Family Transfers

When talk to Conveyancer?

• When you have decided to add or remove a person from the title of your property.
• You may be exempt from paying Stamp Duty if you meet the Revenue SA exemption rules.
• When undertaking a family or matrimonial transfer It is best to seek legal advice to protect the interests of all parties.

The main costs are:

• Stamp Duty on Transfer (unless Exempt)
• Lands Titles Office registration fee on Transfer
• Conveyancing fees
• Search costs and disbursements
• Finance fees and charges.

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Verification of Identity

The verification process involves you attending a face-to-face in-person interview with your Conveyancer or their Agent. At that interview, you must produce particular documents that verify that you are the person you purport to be. There are various Categories of documents that you may produce but you must produce:
the highest category of documents possible, and
all documents from that Category.
The various Categories of Documents are set out below.

The person conducting the interview is required to take copies of these documents.

If you are unable to produce your passport or driver’s licence or form of photographic proof of age card, you need to be accompanied by some-one (called a Declarant) who can identify you. Details of that additional process are set out below.

If you are not an Australian citizen or resident, limited categories of Documents may be used. Details are set out below.

Category 1: A Passport plus either an Australian driver’s licence or Proof of Age Card (photo)
Category 2: A Passport plus
a full birth certificate, citizenship certificate or descent certificate, and
a Medicare, Centrelink or Department of Veterans’ Affairs card.
Category 3: An Australian driver’s licence or form of photographic Proof of Age Card plus
a full birth certificate, citizenship certificate or descent certificate, and
a Medicare, Centrelink or Department of Veterans’ Affairs card.
If you cannot provide the above documents please contact your Conveyancer who will advise what other documents to produce.

There is a fee of $55.00 per person to be identified payable at time of Verfication.

Verification of Authority

Why Verification of Authority is Required

Verifying the authority of an individual to enter into a conveyancing transaction is part of the due diligence required of conveyancing professionals.

Verifying parties' authority mitigates the risk of fraud and gives other parties to the transaction confidence that they are dealing with a person who has the authority to enter into the transaction.

What documents can be used to verify a person's authority

The type of documents used to verify a person’s authority will differ depending on the conveyancing transaction.

These documents include:

• a current local council or water rates notice for the land
• current utility bills for the land
• a current land tax assessment notice for the property
• loan documentation connecting the party to the land
• the mortgage granted by the mortgagor
• the contract for the sale of land

Nicole is a PEXA registered Conveyancer who can advise you how your property can be settled electronically. This process gives you greater certainty of your settlement occurring on time, instant registration (so the property is in your name instantly), and if you are selling you, receive funds in your nominated account on the day of settlement.

What is e-Conveyancing?

• e-Conveyancing minimises the manual processes and paperwork associated with property settlement by enabling lawyers, conveyancers and financial institutions to transact together online.
• It enables you to lodge documents and complete financial settlements electronically.
• e-Conveyancing also reduces the risk of errors and delays, giving you and your clients greater certainty of successful, on-time settlement.

Fast
Less time preparing documents and no need to attend settlement.

Efficient
Secure electronic funds disbursement - no organising bank cheques.

More Information
www.pexa.com.au

Electronic Settlement
www.pexa.com.au

Australian Institute of Conveyancers (SA Division)
www.aicsa.com.au

SA Government Calculators
www.sa.gov.au