Client(s) Details

Applicant 1
Please enter your forename(s).
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Please enter a valid date in yyyy-mm-dd format.
Please enter your National Insurance Number.
Applicant 2
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Please enter your National Insurance Number.

Contact Details

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Please enter the town/city of your address.
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Please enter your main contact telephone number
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Please enter your mobile or secondary contact number (optional)
Please enter your email address
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Purchase Property Details 1

Please enter the property address.
Please enter the town/city of the property.
Please enter a valid postcode.
£
Please enter the price of the property being purchased.
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Purchase Property Details 2

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If this is the case, we will provide further information.
Please note that if you previously disposed of a property more than 21 years ago you may still be classed as a first time buyer

Please confirm the following:


Deposit

Check this box if you have paid a preliminary deposit on the property
£
Please enter the amount paid on the deposit.
Please enter a valid figure.

Mortgage

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£
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As part of transaction we may need to liaise with your lender with regards to the terms of the transaction (including where the terms of the transaction change) or otherwise and by signing this form you confirm your authorisation for us to do so without reverting to you for your further instruction in this regard.


Survey

We recommend that you have a structural survey carried out on the property

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Others living in property

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Completion

Please enter a valid date in yyyy-mm-dd format.
Identification

We are required by the Proceeds of Crime Act 2002 (POCA) to obtain identification from all clients. On completion of this form, please send a copy of your passport or photo driving licence and bank statement or utility bill (not more than three months old) showing your current address to property@tvedwards.com.

Please note that where you are purchasing with the assistance of a mortgage we will need to see original identification papers prior to completion so as to comply with the requirements of your mortgage lender.

Completion Monies
Check this box if you anticipate having to provide additional monies from your own resources to complete your purchase
£
Please enter the amount of the additional monies.
Please enter a valid figure.

Owing to the POCA we now have to ask you to disclose the source of the funds.

For example, savings, gift, loan, inheritance, sale of property, premium bonds etc.

In accordance with our obligations under POCA we reserve the right to request evidence of the source of funds.


Wills

We recommend that everyone should make a Will in order to ensure that they leave all their property and other assets to whomever they choose rather than relying on the rules of intestacy. If you have already made a Will we recommend that you should review it every five years. We are one of the first firms in the country to be awarded the prestigious Wills and Inheritance Quality Scheme by the Law Society.


Joint Tenancy or Tenancy in Common?

When property is owned by two or more people for their own benefit, it is expressed to be owned by them either as joint tenants or tenants in common. These are legal terms which may best be described as follows:

Joint tenancy

For practical purposes, this applies if it is intended you will each hold one equal share in the property. Under a joint tenancy, and upon the death of one of the co-owners, the deceased’s share will automatically and immediately pass to the surviving co-owner, irrespective of any direction in your will or under the terms of the deceased’s intestacy. If you wish your co-owner to receive the whole of the property upon your death then a joint tenancy should be utilised. Please note however that a joint tenancy can be severed at any time by either party so that the property is then held as tenants in common and unless a declaration of trust is prepared setting out each party’s entitlement to the equity there will be a starting presumption that each joint owner will be entitled to an equal share of the equity. If unequal contributions are being made to the purchase of the property it may be more appropriate for the property to be held as tenants in common (as to which please see below). Please also note that a bankruptcy order in relation to any of the joint owners will also sever the joint tenancy.

Tenancy in common

Upon the death of one of the co-owners the deceased’s share does not pass to the other surviving co-owner but remains part of the deceased’s estate and will pass as directed under any will as made by the deceased person or to his or her next of kin as appropriate under intestacy. Under a tenancy in common, the property can be held by you in unequal shares and may therefore reflect the percentages to which you will each be entitled from any future sales of the property. If the property is to be held in unequal shares each party’s entitlement to the equity can be recorded either in the transfer document or in a separate declaration of trust. Such a declaration is useful evidence as to the intention of the parties where unequal contributions are made. This may be useful in the future in the unfortunate event of a dispute as to entitlement (e.g. in the event of the relationship of the joint owners breaking down) or in the event of a third party (e.g a creditor or trustee in bankruptcy) seeking to establish the entitlement of a joint owner. If you require any further advice in this regard please let me know If a tenancy in common is to be used then the owners must consider making a will. Please also note that if co-owners subsequently marry then their shares in the property may subsequently be varied by a divorce court in any event.

Independent Legal Advice

We cannot advise you how to jointly own the property as this is your decision. In circumstances where you are not equally contributing towards the purchase price of the property, we strongly recommend that you each take independent legal advice.

Action required by you

We require:


Cyber Crime

Property transactions are often targeted by criminals who attempt to intercept or interfere with the email accounts of solicitors and their clients.

Please check carefully all emails received from our firm. If you believe that any correspondence you have received may be suspicious, please speak to us urgently by telephone using the phone number shown on our headed paper.

TV Edwards will NEVER:

  • Change our email address during the course of a transaction;
  • Change our bank details during the course of a transaction;
  • Provide you with our bank details by email (except in our initial letter);
  • Ask you to provide your bank details to us in an email (we may ask you for a bank statement and/or to verify those details in person or over the telephone);

We take cyber security issues very seriously and have in place software, systems and processes designed to protect us from attack. Unfortunately, no system is ‘fool-proof’ and we would urge you to be vigilant at all times.

For further information on cyber security, please refer to our cyber security page.


Confirmation and Electronic Signature(s)

Please check this box if you would like to confirm.

I ENCLOSE THE SUM OF £500.00 ON ACCOUNT OF COSTS.

We’ll only use this information to handle your instruction and we won’t share it with any third parties. For more details see our Privacy Policy.

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