I am hoping to move into my new home in Timperley 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 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 Part 2 requirements. These requirements are not specific to conveyancing in Timperley.

I am aiming to move home in January. Will my conveyancing solicitor liaise with the removal company on the day of completion. As an aside, can you put forward a removal company in Timperley. Conveyancing solicitor was organised before I stumbled across your page.

On the day of completion you can collect the house keys from the property agent however this should only be done once the sellers lawyers confirm to the agent that they have the completion monies and the keys can be released. After that you can tell the removal men that you are ready to move in. As a matter of policy we do not recommend a specific removal company but can assist you in locating a conveyancing in Timperley or a legal practice with expertise in conveyancing in Timperley.

When it comes to mortgage companies such as Kent Reliance, do Timperley solicitors have to pay a fee to be on the conveyancing panel?

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

Is there a list of Kent Reliance panel solicitors in Timperley on the Council of Mortgage Lender’s Website?

No. There is no such tool on the CML or Building Society Association websites. Very few mortgage companies make their panel listings open the public on the web. Where you are seeking to appoint a Timperley solicitor on the Kent Reliance please make the most of our tool.

The estate agent has sent us the confirmation of our purchase of a new build flat in Timperley. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.

Set out below is a sample of a few leasehold new build enquiries that you should expect your new-build leasehold conveyancing in Timperley

There must be mutual enforceability of lessee’s covenants. The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier?

What are the common defects that you see in leases for Timperley properties?

There is nothing unique about leasehold conveyancing in Timperley. Most leases are drafted differently and legal mistakes in the legal wording can sometimes mean that certain provisions are wrong. The following missing provisions could result in a defective lease:

Service charge per centages that don't add up correctly leaving a shortfall Insurance obligations

You may encounter difficulties when selling your property if you have a defective lease primarily because it impacts on the ability to obtain a mortgage on the property. Halifax, Leeds Building Society, and Nottingham Building Society all have very detailed requirements when it comes to what is expected in a lease. If a mortgage lender believes that the lease does not cover certain provisions they may refuse to provide security, obliging the purchaser to withdraw.

Leasehold Conveyancing in Timperley - Examples of Queries before buying

Are any of leasehold owners in arrears of their service charge payments? How many years are left on the lease? The prefered form of lease structure is a share of the freehold. In this scenario the tenants enjoy being in charge if their destiny and although a managing agent is frequently employed where it is larger than a house conversion, the managing agent retained by the leaseholders.

My mum and dad are unable to locate their Timperley property on the HM Land Registry website. They have a vague recollection 50 years ago when they bought the property there were complications regarding Timperley not being identified on some systems.

Almost all residences in Timperley should be revealed. Have you limited your search with just the postcode. Ordinarily it will identify all the residences inside the postcode. Where recorded it will be there with a title number. Where they bought fifty years ago it's conceivable it may be unrecorded. The property may still be revealed but with the title number identified as 'na'. In this scenario you will need to locate the original title deeds which might be with your parent’s mortgage company.