I am hoping to move into my new home in Malden Rushett next Monday. My property lawyer now wants me to supply her with evidence of content and building insurance for the property as as she informs me that she is duty bound to validate that it is in order for the bank. What risks does the mortgage company 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 conditions. These requirements are not limited to conveyancing in Malden Rushett.

I am looking to buy a property and need a conveyancing solicitor in Malden Rushett who is on the Yorkshire Building Society approved. Can you recommend a local conveyancing firm?

Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Yorkshire Building Society in certain locations such as Malden Rushett. We dont recommend any particular firm.

Can you help - my lawyer advises that chancel insurance is required on my purchase. What is the level of cover for Malden Rushett conveyancing?

The right level of chancel indemnity insurance depends on your lender. It would differ for example between Nationwide Building Society and Coventry Building Society. Conveyancing solicitors as opposed to members of the public take out such insurances.

I'm the single beneficiary of my late father’s will with all property in now in my sole name, including the house in Malden Rushett. The Malden Rushett property was put into my name in November. I now wish to sell up. I understand that there is a CML six month 'rule', which means that my proprietorship will be regarded the same way as though I had purchased the house in November. Do I have to wait 6 months to sell?

The Council of Mortgage Lenders’ handbook instructs solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you may be impacted by that. many lenders would take a practical view as this clause principally exists to identify subsales or the flipping of properties.

Last month we had a mortgage agreed in principle with Barclays. Malden Rushett conveyancing solicitors are selected. How long does it take for Barclays to issue the offer to the lawyer?

There is no definitive answer here. Have Barclays conducted the survey? Have you advised Barclays as to your lawyers' details and checked that your lawyers are on the Barclays conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.

I am 17 days into a freehold purchase having been referred to conveyancers by the selling agent to carry out the conveyancing in Malden Rushett. I am am extremely frustrated with the quality of service. Could you you assist me in finding new conveyancers?

A solicitor would have to be very poor in order to consider diss instructing them. Has the mortgage offer been issued? In the event that it has you will need to inform them of the replacement solicitor and have the mortgage documents are re-issued. Your new solicitor ideally should be on the banks panel to avoid added fees and frustration. That should be your starting point. The find a solicitor tool can help you find a bank approved lawyer for your conveyancing in Malden Rushett

I own a leasehold flat in Malden Rushett. Conveyancing and Clydesdale mortgage organised. A letter has just been received from someone claiming to own the freehold. It included a ground rent demand for rent dating back to 1991. The conveyancing practitioner in Malden Rushett who acted for me is not around. Do I pay?

The first thing you should do is make enquiries of HMLR to be sure that the individual claiming to own the freehold is indeed the registered owner of the freehold reversion. It is not necessary to instruct a Malden Rushett conveyancing solicitor to do this as you can do this on the Land Registry website for less than a fiver. You should note that regardless, even if this is the legitimate freeholder, under the Limitation Act 1980 no more than 6 years of rent can be collected.

I have attempted and failed to negotiate with my landlord to extend my lease without success. Can I apply to the Leasehold Valuation Tribunal? Can you recommend a Malden Rushett conveyancing firm to assist?

Where there is a absentee landlord or where there is dispute about the premium for a lease extension, under the Leasehold Reform, Housing and Urban Development Act 1993 it is possible to make an application to the First-tier Tribunal (Property Chamber) to calculate the amount due.

An example of a Lease Extension matter before the tribunal for a Malden Rushett property is Flat D 15 Claremont Gardens in September 2013. TheTribunal determined in accordance with section48 and Schedule13 of the Leasehold Reform,Housing and Urban Development Act 1993 that the premium for the extended lease should be fourteen thousand one hundred and eighty seven pounds (£14,187.00) This case affected 1 flat.