Due to complete my purchase in New Addington next Tuesday. 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 bank. What risks does the mortgage company expect the insurance to cover?

All property lawyers on acting for lenders 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 obligations are not specific to conveyancing in New Addington.

Will commercial conveyancing searches reveal planned roadworks that could impact a commercial premises in New Addington?

Its becoming the norm that commercial conveyancing solicitors in New Addington will execute a SiteSolutions Highways report as it dramatically cuts the time that conveyancers spend in researching accurate data on highways that impact buildings and development assets in New Addington. The search result provides definitive data 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 New Addington.

For each commercial conveyancing transaction in New Addington 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 New Addington commercial conveyancing deals as well as present a risk to future intentions for the site. These searches are not ordered for residential conveyancing in New Addington.

Despite weeks of looking the Title Certificate and documents to our house are lost. The lawyers who conducted the conveyancing in New Addington 5 years ago no longer exist. What do I do?

You no longer need to have the physical original deeds to evidence that you own the land or premises, as the Land Registry have everything they need in a digital format.

I have been advised by a number of estate agents in New Addington to select a property lawyer on your site. What’s the financial advantage for Estate Agents to recommend your services over alternative conveyancing organisations?

We refuse to offer any referral fee for pointing buyers and sellers to this site. We found it would be just too difficult a fee as a client could think, ‘Why is the agent getting a kickback? Why am I not receiving any benefit too?’ So we decided to step away from that.

Our financial adviser has recommended their conveyancing practitioner for my conveyancing in New Addington - Surely it’s advisable to just use them?

It is not always the case and you are entitled to instruct whichever conveyancer you decide for your New Addington home move. The conveyancing practitioner put forward by an estate agent may not always be the best conveyancer, they may recommend their own conveyancing firm who are based remotely. In this instance you may not have contact with your solicitor and due to the lack of continuity in the transaction, it may be difficult to obtain updates.