My fiance and I intend to remortgage our flat in Johnstown with . We have a son approaching twenty who lives at home. Our solicitor requested us to identify anyone over the age of 17 other than ourselves who lives in the flat. 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 document specific to the conveyancing panel as he never had 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 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 . This is solely used to protect 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 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 had appointed solicitors locally in Johnstown on the solicitor panel. They have just invoiced me an additional sum for handling the mortgage. Is this a supplemental conveyancing fee specified by ?

Provided it is contained in their Terms and Conditions or estimate then yes your can levy a fee for this. The fee is not dictated by but by your Johnstown . Plenty of firms on the panel will charge an ‘acting for lender’ fee but some firms include it on their overall fee.

My husband and I have organised the release of further monies on our mortgage from as we wish to carry out alterations to our property in Johnstown. Do we need to choose a nearby Johnstown solicitor on the conveyancing panel to deal with the legals?

would not normally instruct firms on their conveyancing panel to deal with such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the conveyancing panel.

I had an offer accepted on a house in Johnstown on , valuation was booked 2 days after, received a clean bill of health. Property lawyer retained, so the only thing outstanding was my mortgage offer. Having made daily calls to and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the conveyancing panel. Can the lender hold off the offer?

A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for to deal with your lawyer's application to be on the conveyancing panel. There's no guarantee that your solicitor will be accepted.

Do commercial conveyancing searches disclose proposed roadworks that could impact a commercial estate in Johnstown?

Its becoming the norm that commercial conveyancing solicitors in Johnstown will order a SiteSolutions Highways report as it reduces the time that conveyancers invest in investigating accurate data on highways that impact buildings and development assets in Johnstown. The report provides definitive information on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Johnstown.

For each commercial conveyancing transaction in Johnstown it is critical to investigate the adoption status of roads surrounding a site. The absence of identifying developments where adoption procedures have not been dealt with adequately could cause delays to Johnstown commercial conveyancing deals as well as pose a risk to future intentions for the site. These searches are not ordered for residential conveyancing in Johnstown.

I have recentlydiscovered that Wolstenholmes have been shut down. They conducted my conveyancing in Johnstown for a purchase of a freehold house 10 months ago. How can I check that the property is in my name in the name of the former proprietor?

The quickest way to see if the property is registered to you, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Johnstown conveyancing specialists.

Due to the encouragement of my in-laws I had a survey completed on a house in Johnstown in advance of appointing conveyancers. I have been informed that there is a flying freehold element to the property. The surveyor advised that some mortgage companies tend refuse to grant a loan on a flying freehold premises.

It varies from the lender to lender. Lloyds has different instructions from Nationwide. If you contact us we can look into this further with the appropriate bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Johnstown. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Johnstown to see if the conveyancing will be more expensive.