I plan on buying a ground floor flat in Burbage. My Solicitor is not on the lender solicitor list. Can I still retain my Burbage conveyancing solicitor even though they are excluded from the mortgage company approved list?

Various options include

• Complete the deal with your preferred Burbage but your lender will undoubtedly use a on their conveyancing panel. The net result is additional cost and potential interruption.
• Choose a fresh to conduct the conveyancing, making sure they are on the lender conveyancing panel.
• Convince your lawyer to do everything possible to get listed on the bank’s panel of solicitors

Due to move into my new home in Burbage next Friday. 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 mortgage company. What risks does the mortgage company expect the insurance to cover?

Any lawyer 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 UK Finance Lenders’ Handbook conditions. These obligations are not unique to conveyancing in Burbage.

We are purchasing a property and require a conveyancing solicitor in Burbage who is on the solicitor panel. Could you point me in the right direction as regards a solicitor?

Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for . We don't recommend any particular firms conducting conveyancing in Burbage.

We are purchasing a newbuild apartment in Burbage with a homeloan from .We have a Burbage conveyancing lawyer but informed us his firm is not on their approved list of member firms. It seems we have little choice but to instruct a panel solicitor or retain our high street solicitor and fork out for a panel lawyer to represent them. This seems very unfair; is there anything we can do?

Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, one of which will be that solicitors will be on the approved list. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your lawyer to apply to be on the conveyancing panel for

Due to the encouragement of my in-laws I had a survey completed on a house in Burbage in advance of retaining conveyancers. I have been told that there is a flying freehold overhang to the property. Our surveyor has said that some lenders may not issue a loan on such a house.

It varies from the lender to lender. Lloyds has different requirements for example to Nationwide. Should you wish to telephone us we can check with the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Burbage. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Burbage to see if the conveyancing will be more expensive.