All was ready to complete my purchase in Pocklington 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 conditions. These obligations are not specific to conveyancing in Pocklington.

I am buying a house and require a conveyancing solicitor in Pocklington who is on the Godiva Mortgages Ltd approved. Could you point me in the right direction as regards a solicitor?

Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Godiva Mortgages Ltd in certain locations such as Pocklington. We dont recommend any particular firm.

I opted to have a survey carried out on a house in Pocklington in advance of retaining solicitors. I have been informed that there is a flying freehold element to the property. The surveyor has said that some mortgage companies may refuse to issue a loan on a flying freehold premises.

It depends who your proposed lender is. HSBC has different instructions from Nationwide. If you call us we can check via the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Pocklington. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Pocklington to see if the conveyancing costs will increase in light of this.

My husband and I are 18 days into a residential purchase having been directed to conveyancers by the local agent to handle our conveyancing in Pocklington. I am am extremely frustrated with the quality of service. Could you help me find new solicitors?

They would have to be very poor to suggest changing them. Has your loan offer been generated? If so you need to make them aware of the replacement solicitor and have the offer are issued to the new lawyers. Your new conveyancer should be on the banks panel to avoid added charges and delays. So that should be your first question of the new solicitors. The search tool will help you find a bank approved solicitor for your home move in Pocklington

Expecting to complete next month on a leasehold property in Pocklington. Conveyancing solicitors inform me that they report fully next week. What should I be looking out for?

The report on title for your leasehold conveyancing in Pocklington should include some of the following:

Whether the landlord has obligations to ensure rights of quiet enjoyment over your property and do you know what it means in practice? Repair and maintenance of the flat Who has the liability to repair and maintain the block. It is essential for you to know who is liable for the repair and maintenance of all parts of the block and estate Does the lease prohibit wood flooring? Where does the liability rest for repairing the window frames

Pocklington Conveyancing for Leasehold Flats - Sample of Queries Prior to buying

What restrictions exist in the Pocklington Lease? Are any of leasehold owners in dispute over their service charge liability?