My fiance and I are hoping to buy a house in Moreton and have appointed a Moreton conveyancing firm. Within the past 48 hours our property lawyer has sent a preliminary report and documents to look through with the expectation that exchange is imminent. National Westminster Bank have this evening contacted us to advise us that they have now hit a problem as our Moreton conveyancer is not on their conveyancing panel. Please explain?

When purchasing a property with mortgage finance it is standard for the purchasers' solicitors to also act for the mortgage company. In order to act for a bank or building society a law firm has to be on that lender's conveyancing panel. An application has to be made by the law firm to the lender to become a member of the lender's panel and there are increasingly strict criteria which the firm has to satisfy and indeed some lenders now require their panel members to be part of the Law Society’s Conveyancing Accreditation Scheme. Your property lawyer should contact your lender and see if they can apply for membership of their conveyancing panel, but if that is not viable they will instruct their own lawyers to represent them. You are not legally obliged to appoint a law firm on the bank's conveyancing panel as you are at liberty to use your preferred Moreton lawyers, in which case your legal fees may increase, and it will likely delay the transaction as you have another set of people involved.

Due to move into my new home in Moreton next Monday. 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 lender. What does the insurance need 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 Part 2 instructions. These requirements are not unique to conveyancing in Moreton.

Is there anything unique about your site and other online quote calculators for conveyancing in Moreton?

At this site obtain an accurate quote from a Solicitor or Licensed Conveyancer that appreciates the issues for your conveyancing in Moreton. As opposed to estate agents and many comparison sites we do not have referral deals with solicitors. Some agents and online brokers 'recommend' the firm who pay the highest per referral, as opposed to the best value conveyancing in Moreton

My partner has urged me to instruct his conveyancing solicitors in Moreton. Do I follow his recommendation?

There are no two ways about it the ideal way to choose a conveyancing practitioner is to get guidance from friends or relatives who have actually experience in using the firm you're considering.

Can I discover who is the owner of a house in Moreton?

Assuming that the property is registered with HMLR, and you have requisite details of the address of the property, you will be able to obtain results from the HM Land Registry of the registered owner for a for less than a fiver.