All was ready to move into my new home in Northern Moor next Thursday. I have now been asked to send a copy of my building insurance schedule by my solicitor as as she informs me that she is duty bound to validate that it is in order for the bank. What risks does the lender 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 Part 2 conditions. These requirements are not limited to conveyancing in Northern Moor.

My solicitor has informed me that missing deeds insurance is needed on my purchase. What is the level of cover for Northern Moor conveyancing?

The right level of missing deeds indemnity insurance should be dictated by who who your lender is. It would differ for example between National Westminster Bank and Coventry Building Society. Conveyancing practitioners as opposed to members of the public take out such policies.

The mortgage over my property is with Santander for my property in Northern Moor. Conveyancing was finalised 12 months ago. If I am intending to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Santander?

Your original mortgage agreement with Santander will provide that you need their approval prior to renting your property as this is likely to be a breach of Santander’s mortgage conditions. It may be that Santander will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Santander directly. It should not be necessary to do this via a Santander conveyancing panel firm.

My offer was accepted on a property in Northern Moor on 27/10/2025, valuation was booked 2 days after, received a clean bill of health. Solicitor appointed, so the only thing outstanding was my mortgage offer. Having made daily calls to Virgin Money and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Virgin Money conveyancing panel. Are Virgin Money entitled to hold back the Mortgage pending the lawyer being on the approved list?

A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Virgin Money to deal with your lawyer's application to be on the Virgin Money conveyancing panel. There's no guarantee that your solicitor will be accepted.

Are there restrictive covenants that are commonly identified during conveyancing in Northern Moor?

Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Northern Moor. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’

In scouring the internet for the words cheap conveyancing in Northern Moor it shows results of many property lawyersin the vicinity. With so much choice what is the best way to find the right property lawyer for me?

The best method of finding a suitable conveyancer is through a trusted referral, so enquire of colleagues and family who have purchased a property in Northern Moor or a respected estate agent or financial adviser. Fees for conveyancing in Northern Moor differ, so it's sensible to secure at least three estimates from varying types of solicitors. Make sure that you know what costs in the quote includes.

I've recently bought a leasehold house in Northern Moor. Do I have any liability for service charges for periods before my ownership?

In a situation where the service charge has already been demanded from the previous lessee and they have not paid you would not usually be personally liable for the arrears. However, your landlord may still be able to take action to forfeit the lease. It is an essential part of leasehold conveyancing for your conveyancer to ensure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.

If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).

Leasehold Conveyancing in Northern Moor - Sample of Questions you should consider before Purchasing

Does this lease have more than 80 years left? It would be prudent to find out as much as you can concerning the company managing the block as they will affect your use and enjoyment of the property. As the proprietor of a leasehold property you will be in the clutches of the managing agents both financially and when it comes to practical matters like the cleanliness of the communal areas. Don't be shy to ask prospective neighbours what they think of them. Finally, find out the dates that you are obliged pay the maintenance charge to the relevant party and specifically what you get for your money. Who takes responsibility for maintaining and repairing the block?