I am hoping to move into my new home in Shillington next Tuesday. My property lawyer 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 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 requirements are not limited to conveyancing in Shillington.

Despite weeks of looking the Title Certificate and documents to my home are lost. The conveyancers who handled the conveyancing in Shillington 5 years ago have long since closed. What are my next steps?

You no longer need to have the physical official documentation to establish that you own the land or premises, given that the Land Registry hold details of all registered land or property electronically.

What tools are available to search for a Shillington solicitor on the Lloyds TSB Bank conveyancing panel? I have wheels and am willing to travel upto 10miles to meet the conveyancer.

Feel free to make use of the tool on this page. Please pick a mortgage company and your location and you will see a number of Shillington conveyancing lawyers based on proximity. We have detailed some Shillington conveyancing firms towards the end of this page and you can contact them to see if they are on the Lloyds TSB Bank panel

I work for a reputable estate agent office in Shillington where we have witnessed a number of flat sales jeopardised due to leases having less than 80 years remaining. I have been given conflicting advice from local Shillington conveyancing solicitors. Can you confirm whether the owner of a flat can commence the lease extension process for the buyer?

As long as the seller has been the owner for at least 2 years it is possible, to serve a Section 42 notice to kick-start the lease extension process and assign the benefit of the notice to the purchaser. This means that the proposed purchaser can avoid having to wait 2 years for a lease extension. Both sets of lawyers will agree to form of assignment. The assignment needs to be completed prior to, or at the same time as completion of the disposal of the property.

An alternative approach is to agree the lease extension with the freeholder either before or after the sale. If you are informally negotiating there are no rules and so you cannot insist on the landlord agreeing to grant an extension or transferring the benefit of an agreement to the buyer.

I own a basement flat in Shillington, conveyancing formalities finalised April 2009. How much will my lease extension cost? Equivalent properties in Shillington with over 90 years remaining are worth £192,000. The average or mid-range amount of ground rent is £55 per annum. The lease terminates on 21st October 2079

With only 54 years unexpired we estimate the premium for your lease extension to range between £32,300 and £37,400 plus plus your own and the landlord's "reasonable" professional fees.

The suggested premium range above a general guide to costs for extending a lease, but we cannot give you a more accurate figure in the absence of detailed investigations. You should not use this information in a Notice of Claim or as an informal offer. There are no doubt other concerns that need to be taken into account and you obviously want to be as accurate as possible in your negotiations. Neither should you take any other action based on this information before getting professional advice.

If instructed can a conveyancer remove a person from the title of my home in Shillington ?

Subtracting or adding someone to the title of your home is relatively straightforward. You’ll need to appoint a solicitor to discuss your legal rights before you can proceed with a transfer of property. Contact us to book a free consultation with one a property lawyer