My uncle passed away last year and as sole heir and executor I was left the property in Sunninghill. The house had a relatively small loan remaining of approximately £4500. I want to have the title changed into my name whilst I re-mortgage to UBS, pay off the mortgage. Is this allowed?

If you plan to re-mortgage then UBS will require that you use a conveyancer on the UBS conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your UBS conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the UBS mortgage is registered as a charge at the Land Registry.

I'm buying my first flat in Sunninghill benefiting from help to buy. The sellers would not reduce the amount so I negotiated 6k of additionals instead. The property agent advised me not reveal to my solicitor about the extras as it would jeopardize my mortgage 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 opted to have a survey carried out on a property in Sunninghill before retaining solicitors. I have been told that there is a flying freehold overhang to the property. My surveyor advised that some lenders tend not issue a mortgage on a flying freehold premises.

It varies from the lender to lender. HSBC has different requirements for example to Halifax. If you contact us we can check via the relevant bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Sunninghill. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Sunninghill to see if the conveyancing costs will increase in light of this.

I need to instruct a conveyancing solicitor for freehold conveyancing in Sunninghill. I've discover a web site which appears to be the perfect answer If there is a chance to get all formalities completed via web that would be preferable. Do I need to be wary? What should out be looking out for?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?

Do I need to pop into the offices of the bank conveyancing panel solicitor to sign the mortgage deed? If so, I will instruct a firm who offer conveyancing in Sunninghill so that I can pop in to their offices if required.

As opposed to 15 years ago, most lenders no longer require their conveyancing panel solicitor to witness the borrowers signature. You will still be obliged to provide ID Documents and there are still distinct advantages to using a local solicitor, in your case a conveyancing solicitor in Sunninghill.