I am hoping to move into my new home in Narborough next Monday. My lawyer now wants me to supply her with evidence 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 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 requirements. These requirements are not specific to conveyancing in Narborough.

Forgive me if this question is silly but I am unseasoned as FTB of a two bedroom flat in Narborough. Do I receive the keys to the house on completion from my lawyer? If so, I will use a local conveyancing solicitor in Narborough?

There is no need to visit the lawyers office on the day of completion. Conveyancing lawyers for you will transfer the completion advance to the seller's solicitors, and once they have received this, you will be able to pick up the keys from the property Agents and move into your new home. Usually this occurs between 1 and 3pm.

We had chosen solicitors locally in Narborough on the Kent Reliance solicitor approved list. They are now charging me a separate fee for handling the Kent Reliance mortgage. Is this an additional conveyancing fee specified by Kent Reliance?

As unfair as it may appear, as long as it’s in their Terms and Conditions or Quote then yes your lawyer may charge a fee for this. This fee is not dictated by Kent Reliance but by your Narborough solicitor. Plenty of firms on the Kent Reliance panel will quote ’dealing with mortgage’ fee and others do not.

I am buying a property in Narborough. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Clydesdale be concerned?

As your lender is Clydesdale your lawyer must check the conveyancing requirements contained in Section two of UK Finance Lenders’ Handbook for Clydesdale. The Council of Mortgage Lenders’ Handbook sets out minimum requirements for solar panel roof-space leases, and property lawyers are required to report to Clydesdale where a lease fails to satisfy these provisions. The provisions relate to the installation of panels on properties countrywide and is not restricted to Narborough.

I've recently found out that there is a flying freehold issue on a property I put an offer in last month in what should have been a straight forward, no chain conveyancing. Narborough is the location of the property. Can you shed any light on this issue?

Flying freeholds in Narborough are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Narborough you would need to get your solicitor to go through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Narborough may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.

Should I be wary that third parties that I am dealing with are encouraging me to use a web based conveyancing firm as opposed to a High Street Narborough conveyancing company?

As with lots of professional services, often recommendations from connections can be extremely useful or valuable. Nevertheless there are lots of people with a vested interest in a conveyancing transaction; estate agents, mortgage brokers and mortgage companies may suggest solicitors to appoint. On occasion these lawyers might be known to one of the organisations as experts in their field, but sometimes there might be a commercial relationship behind the recommendation. You have the discretion to choose your own lawyer. Don't forget that some lenders specify a panel list of conveyancers you must use for the mortgage aspect of your conveyancing.

I'm purchasing a bungalow in Narborough. I have found my conveyancer's company on the Law Society's list, but I can't locate my conveyancer's name as listed on the regulator's website. Is this a big problem?

Not every individual in the law firm 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.