All was ready to move into my new home in Pulborough next Tuesday. My lawyer 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 lender. What does the insurance need 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 requirements. These requirements are not limited to conveyancing in Pulborough.

Should commercial conveyancing searches reveal proposed roadworks that may impact a commercial property in Pulborough?

Its becoming the norm that commercial conveyancing solicitors in Pulborough will conduct a SiteSolutions Highways report as it dramatically cuts the time that conveyancers invest in sourcing accurate data on highways that impact buildings and development assets in Pulborough. The report provides definitive information on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Pulborough.

For every commercial conveyancing transaction in Pulborough it is critical to investigate the adoption status of roads surrounding a site. Failure to identify developments where adoption procedures have not been addressed adequately could cause delays to Pulborough commercial conveyancing transactions as well as present a risk to future plans for the site. These searches are not ordered for residential conveyancing in Pulborough.

How does conveyancing in Pulborough differ for newly converted properties?

Most buyers of new build premises in Pulborough contact us having been asked by the developer to sign contracts and commit to the purchase even before the property is completed. This is because builders in Pulborough typically purchase the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Pulborough or who has acted in the same development.

Is it simple use your search facility to select a conveyancing solicitor in Pulborough on the authorised to act for my mortgage?

Step one is to select a mortgage company such as Halifax, The Royal Bank of Scotland or Platform Home Loans Ltd then specify your location for instance Pulborough. Conveyancing organisations in Pulborough and further afield should be identified.

Myself and my wife have recently had an offer agreed on a property and had an appointment on Tuesday with the Post Office for the mortgage. They have informed us that when it comes to selecting a conveyancer that if they are not on their approved panel of conveyancers then we will have to pay out a further fee of about two hundred pounds. This is because they would then have to select a solicitor to act on their behalf as well as the one we choose to act on our behalf and we are liable for their fees. I have asked the Post Office to supply me with a list so I can request estimates only from their approved lawyers but was told they dont have such a list to hand over. Is there a simple way of finding out who is on a lender panel?

Ask the Post Office what their panel criteria is for a solicitor.Then ask the property lawyer of your choice whether they meet the criteria and have they acted on loans for the Post Office in the past. If the answer to those is yes, then just clarify this with the Post Office. Another option is to use our search tool and we may be able to locate a lawyer in Pulborough on the approved list for the Post Office.