My husband and I are refinancing our penthouse in Coombe with Clydesdale. We have a son approaching twenty who lives with us. Our solicitor requested us to identify anyone over the age of 17 other than ourselves who reside at the property. Our lawyer has now e-mailed a document for our son to sign, waiving any legal rights in the event that the apartment is forfeited by the lender. I have two concerns (1) Is this form unique to the Clydesdale 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 Clydesdale. This is solely used to protect Clydesdale 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 Clydesdale 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.

Can you explain why leasehold purchase conveyancing in Coombe costs more?

The conveyancing fees on a leasehold premises in Coombe is often greater than on a freehold property. This is because there is an amount of additional work required in corresponding with the landlord and management company to collate the information about whether the rent and service charges have been paid and whether there are any major works due in the foreseeable future on repairs or maintenance of the block.

I had intended to instruct a conveyancing solicitor in Coombe for our house move. Our financial adviser has since notified us that our mortgage lenders Nationwide Building Society won't deal with them. Why is this not regarded as unduly restrictive?

A bank may require a panel solicitor act for it. Borrowers are liable to bear the cost of this. Please make use of our database to locate a solicitor to carry conveyancing in Coombe on the Nationwide Building Society conveyancing panel.

My wife and I have a 4 bedroom Edwardian house in Coombe. Conveyancing practitioner represented me and Skipton Building Society. I happened to do a free search for it on the Land Registry database and I saw two entries: one for freehold, another for leasehold with the matching property. I thought I was buying a freehold how can I check?

You need to review the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Coombe and other locations in the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also question the position with your conveyancing practitioner who carried out the work.

I'm buying a new build house in Coombe with the aid of help to buy. The sellers would not reduce the price so I negotiated 6k of extras instead. The sale representative suggested that I not to tell my lawyer about the side-deal as it would put at risk my mortgage with Bank of Ireland. Do I keep my lawyer in the dark?.

All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.

Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.

Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.