Due to move into my new home in Paddington next Monday. 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 lender. What risks does the bank expect the insurance 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 requirements are not specific to conveyancing in Paddington.

I am buying a right to buy a flat in Paddington. How practical is it for me to do the conveyancing?

Leaving aside the complexities and merits of DIY conveyancing in Paddington you will have to appoint a solicitor on your mortgage company's conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to be made in you doing conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on your lender panel in Paddington.

Despite weeks of looking the Title Certificate and documents to our property are lost. The conveyancers who handled the conveyancing in Paddington 5 years ago are no longer around. Will I be able to sell the house?

As long as the title is registered the details of your proprietorship will be retained by the Land Registry with a Title Number. It is possible to perform a search at the Land Registry, find your house and get current copies of the Registered Entries for a small fee. If the title is Leasehold then the Land Registry will usually hold a certified duplicate of the Registered Lease and again, a copy can be ordered for twenty pounds.

How simple is it to switch firm as I need to find a firm on the Chelsea Building Society conveyancing list. I hired a local conveyancing solicitor in Paddington five minutes from me but the firm is not approved by Chelsea Building Society

We will our best to assist in finding you a conveyancing solicitor in Paddington on the Chelsea Building Society panel. Please note that the solicitors that we list do not pay us fee if you instruct them and are authorised and regulated by the Solicitors Regulation Authority who oversee all conveyancing solicitors in Paddington. In making use of the find a conveyancing solicitor tool on this website, you can compare and instruct different solicitors and conveyancers both nationally and in Paddington.

I pay a service charge for my flat in Paddington. As a result of personal circumstances I slipped into arrears with remittance. The managing agents agreed a settlement schedule but there is still two currently outstanding.

I am under pressure to sell and I am concerned this may threaten to derail the sale if I have to pay off the arrears in advance. I'd like to sell up and subsequently pay them back with the completion monies - is this possible?

Do clarify with the property lawyer handling your Paddington conveyancing but it may be possible to arrange for the outstanding amount to be transferred to the purchasers. The contractual price payable would be reduced to reflect the amount of debt they assume. They could then discharge the fees once they are the owners.