I am hoping to complete my purchase in Bromsgrove next Thursday. My conveyancing practitioner now wants me to supply her with evidence of content and building insurance for the property as he says that he has to check this in his capacity as lawyer for the mortgage company. What does the insurance need to cover?

All property lawyers on acting for mortgage companies 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 obligations are not specific to conveyancing in Bromsgrove.

I am selling my house in Bromsgrove. Does my lawyer have to be on the Bank of Ireland conveyancing panel in order to deal with paying off my mortgage?

Ordinarily, even if your lawyer is not on the Bank of Ireland conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their specifications fairly frequently at the moment.

Are there any apps to assist me to search for a Bromsgrove solicitor on the Bank of Ireland conveyancing panel? I have wheels and am prepared to travel upto 20miles to meet the conveyancer.

Feel free to make use of the facility on this page. Please pick a bank and your location and you will see a number of Bromsgrove conveyancing lawyers locally. We have detailed some Bromsgrove conveyancing firms towards the end of this page and you can contact them to see if they are on the Bank of Ireland approved list

My partner has recommend that I instruct his conveyancing solicitors in Bromsgrove. Should I find my own conveyancer?

Much as we are happy to recommend a Bromsgrove conveyancing lawyer the best way to choose a conveyancing practitioner is to get recommendations from friends or family who have actually experience in using the solicitor you're contemplating using.

I am in need of some leasehold conveyancing in Bromsgrove. Before diving in I require certainty as to the unexpired term of the lease.

Assuming the lease is registered - and almost all are in Bromsgrove - then the leasehold title will always include the short particulars of the lease, namely the date; the term; and the original parties. From a conveyancing perspective such details then enable any prospective buyer and lender to confirm that any lease they are looking at is the one relevant to that title. For any other purpose, such as confirming how long the term was granted for and calculating what is left, then the register should be sufficient on it's own.

Leasehold Conveyancing in Bromsgrove - A selection of Questions you should ask Prior to Purchasing

It would be a good idea to investigate if there is anything that is prohibited in the lease. By way of example some leases prohibit pets being permitted in certain buildings in Bromsgrove. If you like the flatin Bromsgrove yet your dog can’t live with you then you have a very difficult compromise. How much is the service charge and ground rent on the apartment? You should want to find out as much as possible about the managing agents as they will impact your use and enjoyment of the property. As the owner of a leasehold property you will be at the mercy of the managing agents both financially and when it comes to day to day matters such as the tidiness of the common parts. Enquire of other people what they think of their management. In conclusion, be sure you understand the dates that you are obliged pay the service charge to the managing agents and specifically what it includes.