I am hoping to complete my purchase in Meltham next Monday. My conveyancing practitioner now wants me to supply her with evidence 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 lender 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 conditions. These obligations are not unique to conveyancing in Meltham.

Does a directory service exist listing Bank of Ireland panel solicitors in Meltham on the Council of Mortgage Lender’s Website?

Unfortunately not yet. There is no such tool on the Council of Mortgage Lenders or Building Society Association sites. A small selection of lending institutions make their panel listings available over the internet. If you are seeking to appoint a Meltham conveyancer on the Bank of Ireland please use our tool.

I am purchasing a property in Meltham. One unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender TSB be concerned?

Given that you are obtaining a mortgage with TSB your lawyer must comply with the conveyancing instructions outlined in Section two of UK Finance Lenders’ Handbook for TSB. The Council of Mortgage Lenders’ Handbook contains minimum requirements for solar panel roof-space leases, and conveyancing practitioners are required to report to TSB where a lease fails to comply with these specifications. The specifications relate to the installation of panels on properties countrywide and is not restricted to Meltham.

After what seems like an age I have had an offer on a maisonette in Meltham accepted, the vendors do nevertheless have an associated purchase. The sellers have placed an offer on somewhere, but it’s not been accepted yet, and are looking at other flats in the pipeline. I have chosen a high street conveyancing solicitor in Meltham. What do I do now? At what point do I apply for the mortgage with Kent Reliance?

It is usual to have anxieties where there is a chain as you are unlikely to want to incur expenses too early (home loan application is approx £1k, then survey, Meltham conveyancing search charges, etc). First, you should ensure that your conveyancer is on the Kent Reliance approved list. As to the next stages this very much depends on the circumstances of your transaction, attraction to the property and on the state of the market. During a rising market some home buyers would apply for the mortgage with Kent Reliance and pay for the valuation and only if it was satisfactory would they request their solicitor to press on with the conveyancing in Meltham.

About to purchase a new build apartment in Meltham. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.

Set out below is a sample of a selection of leasehold new build questions that you may expect your new-build leasehold conveyancing in Meltham

The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? Please supply a car parking plan. The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore. Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease.

I am looking for a conveyancing practitioner in Meltham for my house move. Is there any facility to see a firm’s complaints history with the profession’s regulator?

Members of the public can search for documented Solicitor Regulator Association (SRA) decisions resulting from investigations from 2008 onwards. Visit Check a solicitor's record. To find information about the period before 1 January 2008, or to check a firm's history, call 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. International callers, use +44 (0)121 329 6800. The SRA may monitor call for training purposes.

There are numerous properties in Meltham on private lanes. I am acquiring such a house. Are there any benefits to buying a property on a private road?

Meltham conveyancing solicitors will be used to conveyancing propertieson private. Your property lawyer will review the Land Registry data to identify any rights or liabilities. It is possible that there is a management company (wholly owned by residents) that residents pay into for the upkeep of the road. Where one exists, the road should be maintained and look better than publicly adopted.