I am hoping to move into my new home in Horsford next Monday. My 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 lender. What risks does the mortgage company expect the insurance to cover?

All property lawyers 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 UK Finance Lenders’ Handbook requirements. These obligations are not limited to conveyancing in Horsford.

We see that you have a post code search directory listing solicitors on the conveyancing panel. Do firms pay you a commission if I instruct them for our conveyancing in Horsford?

We are a listing service only for law firms wishing to communicate if they are on the conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Horsford.

I'm buying my first flat in Horsford benefiting from help to buy. The builders refused to move on the price so I negotiated £7000 of fixtures and fittings instead. The property agent told me not reveal to my conveyancer about the side-deal as it could impact my loan with the bank. Is this normal?.

All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.

Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.

Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.

I opted to have a survey completed on a property in Horsford ahead of appointing solicitors. I have been advised that there is a flying freehold element to the property. My surveyor advised that some lenders will not give a loan on such a premises.

It varies from the lender to lender. Santander has different instructions from Halifax. Should you wish to telephone us we can check with the appropriate lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Horsford. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Horsford to see if the conveyancing will be more expensive.

I'm remortgaging my current home to a BTL mortgage with and intend to use the remaining equity as a deposit on another house. The neighborhood we are talking about is Horsford. Will your conveyancers be able to act for both sets of lenders and tie in the two deals?

Make use of our search tool on this site to ensure that the lawyers are approved by both lenders. On the basis that they are the lawyer should be able to connect the two deals but you should talk with you conveyancer and specify your expectations and requirements.