All was ready to move into my new home in Grantham next Friday. 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?

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 requirements. These obligations are not limited to conveyancing in Grantham.

As someone with no idea as to the Grantham conveyancing process what’s the number one tip you can impart for the legal transfer of property in Grantham

You may not hear this from too many lawyers but conveyancing in Grantham or throughout England and Wales is often a confrontational process. In other words, when it comes to conveyancing there is an abundance of opportunity for confrontation between you and other parties involved in the legal transfer of property. E.g., the seller, estate agent and sometimes a bank. Appointing a solicitor for your conveyancing in Grantham an important selection as your conveyancer is your adviser, and is the ONLY person in the legal process whose responsibility is to act in your best interests and to protect you.

We are witnessing a worrying creep in the "blame" culture- someone must be at fault for the process being so protracted. We recommend that you should always trust your solicitor above all other parties when it comes to the legal transfer of property.

I have recentlydiscovered that Action Conveyancing have been shut down. They carried out my conveyancing in Grantham for a purchase of a freehold house 9 months ago. How can I be sure that the property is in my name in the name of the former proprietor?

The quickest method to check if the property is in your name, you can make 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 Grantham conveyancing specialists.

Due to the guidance of my in-laws I had a survey completed on a property in Grantham before retaining conveyancers. I have been advised that there is a flying freehold element to the house. Our surveyor has said that some banks may refuse to give a mortgage on a flying freehold house.

It varies from the lender to lender. Santander has different requirements for example to Nationwide. If you e-mail us we can check via the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Grantham. Conveyancing will be smoother if you use a solicitor in Grantham especially if they are familiar with such properties in Grantham.

My husband and I are 17 days into a residential purchase having been referred to a firm by the high street agent to perform conveyancing in Grantham. I am not happy. Can you help me find new conveyancers?

A solicitor would have to be really poor in order to consider changing them. Has the loan offer been sent? In the event that it has you will need to inform them of the new contact details and have the offer are issued to the new lawyers. Your new solicitor ideally needs to be on the lenders panel to avoid supplemental costs and frustration. So that should be your starting point. The search tool will help you find a lender approved conveyancer for your conveyancing in Grantham