All was ready to move into my new home in Blaenavon next Friday. 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 mortgage company. What does the insurance need 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 UK Finance Lenders’ Handbook conditions. These requirements are not unique to conveyancing in Blaenavon.

I have an AIP. The lender mentioned the mortgage came with free conveyancing. Is the implication that I have to instruct their panel solicitor as I would prefer to use a high street conveyancing solicitor in Blaenavon?

You should check but the the probability is that appoint one of their panel lawyers should you take up the "fee-free" offer. Call the bank to see if they allow a monetary alternative. It is not unheard for a lender to give a £250 cashback as an alternative in which case you could put that amount towards your preferred conveyancing solicitor near Blaenavon.

I opted to have a survey done on a house in Blaenavon prior to retaining conveyancers. I have been told that there is a flying freehold aspect to the property. The surveyor has said that some mortgage companies tend not grant a mortgage on such a premises.

It depends who your proposed lender is. HSBC has different requirements for example to Birmingham Midshires. Should you wish to telephone us we can investigate further via the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Blaenavon. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Blaenavon to see if the conveyancing will be more expensive.

I need to appoint a conveyancing solicitor for remortgage conveyancing in Blaenavon. I've land on a site which seems to have the ideal offering If it is possible to get all the legals done via email that would be ideal. Do I need to be wary? What should out be looking out for?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?

My partner is purchasing a basement flat in Blaenavon. He has received a fee estimate by the conveyancing practitioner suggested by the estate agents and it came to £1300 . It was fifteen years ago since I sold and bought a house and it cost was £495. Have charges really gone up that much?

We would recommend that you e-mail two or three local Blaenavon conveyancing firms requesting prices. You should base your selection not only on cost, but on promptness and on how comprehensive the response is.