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

Gomersal conveyancing solicitors and indeed property lawyers throughout the UK have a duty under money laundering regulations to verify the identity of any client in order to satisfy themselves that clients are who they say they are.

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

Evidence of source of funds is also required under the money laundering regulations as solicitors are obliged to check that the funds you are using to acquire a property (be it the exchange deposit or the total purchase monies where you are a cash purchaser) has originated from a reputable source (such as employment savings) rather than the fruits of illegitimate behaviour.

My husband and I have organised the release of further funds on our home loan from Nationwide as we intend to carry out a loft conversion to our property in Gomersal. Do we need to choose a bricks and mortar Gomersal solicitor on the Nationwide conveyancing panel to handle the legals?

Nationwide would not normally require a member of their approved list of lawyers to handle the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Nationwide conveyancing panel.

It is unclear whether my bank requires a lease extension. I have telephoned my Gomersal building society branch on numerous occasions and was told they are content with the situation and they will lend. My Gomersal conveyancing solicitor - who is on the lender conveyancing panel- telephoned to say that they refuse to lend in accordance with their specific requirements. Who do I believe?

Your solicitor must comply with the Council of Mortgage Lenders’ Handbook Part 2 conditions for your lender. Unless your lawyer obtains specific confirmation in writing that the bank 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 mortgage company to contact your lawyer in writing confirming that they will accept the number of years left on the lease.

I had an offer accepted on a property in Gomersal on 23/10/2024, valuation was booked 4 days after, received a clean bill of health. Property lawyer retained, so the only thing outstanding was my mortgage offer. Having made daily calls to Barclays and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Barclays conveyancing panel. Can the lender hold off the offer?

Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Barclays to deal with your lawyer's application to be on the Barclays conveyancing panel. There's no guarantee that your solicitor will be accepted.

Is it necessary to take out insurance to cover chancel repairs when purchasing a house in Gomersal?

Unless a previous purchase of the house completed post 12 October 2013 you may assume that conveyancing practitioners handling conveyancing in Gomersal to continue to advocate a chancel search and or insurance against a claim.

Is it possible to change firm as I have to appoint a firm on the Virgin Money conveyancing list. I instructed a family conveyancing solicitor in Gomersal round the corner but he is not accepted by Virgin Money

We will our best to assist in finding you a conveyancing solicitor in Gomersal on the Virgin Money panel. Please note that the conveyancers that we list do not pay us fee if you instruct them and are authorised and regulated by the Solicitors Regulation Authority who regulate all conveyancing solicitors in Gomersal. In making use of the find a conveyancing solicitor tool on this site, you can compare and instruct different solicitors and conveyancers both nationally and in Gomersal.

We are 3 weeks into a leasehold purchase having been referred to conveyancers by the selling agent to do our conveyancing in Gomersal. We are not happy. Can you help me find new solicitors?

A solicitor would need to be very poor in order to consider changing them. Has the mortgage offer been issued? If so you must inform them of the replacement conveyancer and get the mortgage documents are re-sent. The conveyancer should be on the banks panel to avoid supplemental expenses and complications. That should be your first question of the new solicitors. Our find a solicitor tool can assist you in finding a lender approved solicitor for your home move in Gomersal