My wife and I changing mortgage lender for our flat in Whitstable with . We have a son approaching twenty who lives with us. Our solicitor has asked us to disclose any adults 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 property is forfeited by the lender. I have two concerns (1) Is this document specific to the conveyancing panel as he never had to sign this form when we remortgaged 3 years ago (2) Does our son by signing this extinguish his rights to inherit the property?

First, rest assured that your 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 . This is solely used to protect 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 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 happen to be the single beneficiary of my late mum's will and I have everything in my name now, including the house in Whitstable. Conveyancing formalities meant that the Land Registry date was in . I plan to dispose of the house. I do know about the CML six month 'rule', which means that my proprietorship could be regarded the same way as if I'd bought the property in . Do I have to wait half a year to sell?

The Council of Mortgage Lenders’ handbook mandates solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you could be caught by that. many lenders would take a pragmatic view as this provision primarily exists to identify subsales or the flipping of property.

When it comes to lenders such as , do Whitstable incur a fee to be on the list of approved solicitors?

We are not aware of any bank fees to register on their list of approved firms, although some do charge an administration fee to deal with the processing of the conveyancing panel application.

Two weeks ago we had a mortgage agreed in principle with . Whitstable conveyancing lawyers were selected. What is the average time that one could expect to receive a mortgage offer from ?

There is no definitive answer here. Have conducted the valuation? Have you informed as to your lawyers' details and checked that your lawyers are on the conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.

I'm buying my first flat in Whitstable with a mortgage from . The builders would not reduce the amount so I negotiated five thousand pounds worth of fixtures and fittings instead. The estate agent suggested that I not reveal to my conveyancer about this deal as it could jeopardize my loan with . Do I keep my lawyer in the dark?.

All lenders require a Disclosure of Incentives Form from the builder 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.

What is different about your site and alternative online quote calculators for conveyancing in Whitstable?

At this site receive an accurate quote from a Solicitor or Licensed Conveyancer that has a full understanding of the nuances of your conveyancing in Whitstable. Unlike many estate agents and brokerage sites we do not operate referral arrangements with solicitors. Many agents and online brokers 'recommend' solicitors who pay the highest kickback, rather than the best value conveyancing in Whitstable

Been looking for a for freehold sale conveyancing in Whitstable. I'm selling, uncomplicated no mortgage to redeem, no rush, currently empty. Had a quote from a for £900 plus VAT which is a little high given that its so straightforward. Is it possible to find less expensive fees for conveyancing in Whitstable?

Given that it’s a sale only, £425 + VAT is likely to be about the cheapest for a Whitstable solicitor firm.