My husband and I intend to remortgage our apartment in Grassendale with Nationwide. We have a son 18 who lives with us. Our solicitor has asked us to disclose anyone over the age of 17 other than ourselves who reside at the property. The solicitor has now sent a form for our son to sign, waiving any legal rights in the event that the property is forfeited by the lender. I have a couple of concerns (1) Is this form unique to the Nationwide conveyancing panel as he did not need to sign this form when we purchased 5 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?

First, rest assured that your Nationwide conveyancing panel solicitor is doing the right thing as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Nationwide. This is solely used to protect Nationwide if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave. It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Nationwide had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.

We are expecting a mortgage offer soon. The lender mentioned the home loan came with free conveyancing. Does this mean I have to appoint their panel solicitor as I would prefer to instruct a high street conveyancing solicitor in Grassendale?

Do check but the the likelihood is that allocate you one of their panel solicitors should you take up the "fee-free" incentive. Call the mortgage company and see if they offer you a cash alternative. Some lenders have previously offered a £250 cashback as an alternative in which case you could put that amount towards the cost for your conveyancing solicitor in Grassendale.

I am purchasing a house and the lawyer has mentioned Chancel Repair to which the property could be obligated to contribute to given it’s proximity to the area of such a church. He has recommended insurance. Is this strictly appropriate for conveyancing in Grassendale

Unless a prior acquisition of the house completed after 12 October 2013 you can assume that solicitors delivering conveyancing in Grassendale to remain recommending a chancel search and or insurance against a claim.

How does conveyancing in Grassendale differ for new build properties?

Most buyers of new build premises in Grassendale come to us having been asked by the seller to exchange contracts and commit to the purchase even before the premises is finished. This is because new home sellers in Grassendale tend to acquire the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Grassendale or who has acted in the same development.

Being a tenant I am on the hook for a service charge for my property in Grassendale. Due to losing my job and personal issues I slipped into arrears with payments. The freeholders agreed a payment plan but there remains three grand outstanding as of today.

I want to dispose of the property and I am nervous that this can hold me back if I have to discharge the amount due now. I'd like to sell up and subsequently pay them back with the proceeds - is this possible?

The conveyancing practitioner handing your Grassendale sale should be in a position to negotiate with the management company, with a new to seeing if they would accept settlement from completion monies. Here is indicative of why it might be good to use a conveyancing practitioner in Grassendale as they are likely to enjoy an open line of communication with the parties.