My partner and I are refinancing our apartment in Chathill with Bank of Ireland. We have a son 18 who lives with us. Our solicitor has asked us to disclose any adults other than ourselves who reside at the property. Our lawyer has now e-mailed a document for our son to sign, giving up any rights in the event that the apartment is forfeited by the lender. I have a couple of questions (1) Is this form unique to the Bank of Ireland conveyancing panel as he never had to sign this form when we remortgaged 5 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?

On the face of it your lawyer has done nothing wrong 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 Bank of Ireland. This is solely used to protect Bank of Ireland 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 Bank of Ireland 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.

My bank has recommended solicitors on their panel based in Chathill but I would rather use a conveyancing lawyer in Chathill round the corner to me. Are you able to help?

Not all Chathill conveyancing solicitors are approved and listed on all banks conveyancing panel. Use our find an approved solicitor tool to find a Chathill conveyancing conveyancer on the on the lender panel.

I acquired my house on 5 July and my personal details is yet to be on the land registry website. Should I be concerned? My conveyancing solicitor in Chathill said it would be registered inside ten days. Are transfers in Chathill particularly slow to register?

As far as conveyancing in Chathill is concerned, registration is no quicker or slower than anywhere else in England and Wales. Rather than based on location, timeframes can adjust according to who lodges the application, whether there are errors and whether the Land registry must send notices to any interested parties. At present approximately 80% of such applications are completed in less than three weeks but occasionally there can be longer delays. Historically registration takes place after the purchaser has moved in to the premises so registration formalities is not typically an essential issue yet if it is urgent that the the registration takes place urgently then you or your solicitor should contact the land registry and explain the circumstances.

Just had an offer accepted on a new build apartment in Chathill. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.

Here is a sample of a few leasehold new build enquiries that you may expect your new-build leasehold conveyancing in Chathill

The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore. There must be mutual enforceability of lessee’s covenants. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? Please supply a car parking plan.

I own a leasehold house in Chathill. Conveyancing and Barclays mortgage organised. A letter has just been received from someone saying they have taken over the reversionary interest in the property. It included a ground rent demand for rent dating back to 1996. The conveyancing practitioner in Chathill who previously acted has long since retired. What should I do?

First make enquiries of HMLR to make sure that this person is indeed the registered owner of the freehold reversion. It is not necessary to instruct a Chathill conveyancing solicitor to do this as it can be done on-line for a few pound. You should note that regardless, even if this is the legitimate freeholder, under the Limitation Act 1980 the limitation period for recovery of ground rent is six years.

I am the registered owner of a split level flat in Chathill, conveyancing was carried out in 2006. Can you please calculate a probable premium for a statutory lease extension? Equivalent properties in Chathill with a long lease are worth £180,000. The ground rent is £65 yearly. The lease ends on 21st October 2084

With 59 years unexpired the likely cost is going to range between £20,900 and £24,200 as well as costs.

The suggested premium range that we have given is a general guide to costs for renewing a lease, but we cannot give you a more accurate figure in the absence of comprehensive due diligence. You should not use this information in tribunal or court proceedings. There are no doubt other issues that need to be considered and you obviously want to be as accurate as possible in your negotiations. Neither should you move forward based on this information before getting professional advice.