My partner and I intend to remortgage our maisonette in Hagley with Principality. We have a son 18 who lives with us. Our solicitor requested us to identify any adults other than ourselves who lives in the flat. 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 Principality conveyancing panel as he did not need 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?

First, rest assured that your Principality 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 Principality. This is solely used to protect Principality 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 Principality 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 the sole recipient of my late father’s estate with all property in now in my sole name, including the house in Hagley. Conveyancing formalities meant that the Land Registry date was in November. I want to move. I do know about the CML six month 'rule', which means that my proprietorship may be treated the same way as if I'd bought the house in November. Do I have to wait half a year to sell?

The CML handbook obliges conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you could be impacted by that. Most lenders would take a practical view as this requirement is chiefly there to identify subsales or the quick reselling of properties.

TSB have agreed my mortgage in principle, my bid on a property in Hagley has been accepted, what happens next?

Your property agent will wish to know who your solicitors are (be sure the lawyers are on the bank’s panel). Contact TSB or your financial adviser and finalise any appropriate documentation. TSB will instruct a valuer who will get in contact with the selling agent or owners to schedule a slot for the valuation to happen. Once conducted (assuming no problems) it takes about a fortnight for the mortgage offer to be issued. TSB will send the offer to you and your property lawyers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Hagley.

After what seems like an age I have had an offer on an apartment in Hagley agreed to, the sellers do however have a connected purchase. The vendors have put an offer on on an apartment, however it’s not yet agreed to, and have viewings of other flats booked. I have chosen a bricks and mortar conveyancing solicitor in Hagley. What do I do now? When should I get the mortgage application with Clydesdale going?

It is usual to have concerns where there is a chain as you are unlikely to want to incur costs prematurely (home loan application is approx £1k, then valuation, Hagley conveyancing search costs, etc). First, you must check that your conveyancer is on the Clydesdale conveyancing panel. Regarding the subsequent steps this very much dictated by the circumstances of your case, motivation for this property and on the state of the market. In a rising market the majority of purchasers will apply for a home loan with Clydesdale and arrange for the valuation and only if it was satisfactory would they pay their lawyer to move forward with searches.

I am purchasing a house and the solicitor has raised the issue of Chancel Repair to which the house may be obligated to contribute to given it’s proximity to the area of such a church. She has recommended insurance. Is this really necessary for conveyancing in Hagley

Unless a previous purchase of the premises completed post 12 October 2013 you can assume that conveyancing practitioners handling conveyancing in Hagley to continue to propose a a chancel search and or insurance against a claim.

My step-father has urged me to use his conveyancing solicitors in Hagley. Should I find my own conveyancer?

Much as we are happy to recommend a Hagley conveyancing lawyer the ideal way to find a conveyancing solicitor is to seek recommendations from friends or family who have previously instructed the solicitor you're are thinking of instructing.

What can I do to establish who owns a property in Hagley?

As long as the premises is recorded at HM Land Registry, and you have sufficient information of the address of the premises, you should be able to view details from the the Land Registry of the registered proprietor for a fee.