All was ready to complete my purchase in Kew next Thursday. I have now been asked to send a copy of my building insurance schedule by my solicitor 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 mortgage companies 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 limited to conveyancing in Kew.

I have todaydiscovered that Stirling Law have closed. They carried out my conveyancing in Kew for a purchase of a leasehold apartment 9 months ago. How can I establish that the property is not still registered in the name of the previous owner?

The quickest way to check if the premises is registered to you, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Kew conveyancing specialists.

My company is looking to take an assignment of a lease of a shop on the high street. Can you recommend conveyancers offering no-sale-no costs for non-domestic conveyancing in Kew for below 2k?

We are happy to recommend firms who have well rounded knowledge of commercial conveyancing in Kew, including the disposal and acquisition of businesses as well as simply property. If you are looking to purchase or lease a shop, pub, restaurant, office, retail premises or a whole business we will find you the right firm. As for the charges this will depend on the structure and terms of the proposed transaction. Please provide us with your details or phone so as to enable us to provide you with a fixed commercial conveyancing calculation.

My husband and I are novice buyers - had an offer accepted, but the estate agent advised that the vendor will only proceed if we instruct their chosen conveyancers as they want an ‘expedited deal’. We would rather use a family conveyancer used to conveyancing in Kew

We suspect that the owner is unaware of this demand. If they require ‘a quick sale', taking such a hostile approach to a serious buyer is not the way to achieve this. Speak to the vendors direct and explain that (a)you are genuine buyers (b)you are excited to move forward, with finances arranged © you do not need to sell (d) you intend to proceed fast (e)but you will continue to use your preferred Kew conveyancing lawyers - not the ones that will earn their negotiator at the agency a kickback or meet his conveyancing thresholds pre-set by corporate headquarters.

I inherited a 1st floor flat in Kew, conveyancing was carried out 3 years ago. Can you work out an approximate cost of a lease extension? Similar flats in Kew with an extended lease are worth £165,000. The ground rent is £45 invoiced every year. The lease ends on 21st October 50

With just 50 years unexpired the likely cost is going to be between £36,100 and £41,800 plus legals.

The suggested premium range that we have given is a general guide to costs for renewing a lease, but we cannot give you a more accurate figure in the absence of detailed investigations. You should not use this information in a Notice of Claim or as an informal offer. There are no doubt additional issues that need to be considered and you obviously should be as accurate as possible in your negotiations. Neither should you take any other action based on this information before seeking the advice of a professional.