Due to move into my new home in Mobberley next Thursday. My property 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 risks does the bank expect the insurance 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 UK Finance Lenders’ Handbook instructions. These requirements are not limited to conveyancing in Mobberley.

It is a dozen years since I purchased my house in Mobberley. Conveyancing solicitors have now been instructed on the sale but I can't track down the title documents. Will this jeopardise the sale?

Don’t worry too much. First the deeds may be retained by your lender or they may stored with the lawyers who oversaw your purchase. Secondly the chances are that the land will be registered at the land registry and you will be able to prove you are the registered owner by your conveyancing solicitors obtaining up to date copy of the land registers. Nearly all conveyancing in Mobberley relates to registered property but in the rare situation where your property is not registered it is more of a problem but is resolvable.

I've recently found out that there is a flying freehold issue on a property I put an offer in two weeks back in what was supposed to be a straight forward, chain free conveyancing. Mobberley is the location of the property. Can you shed any light on this issue?

Flying freeholds in Mobberley are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Mobberley you would need to get your solicitor to go through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Mobberley may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.

My uncle has suggested that I instruct his conveyancing solicitors in Mobberley. Do I take his guidance?

Much as we are happy to recommend a Mobberley conveyancing lawyer the best way to select a conveyancing lawyer is to have guidance from friends or family who have actually previously instructed the conveyancer that you are are thinking of instructing.

Would local authority permission be needed to split a house into two appartments in Mobberley? This has been carried out to a property opposite to my home in Mobberley and was not aware of it happening until after the works were complete.

Planning consent is necessary for converting a single house in Mobberley into flats but possibly not for reverting back to single dwelling-house so, simply put, yes.