My brother-in-law has suggested I instruct a conveyancing solicitor in Salford. I I would like to check if they are on the Virgin Money conveyancing panel. Can you or the lender confirm if they are on the panel?

The first thing you should do is contact the conveyancer and ask them whether they can act for the bank. Alternatively you should get in touch with Virgin Money who may be able to help.

What is the difference between a licensed conveyancer and conveyancing solicitor in Salford

There are many registered licenced Conveyancers in Salford and Solicitor partnerships in Salford who can assist with your conveyancing We would stress that both are supervised by regulatory bodies with both specialising in the legal work in transferring property. Both can conduct associated property related work such as remortgage conveyancing, enfranchisement and transfer of equity conveyancing.

My solicitor has informed me that lack of building regulations insurance is necessary on my purchase. What is the level of cover for Salford conveyancing?

The right level of lack of building regulations indemnity insurance depends on who your lender is. It would differ for example between Yorkshire Building Society and Leeds Building Society. Conveyancing practitioners as opposed to members of the public take out such policies.

I've read lots of mortgage guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Salford solicitor - who is on the Bank of Ireland conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?

Bank of Ireland will need an independent valuation of the property. Your lawyer will not arrange this. Usually Bank of Ireland will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your conveyancing practitioner will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Salford postcode. As you are getting a mortgage with Bank of Ireland, you could contact them to see if they have a list of approved surveyors in Salford.

I completed on my home on 10 January and my personal details are still not registered. Should I be concerned? My conveyancing solicitor in Salford advises it should be concluded in a couple of weeks. Are transfers in Salford uniquely lengthy to register?

As far as conveyancing in Salford is concerned, registration is no quicker or slower than anywhere else in England and Wales. As opposed to being determined by geographic area, timeframes can differ according to the party submitting the application, whether there are errors and whether the Land registry must send notices to any third parties. At present roughly three quarters of submission are completed in less than three weeks but some can be subject to extensive delays. Registration is effected after the new owner has moved in to the property so an expedited registration is not typically top priority yet where there is a degree of urgency associated with the registration then you or your lawyers can contact the land registry and explain the circumstances.

I've recently found out that there is a flying freehold element on a house I have offered on a fortnight ago in what should have been a straight forward, chain free conveyancing. Salford is the location of the property. Is there any guidance you can give?

Flying freeholds in Salford are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Salford you must be sure that your lawyer goes through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Salford may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.

I am purchasing a flat and cash is in place. I have provided conveyancer with 2 distinct forms of photographic identification, bank statement, numerous utility bills. Now he wants a copy from a probate lawyer stating that the funds are in order and that it has come from inheritance and not dealing E's in Ibiza.

In today’s world you will not be able to complete any Salford conveyancing transaction without first providing evidence of your identity to your lawyers. This usually takes the form of a either your passport or driving licence and a utility bill. Remember if you are providing your driving licence as evidence of ID it must be both the paper part and photo card part, one is not acceptable without the other. Establishing of your source of funds is required under Money Laundering laws.