I am hoping to complete my purchase in Dunholme next Thursday. 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 lender. What risks does the mortgage company expect the insurance to cover?

Any lawyer 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 conditions. These obligations are not limited to conveyancing in Dunholme.

Having sold my house in Dunholme last May but the buyer keeps whats apping every few hours to say his conveyancer needs to hear from myconveyancer. What should have happened now that I have sold?

After completion of your disposal your lawyer is committed to forward the transfer deeds and all of the paperwork to the buyer’s lawyers. If applicable, your lawyer must also confirm that the home loan has been redeemed to the purchasers conveyancers. There is unlikely to be post completion requirements specific conveyancing in Dunholme.

I purchased a 4 bedroom Georgian property in Dunholme. Conveyancing lawyer represented me and Nottingham Building Society. I happened to do a free search for it on the Land Registry database and I saw two entries: one for freehold, the second leasehold with the exact same address. I thought I was buying a freehold how can I check?

You need to read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Dunholme and other locations in the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with buyers. You can also question the position with your conveyancing lawyer who conducted the work.

I've recently found out that there is a flying freehold issue on a house I have offered on two weeks back in what was supposed to be a simple, chain free conveyancing. Dunholme is where the house is located. What do you suggest?

Flying freeholds in Dunholme are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Dunholme you must be sure that your lawyer goes through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Dunholme 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.

Do I cancel my mortgage payments with Bank of Ireland once a completion date for my sale in Dunholme has been set?

You are best advised to maintain meeting any mortgage sums to Bank of Ireland pending the mortgage being paid off out of the proceeds of sale as part of your Dunholme conveyancing.