My fiance and I changing mortgage lender for our flat in Rocester with Kent Reliance. We have a son 18 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 repossessed. I have a couple of concerns (1) Is this document specific to the Kent Reliance conveyancing panel as he did not need to sign this form when we purchased 5 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 Kent Reliance. This is solely used to protect Kent Reliance 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 Kent Reliance 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 told that my conveyancing solicitors will need to check that the building insurance when buying a house in Rocester. My lender is Nationwide Building Society

Nationwide Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 2/1/2026, the requirements read as follows :

Me and my brother have a 4 bedroom Georgian house in Rocester. Conveyancing solicitor represented me and Clydesdale. I did a free Land Registry search last week and I saw a couple of entries: one for freehold, the second leasehold with the exact same address. Is it worth asking Clydesdale to clarify?

You should review the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Rocester and other areas of the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with lenders. You can also check the situation with your conveyancing practitioner who conducted the purchase.

Due to the advice of my in-laws I had a survey completed on a property in Rocester before retaining solicitors. I have been told that there is a flying freehold aspect to the house. The surveyor has said that some mortgage companies may refuse to give a mortgage on this type of property.

It varies from the lender to lender. Lloyds has different requirements for example to Birmingham Midshires. If you contact us we can investigate further with the relevant lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Rocester. Conveyancing may be slightly more expensive based on your lender's requirements.

Expecting to complete next month on a studio apartment in Rocester. Conveyancing solicitors assured me that they are sending me a report tomorrow. Are there areas in the report that I should be focusing on?

The report on title for your leasehold conveyancing in Rocester should include some of the following:

It needs to be made clear to you if the lease allows you to add or upgrade anything in the premises- you must be made aware as to whether any restrictions relates to all alterations or just structural alteration, and whether licences for alterations is mandated necessary What remedies are open the freeholder should you breach a clause of your lease? The unexpired lease term. You should be advised as what happens when the lease ends, and informed of the importance of the 80 year mark Repair and maintenance of the flat Are you allowed to have a pet in the flat?

I invested in buying a 1 bedroom flat in Rocester, conveyancing having been completed half a dozen years ago. Can you shed any light on how much the price could be for a 90 year extension to my lease? Corresponding flats in Rocester with an extended lease are worth £165,000. The average or mid-range amount of ground rent is £50 levied per year. The lease comes to an end on 21st October 2103

With only 77 years unexpired we estimate the premium for your lease extension to be between £7,600 and £8,800 plus costs.

The suggested premium range that we have given is a general guide to costs for extending a lease, but we cannot give you the actual costs without more comprehensive due diligence. You should not use this information in a Notice of Claim or as an informal offer. There are no doubt other concerns that need to be considered and you obviously want to be as accurate as possible in your negotiations. Neither should you move forward based on this information without first seeking the advice of a professional.