Due to move into my new home in Fenton next Tuesday. 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 bank. What does the insurance need 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 instructions. These obligations are not limited to conveyancing in Fenton.

Having sold my house in Fenton last April yet the purchaser is telephoning daily complaining that her lawyer is waiting to hear from myconveyancer. What should my lawyer have done following completion?

After completion of your disposal your lawyer is obliged to deliver the transfer deeds and all additional paperwork to the buyer’s lawyers. Depending on the transaction, your solicitor must also evidence that the home loan has been discharged to the purchasers lawyers. There are no post completion requirements peculiar conveyancing in Fenton.

After looking at online forums for an online solicitor in Fenton, many say that I should instruct a CQS assured lawyer. Can you explain what CQS is?

The Law Society's Conveyancing Quality Scheme is the recognised kitemark for legal experts in the legal transfer of properties, trusted by some of the UK's leading banks. In 2011-12 the Conveyancing Quality Scheme was officially recognised by the Association of British Insurers (ABI). The scheme does not cover licenced conveyancers. Fenton is one of the many areas of the UK where there are CQS lawyers.

I'm purchasing my first flat in Fenton with the aid of help to buy. The builders would not budge the amount so I negotiated five thousand pounds worth of extras instead. The house builders rep advised me not disclose to my solicitor about this deal as it could put at risk my mortgage with Barclays Direct. Should I keep quiet?.

All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.

Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.

Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.

I need to retain a conveyancing solicitor for some conveyancing in Fenton. I happened to stumble across a web site which seems to have the ideal solution If there is a chance to get all this stuff done via phone that would be preferable. Should I be wary? What are the potential pitfalls?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?