My partner and I are refinancing our flat in Telford with Lloyds. We have a son approaching twenty 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. The solicitor has now sent a form for our son to sign, giving up any rights in the event that the flat is repossessed. I have two concerns (1) Is this document specific to the Lloyds conveyancing panel as he never had to sign this form when we purchased 5 years ago (2) Does our son by signing this compromise his entitlement 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 Lloyds. This is solely used to protect Lloyds 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 Lloyds 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.
It is 10 years ago since I acquired my home in Telford. Conveyancing lawyers have now been appointed on the sale but I am unable to locate the title documents. Will this jeopardise the sale?
Don’t worry too much. Firstly the deeds may be with the mortgage company or they could be in the possession of the solicitor who handled your purchase. Secondly in most cases the land will be registered at the land registry and you will be able to prove you own the property by your conveyancing solicitors acquiring current official copies of the land registers. Almost all conveyancing in Telford relates to registered property but in the rare situation where your property is unregistered it adds to the complexity but is not insurmountable.
Will my conveyancing lawyers need to check that the building insurance when buying a house in Telford. My lender is Chelsea Building Society
Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 3/8/2025, the requirements read as follows :
I am aiming to move property in September. Should my conveyancing solicitor call the removal company on the completion day. As an aside, can you recommend a removal company in Telford. Conveyancing lawyer was chosen prior to coming across your website.
On the afternoon of completion you will need to pick up the keys from your selling agent however this can only occur when the sellers lawyers inform the agent that they acknowledge receipt of the completion payment and the keys can be released. After that you should tell the removal men that they can start moving you in. As a matter of policy we do not suggest a specific removal company but can help you find a residential property solicitor in Telford or a firm with expertise in conveyancing in Telford.
My conveyancer has informed me that restrictive coveneant insurance is needed on my purchase. What is the level of cover for Telford conveyancing?
The appropriate level of restrictive coveneant indemnity insurance depends on who your lender is. It would differ for example between Barclays and Skipton Building Society. Conveyancing lawyers as opposed to borrowers take out such policies.
My wife and I are spending time looking at flats in Telford and I am about to put in an offer. Is it too early to have a solicitor in place? I intend to finance via a mortgage with HSBC.
It would be advisable to commence your search sooner rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their contact information on to the selling agent. As you are obtaining a mortgage with HSBC, make sure you remember to check that your lawyer is on the HSBC conveyancing panel.
I require fast conveyancing in Telford as I am faced with a deadline to sign on the dotted line within one month. A home loan is not required. Can I decline from having conveyancing searches to save fees and time?
As you are are a mortgage free buyer you are at free not to do searches although no solicitor would recommend that you don't. Drawing on years of experience of conveyancing in Telford the following are instances of what can appear and therefore affect the marketability of the property: Refused Planning Applications, Overdue Fees, Overdue Grants, Railway Schemes,...
In scouring the web for the phrase cheap conveyancing in Telford it brings up many property lawyersin the area. How do I determine which is the suitable conveyancing solicitor for purchase transaction?
The best way of seeking a suitable conveyancer is via personal referral, so seek the counsel of colleagues and family who have bought a property in Telford or a local estate agent or mortgage broker. Costs for conveyancing in Telford differ, so it's sensible to obtain at least three quotes from different property lawyers. Dont forget to clarify that the charges are guaranteed not to increase.