Due to move into my new home in Callerton 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 bank. What risks does the mortgage company expect the insurance to cover?

All property lawyers 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 requirements are not unique to conveyancing in Callerton.

I am assisting my step-mother sell her property in Callerton. Will the conveyancing solicitor commission the energy assessment or do I organise this?

Following the demise of Home Packs, energy assessments was retained a compulsory component of moving property. An energy performance certificate should be commissioned before the property is put on the market. It is not a task that conveyancers ordinarily arrange. If you are using a Callerton conveyancing practitioner they may help arrange energy performance certificates due to their contacts with long established local energy assessors

We had chosen conveyancers located in Callerton on the Lloyds solicitor panel. They are now charging me an additional fee for dealing with the Lloyds mortgage. Is this a supplemental conveyancing fee set by Lloyds?

As unfair as it may appear, as long as it’s in their Terms of Engagement or Quote then yes your conveyancer may levy a fee for this. The charge is not dictated by Lloyds but by your Callerton property lawyer. Some firms on the Lloyds panel will charge ’dealing with mortgage’ fee and others do not.

Last month we had a mortgage agreed in principle with Clydesdale. Callerton conveyancing practitioners are selected. What is the average time that one could expect to receive a mortgage offer from Clydesdale?

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

I've recently found out that there is a flying freehold issue on a property I put an offer in a fortnight ago in what was supposed to be a straight forward, no chain conveyancing. Callerton is the location of the property. Can you offer any assistance?

Flying freeholds in Callerton are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Callerton you must be sure that your lawyer goes through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Callerton 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 property.

I'm converting the mortgage on my existing house to a BTL loan with Halifax and I will use the rest of the raised equity as a deposit on a second house. The location we are looking at is Callerton. Will your lawyers be able to act for the two lenders and tie in the conveyances?

Do use our search tool on this site to ensure that the lawyers are on the appropriate lender panels. On the basis that they are the solicitor will be able to simultaneously deal with the two conveyancing matters but you should talk with you lawyer and make clear your expectations and needs.

I have recently realised that I have 62 years remaining on my flat in Callerton. I now want to get lease extension but my landlord is missing. What are my options?

If you meet the appropriate requirements, under the Leasehold Reform, Housing and Urban Development Act 1993 you can apply to the County Court for an order to dispense with the service of the initial notice. This will mean that your lease can be granted an extra 90 years by the magistrate. You will be obliged to prove that you have done all that could be expected to find the freeholder. On the whole an enquiry agent should be helpful to conduct investigations and to produce a report to be accepted by the court as evidence that the freeholder can not be located. It is wise to seek advice from a conveyancer both on proving the landlord’s disappearance and the vesting order request to the County Court overseeing Callerton.

I acquired a ground floor flat in Callerton, conveyancing having been completed November 2007. Can you give me give me an indication of the likely cost of a lease extension? Equivalent properties in Callerton with an extended lease are worth £211,000. The average or mid-range amount of ground rent is £45 invoiced every year. The lease ceases on 21st October 2087

With 67 years remaining on your lease we estimate the price of your lease extension to be between £10,500 and £12,000 as well as professional fees.

The figure above a general guide to costs for renewing a lease, but we cannot give you a more accurate figure without more comprehensive investigations. You should not use the figures in tribunal or court proceedings. There are no doubt other issues that need to be considered and you obviously should be as accurate as possible in your negotiations. You should not move forward placing reliance on this information before getting professional advice.