What does my ID and proof of funds have anything to do with my conveyancing in Kirkby? What am I being asked for?
It is indeed that case that these requests have nothing to do with conveyancing in Kirkby. However these days you will not be able to complete any conveyancing transaction in the absence supplying evidence of your identity. This usually takes the form of a either your passport or driving licence plus a bank statement. Remember if you are providing your driving licence as proof of identification it needs to be both the paper part and photo card part, one is not acceptable without the other.
Evidence of the source of funds is necessary under Money Laundering Regulations. Please do not be offended when when this is requested of you as your lawyer will need to have this information on file. Your Kirkby 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 queries regarding the source of funds.
I am expecting a OIP from Nationwide this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Nationwide recommend any Kirkby solicitors on the Nationwide conveyancing panel, or is it better to go independently?
You will need to appoint Kirkby solicitors independently although you'll need to choose one on the Nationwide conveyancing panel. The solicitor represents both you and Nationwide through the process.
I have paid off my mortgage with Virgin Money. I assume I don't need a Kirkby conveyancer on the Virgin Money panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Virgin Money 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 Virgin Money mortgage from the register. Virgin Money, 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:
- but are not moving to another property
- where Virgin Money has sent the Land Registry the discharge electronically, and
- Virgin Money has instructed the Land Registry to do so
I am selling my apartment. I had a double glazing fitted in March 2010, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, RBS are being pedantic. The Kirkby solicitor who is on the RBS conveyancing panel is saying indemnity insurance will be fine but RBS are requiring a building regulation certificate. Why do RBS have a conveyancing panel if they don't accept advice from them?
It is probably the case that RBS have referred the matter to their valuer. The reason why RBS 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.
I am buying a house and the solicitor has mentioned Chancel Repair for which the property could be liable given it’s proximity to the area of such a church. He has suggested insurance. Is this strictly necessary for conveyancing in Kirkby
Unless a prior purchase of the house took place post 12 October 2013 you can assume that solicitors conducting conveyancing in Kirkby to continue to recommend a chancel search and or insurance against a claim.
I'm remortgaging my current house to a buy to let mortgage with Nottingham Building Society and intend to use the remaining equity towards a second property. The location we are talking about is Kirkby. Will your conveyancers be able to act for both sets of mortgage companies and tie in the two deals?
Make use of our search tool on this page to check that the solicitors are approved by both banks. Assuming that they are the solicitor will be able to simultaneously deal with the two deals but you should talk with you lawyer and communicate your expectations and needs.
In searching the web for the term conveyancing in Kirkby it brings up many property lawyersin the vicinity. With so much choice what is the best way to find the right conveyancer for my move?
The best way of seeking a suitable conveyancer is through a personal testimonial, so seek the guidance of friends and family who have acquired a property in Kirkby or the reputable estate agent or financial adviser. Costs for conveyancing in Kirkby differ, so it's a good idea to request a minimum of three estimates from varying types of companies. Dont forget to clarify that the fees are fixed.