Due to move into my new home in Niton next Tuesday. My 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 risks does the bank expect the insurance to cover?

All property lawyers on acting for mortgage companies 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 specific to conveyancing in Niton.

Despite weeks of looking the Title Certificate and documents to our property can not be found. The solicitors who handled the conveyancing in Niton 4 years ago no longer exist. What are my options?

Gone are the days when you need to hold title original deeds to prove you are the registered proprietor of land or premises, given that the Land Registry hold details of all registered land or property electronically.

The estate agent has sent us the confirmation of our purchase of a new build apartment in Niton. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.

Set out below is a sample of a selection of leasehold new build enquiries that you may expect your new-build leasehold conveyancing in Niton

If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal. Please supply evidence that the form of Lease proposed has been approved by the Land Registry. The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents.

Are there any apps to help search for a Niton solicitor on the conveyancing panel? I am a keen cyclist and am willing to travel upto 20kilometers to meet the lawyer.

You can use the tool on this website. Please choose the bank and your location and you will see a number of Niton conveyancing lawyers locally. We have listed some Niton conveyancing firms at the bottom of this page and you can contact them to see whether they are on the approved list

I today plan to offer on a house that seems to be perfect, at a reasonable figure which is making it more attractive. I have since found out that it's a leasehold as opposed to freehold. I would have thought that there are particular concerns buying a leasehold house in Niton. Conveyancing lawyers have are about to be appointed. Will my lawyers set out the risks of buying a leasehold house in Niton ?

The majority of houses in Niton are freehold and not leasehold. In this scenario it’s worth having a local conveyancer who is familiar with the area can assist with the conveyancing process. It is clear that you are purchasing in Niton in which case you should be shopping around for a Niton conveyancing solicitor and check that they are used to transacting on leasehold houses. As a matter of priority you will need to check the number of years remaining. As a tenant you will not be at liberty to do whatever you want with the house. The lease comes with conditions such as requiring the landlord’spermission to conduct changes to the property. It may be necessary to pay a contribution towards the upkeep of the estate where the house is part of an estate. Your conveyancer should report to you on the legal implications.