I am hoping to move into my new home in Wheathampstead next Tuesday. My lawyer now wants me to supply her with evidence of content and building insurance for the property as as she informs me that she is duty bound to validate that it is in order for the mortgage company. What does the insurance need to cover?

All property lawyers 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 UK Finance Lenders’ Handbook conditions. These requirements are not limited to conveyancing in Wheathampstead.

I am looking for a leasehold apartment up to £235,500 and found one near me in Wheathampstead I like with a park and station nearby, the downside is that it only has 52 years on the lease. I can't really find anything else in Wheathampstead suitable, so just wondered if I would be making a grave error acquiring a lease with such few years left?

If you require a mortgage the shortness of the lease may be problematic. Discount the price by the amount the lease extension will cost if not already taken into account. If the current proprietor has owned the property for a minimum of twenty four months you may ask them to commence the lease extension formalities and pass it to you. You can add 90 years to the existing lease and have £0 ground rent by law. You should consult your conveyancing solicitor about this.

I have been advised by numerous selling agents in Wheathampstead to get a quote from a solicitor using your seach tool. What’s the financial incentive for Estate Agents to offer your lawyers over and above another?

We refuse to give any commission for directing people to this site. We found it would be just too difficult a fee because members of the public would think, ‘How come the agent getting a kickback? Why am I not getting any benefit too?’ So we decided to step away from that.

We're new to the buying process - had an offer accepted, but the property agent has warned us that the seller will only issue a contract if we appoint their recommended conveyancers as they are insisting on an ‘expedited deal’. My instinct tells me that we should use a family solicitor accustomed to conveyancing in Wheathampstead

We suspect that the owner is unaware of this requirement. Should the seller desire ‘a quick sale', taking such a hostile approach to a serious buyer is is going to put the whole deal at risk. Bypass the agents and go straight to the owners and explain that (a)you are keen to buy (b)you are ready to go, with mortgage lined up © you are unencumbered (d) you intend to proceed fast (e)but you are going to appoint your preferred Wheathampstead conveyancing firm - not the ones that will provide their negotiator at the agency a commission or meet his conveyancing targets pre-set by senior management.

My fiance and I are searching for a responsive conveyancing lawyer in Wheathampstead to buy a house. I I am concerned about being overcharged but with plenty Wheathampstead conveyancing firms out there...who's the best?

To get quotes for your move via conveyancing firms that undertakes services in Wheathampstead please make the most of our quote tool.