My wife and I intend to remortgage our maisonette in Kidsgrove with Co-operative. We have a son 18 who lives with us. Our solicitor has asked us to disclose anyone over the age of 17 other than ourselves who reside at the property. The solicitor has now sent a form for our son to sign, giving up any rights in the event that the property is repossessed. I have two questions (1) Is this document specific to the Co-operative conveyancing panel as he never had to sign this form when we bought 4 years ago (2) Does our son by signing this compromise his entitlement to inherit the property?
First, rest assured that your Co-operative 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 Co-operative. This is solely used to protect Co-operative 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 Co-operative 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.
Can your site be used to recommend a Conveyancing solicitor in Kidsgrove even if I’m not purchasing or disposing of a house, for example if I want to buy a shop in Kidsgrove with a loan from TSB?
Our search tool is mainly used to select residential conveyancing solicitors in Kidsgrove but we have set out towards the end of this page some Kidsgrove commercial conveyancing firms. You will need to make contact with the solicitors directly to see if they are also authorised to represent TSB
My wife and I are purchasing a house in Kidsgrove. It might be a silly question but how we can trust a solicitor? On the day of competition we will need to send funds into their account. What is the protection we have from them run away with our deposit?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
I had a mortgage agreed in principle with RBS. Kidsgrove conveyancing practitioners are chosen. What is the average time that one could expect to receive a mortgage offer from RBS?
Some lenders take longer than others. Have RBS completed the valuation? Have you advised RBS as to your lawyers' details and checked that your lawyers are on the RBS conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
Having digested plenty of house buying guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Kidsgrove solicitor - who is on the TSB conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
TSB will need an independent valuation of the property. Your lawyer will not arrange this. Usually TSB will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your conveyancer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Kidsgrove postcode. As you are getting a mortgage with TSB, you could contact them to see if they have a list of approved surveyors in Kidsgrove.
Are there restrictive covenants that are commonly identified as part of conveyancing in Kidsgrove?
Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Kidsgrove. 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…’
I am looking for a ground for flat up to £235,500 and identified one round the corner in Kidsgrove I like with open areas and railway links in the vicinity, however it's only got 61 years on the lease. I can't really find anything else in Kidsgrove in this price bracket, so just wondered if I would be making a mistake buying a short lease?
Should you require a mortgage the remaining unexpired lease term will likely be problematic. Reduce the offer by the anticipated lease extension will cost if not already taken into account. If the current owner has owned the property for a minimum of twenty four months you can request that they start the process of the extension and then assign it to you. An additional ninety years can be extended on to the current lease term with a zero ground rent applied. You should speak to your conveyancing lawyer regarding this.
We today become aware that one of the directors of the law firm handling the purchase conveyancing in Kidsgrove is an uncle of the vendor. Is this allowed?
As long as no conflict arises this is permitted. Where you are needing mortgage finance then the bank may have a say as many mortgage companies have specific instructions on this. For example for Nationwide Building Society as of 23/8/2026, the requirements read as follows :