My fiance and I swapping mortgage lender for our flat in Coven with Aldermore. We have a son approaching twenty who lives at home. Our solicitor has asked us to disclose any adults other than ourselves who lives in the flat. Our lawyer has now e-mailed a document for our son to sign, giving up any rights in the event that the apartment is repossessed. I have a couple of concerns (1) Is this form unique to the Aldermore conveyancing panel as he never had to sign this form when we bought 4 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 Aldermore. This is solely used to protect Aldermore 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 Aldermore 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.

I am planning to acquire a property and require a conveyancing solicitor in Coven who is on the Norwich and Peterborough Building Society conveyancing. Can you recommend a local firm?

Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Norwich and Peterborough Building Society in certain locations such as Coven. We dont recommend any particular firm.

Forgive me if this question is silly but I am unseasoned as FTB of a garden flat in Coven. Do I pick up the keys to the premises on completion from my lawyer? If so, I will appoint a local conveyancing solicitor in Coven?

There is no need to visit the lawyers office on the day of completion. Conveyancing lawyers for you will transfer the purchase money to the seller's conveyancers, and once they have received this, you should be called to collect the keys from the property Agents and move into your new home. Usually this happens early afternoon.

Two weeks ago we had a mortgage agreed in principle with RBS. Coven conveyancing solicitors are instructed. How long does it take for RBS to issue the offer to the conveyancer?

There is no definitive answer here. Have RBS done the survey? Have you informed RBS as to your lawyers' details and checked that your lawyers are on the RBS conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.

I am expecting a OIP from Nationwide this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Nationwide recommend any Coven solicitors on the Nationwide conveyancing panel, or is it better to go independently?

You will need to appoint Coven solicitors independently although you'll need to choose one on the Nationwide conveyancing panel. The solicitor represents both you and Nationwide through the process.

I am buying a house and the conveyancer has identified Chancel Repair to which the property could be obligated to contribute to as it falls into the area of such a church. She has mentioned insurance. Is this strictly required for conveyancing in Coven

Unless a prior acquisition of the premises completed after 12 October 2013 you may expect conveyancing practitioners carrying out conveyancing in Coven to continue to advocate a chancel search and or chancel repair liability policy.

The estate agent has sent us the confirmation of our purchase of a new build apartment in Coven. Conveyancing is a frightening process 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.

Set out below are examples of a selection of leasehold new build enquiries that you may expect your new-build leasehold conveyancing in Coven

Please confirm the Lease plans are architect prepared. The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents.