Due to complete my purchase in Cottenham Park next Friday. I have now been asked to send a copy of my building insurance schedule by my solicitor as as she informs me that she is duty bound to validate that it is in order 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 conditions. These obligations are not specific to conveyancing in Cottenham Park.

What does a local search tell me regarding the property I am purchasing in Cottenham Park?

Cottenham Park conveyancing often starts with the applying for local authority searches directly from your local Authority or via a personal search organisations for instance PSG The local search plays an important role in most Cottenham Park conveyancing purchase; that is if you wish to avoid any unpleasant surprises after you move into your new home. The search should provide data on, amongst other things, details on planning applications applicable to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen subject headings.

I am purchasing a new build house in Cottenham Park with the aid of help to buy. The developers refused to reduce the amount so I negotiated £7000 of fixtures and fittings instead. The property agent suggested that I not disclose to my conveyancer about this extras as it will adversely affect my loan with . Is this normal?.

All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.

Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.

Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.

I am selling my property. My former lawyers have shut. I would be grateful for any recommendation of a conveyancing firm. I happen to live in Cottenham Park if that affects matters.

Do use our search tool to help you find a solicitor for your conveyancing in Cottenham Park. We have connected thousands of home buyers and sellers with lender approved solicitors to ensure that the legalities of their house move runs smoothly.

The mortgage broker has recommended their for the conveyancing in Cottenham Park - Surely it’s better to just instruct them?

This is not necessarily the case and you are at liberty to instruct whichever you decide for your Cottenham Park home move. The recommended by a 3rd party adviser may not always be the right , they may put forward their own conveyancing firm who are based far away. In this instance you may not have contact with your and due to the lack of continuity in the transaction, it may be difficult to obtain progress reports.