My husband and I are refinancing our maisonette in Mobberley with Nationwide. We have a son 19 who lives at home. 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, giving up any rights in the event that the apartment is forfeited by the lender. I have two concerns (1) Is this document specific to the Nationwide 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?

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 Nationwide. This is solely used to protect Nationwide 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 Nationwide 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.

Do banks and building societies provide you with an approved list of Mobberley conveyancing solicitors? How do you know who is on the Skipton conveyancing panel?

Mobberley conveyancing firms themselves provide us confirmation that they are on the Skipton conveyancing panel as opposed to being supplied with a list from Skipton directly.

I am buying my first flat in Mobberley benefiting from help to buy. The sellers refused to move on the price so I negotiated £7000 of additionals instead. The house builders rep advised me not disclose to my solicitor about the side-deal as it could jeopardize my mortgage with Nottingham Building Society. Should I keep quiet?.

All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.

Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.

Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.

Given that I will soon spend £400,000 on a garden flat in Mobberley I would like to have a conversation with the conveyancer regarding thehome move ahead of appointing the firm. Can this be arranged?

This is something that we encourage - it is our preference to talk to you we do not take any clients on without you speaking to the conveyancer due to be doing your conveyancing in Mobberley.There is no ‘factory style conveyancing’ - every client is unique person, not a case number. The practices that we put you in touch with believe that the figure you are quoted for residential conveyancing in Mobberley should be the figure that you are charged.

I today plan to offer on a house that seems to meet my requirements, at a reasonable price which is making it all the more appealing. I have subsequently found out that the title is leasehold rather than freehold. I would have thought that there are particular concerns buying a leasehold house in Mobberley. Conveyancing lawyers have not yet been instructed. Will they explain the issues?

Most houses in Mobberley are freehold rather than leasehold. This is one of the situations where having a local solicitor who is familiar with the area who can assist with the conveyancing process. We note that you are buying in Mobberley so you should seriously consider looking for a Mobberley conveyancing practitioner and check that they are used to transacting on leasehold houses. First you will need to check the number of years remaining. Being a lessee you will not be entirely free to do whatever you want with the house. The lease will likely included provisions for example requiring the landlord’spermission to carry out changes to the property. It may be necessary to pay a service charge towards the upkeep of the communal areas where the house is located on an estate. Your conveyancer will report to you on the legal implications.

I own a basement flat in Mobberley, conveyancing formalities finalised March 1999. Can you please calculate a probable premium for a statutory lease extension? Corresponding flats in Mobberley with an extended lease are worth £211,000. The average or mid-range amount of ground rent is £50 yearly. The lease expires on 21st October 2092

You have 68 years unexpired the likely cost is going to span between £9,500 and £11,000 as well as costs.

The suggested premium range that we have given is a general guide to costs for renewing a lease, but we are not able to advice on a more accurate figure in the absence of comprehensive investigations. Do not use this information in a Notice of Claim or as an informal offer. There may be additional issues that need to be considered and you obviously want to be as accurate as possible in your negotiations. Neither should you take any other action based on this information without first getting professional advice.