Due to move into my new home in Marks Gate next Friday. 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 does the insurance need 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 Marks Gate.

I have been recommended a conveyancing solicitor in Marks Gate. I I am struggling to find out whether they are on the conveyancing panel. Could you help?

The first thing to do is contact the lawyer and ask them whether they are on the lender panel. Otherwise please call who may be able to confirm.

This question may be naive but I am new to the home moving as a 1st time buyer of a garden flat in Marks Gate. Do I pick up the keys to the house on the completion date from my solicitor? If so, I will instruct a High Street conveyancing solicitor in Marks Gate?

On the day of completion you do not need to go to the conveyancers office in Marks Gate. Your solicitors will transfer the completion advance to the vendor’s conveyancers, and shortly after the monies have arrived, you will be called to pick up the keys from the selling Agents and move into your new home. This tends to happen early afternoon.

Does a directory service exist listing panel solicitors in Marks Gate on the UK Finance Lenders’ Handbook Website?

Unfortunately not yet. There is no such directory service on the CML or Building Society Association websites. Very few banks make their panel listings visible over the internet. Where you are looking for a Marks Gate on the please use our tool.

I am expecting a AIP from this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do recommend any Marks Gate solicitors on the conveyancing panel, or is it better to find our own lawyer?

You will need to appoint Marks Gate solicitors independently although you'll need to choose one on the conveyancing panel. The solicitor represents both you and through the process.

I require fast conveyancing in Marks Gate as I have an ultimatum to exchange contracts within one month. Fortunately I do not need a mortgage. Can I decline from having conveyancing searches to save money and time?

As you are not taking a mortgage you are at free not to do searches although no solicitor would advise that you don't. With plenty of history conveyancing in Marks Gate the following are examples of issues that can arise and adversely impact market value: Refused Planning Applications, Overdue Fees, Overdue Grants, Road Schemes,...

I have noted on a number of online forums that before choosing a conveyancing firm they must be approved by your mortgage company. I am new to the process but I have an offer in principle from HSBC and I already have a bricks and morter conveyancing solicitor in Marks Gate on standby. Does Birmingham Midhshires require an approved lawyer to be used? If so, where can I find that list for my conveyancing in Marks Gate?

You need to use a solicitor that is on the Birmingham Midhshires panel. The simplest thing to do is telephone your chosen Marks Gate conveyancing lawyer to check if they are on the Birmingham Midhshires panel. If they are not on the panel you have a couple of options open to you here:

• Carry on with your existing Marks Gate but Birmingham Midhshires will no doubt retain a from their approved panel. The net impact is additional charges together with probable frustration.
• Get a new to act in the purchase, making sure they are on the Birmingham Midhshires conveyancing panel.
• Appeal to your to seek to join the mortgage company panel.