All was ready to complete my purchase in Henleaze next Tuesday. My conveyancer now wants me to supply her with proof of content and building insurance for the property as he says that he has to check this in his capacity as lawyer for the mortgage company. What risks does the mortgage company expect the insurance to cover?

All property lawyers 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 instructions. These requirements are not specific to conveyancing in Henleaze.

I own a freehold premises in Henleaze but still charged rent, why is this and what is this?

It is rare for properties in Henleaze and has limited impact for conveyancing in Henleaze but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.

Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges have existed for hundreds of years, but the Rent Charge Act 1977 barred the creation of new rentcharges post 1977.

Old rentcharges can now be redeemed by making a one off payment under the Act. Any rentcharges that are still in existence in 2037 is to be extinguished.

Despite weeks of looking the Title Certificate and documents to our property can not be found. The lawyers who did the conveyancing in Henleaze 5 years ago are no longer around. Will I be able to sell the house?

These day there are duplicates made of almost everything, and your lawyer will be aware precisely where to look for all the relevant documentation so you can purchase or dispose of your house without any difficulty. Where duplicates are not available, your solicitor can put in place insurance or indemnities against future claims on your premises.

Just had an offer accepted on a new build flat in Henleaze. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.

Set out below is a sample of a few leasehold new build enquiries that you can expect your new-build leasehold conveyancing in Henleaze

The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? Please supply evidence that the form of Lease proposed has been approved by the Land Registry. Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. Please confirm the Lease plans are architect prepared.

Is it the case that all Henleaze legal practices on every lender conveyancing panel?

You can use our search tool or you can drop into your high street lender branch in Henleaze. the probability is that they will be in a position to suggest some approved conveyancing solicitors in Henleaze