Due to move into my new home in Barlestone 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 mortgage company. What risks does the lender expect the insurance to cover?

All property lawyers on acting for banks 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 unique to conveyancing in Barlestone.

Do I need to pay for insurance to protect me from financial exposure to chancel repairs when acquiring a house in Barlestone?

Unless a prior acquisition of the premises completed post 12 October 2013 you could expect lawyers conducting conveyancing in Barlestone to remain recommending a chancel search and or insurance against a claim.

I have todaydiscovered that Stirling Law have closed. They carried out my conveyancing in Barlestone for a purchase of a leasehold flat 12 months ago. How can I be sure that my home is registered correctly in the name of the previous owner?

The quickest method to see if the property is registered to you, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Barlestone conveyancing specialists.

I am looking at a two flats in Barlestone both have in the region of fifty years left on the lease term. Will this present a problem?

There are plenty of short leases in Barlestone. The lease is a right to use the premises for a period of time. As the lease gets shorter the saleability of the lease deteriorates and it becomes more costly to extend the lease. For this reason it is often a good idea to extend the lease term. More often than not it is difficulties arise selling premises with a short lease because mortgage lenders less inclined to grant a loan on such properties. Lease enfranchisement can be a protracted process. We advise that you get professional help from a solicitor and surveyor with experience in this field.

I invested in buying a 1 bedroom flat in Barlestone, conveyancing having been completed July 1997. How much will my lease extension cost? Similar flats in Barlestone with over 90 years remaining are worth £202,000. The ground rent is £60 levied per year. The lease finishes on 21st October 2082

With 57 years unexpired we estimate the price of your lease extension to range between £28,500 and £33,000 plus plus your own and the landlord's "reasonable" professional fees.

The figure above a general guide to costs for extending a lease, but we cannot give you the actual costs without more comprehensive investigations. Do not use this information in a Notice of Claim or as an informal offer. There are no doubt other issues that need to be considered and you obviously should be as accurate as possible in your negotiations. Please do not take any other action based on this information without first getting professional advice.

My mum and dad cant seem to find their Barlestone land registry title on the website. They recall that back in the 70’s when they bought the house there were complications with the address not being recognised in some systems.

The vast majority of properties in Barlestone should be revealed. Have you endevoured to search with simply the postcode. Usually it will reveal all the houses and flats inside that postcode. Assuming the property is registered it will show up with a title number. Where they bought fifty years ago it's conceivable it may be not yet registered. The property may still be revealed but with the title number shown 'na'. In this scenario you will need to locate the original title deeds which may be with your parent’s bank.