My partner and I intend to remortgage our flat in Broughton with HSBC. We have a son approaching twenty who lives at home. Our solicitor requested us to identify any adults 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 two concerns (1) Is this form unique to the HSBC conveyancing panel as he never had to sign this form when we bought 3 years ago (2) Does our son by signing this compromise his entitlement to inherit the property?
First, rest assured that your HSBC 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 HSBC. This is solely used to protect HSBC 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 HSBC 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 Broughton. My lender is Platform
Platform have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 25/2/2025, the requirements read as follows :
I am selling our home in Broughton and according to the buyers it appears that there is a risk of it being constructed land that was not decontaminated. Any high street Broughton conveyancer would know that there is no such problem. It does beg the question why the buyers are using a web based conveyancing practice rather than a conveyancing solicitor in Broughton. We have lived in Broughton for six years we know that this is a non issue. Should we get in touch with our local Authority to get confirmation that the buyers are looking for.
It sounds as though you may have a conveyancing lawyer already. Are they able to advise? You must enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same sickness)
I have recentlyfound out that Wolstenholmes have closed. They carried out my conveyancing in Broughton for a purchase of a leasehold apartment 9 months ago. How can I be sure that the property is not still registered in the name of the former proprietor?
The easiest method to see if the premises is in your name, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Broughton conveyancing specialists.
How does conveyancing in Broughton differ for newly converted properties?
Most buyers of new build residence in Broughton contact us having been asked by the developer to sign contracts and commit to the purchase even before the residence is completed. This is because house builders in Broughton typically acquire the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Broughton or who has acted in the same development.
Given that I am about to spend £400,000 on a property in Broughton I wish to have a conversation with the solicitor concerning thetransaction ahead of appointing the firm. Can this be arranged?
Absolutely - we would be pleased to talk to you we do not take any clients on without you speaking to the lawyer due to be doing your conveyancing in Broughton.There is no ‘factory style conveyancing’ - every client is an important person, not a matter number. The law firms that we put you in touch with believe that the figure you are calculated and presented to you for residential conveyancing in Broughton should be the amount on the final invoice that you end up paying.