My partner and I intend to remortgage our flat in Ombersley with TSB. 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 questions (1) Is this document specific to the TSB conveyancing panel as he never had to sign this form when we purchased 3 years ago (2) Does our son by signing this extinguish his rights to inherit the property?

First, rest assured that your TSB 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 TSB. This is solely used to protect TSB 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 TSB 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.

Will conveyancers ask for money up-front for conveyancing in Ombersley?

Where you are retaining lawyers for conveyancing in Ombersley your solicitor will request that you put them with funds to cover the search fees. This will be the total of the cost of the Local Authority Search. If any down payment is payable against the sale price then this should be asked for immediately prior to exchange of contracts. The closing balance that is needed should be sent to your lawyer a couple of days ahead of the day of completion.

I'm buying my first flat in Ombersley with a loan from Santander. The builders refused to reduce the amount so I negotiated five thousand pounds worth of extras instead. The property agent advised me not inform my solicitor about the extras as it could jeopardize my loan with the lender. Is this normal?.

All lenders require a Disclosure of Incentives Form from the builder 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 am selling my property. My former lawyers closed down. I would be grateful for any recommendation of a conveyancing firm. Im based in Ombersley if that affects matters.

You should use our search tool to help you choose a solicitor for your conveyancing in Ombersley. We have connected thousands of home buyers and sellers with regulated solicitors to ensure that the legalities of their house move runs smoothly.

Is it best to choose a Ombersley conveyancing solicitor based in the location that I am buying? We have a good friend who can execute the conveyancing but they are based 200kilometers away.

The benefit of a high street Ombersley conveyancing firm is that you can visit the firm to sign paperwork, present your ID and pester them where appropriate. They will also have local knowledge which is a bonus. That being said nothing is more important than finding someone that will do a good and efficient job. If you know people who used your friend and they were impressed that should outweigh using an unknown Ombersley conveyancing solicitor solely due to them being round the corner.