My wife and I intend to remortgage our apartment in Ossett with Yorkshire BS. We have a son 18 who lives with us. Our solicitor requested us to identify 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, waiving any legal rights in the event that the property is forfeited by the lender. I have a couple of questions (1) Is this form unique to the Yorkshire BS conveyancing panel as he never had to sign this form when we purchased 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 Yorkshire BS. This is solely used to protect Yorkshire 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 Yorkshire 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.
Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Ossett. My lender is The Mortgage Works
The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 11/9/2025, the requirements read as follows :
I own a terraced Georgian house in Ossett. Conveyancing lawyer represented me and National Westminster Bank. I did a free Land Registry search last week and I saw two entries: one for freehold, another for leasehold with the exact same property. I'd like to know for sure, how can I find out??
You should review the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Ossett and other locations in the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also question the situation with the conveyancing practitioner who carried out the work.
I'm buying my first flat in Ossett with a loan from Virgin Money. The builders refused to reduce the amount so I negotiated 6k of extras instead. The house builders rep told me not disclose to my conveyancer about this extras as it will impact my mortgage with the lender. Is this normal?.
All lenders require a Disclosure of Incentives Form from the developer 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 was recommended by a couple of local selling agents in Ossett to select a solicitor on your site. What’s the financial upside for Estate Agents to promote your lawyers over another?
We refuse to offer any referral fee for sending work to this site. We found it would be just too difficult a fee as members of the public would think, ‘How come the agent getting a kickback? Why am I not getting any benefit too?’ So we decided to step away from that.
We're novice buyers - agreed a price, but the estate agent advised that the vendor will only issue a contract if we use their recommended solicitors as they need an ‘expedited deal’. We would rather use a family conveyancer who is accustomed to conveyancing in Ossett
We suspect that the seller is unaware of this request. Should the seller desire ‘a quick sale', alienating a serious purchaser is counter productive. Try to communicate with the sellers directly and explain that (a)you are motivated purchasers (b)you are ready to progress, with mortgage lined up © you are unencumbered (d) you intend to proceed fast (e)but you are going to appoint your preferred Ossett conveyancing solicitors - not the ones that will provide their negotiator at the agency a introducer fee or achieve conveyancing figures set by corporate headquarters.