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We’ve organised our FAQs into sections to help you quickly find the answers you need. If you don’t find what you’re looking for, please feel free to contact us!
Please refer back to your welcome pack, their telephone number and email address will be in there.
Please visit the case tracker, you’ll need your case reference and property postcode to hand.
ID1 form can be used – Verify identity: citizen (ID1) – GOV.UK (www.gov.uk)
We never advise clients to cancel their direct debit beforehand, as this can affect your credit score, therefore the ex-lender may take the payment. However, the lender should reimburse you, and we would advise you to speak to them to obtain a timescale, as this varies between lenders.
To comply with anti-money laundering regulations, we need proof of the source of any funds used for your property transaction. Please complete the source of funds questionnaire, which helps us determine the specific evidence required. The needed evidence may vary by case, as we must verify the origin of the funds to proceed.
We do not accept funds originating from countries identified by the UK or EU as high-risk third countries. A list of countries can be found here, and we currently include Russia, Belarus, China and Nigeria in this list. Equally, if we are unable to obtain enough evidence to identify the origin of the source of funds, we will not be able to accept this. We also do not accept Crypto-currency. If you have any concerns about where your money is coming from then please speak to your property lawyer.
Armalytix is a company we work with to conduct your digital source of funds and account verification checks. This will save you time and effort in collating bank statements manually. Armalytix will prepare a financial information report; by connecting securely with your bank, they will not access anything without your permission. More information is provided in your welcome letter.
If you are having problems with the link provided, then please contact your property lawyer.
Unless instructed otherwise, we require the following documents to meet UK Money Laundering Regulations:
For non-UK residents, we need your photo ID and two proof of address documents, certified by one of the following:
Once we receive your documents, we will perform electronic ID verification. A fee may apply and will be charged upon application completion. If you cannot provide these documents, please contact your case manager for help.
You can easily switch between properties on the app by clicking the tab located at the top left hand corner of the app.
We, ONP (O’Neill Patient Solicitors), handle the legal side of your remortgage. We ensure your new lender has first charge on your property and repay your existing mortgage. We don’t manage offers or valuations – your broker or lender does that. Once your documents are complete, we handle registration with the Land Registry and finalise repayment.
An early redemption charge is a fee from your lender for repaying within your fixed term. If you know when your term ends, please inform us, and we’ll aim to complete the next working day if possible. If you’re unsure about any penalties or expiration dates, contact your current lender for confirmation.
This document must be signed by you and witnessed by an independent person over 17, who is neither a family member nor a resident of the property. Return the original signed deed to us by post at O’Neill Patient Solicitors LLP, 2 Stockport Exchange, Railway Road, Stockport, Cheshire, SK1 3GG. Please ensure the document is not dated.
Lenders vary in how quickly they process fund requests—some take as little as 2 days, while others may need up to 5 working days. ONP requires as much notice as possible, but we need at least a week after receiving all documentation to process the request.
We will request the mortgage advance from your new lender to be received one working day before the scheduled completion to avoid delays. Note that your lender may charge interest from the date we receive the funds.
If you expect a shortfall, note it on your questionnaire. Once we have your offer and redemption figure, we’ll tell you the exact amount due, which must be paid before completion. Additional checks may apply, and we’ll inform you if needed.
Yes, please send a copy of your tenancy agreement as early as possible, we will need to ensure the tenancy agreement is acceptable to the lender.
We never advise clients to cancel their direct debit beforehand, as this can affect your credit score, therefore the ex-lender may take the payment. However, the lender should reimburse you, and we would advise to speak to them to obtain a timescale, as this varies between lenders.
ONP Solicitors is a modern, forward-thinking law firm that takes the stress out of buying and selling property. We keep every aspect of legal conveyancing simple, and most importantly, we keep things moving. Wherever you are, we’re by your side, making moving simple.
ONP Solicitors is a trading name of O’Neill Patient Solicitors LLP. Company Registration OC322650. Registered in England and Wales with Registered Office at 2nd & 3rd Floors, 2 Stockport Exchange, Stockport, Cheshire, SK1 3GG. Authorised & regulated by the: Solicitors Regulation Authority. SRA Reg .No. 449172 VAT Number: 991275685.
