My fiance and I swapping mortgage lender for our apartment in South Hackney with TSB. 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 property is repossessed. I have two questions (1) Is this form unique to the TSB conveyancing panel as he did not need to sign this form when we bought 4 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 TSB 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 TSB. This is solely used to protect TSB 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 TSB 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 South Hackney. My lender is The Mortgage Works
The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 21/4/2025, the requirements read as follows :
My bid for a property was accepted at auction in South Hackney. Conveyancing is needed. What happens now?
Having legally committed yourself to purchase you will need to retain a conveyancing practitioner quickly as you now have a fast approaching deadline in which to complete the property. All auction property should have an associated legal set of papers. This will include most,if not all of the documents that your solicitor requires. If you have purchased leasehold property the conveyancing papers should contain a copy of the lease, management information and a sellers leasehold information form and associated conveyancing paperwork relating to leasehold premises. You should hand this to your appointed conveyancing solicitor as soon as possible. Do make sure that that you have the requisite funding in place to complete the transaction on the set completion date.
We have a mortgage agreed in principle with Bank of Ireland. South Hackney conveyancing lawyers were appointed. What is the average time that one could expect to receive a mortgage offer from Bank of Ireland?
Some lenders take longer than others. Have Bank of Ireland conducted the survey? Have you informed Bank of Ireland as to your lawyers' details and checked that your lawyers are on the Bank of Ireland conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
After what seems like an age I have had an offer on an apartment in South Hackney agreed to, but there is a chain. The owners have offered on a property, but it’s not yet tied up, and have viewings of other properties in the pipeline. I have instructed a local conveyancing solicitor in South Hackney. What do I do now? At what stage should I apply for the mortgage with Principality?
It is understandable to have apprehensions where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx one thousand pounds, then survey, South Hackney conveyancing search charges, etc). First, you must check that your conveyancing practitioner is on the Principality conveyancing panel. As to the subsequent stages this very much dictated by the circumstances of your case, motivation for this property and on the state of the market. During a buoyant market the majority of buyers will apply for a home loan with Principality and pay for the valuation and only if it was satisfactory would they request their conveyancer to move forward with searches.
Will our conveyancer be making enquiries regarding flooding as part of the conveyancing in South Hackney.
Flooding is a growing risk for solicitors specialising in conveyancing in South Hackney. Some people will acquire a house in South Hackney, fully aware that at some time, it may suffer from flooding. However, aside from the physical damage, where a house is at risk of flooding, it may be difficult to get a mortgage, adequate building insurance, or dispose of the property. Steps can be carried out during the course of a property purchase to forewarn the buyer.
Lawyers are not qualified to give advice on flood risk, but there are a various searches that may be undertaken by the purchaser or on a buyer’s behalf which will give them a better appreciation of the risks in South Hackney. The conventional set of property information forms given to a buyer’s lawyer (where the Conveyancing Protocol is adopted) incorporates a usual question of the owner to discover if the property has ever been flooded. In the event that flooding has previously occurred which is not revealed by the owner, then a purchaser may issue a claim for damages stemming from an incorrect reply. The buyer’s conveyancers may also order an environmental report. This will higlight if there is a recorded flood risk. If so, further inquiries will need to be conducted.
Yesterday I discovered that there is a flying freehold issue on a house I have offered on two weeks back in what was supposed to be a simple, no chain conveyancing. South Hackney is where the house is located. What do you suggest?
Flying freeholds in South Hackney are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in South Hackney you must be sure that your lawyer goes through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in South Hackney may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.
We expect to complete the sale of our £175,000 maisonette in South Hackney in just under a week. The landlords agents has quoted £336 for Certificate of Compliance, building insurance schedule and 3 years statements of service charge. Is it legal for a freeholder to charge an administration fee for a flat conveyance in South Hackney?
For most leasehold sales in South Hackney conveyancing will involve, queries regarding the management of a building inevitably needing to be answered directly by the freeholder or its agent, this includes :
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Completing pre-contract questions
Where consent is required before sale in South Hackney
Copies of the building insurance and schedule
Deeds of covenant upon sale
Registering of the assignment of the change of lessee after a sale
I have had difficulty in trying to purchase the freehold in South Hackney. Can this matter be resolved via the Leasehold Valuation Tribunal?
Where there is a absentee freeholder or if there is disagreement about the premium for a lease extension, under the relevant statutes it is possible to make an application to the LVT to determine the premium.
An example of a Freehold Enfranchisement matter before the tribunal for a South Hackney property is 150 Amhurst Road in December 2013. The tribunal concluded that the premium to be paid by the applicant for the enfranchisement of the subject property was £43,500. This case affected 4 flats. The unexpired lease term was 90 (or thereabouts).