All was ready to move into my new home in Rogerstone next Monday. I have now been asked to send a copy of my building insurance schedule by my solicitor as he says that he has to check this in his capacity as lawyer for the mortgage company. What risks does the mortgage company expect the insurance 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 requirements. These obligations are not limited to conveyancing in Rogerstone.

Can your site be used to recommend a Conveyancing solicitor in Rogerstone even where I’m not purchasing or disposing of a house, for example if I intend to acquire an office in Rogerstone with a loan from The Mortgage Works?

Our comparison service is primarily used to find domestic conveyancing solicitors in Rogerstone but we have listed at the bottom of this page a selection of Rogerstone commercial conveyancing firms. You should make contact with the solicitors directly to see if they can also act for The Mortgage Works

I am buying my first flat in Rogerstone with a mortgage from Barclays Direct. The builders would not move on the price so I negotiated 6k of extras instead. The sale representative advised me not reveal to my conveyancer about this extras as it may impact my mortgage with the bank. Should I keep quiet?.

All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.

Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.

Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.

I am looking for a leasehold apartment up to £195,000 and identified one near me in Rogerstone I like with open areas and station in the vicinity, however it's only got 49 years on the lease. I can't really find anything else in Rogerstone in this price bracket, so just wondered if I would be making a mistake buying a short lease?

Should you need a mortgage that many years may be an issue. Discount the offer by the expected lease extension will cost if not already taken into account. If the current proprietor has owned the property for a minimum of twenty four months you may ask them to start the process of the extension and pass it to you. You can add 90 years to the existing lease term and have £0 ground rent by law. You should consult your conveyancing solicitor about this matter.

Taking into account that I am about to part with 450k on a terraced house in Rogerstone I would like to have a conversation with the solicitor concerning theconveyancing prior to instructing the firm. Is this something that you can arrange?

This is something that we encourage - it is our preference to talk to you we do not take any clients on without you speaking to the solicitor who will be carrying out your conveyancing in Rogerstone.There is no ‘factory style conveyancing’ - each client is unique individual, not a file number. The practices that we put you in touch with believe that the figure you are provided with for residential conveyancing in Rogerstone should be the figure that you end up paying.