Due to complete my purchase in Horfield next Tuesday. 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 does the insurance need to cover?

All property lawyers 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 requirements. These obligations are not limited to conveyancing in Horfield.

We are planning to acquire a property and need a conveyancing solicitor in Horfield who is on the Clydesdale approved panel. Could you point me in the right direction as regards a firm?

Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Clydesdale . We don't recommend any particular firms conducting conveyancing in Horfield.

We hope to to purchase with Norwich and Peterborough Building Society. We have called around locally yet am unable to find a Horfield conveyancing firm on the Norwich and Peterborough Building Society panel. Can you assist?

Feel free to make the most of the find a lender approved solicitor tool on this site. Pick the lender and type Horfield or your location and you will be presented with a number of lawyer based in Horfield or near you.

I am buying a property and the solicitor has mentioned Chancel Repair for which the property could be obligated to contribute to as it falls into the area of such a church. He has mentioned insurance. Is this really necessary for conveyancing in Horfield

Unless a previous acquisition of the premises completed after 12 October 2013 you may expect conveyancing practitioners conducting conveyancing in Horfield to continue to recommend a chancel search and or chancel repair liability policy.

When it comes to leasehold conveyancing in Horfield what are the most common lease defects?

Leasehold conveyancing in Horfield is not unique. All leases are unique and legal mistakes in the legal wording can sometimes mean that certain provisions are wrong. For example, if your lease is missing any of the following, it could be defective:

A provision to repair to or maintain parts of the property A provision for the recovery of money spent for the benefit of another party.

You may have difficulties when selling your property if you have a defective lease as they can affect a potential buyer’s ability to obtain a mortgage. Santander, Virgin Money, and Platform Home Loans Ltd all have very detailed requirements when it comes to what is expected in a lease. If a mortgage lender believes that the lease does not cover certain provisions they may refuse to grant the mortgage, obliging the purchaser to withdraw.

I acquired a garden flat in Horfield, conveyancing was carried out half a dozen years ago. Can you let me have an estimated range of the fair premium for a lease extension? Corresponding properties in Horfield with over 90 years remaining are worth £186,000. The ground rent is £55 charged once a year. The lease ceases on 21st October 2075

With just 52 years remaining on your lease we estimate the price of your lease extension to span between £29,500 and £34,000 as well as plus your own and the landlord's "reasonable" professional fees.

The suggested premium range that we have given is a general guide to costs for extending a lease, but we are not able to provide a more accurate figure without more comprehensive investigations. You should not use this information in a Notice of Claim or as an informal offer. There may be additional concerns that need to be considered and clearly you should be as accurate as possible in your negotiations. Please do not move forward based on this information without first getting professional advice.