My husband and I are refinancing our flat in Delabole with Coventry BS. We have a son 18 who lives at home. Our solicitor has asked us to disclose any adults other than ourselves who lives in the flat. Our lawyer has now e-mailed a document for our son to sign, giving up any rights in the event that the property is repossessed. I have two concerns (1) Is this form unique to the Coventry BS conveyancing panel as he never had to sign this form when we remortgaged 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 Coventry BS. This is solely used to protect Coventry BS 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 Coventry BS 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.
Why do I have to pay up front when it comes to conveyancing in Delabole?
If you are buying a property in Delabole your solicitor will request that you put them with funds to cover the search fees. Ordinarily this is requested to cover the fees of the conveyancing searches. If any down payment is as part of the purchase price then this should be required shortly in advance of contracts are exchanged. The closing balance that is needed should be sent to your lawyer shortly before completion.
Will my conveyancing lawyers need to check that the building insurance when buying a house in Delabole. My lender is Accord Mortgages
Accord Mortgages have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 11/1/2025, the requirements read as follows :
Are there restrictive covenants that are commonly picked up as part of conveyancing in Delabole?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Delabole. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
In what way can the Landlord & Tenant Act 1954 impact my commercial property in Delabole and how can your lawyers assist?
The 1954 Act provides security of tenure to business lessees, giving them the right to apply to court for a continuation of occupancy at the end of the lease term. There are limited grounds that a landlord can refrain from granting a lease renewal and the rules are complicated. We are happy to direct you to commercial conveyancing firms who use the act for protection and help with commercial conveyancing in Delabole
Are there common defects that you witness in leases for Delabole properties?
There is nothing unique about leasehold conveyancing in Delabole. All leases are drafted differently and legal mistakes in the legal wording can sometimes mean that certain clauses are wrong. For example, if your lease is missing any of the following, it could be defective:
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A provision for the recovery of money spent for the benefit of another party. Insurance obligations
You may have difficulties when selling your property if you have a defective lease primarily because it impacts on the ability to obtain a mortgage on the property. Barclays , Barnsley Building Society, and Nottingham Building Society all have very detailed conveyancing instructions when it comes to what is expected in a lease. If a mortgage lender believes that the lease is problematic they may refuse to provide security, obliging the buyer to withdraw.
Leasehold Conveyancing in Delabole - Sample of Questions you should consider Prior to Purchasing
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Is anyone aware of any major works in the planning that will increase the service fees? Who manages the block? How much is the ground rent and service charge?