I am obtaining a mortgage with Halifax. I would like to instruct a Licensed Conveyancer in Plumstead. Does the Halifax Conveyancing panel include conveyancers regulated by the CLC?

The Halifax approved solicitor list is, like many other lenders, associated to the Council or Mortgage Lenders or Building Society Association, open to Licensed Conveyancers regulated by the CLC.

My partner and I intend to remortgage our apartment in Plumstead with HSBC. We have a son 18 who lives at home. Our solicitor has asked us to disclose any adults other than ourselves who reside at the property. The solicitor has now sent a form for our son to sign, waiving any legal rights in the event that the apartment is forfeited by the lender. I have two questions (1) Is this form unique to the HSBC conveyancing panel as he never had 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 HSBC 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 HSBC. This is solely used to protect HSBC 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 HSBC 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.

Having sold my house in Plumstead last July but the buyer keeps SMS messaging me to say their conveyancer is waiting to hear from mysolicitor. What are the post completion sale formalities now that I have sold?

Post completion of your disposal your conveyancer should send the transfer deeds and all supplemental paperwork to the buyer’s conveyancer. If applicable, your solicitor must also evidence that the legal charge in favour of the lender has been discharged to the purchasers solicitors. There is unlikely to be post completion steps unique to conveyancing in Plumstead.

I am buying a new build flat in Plumstead. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.

Set out below is a sample of a selection of leasehold new build questions that you should expect your new-build leasehold conveyancing in Plumstead

Please provide evidence that the form of Lease proposed has been approved by the Land Registry. There must be mutual enforceability of lessee’s covenants. Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme.

We are about to acquiring a flat in Plumstead. Could the conveyancer keep the amount we are are buying for confidential from the likes of Rightmove. Is this achievable and how?

HM Land Registry by statute are bound to disclose price sold data on the official title for residential properties nationwide which includes homes in Plumstead. The register of ownership is an open document, so the Land Registry would be breaching their statutory duty excluded specific properties such as the property in Plumstead.

You can make a request of HMLR to hide the amount paid data but the response would be in the negative.