All was ready to complete my purchase in Maldon next Tuesday. My lawyer 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 bank. 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 instructions. These obligations are not specific to conveyancing in Maldon.

There is lots of here concerning conveyancing in Maldon but can you isolate your top tip for appointing the right conveyancer in Maldon

Do not opt for the cheapest Maldon conveyancing quote. You really do get what you pay for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you go into the conveyancing with your eyes wide open.

I am assisting my step-mother sell her house in Maldon. Will the conveyancing solicitor order an energy performance certificate or it is for me to coordinate?

After the demise of Home Information Packs, EPC’s remained a compulsory component of moving house. An energy performance certificate should be commissioned prior to the property being placed on the market. This is not something that conveyancers ordinarily organise. Where you are instructing a Maldon conveyancing solicitor they may be willing to arrange EPC’s given their contacts with reputable Maldon energy assessors

I'm in the throws of viewing houses in Maldon and I am about to put in an offer. Should I already have a conveyancer appointed at this point? I will be getting a home loan with Yorkshire BS.

It would be prudent to start your search sooner rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their contact information on to the estate agent. Given that you are obtaining a mortgage with Yorkshire BS, ask your prospective lawyers if they are on the Yorkshire BS conveyancing panel otherwise they can't do the mortgage legal work.

Due to the encouragement of my in-laws I had a survey completed on a property in Maldon prior to instructing conveyancers. I have been told that there is a flying freehold overhang to the house. My surveyor has said that some mortgage companies will refuse to issue a mortgage on this type of house.

It depends who your proposed lender is. Bank of Scotland has different requirements for example to Nationwide. If you contact us we can investigate further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Maldon. Conveyancing will be smoother if you use a solicitor in Maldon especially if they are accustomed to such properties in Maldon.

I am hoping to complete next month on a studio apartment in Maldon. Conveyancing lawyers assured me that they will have a report out to me tomorrow. What should I be looking out for?

Your report on title for your leasehold conveyancing in Maldon should include some of the following:

Defining your legal entitlements in respect of the communal areas in the building.E.G., does the lease permit a right of way over an accessway or hallways? Repair and maintenance of the property You need to be told what is to be regarded as a Nuisance as far as the lease is concerned 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. You would want to be sent a copy of the lease

Maldon Conveyancing for Leasehold Flats - A selection of Questions you should ask before Purchasing

Best to be warned whether window replacement or some other significant cost is coming up to be shared between the leasehold owners and may well materially increase the the service fees or result in a one off payment. How long is the Lease? How many of the leaseholders are in arrears for their maintenance charge payments?

Me and my husband have agreed a price on a Maldon apartment we inherited six years ago in 2009. I have over ten years conveyancing experience and, now retired, see no reason not to conduct the conveyancing. The buyer's lawyer has informed me that their bank will not allow you to do your own conveyancing mandating that the funds to be released via a solicitor's bank account.

Mortgage requirements to conveyancers from all CML members specify that If the seller is not legally represented the buyer’s lawyers should check whether the lender needs to be told so that a decision can be reached as to whether they are prepared to proceed.