All was ready to move into my new home in Birch and Middleton next Monday. 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 mortgage company. What risks does the lender 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 requirements. These requirements are not specific to conveyancing in Birch and Middleton.
I am due to move property in March. Should my conveyancing solicitor call the removal company on the completion day. As an aside, can you recommend a removal company in Birch and Middleton. Conveyancing firm was chosen before I stumbled across your site.
On the day of completion you can collect the keys from your estate agent however this can only be done after the previous owners lawyers inform the agent that they have the completion monies and the keys can be passed over. After that you can tell the removal company that you are ready to move in. As a matter of policy we do not recommend a particular removal company but can help you find a residential property solicitor in Birch and Middleton or a firm with expertise in conveyancing in Birch and Middleton.
Is it the case that all Birch and Middleton solicitor firms on the Co-operative conveyancing panel are overseen by the SRA?
As solicitors, in order to be on the Co-operative conveyancing panel they would need to be governed by the Solicitors Regulatory Authority. Some lenders do allow licenced conveyancers on their panel in which case such practice would be overseen by the Council of Licensed Conveyancers.
We have agreed to purchase a house in Birch and Middleton. An unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Coventry BS be concerned?
Given that you are obtaining a mortgage with Coventry BS your lawyer must follow the conveyancing instructions outlined in Section two of UK Finance Lenders’ Handbook for Coventry BS. The Council of Mortgage Lenders’ Handbook stipulates minimum specifications for solar panel roof-space leases, and solicitors are required to report to Coventry BS where a lease fails to satisfy these specifications. The provisions relate to the installation of panels on properties countrywide and is not isolated to Birch and Middleton.
A friend suggested that if I am buying in Birch and Middleton I should ask my conveyancer to execute a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is usually quoted for as part of the standard Birch and Middleton conveyancing searches. It is not a small report of about 40 pages, listing and setting out important information about Birch and Middleton around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Birch and Middleton Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime details, Local Education with maps and statistics, Local Amenities and other useful data about Birch and Middleton.
Due to the encouragement of my in-laws I had a survey completed on a house in Birch and Middleton in advance of appointing conveyancers. I have been informed that there is a flying freehold element to the property. Our surveyor advised that some lenders may refuse to give a loan on this type of home.
It depends who your proposed lender is. Bank of Scotland has different requirements for example to Birmingham Midshires. Should you wish to call us we can look into this further via the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Birch and Middleton. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Birch and Middleton to see if the conveyancing will be more expensive.
I need to instruct a conveyancing solicitor in Birch and Middleton for my house move. Can I check a solicitor's complaints history with the profession’s regulator?
Members of the public may find documented Solicitor Regulator Association (SRA) decisions arising from inquisitions from 2008 onwards. Go to Check a solicitor's record. For information about the period before 1 January 2008, or to check a solicitors history, ring 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. International callers, call +44 (0)121 329 6800. The SRA sometimes recorded call for training requirements.