My partner and I are hoping to acquire a house in Plumstead and are in fact using a Plumstead conveyancing firm. Within the last couple of days our solicitor has sent a preliminary report and documents to look through with a view to exchanging next week. The Royal Bank of Scotland have this morning contacted us to inform me that they have now hit a problem as our Plumstead lawyer is not on their approved list of lawyers. What do we do from here?

When purchasing a property with the benefit of a mortgage it is standard for the purchasers' solicitors to also represent the mortgage company. In order to act for a bank or building society a law firm has to be on that lender's conveyancing panel. An application has to be made by the law firm to the lender to become a member of the lender's panel and there are increasingly strict criteria which the firm has to satisfy and indeed some lenders now require their panel members to be part of the Law Society’s Conveyancing Quality Scheme. Your solicitor should contact your bank and see if they can apply for membership of their conveyancing panel, but if that is not viable they will instruct their own solicitors to act. You don't have to instruct a firm on the lender’s conveyancing panel as you are at liberty to use your preferred Plumstead lawyers, in which case your legal fees may increase, and it will likely delay the transaction as you have another set of people involved.

Due to move into my new home in Plumstead next Friday. My property 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 lender. 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 UK Finance Lenders’ Handbook instructions. These obligations are not unique to conveyancing in Plumstead.

Due to the encouragement of my in-laws I had a survey completed on a house in Plumstead prior to retaining lawyers. I have been advised that there is a flying freehold aspect to the property. Our surveyor advised that some mortgage companies may refuse to give a mortgage on this type of home.

It varies from the lender to lender. Bank of Scotland has different instructions from Halifax. If you call us we can check via 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 Plumstead. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Plumstead to see if the conveyancing costs will increase in light of this.

I need to find a conveyancing solicitor for sale conveyancing in Plumstead. I've land on a web site which appears to be the perfect offering If it is possible to get all this stuff done via phone that would be preferable. Should I be concerned? What should out be looking out for?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?

We have been informed by various estate agents to expect up to two months for Plumstead conveyancing to complete.This was four weeks ago. The property information was only sent from the vendors conveyancing practitioner yesterday so does the clock start running now?

One should take with a pinch of salt any assurance as to expedited completion times. Rather you should enquire about the average timeframe to complete Plumstead conveyancing transactions and whether they are willing to aim towards an agreed target date for your conveyancing in Plumstead