I am hoping to complete my purchase in Bethnal Green next Thursday. I have now been asked to send a copy of my building insurance schedule by my solicitor 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 Part 2 conditions. These obligations are not specific to conveyancing in Bethnal Green.

It is a dozen years since I bought my property in Bethnal Green. Conveyancing solicitors have now been retained on the sale but I am unable to track down my deeds. Will this jeopardise the sale?

Don’t worry too much. First there is a chance that the deeds will be with the mortgage company or they may be in the possession of the conveyancers who handled the purchase. Secondly in most cases the land will be recorded at the land registry and you will be able to prove you own the property by your conveyancing lawyers obtaining current official copies of the land registers. Almost all conveyancing in Bethnal Green relates to registered property but in the unlikely event that your property is unregistered it is more tricky but is not insurmountable.

I'm at the point of looking at apartments in Bethnal Green and I am now considering a potential offer. Is it advisable to have a on ‘stand by’? I am planning to take a mortgage with .

You should start obtaining conveyancing estimates from solicitors ASAP. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and forward their details on to the selling agent. Given that you are getting a mortgage with , make sure you remember to check that your lawyer is on the conveyancing panel.

I have today made my last payment due on my mortgage with . I assume I don't need a Bethnal Green on the panel to remove the mortgage at the Land Registry. Please confirm.

If you have finished paying off your mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the mortgage from the register. , and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:

1. but are not moving to another property
2. where has sent the Land Registry the discharge electronically, and
3. has instructed the Land Registry to do so

My offer was accepted on a property in Bethnal Green on , valuation was booked 3 days later, all came back fine. Conveyancer appointed, so the only thing outstanding was my mortgage offer. Having made daily calls to and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the conveyancing panel. Can the lender hold off the offer?

Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for to deal with your lawyer's application to be on the conveyancing panel. There's no guarantee that your solicitor will be accepted.

We are buying a house and the solicitor has raised the issue of Chancel Repair for which the house may be liable given it’s proximity to the area of such a church. He has suggested insurance. Is this strictly necessary for conveyancing in Bethnal Green

Unless a previous acquisition of the premises took place post 12 October 2013 you may take it that lawyers carrying out conveyancing in Bethnal Green to continue to recommend a chancel search and or insurance against a claim.

Given that I am about to part with hundreds of thousands of pounds on a house in Bethnal Green I would like to talk to a conveyancer about myconveyancing in advance of appointing the firm. Can this be arranged?

This is something that we recommend - we would be pleased to talk to you we do not take any clients on without you speaking to the lawyer who will be conducting your conveyancing in Bethnal Green.There is no ‘factory style conveyancing’ - each client is unique person, not a case number. The practices that we put you in touch with believe that the figure you are calculated and presented to you for residential conveyancing in Bethnal Green should be the figure that you are charged.