All was ready to move into my new home in Haslingden next Friday. My conveyancing practitioner now wants me to supply her with evidence of content and building insurance for the property as as she informs me that she is duty bound to validate that it is in order for the bank. 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 Part 2 conditions. These requirements are not specific to conveyancing in Haslingden.

The deeds to my home are lost. The conveyancers who handled the conveyancing in Haslingden 4 years ago are no longer around. What are my options?

Assuming you have a registered title the details of your ownership will be retained by the Land Registry with a Title Number. It is possible to conduct a search at the Land Registry, locate your house and obtain current copies of the Registered Entries for a small fee. If the title is Leasehold then the Land Registry will usually hold a certified copy of the Registered Lease and again, a copy can be ordered for twenty pounds.

The estate agent has sent us the confirmation of our purchase of a new build apartment in Haslingden. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.

Set out below is a sample of a few leasehold new build questions that you should expect your new-build leasehold conveyancing in Haslingden

Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? There must be mutual enforceability of lessee’s covenants. Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal.

I opted to have a survey carried out on a house in Haslingden in advance of instructing lawyers. I have been advised that there is a flying freehold element to the property. My surveyor has said that some lenders tend refuse to give a mortgage on a flying freehold premises.

It varies from the lender to lender. Lloyds has different requirements for example to Nationwide. Should you wish to telephone us we can check with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Haslingden. Conveyancing may be slightly more expensive based on your lender's requirements.

We are 14 days into a residential purchase having been directed to solicitors by the estate agent to perform conveyancing in Haslingden. We are not happy. Could you you assist me in finding new lawyers?

They would need to be very bad to suggest diss instructing them. Has the mortgage been issued? In the event that it has you must advise them of the new contact details and ensure the mortgage documents are re-sent. The solicitor ideally should be on the mortgage company approved list to avoid supplemental expenses and complications. So that should be your first question of the new lawyers. Our find a solicitor tool should assist you in finding a lender approved solicitor for your conveyancing in Haslingden