My wife and I intend to remortgage our flat in Frinton and Walton with Co-operative. We have a son 18 who lives with us. 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 forfeited by the lender. I have a couple of questions (1) Is this form unique to the Co-operative conveyancing panel as he did not need to sign this form when we bought 5 years ago (2) Does our son by signing this giving up his rights to inherit the property?

First, rest assured that your Co-operative 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 Co-operative. This is solely used to protect Co-operative 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 Co-operative 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.

Why do I have to pay up front for conveyancing in Frinton and Walton?

Where you are retaining lawyers for conveyancing in Frinton and Walton your lawyer will ask you put them with monies to cover the search fees. This will be the total of the cost of the conveyancing searches. When the down payment is payable against the sale price then this will be asked for shortly before contracts are exchanged. The closing balance that is due should be sent to your lawyer a couple of days prior to the completion date.

I need some fast conveyancing in Frinton and Walton as I am faced with pressure to sign on the dotted line in less than one month. A mortgage is not required. Is it possible to avoid the conveyancing searches to save fees and time?

As you are not obtaining a home loan you are at liberty not to do searches although no conveyancer would suggest that you don't. With plenty of history conveyancing in Frinton and Walton the following are examples of issues that can crop up and therefore impact the marketability of the property: Enforcement Actions, Overdue Fees, Outstanding Grants, Unadopted Roads,...

Are there restrictive covenants that are commonly identified during conveyancing in Frinton and Walton?

Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Frinton and Walton. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’

My brother is purchasing a garden flat in Frinton and Walton. He was given a quote by the conveyancer recommended by the estate agents totaling £1385 . It was 7 years ago I sold and purchased a house and the fee was £600. Have costs really increased to that extent?

What does the conveyancing estimate include? Is it just for the legal fees, or what you will be paying in total (for example Frinton and Walton searches, land registry fees, etc)