Due to complete my purchase in Bourne End next Monday. I have now been asked to send a copy of my building insurance schedule by my solicitor as he says that he has to check this in his capacity as lawyer for the mortgage company. What risks does the mortgage company expect the insurance to cover?

All property lawyers on acting for banks 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 instructions. These requirements are not limited to conveyancing in Bourne End.

I've recently found out that there is a flying freehold element on a property I put an offer in a fortnight ago in what was supposed to be a straight forward, no chain conveyancing. Bourne End is the location of the property. What do you suggest?

Flying freeholds in Bourne End are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Bourne End you would need to get your solicitor to go through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Bourne End may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.

In what way can the Landlord & Tenant Act 1954 affect my commercial premises in Bourne End and how can your lawyers assist?

The 1954 Act affords a safeguard to commercial lessees, granting the a statutory right to apply to court for a new lease and remain in occupation at the end of an expired lease. There are certain specified grounds that a landlord can refuse a lease renewal and the rules are complex. Fees are different for commercial conveyancing. Bourne End is one of the hundreds of areas of the UK in which the firms we work with have offices

Am I best advised to go with a Bourne End conveyancing solicitor who is local to the property I am hoping to buy? An old friend can execute the conveyancing however her office is over three hundred kilometers drive away.

The benefit of a local Bourne End conveyancing practice is that you can visit the firm to execute paperwork, present your identification documents and apply pressure on them if necessary. They will also have local knowledge which is a bonus. That being said nothing is more important than finding someone that will pull out all the stops for you. If if people you trust used your friend and they were happy that must trump using an unknown Bourne End conveyancing solicitor solely due to them being local.

Is it true that a Bourne End conveyancing solicitor got sued by a client for failing to conduct the appropriate conveyancing searches?

Our attention has not be brought to such a Bourne End conveyancing matter but it has been reported that, a couple buying a house in Cumbria successfully won a claim against their solicitor as a consequence of development permission to construct a wind farm not being identified in conveyancing searches.

If you are purchasing in Bourne End It is important that your solicitor carry out all Bourne End conveyancing searches needed making sure that you have relevant and current information before purchasing a home in Bourne End.