Due to move into my new home in Sewardstonebury next Friday. 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 bank. 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 instructions. These obligations are not limited to conveyancing in Sewardstonebury.

Can you explain why leasehold purchase conveyancing in Sewardstonebury is more expensive?

Sewardstonebury leasehold properties involve far more paperwork than a freehold purchase, and therefore takes more time to examine and advise upon.Conveyancing will involve the lease having to be checked which is usually a lengthy document, queries raised to ensure that the covenants and conditions have been observed. If it is a flat there will be a management company in existence and the accounts of this will need to be checked and enquiries raised to ensure it is operating efficiently and that all monies due have been paid by the Seller to the company and if not ensuring that money is paid up to date or the appropriate undertakings obtained.

We are planning to move home in January. Should my conveyancing solicitor call the removal company on the day of completion. Incidentally, can you put forward a removal company in Sewardstonebury. Conveyancing lawyer was chosen prior to coming across this site.

On the day of completion you will need to collect the house keys from your property agent but this should only take place once the previous owners lawyers confirm to the agent that the monies to complete are in and the keys can be given over. You can tell the removal company that you are ready to move in. We do not recommend a particular removal company but can assist you in finding a residential property solicitor in Sewardstonebury or a firm that specialises in conveyancing in Sewardstonebury.

When it comes to lenders such as Kent Reliance, do Sewardstonebury conveyancers incur a fee to be on the conveyancing panel?

We are not aware of any mortgage company fees to be on their panel, although some do levy an administration fee to deal with the processing of the conveyancing panel application.

Two weeks ago we had a mortgage agreed in principle with HSBC. Sewardstonebury conveyancing practitioners are chosen. What is the average time that one could expect to receive a mortgage offer from HSBC?

Some lenders take longer than others. Have HSBC done the survey? Have you advised HSBC as to your lawyers' details and checked that your lawyers are on the HSBC conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.

In my capacity as executor for the estate of my uncle I am disposing of a property in Newport but I am based in Sewardstonebury. My solicitor (who is 250 kilometers from mehas requested that I execute a stat dec ahead of the transaction finalising. Could you suggest a conveyancing lawyer in Sewardstonebury to witness and place their company stamp on the document?

strictly speaking you should not need to have the documents witnessed by a conveyancing solicitor. Normally or notary public or solicitor will suffice regardless of whether they are located in Sewardstonebury

My wife and I have selected a Sewardstonebury conveyancing solicitor for our home move (first time buyers) and have noticed in the terms and conditions that they are not overseen by the FCA. Am I right to be worried or is that standard with property lawyer?

We can't see why they should be. Most conveyancing practitioner don't lend money. They will be regulated by the SRA, who set stringent stipulations regulating amounts deposited by them.