I am hoping to move into my new home in Ladbroke Grove 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 mortgage company. What risks does the mortgage company expect the insurance to cover?

Any lawyer 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 Part 2 conditions. These requirements are not limited to conveyancing in Ladbroke Grove.

About to purchase a new build flat in Ladbroke Grove. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.

Here is a sample of a few leasehold new build enquiries that you may expect your new-build leasehold conveyancing in Ladbroke Grove

Please supply evidence that the form of Lease proposed has been approved by the Land Registry. The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified.

Over the last few months I have been searching for a flat up to £195,000 and found one round the corner in Ladbroke Grove I like with a park and transport links in the vicinity, however it only has 52 years on the lease. There is not much else in Ladbroke Grove for this price, so just wondered if I would be making a grave error acquiring a lease with such few years left?

If you need a home loan that many years may be problematic. Discount the offer by the amount the lease extension will cost if not already taken into account. If the current owner has owned the premises for at least 2 years you may request that they commence the lease extension formalities and pass it to you. An additional ninety years can be extended on to the existing lease term and have £0 ground rent by law. You should consult your conveyancing lawyer regarding this.

I need to appoint a conveyancing solicitor for remortgage conveyancing in Ladbroke Grove. I have stumble upon a site which looks to be the perfect offering If it is possible to get all formalities done via email that would be ideal. Should I be wary? What should out be looking out for?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?

Should I be concerned if there is a problem with the searches conducted as part of my conveyancing in Ladbroke Grove?

On the whole, almost all problems arising from Ladbroke Grove conveyancing search responses can be handled before completion or indemnity insurance can be taken. You need to remember that regardless of the fact that you intend on acquiring the premises and might be content to live with the search results, your lender may not, and when all said and done the decision rests with them.