All was ready to move into my new home in Leagrave and Chalton next Tuesday. My lawyer now wants me to supply her with evidence of content and building insurance for the property as he says that he has to check this in his capacity as lawyer for the mortgage company. What does the insurance need 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 obligations are not specific to conveyancing in Leagrave and Chalton.

I am downsizing from our house in Leagrave and Chalton and according to the buyers it appears that there is a possibility that the property was constructed land that was not decontaminated. Any local conveyancer would know this is not the case. It does beg the question why the purchasers instructed a national conveyancing practice as opposed to a conveyancing solicitor in Leagrave and Chalton. Having lived in Leagrave and Chalton for many years we know of no issue. Should we get in touch with our local Authority to seek clarification that the buyers are looking for.

It sounds as though you may have a conveyancing lawyer currently acting for you. What do they say? You should check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same illness)

I am looking for a leasehold apartment up to £305k and identified one close by in Leagrave and Chalton I like with a park and station nearby, however it only has 51 years unexpired on the lease. There is not much else in Leagrave and Chalton for this price, so just wondered if I would be making a grave error acquiring a short lease?

If you need a mortgage the remaining unexpired lease term will likely be problematic. Discount the offer by the amount the lease extension will cost if it has not already been discounted. If the current proprietor has owned the premises for a minimum of twenty four months you could ask them to start the process of the extension and then assign it to you. You can add 90 years to the current lease term with a zero ground rent applied. You should consult your conveyancing lawyer regarding this matter.

How simple is it to change solicitor as I need to select a firm on the Halifax conveyancing panel. I instructed a high street conveyancing solicitor in Leagrave and Chalton round the corner but he is not accepted by Halifax

It would be our pleasure to help you find a conveyancing solicitor in Leagrave and Chalton on the Halifax panel. Please note that the law firms that we work with do not pay us fee if you instruct them and are regulated by the Solicitors Regulation Authority who oversee all conveyancing solicitors in Leagrave and Chalton. In utilising search facility on this website, you can compare costs for conveyancing solicitors in Leagrave and Chalton and beyond.

Looking forward to sign contracts shortly on a garden flat in Leagrave and Chalton. Conveyancing lawyers have said that they report fully tomorrow. Are there areas in the report that I should be focusing on?

The report on title for your leasehold conveyancing in Leagrave and Chalton should include some of the following:

Advice as to the provision in the lease to to contribute towards maintenance costs - in respect of the block, and the more general rights a tenant has Whether the lease restricts you from letting out the flat, or working from home Whether the landlord has obligations to ensure rights of quiet enjoyment over your property and do you know what it means in practice? The landlord’s rights to access the premises. You should be made aware that your landlord has rights of access as well as be informed how much notice must be provided. Your conveyancers should enable you to have an understanding of the insurance requirements

Leagrave and Chalton Conveyancing for Leasehold Flats - Examples of Questions you should ask before Purchasing

How many of the leaseholders are in arrears for their maintenance charge payments? Can you tell me if there are any major works anticipated that could add a premium to the service charges?