Due to move into my new home in Ravensthorpe next Monday. My conveyancer 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 lender. What risks does the lender expect the insurance to cover?

All property lawyers 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 Ravensthorpe.

Do I need to visit the offices of the solicitor to execute the mortgage deed? If so, I will choose one who does conveyancing in Ravensthorpe so that I can attend their offices if necessary.

As opposed to 12 years ago, the vast majority banks no longer require their conveyancing panel solicitor to witness the borrowers signature. It will still be necessary for you to supply ID documents and there are still manifest benefits to instructing a locally based practitioner, in your situation a conveyancing solicitor in Ravensthorpe.

Are there restrictive covenants that are commonly identified during conveyancing in Ravensthorpe?

Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the process of conveyancing in Ravensthorpe. 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…’

About to purchase a new build flat in Ravensthorpe. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.

Set out below are examples of a selection of leasehold new build questions that you may expect your new-build leasehold conveyancing in Ravensthorpe

Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease. Please supply a car parking plan. The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. Please confirm the Lease plans are architect prepared.

My husband and I are four weeks into a residential purchase having been directed to a firm by the high street agent to do our conveyancing in Ravensthorpe. I am am starting to be frustrated with the quality of service. Could you help me find new solicitors?

A solicitor would have to be very poor to suggest replacing them. Has the mortgage offer been generated? If so you must inform them of the new contact details and get the mortgage documents are re-sent. The conveyancer should be on the lenders approved list to avoid escalating expenses and frustration. That should be your starting point. The search tool can help you find a bank approved lawyer for your conveyancing in Ravensthorpe