My partner and I swapping mortgage lender for our maisonette in Wigan with Clydesdale. We have a son approaching twenty who lives with us. Our solicitor has asked us to disclose any adults other than ourselves who lives in the flat. Our lawyer has now e-mailed a document for our son to sign, waiving any legal rights in the event that the flat is repossessed. I have a couple of questions (1) Is this form unique to the Clydesdale conveyancing panel as he never had to sign this form when we purchased 3 years ago (2) Does our son by signing this giving up his rights 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 Clydesdale. This is solely used to protect Clydesdale 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 Clydesdale 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.
When can the exchange of contracts happen for residential conveyancing in Wigan and am I required to be at the solicitors branch?
If you are near to one of the conveyancing solicitors in Wigan you are welcome to attend to sign the paperwork. However, the lender approved solicitors we work with supply countrywide coverage for conveyancing and provide just as diligent and professional a job for you when dealing with you by post or email. The executing of the contract is not the point of no return. Signing on the dotted line is just a prerequisite for the firm to exchange contracts when the time is right, which will usually be very shortly after signing. The exchange process is is usually a five minute process, although where a long "chain" is involved, since the process requires the relevant party's solicitor (not necessarily a conveyancing solicitor in Wigan)to be in the office at the appropriate time.
Will my conveyancing lawyers need to check that the building insurance when buying a house in Wigan. My lender is Accord Mortgages
Accord Mortgages have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 3/12/2025, the requirements read as follows :
My friend recommended that where I am purchasing in Wigan I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
This is a search is sometimes quoted for as part of the standard Wigan conveyancing searches. It is a large report of more than thirty pages, listing and detailing significant information about Wigan around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime details, Wigan Education with plans and statistics, Local Amenities and other useful information regarding Wigan.
four months have elapsed since my purchase conveyancing in Wigan took place. I have checked the Land Registry site which shows that I paid £150,000 when infact I paid £160,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the property from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
What tools are available to locate a Wigan law firm on the Accord Mortgages Ltd conveyancing panel? I have a car and am prepared to travel upto 20kilometers to meet the lawyer.
Feel free to make use of the search on this website. Please select a mortgage company and your location and you will see a number of Wigan conveyancing lawyers located nearest you. We have detailed some Wigan conveyancing firms towards the end of this page and you can telephone them to see whether they are on the Accord Mortgages Ltd panel