Due to move into my new home in Sea Mills next Monday. My lawyer 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 does the insurance need to cover?

Any lawyer on acting for banks 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 Sea Mills.

We are aiming to move property in January. Should my conveyancing solicitor communicate with the removal company on the day of completion. As an aside, can you put forward a removal company in Sea Mills. Conveyancing lawyer was found before I stumbled across your site.

On the day of completion you can collect the keys from your property agent however this can only happen once the sellers solicitors inform the agent that they have the completion monies and the keys can be released. Subsequently you should inform the removal men that you are ready to move in. As a matter of policy we do not suggest a specific removal organisation but can help you find a residential property solicitor in Sea Mills or a solicitor that specialises in conveyancing in Sea Mills.

How can we know in advance if a Sea Mills conveyancing solicitor on the Kent Reliance panel is any good?

When it comes to conveyancing in Sea Mills obtaining recommendations is a good starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one advertising the lowest fees. We would always recommend that you speak with the solicitor conducting your transaction.

HSBC have agreed my home loan in principle, my bid on a apartment in Sea Mills has been accepted, what are the next steps?

The estate agent will need to be informed of your lawyer's details (ensure that the conveyancing practitioners are on the bank’s panel). Telephone HSBC or the financial adviser and finalise any outstanding forms. HSBC will appoint a valuer who will get in touch with the estate agent or owners to arrange an appointment. Once conducted (assuming no problems) it takes approximately ten days for the mortgage offer to be issued. HSBC will send the offer to you and your property lawyers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Sea Mills.

Are there restrictive covenants that are commonly identified as part of conveyancing in Sea Mills?

Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Sea Mills. 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…’

Am I best advised to instruct a Sea Mills conveyancing practitioner in close proximity to the house I am hoping to buy? I have an old university friend who can perform the legal formalities however they are based approximately 350miles away.

The primary upside of using a high street Sea Mills conveyancing firm is that you can drop in to sign documents, present your identification documents and pester them if necessary. They will also have local insight which is a benefit. That being said it's more important to get someone that will pull out all the stops for you. If if people you trust used your friend and in the main were content that should surpass using an unfamiliar Sea Mills conveyancing solicitor solely due to them being local.

All being well we will complete our sale of a £425,000 garden flat in Sea Mills on Thursday in a week. The managing agents has quoted £372 for Certificate of Compliance, building insurance schedule and 3 years service charge statements. Is the landlord entitled to charge such fees for a leasehold conveyance in Sea Mills?

Sea Mills conveyancing on leasehold flats often necessitates the buyer’s solicitor sending questions for the landlord to answer. Although the landlord is under no legal obligation to respond to such questions most will be willing to assist. They are at liberty to levy a reasonable administration fee for answering enquiries or supplying documentation. There is no upper cap for such fees. The average costs for the paperwork that you are referring to is over three hundred pounds, in some transactions it is above £800. The management information fee levied by the landlord must be sent together with a summary of entitlements and obligations in respect of administration charges, otherwise the charge is technically not due. Reality however dictates that one has little option but to pay whatever is demanded if you want to complete the sale of your home.

Sea Mills Leasehold Conveyancing - Sample of Questions you should consider Prior to buying

What is the yearly maintenance fee and ground rent? Best to be warned if fixing the lift or some other major work is coming up to be shared between the leasehold owners and could well dramatically increase the the service costs or necessitate a specific invoice. Can you inform me if there are any major works anticipated that will likely add a premium to the maintenance charges?