landlord to address. Although the landlord is under no legal obligation to respond to these enquiries most will be content to do so. They are at liberty to charge a reasonable charge for answering enquiries or supplying documentation. There is no set fee. The average costs for the paperwork that you are referring to is £350, in some transactions it is above £800. The management information fee demanded by the landlord must be accompanied by a synopsis of rights and obligations in respect of administration charges, without which the invoice is technically not due. In reality you have little choice but to pay whatever is requested of you if you want to complete the sale of your home.

Buxton Leasehold Conveyancing - Examples of Queries Prior to Purchasing

Plenty Buxton leasehold properties will have a service charge for maintenance of the building invoiced by the freeholder. Should you buy the flat you will have to pay this liability, normally periodically during the year. This can vary from a few hundred pounds to thousands of pounds for bigger purpose-built blocks. In all probability there will be a rentcharge for you to pay yearly, normally this is not a large amount, say approximately £50-£100 but you should to enquire as occasionally it can be many hundreds of pounds. You will want to discover as much as possible about the company managing the block as they will impact your use and enjoyment of the property. Being a leasehold owner you will be at the mercy of the managing agents from a financial perspective and when it comes to day to day matters like the upkeep of the common parts. You should not be shy to ask other people if they are happy with them. Finally, investigate as to the dates that the service fees are due to the managing agents and specifically what it includes.