All was ready to complete my purchase in Whitnash next Monday. 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 lender. What risks does the mortgage company 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 UK Finance Lenders’ Handbook requirements. These obligations are not specific to conveyancing in Whitnash.

As someone with no idea as to conveyancing in Whitnash what is your top tip you can give me for the ownership transfer in Whitnash

Not many law firms or advisers will tell you this but conveyancing in Whitnash and elsewhere in is an adversarial experience. Put another way, when it comes to conveyancing there is plenty of room for conflict between you and other parties involved in the ownership transfer. For example, the seller, property agent and sometimes a mortgage company. Selecting a law firm for your conveyancing in Whitnash an important selection as your conveyancer is your adviser, and is the ONE person in the transaction whose responsibility is to protect your best interests and to keep you safe.

We are witnessing a definite ongoing adversarial element to conveyancing- someone must be at fault for the process being so protracted. We recommend that you your first instinct should be to trust your solicitor ahead of the other parties in the home moving process.

I am buying a new build apartment in Whitnash. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.

Set out below are examples of a selection of leasehold new build enquiries that you may expect your new-build leasehold conveyancing in Whitnash

There must be mutual enforceability of lessee’s covenants. Please confirm the Lease plans are architect prepared. Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. Forfeiture - bankruptcy or liquidation must not apply under this provision. Please supply evidence that the form of Lease proposed has been approved by the Land Registry.

Due to the encouragement of my in-laws I had a survey completed on a house in Whitnash ahead of appointing lawyers. I have been advised that there is a flying freehold element to the property. The surveyor has said that some mortgage companies tend not grant a loan on this type of premises.

It varies from the lender to lender. Santander has different requirements from Halifax. Should you wish to call us we can check via the relevant bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Whitnash. Conveyancing may be slightly more expensive based on your lender's requirements.

What does commercial conveyancing in Whitnash cover?

Non domestic conveyancing in Whitnash covers a broad range of advice, supplied by qualified solicitors, relating to business premises. By way of example, this type of conveyancing can cover the sale or purchase of freehold business premises or, more commonly, the transfer of existing business tenancies or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial mortgages and the termination of leases.