Due to move into my new home in New Rossington next Thursday. 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 mortgage company. What risks does the mortgage company 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 Part 2 conditions. These obligations are not specific to conveyancing in New Rossington.

My uncle passed away 10 months ago and as sole heir and executor I was left the house in New Rossington. The house had a relatively small loan remaining of approximately £8000. I want to have the title changed into my name whilst I re-mortgage to Nottingham, pay off the mortgage. Is this allowed?

Where you intend to refinance then Nottingham will insist on your using a conveyancer on the Nottingham conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Nottingham conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Nottingham mortgage is registered as a charge at the Land Registry.

Me and my brother own a terraced Georgian property in New Rossington. Conveyancing lawyer acted for me and Yorkshire Building Society. I happened to do a free search for it on the Land Registry database and I saw two entries: the first freehold, the second leasehold under the matching property. If a house is not a freehold shouldn't I have been informed?

You should assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in New Rossington and other areas of the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also enquire as to the situation with your conveyancing lawyer who conducted the conveyancing.

My husband and I are FTB’s - agreed a price, yet the estate agent told us that the owners will only issue a contract if we appoint the agent's recommended lawyers as they want an ‘expedited deal’. Our preferred option is to instruct a family conveyancer with experience of conveyancing in New Rossington

We suspect that the seller is unaware of this requirement. If they desire ‘a quick sale', turning down a motivated purchaser is counter productive. Avoid the agents and go straight to the sellers and make the point that (a)you are genuine buyers (b)you are ready to progress, with finances in place © you are unencumbered (d) you wish to move quickly (e)but you will continue to appoint your preferred New Rossington conveyancing firm - rather thanthe ones that will provide their estate agent a introducer fee or meet his conveyancing targets pre-set by senior management.

Due to exchange soon on a studio apartment in New Rossington. Conveyancing lawyers have said that they report fully within the next couple of days. What should I be looking out for?

Your report on title for your leasehold conveyancing in New Rossington should include some of the following:

What options are open to you if a neighbour breaches a clause of their lease? You should have a good understanding of the building insurance requirements The landlord’s rights to access the premises. You should be made aware that your landlord has rights of access as well as be informed how much notice must be provided. How long the lease is. You should receive guidance as what happens when the lease ends, and aware of the importance of the 80 year mark You should be advised what constitutes a Nuisance in the lease

Leasehold Conveyancing in New Rossington - Examples of Questions you should consider Prior to buying

It would be wise to find out if there is anything that is prohibited in the lease. By way of example it is very common in New Rossington leases that pets are not permitted in in a block in New Rossington. If you like the propertyin New Rossington yet your dog can’t make the move with you then you will be faced hard choice. Is the freehold reversion owned jointly by the leaseholders? Its a good idea to discover as much as possible regarding the managing agents as they will impact your use and enjoyment of the property. Being a leasehold owner you are often at the mercy of the managing agents both financially and when it comes to practical matters like the upkeep of the communal areas. Ask other tenants if they are happy with their service. On a final note, be sure you discover the dates that you are obliged pay the maintenance charge to the managing agents and specifically what you get for your money.