The short answer
A conveyancer needs to verify identity and understand the source of transaction funds. Showing that money is in an account may not explain where it originated. Ask for the evidence list early and use the firm's agreed secure process.
Provide a clear story supported by documents, not just a current balance.Explain the source in plain terms
Tell the firm whether the money comes from earnings and savings, a property sale, a gift, an inheritance or another source. If several sources contribute, explain each one.
Ask which records are needed to connect that source to the funds you will use. A single balance screenshot may show that money exists without explaining how it was obtained. Your firm decides what evidence is appropriate for your circumstances.
Prepare evidence without unnecessary account movements
Keep relevant statements and documents available and provide complete records in the format requested. Tell the firm if obtaining a document will take time, especially for overseas funds or older transactions.
Do not shuffle money between accounts to make the position look simpler. A clear trail is easier to understand than unexplained transfers. If a family member contributes, ask what information is needed from that person too.
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Use the agreed channel
Confirm how your firm wants documents delivered. Avoid replying with sensitive documents to an unexpected message merely because it uses the firm's logo.
If a request appears unusual, check it through a contact route you already trust. You can ask why a document is required and how it will be handled. Do not upload identity or bank documents into a general blog enquiry field.
Protect the final transfer
Before sending funds, verify the firm's bank details independently using an established telephone number or the firm's agreed verification process. Treat unexpected bank-detail changes as something to check, not an instruction to act quickly.
If you suspect a fraudulent payment, contact your bank and legal firm immediately through trusted routes. Keep relevant messages. A guide cannot resolve the incident, and prompt direct action matters.
Your next steps
- Explain each source of funds early.
- Ask which evidence and date ranges are needed.
- Use the firm's agreed secure channel.
- Independently verify payment instructions.
A little more clarity
Is a bank balance enough?
Not always. Your conveyancer may need evidence of the source and movement of the money as well as proof that it is available.
Further reading
- GOV.UK: How to buy a home (opens in a new tab)
- HM Land Registry: Protect property from fraud (opens in a new tab)
General information for England and Wales, not advice on your individual transaction. Millennium Legal is a referral and case management service, not a firm of solicitors. Your appointed firm provides legal advice. Check current official guidance and your own terms.
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