My wife and I intend to remortgage our apartment in Stroud Green with RBS. We have a son approaching twenty who lives with us. Our solicitor requested us to identify any adults 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 property is forfeited by the lender. I have a couple of concerns (1) Is this document specific to the RBS conveyancing panel as he did not need to sign this form when we remortgaged 3 years ago (2) Does our son by signing this compromise his rights to inherit the property?

First, rest assured that your RBS 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 RBS. This is solely used to protect RBS 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 RBS 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'm buying my first flat in Stroud Green benefiting from help to buy. The sellers refused to reduce the amount so I negotiated £7000 of additionals instead. The estate agent advised me not inform my lawyer about this extras as it would adversely affect my loan with the lender. Should I keep quiet?.

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.

My uncle has recommend that I instruct his conveyancing solicitors in Stroud Green. Do I follow his guidance?

No doubt the best way to select a conveyancing practitioner is to have recommendations from friends or relatives who have used the conveyancer that you are are thinking of instructing.

I am hoping to complete next month on a basement flat in Stroud Green. Conveyancing lawyers have said that they are sending me a report on Monday. What should I be looking out for?

Your report on title for your leasehold conveyancing in Stroud Green should include some of the following:

What the implications are if you are in breach of your lease terms? Where does the liability rest to repair and maintain the block. It is essential that you know who is responsible the repair and maintenance of all parts of the block and communal areas Advice as to the provision in the lease to to contribute towards maintenance costs - with regard to both the building, and the more general rights a leaseholder has It needs to be made clear to you whether the lease permits you to change or upgrade aspects of the premises- you should know whether it applies to all alterations or limited to structural alteration, and whether consent is required

I inherited a basement flat in Stroud Green. In the absence of agreement between myself and the landlord, can the Leasehold valuation Tribunal make a decision on the sum payable for the purchase of the freehold?

You certainly can. We are happy to put you in touch with a Stroud Green conveyancing firm who can help.

An example of a Freehold Enfranchisement matter before the tribunal for a Stroud Green flat is 51 Lorne Road in November 2009. The price Payable as decided by the tribunal for the freehold reversion was £27,000. The valuation follows the order of the County Court made on 3 April 2008 granting a vesting order. This case related to 1 flat. The unexpired residue of the current lease was 71 years.

Should I cancel the direct debit for my mortgage with Santander as soon as a completion date for my sale in Stroud Green has been set?

No, you must maintain paying any mortgage payments to Santander pending the mortgage being discharged on completion as part of your Stroud Green conveyancing.