My husband and I swapping mortgage lender for our maisonette in Mossley with Lloyds. We have a son 18 who lives at home. Our solicitor requested us to identify anyone over the age of 17 other than ourselves who lives in the flat. The solicitor has now sent a form for our son to sign, giving up any rights in the event that the apartment is repossessed. I have two concerns (1) Is this form unique to the Lloyds conveyancing panel as he did not need to sign this form when we remortgaged 3 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?
First, rest assured that your Lloyds 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 Lloyds. This is solely used to protect Lloyds 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 Lloyds 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.
Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Mossley. My lender is Virgin
Virgin have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 1/10/2025, the requirements read as follows :
My partner and I are close to exchanging contracts on the sale of our home in Mossley and the buyers lawyers are claiming that there is a risk of it being constructed on contaminated land. Any high street Mossley conveyancer would know that there is no such problem. For the life of me I don't know why the purchasers are using a national conveyancing outfit rather than a conveyancing solicitor in Mossley. We have lived in Mossley for 4 years we know of no issue. Do we get in touch with our local Authority to get confirmation need.
It would appear that you have a conveyancing firm already. What do they say? You must check with 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 health insurance to cover that same illness)
About to purchase a new build apartment in Mossley. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.
Set out below are examples of a few leasehold new build questions that you should expect your new-build leasehold conveyancing in Mossley
-
The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. Forfeiture - bankruptcy or liquidation must not apply under this provision. Please supply evidence that the form of Lease proposed has been approved by the Land Registry. Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company?
I opted to have a survey done on a property in Mossley ahead of appointing lawyers. I have been informed that there is a flying freehold aspect to the house. The surveyor has said that some banks will not grant a mortgage on this type of house.
It depends who your proposed lender is. Santander has different requirements for example to Birmingham Midshires. Should you wish to telephone us we can check via the appropriate bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Mossley. Conveyancing will be smoother if you use a solicitor in Mossley especially if they regularly deal with such properties in Mossley.
Is it best to use a Mossley conveyancing practitioner in close proximity to the house I am purchasing? We have a good friend who can deal with the legal work however they are based a couple of hundredkilometers away.
The primary upside of using a high street Mossley conveyancing practice is that you can pop in to execute paperwork, hand in your identification documents and pester them where appropriate. They will also have local knowledge which is a bonus. However nothing is more important than finding someone that will pull out all the stops for you. If if people you trust used your friend and they were happy that should outweigh using an unfamiliar Mossley conveyancing lawyer solely due to them being round the corner.