I am hoping to move into my new home in Bexleyheath 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?

All property lawyers on acting for mortgage companies 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 unique to conveyancing in Bexleyheath.

Is it the case that all Bexleyheath solicitor firms on the conveyancing panel are regulated by the SRA?

As solicitors, in order to be on the approved list of solicitors they would need to be regulated by the SRA. Some mortgage companies do allow licenced conveyancers on their panel in which case such practice would be overseen by the CLC.

We have a mortgage agreed in principle with . Bexleyheath conveyancing lawyers are chosen. How long does it take for to forward the offer to the ?

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

Our sealed bid on a semi in Bexleyheath has been accepted, but there is a chain. The sellers have placed an offer on a property, however it’s not yet tied up, and have viewings of other flats booked. I have selected a local conveyancing solicitor in Bexleyheath. What do I do now? When do I get the mortgage application with going?

It is usual to have concerns where there is a chain as you are unlikely to want to incur expenses too early (home loan application is approx £1k, then valuation, Bexleyheath conveyancing search fees, etc). First, you should check that your is on the conveyancing panel. As to the subsequent stages this very much dictated by the specifics of your transaction, attraction to the property and on the state of the market. In a rising market the majority of home buyers will apply for the mortgage with and pay for the valuation and only if it comes back ok would they pay their to proceed with searches.

We are downsizing from our property in Bexleyheath and according to the buyers it appears that there is a possibility that the property was built land that was not decontaminated. A high street Bexleyheath lawyer would know that there is no such problem. For the life of me I don't know why the purchasers instructed a web based conveyancing practice rather than a conveyancing solicitor in Bexleyheath. We have lived in Bexleyheath for 5 years we know that this is a non issue. Should we contact our local Authority to seek clarification need.

It would appear that you have a conveyancing solicitor already. What do they say? You should check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same ailment)

The estate agent has sent us the confirmation of our purchase of a new build apartment in Bexleyheath. Conveyancing is necessary evil 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.

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

Please confirm the Lease plans are architect prepared. The Vendor must covenant to keep unoccupied units in good repair until long leases are granted therefore. Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease. 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?

I'm purchasing a house in Bexleyheath. I can find my conveyancer's company on the Law Society's list, but I can't locate my lawyer's name as listed on the regulator's website. Should I be concerned?

Not every individual in the practice must be listed by the regulator. As long there is someone qualified to 'oversee' the work, the actual day-to-day activity can be undertaken by unqualified staff.