My partner and I changing mortgage lender for our maisonette in South Harrow with Kent Reliance. We have a son 18 who lives with us. Our solicitor has asked us to disclose anyone over the age of 17 other than ourselves who reside at the property. Our lawyer has now e-mailed a document for our son to sign, giving up any rights in the event that the apartment is repossessed. I have two concerns (1) Is this document specific to the Kent Reliance conveyancing panel as he did not need 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 Kent Reliance 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 Kent Reliance. This is solely used to protect Kent Reliance 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 Kent Reliance 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.
We are planning to purchase with Darlington Building Society. I popped in a couple of local practices yet cant to find a South Harrow conveyancing firm on the Darlington Building Society approved list. Could you help?
Feel free to make use of the find a lender approved solicitor tool on this page. Please choose the building society and type South Harrow or your location and you will discover numerous solicitors based in South Harrow or near you.
My wife and I are downsizing from our house in South Harrow and according to the buyers it appears that there is a possibility that the property was constructed land that was not decontaminated. Any high street South Harrow conveyancer would know this is not the case. It does beg the question why the purchasers are using a nationwide conveyancing practice as opposed to a conveyancing solicitor in South Harrow. Having lived in South Harrow for three years we know that this is a non issue. Is it a good idea to contact our local Authority to get clarification that there is no issue.
It sounds as though you may have a conveyancing firm already. Are they able to advise? You should enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same illness)
How does conveyancing in South Harrow differ for newly converted properties?
Most buyers of new build property in South Harrow contact us having been asked by the housebuilder to exchange contracts and commit to the purchase even before the premises is completed. This is because developers in South Harrow typically acquire the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in South Harrow or who has acted in the same development.
I am looking for a ground for flat up to £245,000 and found one near me in South Harrow I like with open areas and station nearby, however it only has 61 remaining years left on the lease. There is not much else in South Harrow suitable, so just wondered if I would be making a mistake acquiring a lease with such few years left?
If you require a home loan the shortness of the lease may be an issue. Reduce the offer by the expected lease extension will cost if not already taken into account. If the current owner has owned the property for a minimum of twenty four months you could request that they start the process of the extension and pass it to you. An additional ninety years can be extended on to the current lease term with a zero ground rent applied. You should consult your conveyancing solicitor about this.
In my capacity as executor for the will of my father I am disposing of a residence in Monmouth but live in South Harrow. My solicitor (approximately 260 kilometers from merequires that I execute a stat dec before completion. Could you suggest a conveyancing lawyer in South Harrow who can attest this legal document for me?
Technically speaking you should not be required to have the documents witnessed by a conveyancing solicitor. Normally any notary public or qualified solicitor will suffice regardless of whether they are based in South Harrow