Due to complete my purchase in Wallington next Tuesday. My lawyer now wants me to supply her with proof of content and building insurance for the property as as she informs me that she is duty bound to validate that it is in order for the lender. What risks does the mortgage company expect the insurance 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 requirements. These obligations are not limited to conveyancing in Wallington.

My wife and I purchased a renovated Edwardian house in Wallington. Conveyancing solicitor acted for me and Halifax. I did a free Land Registry search last week and there are two entries: one for freehold, the second leasehold under the matching address. If a house is not a freehold shouldn't I have been informed?

You should read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Wallington and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with buyers. You can also check the situation with your conveyancing practitioner who conducted the work.

About to purchase a new build flat in Wallington. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.

Here are examples of a few leasehold new build enquiries that you can expect your new-build leasehold conveyancing in Wallington

Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore. Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. Please provide evidence that the form of Lease proposed has been approved by the Land Registry.

I have been recommended by a couple of local property agents in Wallington to locate a property lawyer on your site. Is there a financial inducement for Estate Agents to market your lawyers over and above alternative conveyancing organisations?

We don’t give any commission for pointing buyers and sellers in our direction. We thought it would be too underhand to pay a commission as home movers will think, ‘How come the agent getting a kickback? Why aren’t I receiving any benefit too?’ So we decided to step away from that.

In sourcing the web for the term conveyancing in Wallington it reveals many conveyancersin the area. With so much choice what is the best way to find the suitable property lawyer for purchase transaction?

The best method of finding a suitable conveyancer is through a trusted recommendation, so ask colleagues and those you trust who have bought a property in Wallington or the respected estate agent or financial adviser. Fees for conveyancing in Wallington vary, so it's a good idea to obtain at least four quotes from different conveyancers. Be sure to secure confirmation that the charges are assured not to to be inflated.