All was ready to complete my purchase in Pagham next Thursday. I have now been asked to send a copy of my building insurance schedule by my solicitor as he says that he has to check this in his capacity as lawyer for the mortgage company. What does the insurance need 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 UK Finance Lenders’ Handbook instructions. These requirements are not limited to conveyancing in Pagham.

My wife and I are purchasing a house in Pagham. I might seem paranoid but how we can trust a lawyer? At some point we have to put funds into their account. What protection do we have from them run away with our deposit?

Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.

Does a directory service exist listing Co-operative panel solicitors in Pagham on the Building Society Association’s Website?

No. There is no such tool on the CML or Building Society Association sites. A small selection of banks make their panel listings open the public online. If you are seeking to appoint a Pagham lawyer on the Co-operative please make the most of our tool.

Last month we had a mortgage agreed in principle with Principality. Pagham conveyancing lawyers have been selected. How long does it take for Principality to forward the offer to the lawyer?

There is no definitive answer here. Have Principality conducted the survey? Have you informed Principality as to your lawyers' details and checked that your lawyers are on the Principality conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.

three months have elapsed since my purchase conveyancing in Pagham took place. I have checked the Land Registry site which shows that I paid £200,000 when infact I paid £180,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the premises from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

About to purchase a new build apartment in Pagham. Conveyancing is necessary evil 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 are examples of a few leasehold new build questions that you may expect your new-build leasehold conveyancing in Pagham

Forfeiture - bankruptcy or liquidation must not apply under this provision. The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore. If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company?

Due to the guidance of my in-laws I had a survey completed on a property in Pagham ahead of instructing lawyers. I have been informed that there is a flying freehold aspect to the property. Our surveyor has said that some lenders will not grant a mortgage on a flying freehold property.

It varies from the lender to lender. Lloyds has different instructions from Halifax. Should you wish to telephone us we can check via the relevant bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Pagham. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Pagham to see if the conveyancing will be more expensive.