My partner and I intend to remortgage our penthouse in Herne Bay with UBS. We have a son 19 who lives with us. Our solicitor requested us to identify 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 apartment is forfeited by the lender. I have two concerns (1) Is this document specific to the UBS conveyancing panel as he never had to sign this form when we remortgaged 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 UBS 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 UBS. This is solely used to protect UBS 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 UBS 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.

Me and my brother purchased a 4 bedroom Georgian house in Herne Bay. Conveyancing solicitor represented me and Skipton Building Society. I happened to do a free search for it on the Land Registry database and I saw two entries: one for freehold, the second leasehold under the matching property. I'd like to know for sure, how can I find out??

You should assess 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 owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Herne Bay and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with lenders. You can also question the position with the conveyancing practitioner who conducted the conveyancing.

Over the last few months I have been searching for a ground for flat up to £245,000 and found one close by in Herne Bay I like with amenity areas and transport links nearby, the downside is that it only has 61 years on the lease. I can't really find anything else in Herne Bay for this price, so just wondered if I would be making a grave error buying a lease with such few years left?

Should you need a home loan that many years may be problematic. Reduce the offer by the expected lease extension will cost if not already taken into account. If the current proprietor has owned the premises for a minimum of twenty four months you can request that they start the process of the extension and then assign it to you. You can add 90 years to the current lease term and have £0 ground rent by law. You should speak to your conveyancing solicitor concerning this.

I need to appoint a conveyancing solicitor for purchase conveyancing in Herne Bay. I happened to land on a site which looks to be the perfect offering If it is possible to get all this stuff done via web that would be preferable. Do I need to be concerned? What should out be looking out for?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?

Are there any apps to help find a Herne Bay conveyancing solicitor on the lender conveyancing panel? I have a car and am prepared to travel up to 20kilometers to meet the solicitor.

Feel free to make use of the find a conveyancing panel search on this website. Please choose the lender and your location, in this case Herne Bay and you will see a number of lawyer located nearest Herne Bay. Alternatively you can type in the name of your proposed law firm and see if they are listed as being on the mortgage company solicitor panel.