I am hoping to complete my purchase in Colnbrook next Friday. 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 lender. What does the insurance need 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 Part 2 instructions. These obligations are not unique to conveyancing in Colnbrook.

We are expecting a mortgage offer soon. The lender mentioned the home loan came with free conveyancing. Is the implication that I have to use their panel lawyer as I would much rather use a Colnbrook based conveyancing firm?

You should check but the the probability is that give you one of their panel conveyancers should you accept the "fee-free" deal. Call the mortgage company and determine if they make available a cash alternative. Some lenders have previously offered a £250 cashback as an alternative in which case that money can go towards your preferred conveyancing solicitor in Colnbrook.

We were going to get a DIP from UBS this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do UBS recommend any Colnbrook solicitors on the UBS conveyancing panel, or is it better to go independently?

You will need to appoint Colnbrook solicitors independently although you'll need to choose one on the UBS conveyancing panel. The solicitor represents both you and UBS through the process.

Intending to buy a maisonette in Colnbrook. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Barclays conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.

They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Colnbrook conveyancer is on the Barclays conveyancing panel.

Kent Reliance have agreed my mortgage in principle, my bid on a flat in Colnbrook has been accepted, what are the next steps?

The estate agent will need to know who your solicitors are (ensure that the property lawyers are on the bank’s approved list). Contact Kent Reliance or the broker and finish off any relevant paperwork. Kent Reliance will instruct a valuer who will get in touch with the selling agent or owners to book an appointment. Once carried out (assuming no problems) it takes about a fortnight for the mortgage offer to be issued. Kent Reliance will issue the offer to you and your property lawyers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Colnbrook.

What can a local search reveal concerning the property we're buying in Colnbrook?

Colnbrook conveyancing often commences with the ordering local authority searches directly from your local Authority or via a personal search organisations for example Onsearch The local search is essential in every Colnbrook conveyancing purchase; that is if you wish to avoid any unpleasant surprises after you move into your new home. The search will provide data on, amongst other things, details on planning applications relevant to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 topic areas.

I am on look out for some leasehold conveyancing in Colnbrook. Before I set the wheels in motion I would like to find out the unexpired term of the lease.

Assuming the lease is registered - and most are in Colnbrook - then the leasehold title will always include the basic details 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.

Colnbrook Leasehold Conveyancing - Examples of Queries Prior to Purchasing

The answer will be useful as a) areas may cause problems in the building as the common areas may start to deteriorate where maintenance are not paid for b) if the leasehold owners have a dispute with the managing agents you will wish to have all the details It is important to be aware if window replacement or some other major work is anticipated to be shared by the leaseholders and could well materially impact the level of the service charges or require a one off payment. The best form of lease arrangement is where the freehold interest is owned by the leaseholders. In this situation the lessees have control and notwithstanding that a managing agent is usually employed where it is larger than a house conversion, the managing agent is directed by the tenants.