Due to complete my purchase in Canford Heath next Monday. My lawyer 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 lender expect the insurance to cover?

Any lawyer 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 Part 2 instructions. These obligations are not unique to conveyancing in Canford Heath.

Do commercial conveyancing searches disclose proposed roadworks that may affect a commercial estate in Canford Heath?

Its becoming the norm that commercial conveyancing solicitors in Canford Heath will conduct a SiteSolutions Highways report as it dramatically cuts the time that conveyancers invest in looking into accurate data on highways that impact buildings and development assets in Canford Heath. The report sets out definitive data on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Canford Heath.

For each commercial conveyancing transaction in Canford Heath it is crucial to investigate the adoption status of roads surrounding a site. Failure to identify developments where adoption procedures have not been addressed adequately can cause delays to Canford Heath commercial conveyancing deals as well as present a risk to future intentions for the site. These searches are not carried out for residential conveyancing in Canford Heath.

I got the keys to my apartment on 6 November and the transaction details is yet to be on the land registry website. Any reason for this? My conveyancing solicitor in Canford Heath advises it should be registered in a couple of weeks. Are transfers in Canford Heath particularly slow to register?

There is nothing unique when it comes to conveyancing in Canford Heath registration formalities. As opposed to being determined by geographic area, timescales can differ subject to who lodges the application, whether there are errors and if the Land registry need to notify any 3rd parties. As of today in the region of three quarters of such applications are completed within two weeks but some can be subject to longer hold-ups. Registration takes place once the buyer is living at the property thus an expedited registration is not always top priority yet where it is urgent that the the registration takes place urgently then you or your lawyers can communicate with the Registry to express the reasoning for the application to be prioritised.

I opted to have a survey carried out on a house in Canford Heath prior to appointing lawyers. I have been advised that there is a flying freehold overhang to the house. The surveyor has said that some mortgage companies may refuse to issue a mortgage on this type of property.

It depends who your proposed lender is. Lloyds has different instructions from Birmingham Midshires. If you contact us we can check via the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Canford Heath. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Canford Heath to see if the conveyancing costs will increase in light of this.

Am I better off to choose a Canford Heath conveyancing practitioner in close proximity to the house I am hoping to buy? An old friend can carry out the legal work however her office is 300kilometers away.

The primary upside of using a high street Canford Heath conveyancing practice is that you can drop in to execute documents, hand in your ID and apply pressure on them where appropriate. Having local Canford Heath know how is a bonus. That being said nothing is more important than finding someone that will pull out all the stops for you. If other friends have used your friend and in the main were happy that should trump using an unfamiliar Canford Heath conveyancing solicitor solely due to them being round the corner.