My wife and I intend to remortgage our apartment in Lampton with Nottingham. We have a son 18 who lives at home. 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, giving up any rights in the event that the flat is repossessed. I have a couple of questions (1) Is this form unique to the Nottingham conveyancing panel as he did not need to sign this form when we purchased 5 years ago (2) Does our son by signing this compromise his entitlement to inherit the property?

First, rest assured that your Nottingham 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 Nottingham. This is solely used to protect Nottingham 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 Nottingham 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 have a decision in principle. The bank mentioned the mortgage came with free conveyancing. Is the implication that I have to appoint their panel conveyancer as I would prefer to instruct a Lampton based conveyancing firm?

Do check but the the probability is that appoint one of their panel conveyancers if you accept the "fee-free" incentive. Contact the bank to check if they offer you a cash alternative. It is not unheard for a lender to give a £250 cashback as a further option in which case that money can go towards the cost for your conveyancing solicitor near Lampton.

I'm buying a new build house in Lampton benefiting from help to buy. The sellers would not move on the price so I negotiated 6k of additionals instead. The house builders rep suggested that I not disclose to my lawyer about this side-deal as it would put at risk my mortgage with the bank. Is this normal?.

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.

I decided to have a survey carried out on a property in Lampton prior to instructing lawyers. I have been advised that there is a flying freehold element to the house. Our surveyor has said that some lenders will refuse to grant a mortgage on this type of home.

It varies from the lender to lender. Santander has different instructions from Halifax. If you contact us we can check with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Lampton. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Lampton to see if the conveyancing costs will increase in light of this.

I require the services of a bank panel solicitor in Lampton. Could you help me?

It is not clear why you need a Lampton panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to the lender to find out which solicitors in Lampton are on their panel . If you do find such a firm in Lampton not listed please direct them to our site to list. At a fee of one pound per month it is not expensive to register on the site