My husband and I changing mortgage lender for our maisonette in Southwell with Leeds Building Society. We have a son 19 who lives with us. Our solicitor requested us to identify any adults 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 flat is repossessed. I have a couple of concerns (1) Is this document specific to the Leeds Building Society conveyancing panel as he did not need to sign this form when we bought 3 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 Leeds Building Society. This is solely used to protect Leeds Building Society 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 Leeds Building Society 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.
About to place an offer on a leasehold apartment in Southwell. The selling agents advise that it is the norm for flats in Southwell to have less than 75 years left on the lease. I am obtaining a mortgage with Chelsea Building Society. Is this going to be a problem if the lease has Seventy One years remaining.
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are getting a mortgage then your lender may insist that the lease be extended before competition. Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 31/10/2025 the requirements read as follows :
I happen to be the sole beneficiary of my late father’s estate and I have everything in my name alone, including the my former home in Southwell. Conveyancing formalities meant that the Land Registry date was in October. I want to move. I do know about the CML 6 month 'rule', which means that my property ownership will be considered the same way as though I had purchased the house in October. Do I have to wait half a year to sell?
The CML handbook instructs solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you might be impacted by that. How practical a view banks take of it, depend on the mortgage company as this provision principally exists to capture subsales or the quick reselling of property.
How can we tell if a Southwell conveyancing solicitor on the RBS panel is any good?
When it comes to conveyancing in Southwell seeking recommendations is a sensible start. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one advertising the lowest fees. We would always recommend that you speak with the solicitor carrying out your conveyancing.
My partner and I have arranged the release of further funds on our mortgage from Nottingham as we wish to carry out a loft conversion to our property in Southwell. Are we obliged to appoint a bricks and mortar Southwell solicitor on the Nottingham conveyancing panel to deal with the paperwork?
Nottingham don't usually require a member of their approved list of lawyers to deal with the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Nottingham conveyancing panel.
Yesterday I discovered that there is a flying freehold issue on a house I have offered on last month in what should have been a quick, chain free conveyancing. Southwell is the location of the property. Can you offer any assistance?
Flying freeholds in Southwell are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Southwell you must be sure that your lawyer goes through the deeds very carefully. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Southwell may ascertain 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 premises.
We're novice buyers - had an offer accepted, yet the agent advised that the vendor will only proceed if we appoint the agent's recommended conveyancers as they need a ‘quick sale’. Our preferred option is to instruct a family solicitor with experience of conveyancing in Southwell
We suspect that the seller is not behind this requirement. If they want ‘a quick sale', turning down a serious buyer is is going to put the whole deal at risk. Speak to the vendors direct and explain that (a)you are serious purchasers (b)you are ready to progress, with mortgage lined up © you are unencumbered (d) you wish to move quickly (e)but you will continue to instruct your preferred Southwell conveyancing solicitors - rather thanthose that will give the estate agent a kickback or achieve conveyancing targets demanded by corporate headquarters.
What could I expect to pay for conveyancing in Southwell?
The amount you are charged for Southwell conveyancing costs are likely to be calculated at:
- a fixed fee; or
- on a time spent basis (i.e. the time spent on the particular case).
In reality very few Southwell conveyancing firms charge by the clock