I am hoping to complete my purchase in Parbold 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 lender. What does the insurance need 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 UK Finance Lenders’ Handbook instructions. These obligations are not unique to conveyancing in Parbold.

My grandfather passed away six months ago and as sole heir and executor I was left the house in Parbold. The house had a small mortgage remaining of approximately £4500. I want to transfer the title deeds into my name whilst I re-mortgage to , pay off the mortgage. Is this possible?

Given you intend to re-mortgage then will insist on your using a conveyancer on the conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the mortgage is registered as a charge at the Land Registry.

We are purchasing a house and the lawyer has referenced Chancel Repair for which the property may be liable as it falls into the area of such a church. She has mentioned insurance. Is this strictly required for conveyancing in Parbold

Unless a previous purchase of the property took place post 12 October 2013 you could assume that lawyers handling conveyancing in Parbold to continue to suggest a chancel search and or chancel repair liability insurance.

I have been on the look out for a leasehold apartment up to £305k and found one round the corner in Parbold I like with a park and railway links nearby, the downside is that it's only got 61 years unexpired on the lease. There is not much else in Parbold suitable, so just wondered if I would be making a grave error purchasing a short lease?

Should you need a home loan the remaining unexpired lease term may be problematic. Reduce the price by the anticipated lease extension will cost if not already taken into account. If the current proprietor has owned the property for a minimum of 2 years you may request that they start the process of the extension and pass it to you. You can add 90 years to the existing lease with a zero ground rent applied. You should speak to your conveyancing solicitor regarding this matter.

My partner is purchasing a garden flat in Parbold. He was given a quote by the connected to the selling agents and it came to £1385 . It was eight years ago since I sold and purchased a home and the bill was £500. Have fees really gone up that much?

What does the conveyancing estimate include? Is it just for the legal fees, or what you will be paying in total (for instance Parbold searches, land registry fees, etc)