All was ready to move into my new home in Riding Mill next Tuesday. My conveyancer 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?

Any lawyer on acting for banks 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 specific to conveyancing in Riding Mill.

Can I use your services to recommend a Conveyancing solicitor in Riding Mill even where I’m not buying or disposing of a house, for instance where I intend to buy an office in Riding Mill with a loan from Barclays ?

Our comparison service is mainly used to locate domestic conveyancing solicitors in Riding Mill but we have set out towards the bottom of this page a few Riding Mill commercial conveyancing firms. You will need to enquire with the firm directly to see if they can also act for Barclays

We are purchasing a property in Riding Mill. I might seem paranoid but how we can trust a solicitor? At some point we have to deposit money into their account. What protection do we have from them run away with our monies?

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.

This question may be naive but I am new to the process as FTB of a ground floor flat in Riding Mill. Do I pick up the keys to the house on completion from my lawyer? If so, I will instruct a High Street conveyancing solicitor in Riding Mill?

There is no need to visit the lawyers office on the day of completion. Your solicitors will electronically transfer the purchase money to the owner’s lawyers, and once they have received this, you will be called to receive the keys from the selling Agents and start moving into the property. This tends to happen between 1 and 3pm.

I am currently in the process of buying my council flat in Riding Mill. I have a mortgage offer with Principality. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?

It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Principality, you will need to appoint a solicitor on the Principality conveyancing panel.

Just had an offer accepted on a new build flat in Riding Mill. 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 legal work.

Set out below are examples of a selection of leasehold new build questions that you can expect your new-build leasehold conveyancing in Riding Mill

The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. Forfeiture - bankruptcy or liquidation must not apply under this provision. 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. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? Please confirm the Lease plans are surveyor prepared.

Your search tool is useful but there are many lawyers listed near Riding Mill being on the lender conveyancing panel. Can you recommend a specific firm on the conveyancing panel for our mortgage company?

We do not recommend specific Riding Mill firms as the right Riding Mill conveyancing solicitor for you depends on where your priorities lie. For example you may require a local firm with Riding Mill knowledge or you might be looking for the low cost conveyancing. We recommend that you speak to 3 or 4 lawyers listed before you make your choice..