My husband and I changing mortgage lender for our apartment in Farnham with HSBC. We have a son approaching twenty who lives at home. Our solicitor has asked us to disclose anyone over the age of 17 other than ourselves who lives in the flat. The solicitor has now sent a form for our son to sign, giving up any rights in the event that the flat is forfeited by the lender. I have two questions (1) Is this document specific to the HSBC conveyancing panel as he never had to sign this form when we remortgaged 5 years ago (2) Does our son by signing this giving up his entitlement 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.
I am purchasing a house and require a conveyancing solicitor in Farnham who is on the TSB conveyancing. Can you recommend a local conveyancing firm?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for TSB in certain locations such as Farnham. We dont recommend any particular firm.
Are all Farnham Conveyancing Quality Solicitors on the Clydesdale conveyancing list of approved solicitors?
Some major lenders now utilise CQS as the starting point for Panel approval such as HSBC and Santander. The Law Society’s CQS membership however is no guarantee to lender panel acceptance. Nevertheless,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for firms wishing to remain on their panels.
is it true that all Farnham solicitor practices on the Yorkshire BS conveyancing panel are regulated by the Solicitors Regulatory Authority?
As a firm of solicitors, in order to be on the Yorkshire BS conveyancing panel they would need to be governed by the SRA. Some mortgage companies do list licenced conveyancers on their panel in which case such organisation would be regulated by the CLC.
We are getting a further advance on our home loan from Yorkshire BS as we intend to carry out improvements to our house in Farnham. Do we need to choose a nearby Farnham solicitor on the Yorkshire BS conveyancing panel to handle the legals?
Yorkshire BS do not ordinarily require a member of their conveyancing panel to handle such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Yorkshire BS conveyancing panel.
In surfing the world wide web for the phrase cheap conveyancing in Farnham it shows results of many property lawyersin the area. How do I determine which is the suitable conveyancing solicitor for the sale of my house?
The preferential way of seeking the right conveyancer is via trusted referral, so enquire of colleagues and relatives who have bought a property in Farnham or a respected estate agent or mortgage broker. Costs for conveyancing in Farnham vary, so it's sensible to secure a minimum of four fee calculations from varying types of law firms. Dont forget to clarify that the costs are guaranteed not to to be inflated.
What are the frequently found defects that you encounter in leases for Farnham properties?
Leasehold conveyancing in Farnham is not unique. Most leases are drafted differently and legal mistakes in the legal wording can sometimes mean that certain provisions are missing. For example, if your lease is missing any of the following, it could be defective:
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Clauses dealing with recovering service charges for expenditure on the building or common parts. Repairing obligations to or maintain elements of the premises
You may encounter a problem when selling your property if you have a defective lease primarily because it impacts on the ability to obtain a mortgage on the property. National Westminster Bank, Skipton Building Society, and Clydesdale all have very detailed requirements when it comes to what is expected in a lease. Where a lender has been advised by their lawyers that the lease does not cover certain provisions they may refuse to grant the mortgage, obliging the purchaser to pull out.
Leasehold Conveyancing in Farnham - Examples of Queries Prior to Purchasing
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It is important to be aware if changing the roof or some other major work is due in the near future to be shared amongst the leasehold owners and may well materially increase the the maintenance costs or result in a specific invoice. This question is important as a) areas may cause problems in the block as the common areas may start to deteriorate where repairs remain unpaid b) if the tenants have an issue with the running of the building you will want to have full disclosure
My husband and I today found out that one of the partners of the firm handling the purchase conveyancing in Farnham is is the mother of the owners that we are purchasing from. Is this permitted?
As long as no conflict arises this should be fine. Where you are obtaining mortgage finance then the mortgage company may have a say as many mortgage companies have specific instructions concerning this. For example for RBS - Virgin One as of 28/8/2025, the requirements read as follows :