I am hoping to move into my new home in Crawley Down next Tuesday. 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 risks does the lender expect the insurance to cover?

All property lawyers 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 UK Finance Lenders’ Handbook conditions. These obligations are not limited to conveyancing in Crawley Down.

We note that you have a post code search directory identifying law firms on the conveyancing panel. Do companies pay you a referral fee if I instruct them for our own conveyancing in Crawley Down?

We are a listing service only for law firms wishing to communicate if they are on the conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Crawley Down.

I am buying a new build house in Crawley Down with a loan from . The builders refused to reduce the price so I negotiated five thousand pounds worth of additionals instead. The estate agent suggested that I not to tell my conveyancer about the side-deal as it would jeopardize my loan with the lender. Do I keep my lawyer in the dark?.

All lenders require a Disclosure of Incentives Form from the builder 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 looking for a flat up to £195,000 and identified one round the corner in Crawley Down I like with amenity areas and transport links nearby, the downside is that it only has 61 years unexpired on the lease. There is not much else in Crawley Down in this price bracket, so just wondered if I would be making a mistake buying a lease with such few years left?

Should you require a mortgage the shortness of the lease may be problematic. Discount the offer by the expected lease extension will cost if not already taken into account. If the current owner has owned the property for a minimum of twenty four months you may request that they start the process of the extension and pass it to you. An additional ninety years can be extended on to the existing lease term with a zero ground rent applied. You should consult your conveyancing solicitor regarding this matter.

I am using a search engine for the words conveyancing in Crawley Down it brings up numerous solicitorsin the vicinity. With so much choice what is the best way to find the right conveyancing solicitor for my move?

The best method of finding the right conveyancer is through a personal testimonial, so enquire of friends and those you trust who have bought a property in Crawley Down or a respected estate agent or financial adviser. Charges for conveyancing in Crawley Down differ, so it's a good idea to secure at least three costs illustrations from varying types of property lawyers. Dont forget to clarify that the fees are fixed.