I am hoping to complete my purchase in Sleaford next Tuesday. My now wants me to supply her with evidence of content and building insurance for the property as he says that he has to check this in his capacity as lawyer for the lender. What risks does the bank expect the insurance to cover?

Any lawyer 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 instructions. These requirements are not specific to conveyancing in Sleaford.

Is it necessary during the course of the conveyancing process to pop into the offices of the solicitor to execute the legal charge? If so, I will appoint a lawyer who conducts conveyancing in Sleaford so that I can attend their offices if required.

Whereas this was necessary ten years ago, almost all mortgage companies no longer require their conveyancing panel lawyer to witness the mortgagors signature. You will still be obliged to hand over ID documents and there are still distinct advantages to instructing a locally based ayer, in your case a conveyancing solicitor in Sleaford.

I am assisting my niece sell her house in Sleaford. Does the conveyancer order the energy performance certificate or should I organise this?

Following the demise of HIPs, EPC’s was maintained a compulsory element of moving property. An energy performance certificate needs to be to hand prior to the property being placed on the market. This is not as aspect of the sale process that solicitors ordinarily organise. If you are instructing a Sleaford conveyancing lawyer they might be willing to arrange energy assessments due to their relationships with reputable Sleaford providers

I am the single beneficiary of my late mum's estate and I have everything in my name now, including the my former home in Sleaford. The Sleaford property was put into my name in . I want to move. I do know about the Mortgage Lenders six month 'rule', which means that my property ownership will be considered the same way as if I'd bought the property in . Is the property unsalable for six months?

The CML handbook instructs conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you might be caught by that. many lenders would take a sensible view as this provision is principally there to pick up on the purchase and immediately sell or the flipping of property.

I have paid off my mortgage with . I assume I don't need a Sleaford on the panel to discharge the mortgage at the Land Registry. Please confirm.

If you have finished paying off your mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the mortgage from the register. , and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:

1. but are not moving to another property
2. where has sent the Land Registry the discharge electronically, and
3. has instructed the Land Registry to do so

Despite weeks of looking the Title Certificate and documents to our property can not be found. The lawyers who handled the conveyancing in Sleaford 5 years ago have long since closed. What are my options?

As long as you have a registered title the details of your ownership will be documented by the Land Registry under a Title Number. It is possible to carry out a search at the Land Registry, identify your property and get current copies of the property title for less than a fiver. Where the title is Leasehold then the Land Registry will in most cases hold a file duplicate of the Registered Lease and again, a copy can be obtained for a small fee.

I've recently found out that there is a flying freehold issue on a house I have offered on two weeks back in what should have been a straight forward, chain free conveyancing. Sleaford is where the house is located. Can you offer any advice?

Flying freeholds in Sleaford are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Sleaford you would need to get your solicitor to go through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Sleaford 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 property.