All was ready to move into my new home in Bexleyheath next Monday. I have now been asked to send a copy of my building insurance schedule by my solicitor as as she informs me that she is duty bound to validate that it is in order for the mortgage company. What risks does the bank expect the insurance to cover?

Any lawyer on acting for lenders would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in a lender’s UK Finance Lenders’ Handbook conditions. These obligations are not limited to conveyancing in Bexleyheath.

Is it the case that all Bexleyheath solicitors on the conveyancing panel are regulated by the SRA?

As solicitors, in order to be on the approved list of solicitors they would need to be overseen by the Solicitors Regulatory Authority. Many lenders do list licenced conveyancers on their panel in which case such firms would be overseen by the Council of Licensed Conveyancers.

Last month we had a mortgage agreed in principle with . Bexleyheath conveyancing lawyers have been selected. How long does it take for to issue the offer to the ?

Some lenders take longer than others. Have completed the survey? Have you advised as to your lawyers' details and checked that your lawyers are on the conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.

Our sealed bid on a house in Bexleyheath has been accepted, but there is a chain. The owners have put an offer on on an apartment, but it’s not been accepted yet, and have viewings of other apartments booked. I have chosen a bricks and mortar conveyancing solicitor in Bexleyheath. What do I do now? When do I get the mortgage application with going?

It is understandable to have apprehensions where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx one thousand pounds, then survey, Bexleyheath conveyancing search costs, etc). First, you should check that your is on the conveyancing panel. Concerning the next stages this very much dictated by the circumstances of your case, motivation for this property and on the state of the market. In a hot market many home buyers would apply for a home loan with and pay for the valuation and only if it comes back ok would they ask their to proceed with searches.

We are intent on selling our property in Bexleyheath and according to the buyers it appears that there is a risk of it being built on contaminated land. Any high street Bexleyheath lawyer would know that there is no such problem. For the life of me I don't know why the purchasers are using an internet conveyancing practice as opposed to a conveyancing solicitor in Bexleyheath. Having lived in Bexleyheath for six years we know that this is a non issue. Do we get in touch with our local Authority to seek confirmation need.

It would appear that you have a conveyancing lawyer already. What do they say? You need to enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same illness)

The estate agent has sent us the confirmation of our purchase of a new build flat in Bexleyheath. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.

Set out below is a sample of a selection of leasehold new build enquiries that you should expect your new-build leasehold conveyancing in Bexleyheath

Please supply a car parking plan. The Vendor must covenant to keep unoccupied units in good repair until long leases are granted therefore. There must be mutual enforceability of lessee’s covenants. Please confirm the Lease plans are architect prepared. Please provide evidence that the form of Lease proposed has been approved by the Land Registry.

Me and my husband have recently had an offer agreed on a apartment and had meeting on Wednesday with HSBC for the mortgage. They advised us that when it comes to appointing a that if they are not on their approved list of then we will incur an extra charge of £200. This is is due to the fact that they will then have to appoint a conveyancer to act for them in addition to the one we choose to act for ourselves and we assume responsibility for their invoice. I have requested HSBC to send me with a list so I can request quotes only from their approved lawyers but was told that I need to check with each individual solicitor to see if they are on the panel. What would be the best way of going about this?

You should ask HSBC what their panel criteria is for a conveyancer.Thereafter ask the of your choice whether they meet the criteria and have they acted on mortgages for HSBC previously. Where the answer to those is yes, then just clarify this with HSBC. Alternatively please make use of our search facility and we may be able to find you a in Bexleyheath on the approved list for HSBC.