All was ready to complete my purchase in Port Isaac next Tuesday. My conveyancer now wants me to supply her with proof 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 lender expect the insurance 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 specific to conveyancing in Port Isaac.

We see that you have a post code search directory identifying law firms on the Co-operative conveyancing panel. Do companies pay you a referral fee if I retain them for our conveyancing in Port Isaac?

We are a listing service only for law firms wishing to communicate if they are on the Co-operative conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Port Isaac.

What can a local search reveal about the property my wife and I buying in Port Isaac?

Port Isaac conveyancing often commences with the applying for local authority searches directly from your local Authority or through a personal search company for example Onsearch The local search is essential in every Port Isaac conveyancing purchase; that is if you don’t want any unpleasant once you have moved into your property. The search will provide data on, amongst other things, details on planning applications applicable to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 topic areas.

Are there restrictive covenants that are commonly picked up during conveyancing in Port Isaac?

Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Port Isaac. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’

My fiance is buying a leasehold flat in Port Isaac. He has received an estimate by the conveyancing practitioner connected to the selling agents and it came to £1385 . It was fifteen years ago since I sold and purchased a home and the fee was £495. Have charges really gone up that much?

You should contact two or three local Port Isaac conveyancing solicitors requesting estimates. You should base your selection not just on cost, but on promptness and on how comprehensive the response was.