My fiance and I changing mortgage lender for our maisonette in Yardley with Nottingham. 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 lives in the flat. Our lawyer has now e-mailed a document for our son to sign, waiving any legal rights in the event that the property is forfeited by the lender. I have two concerns (1) Is this document specific to the Nottingham conveyancing panel as he did not need to sign this form when we remortgaged 4 years ago (2) Does our son by signing this extinguish his rights 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 Nottingham. This is solely used to protect Nottingham 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 Nottingham 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.

Do I have to have a meeting at the offices of the solicitor to execute the legal charge? If so, I will choose one who does conveyancing in Yardley so that I can pop in to their offices when needed.

Whereas this was necessary 12 years ago, almost all mortgage companies no longer require their conveyancing panel lawyer to witness the borrowers signature. You will still be obliged to provide identification documents and there are still distinct advantages to instructing a locally based solicitor, in your situation a conveyancing solicitor in Yardley.

I'm purchasing a new build house in Yardley with the aid of help to buy. The developers refused to move on the amount so I negotiated £7000 of extras instead. The sale representative told me not to tell my lawyer about this extras as it could impact my loan with the lender. Is this normal?.

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

My father has urged me to appoint his lawyers for conveyancing in Yardley. Do I take his recommendation?

There are no two ways about it the best way to find a conveyancing practitioner is to have referrals from friends or relatives who have previously instructed the solicitor you're considering.

I need to consider estimates for conveyancing in Yardley from numerous lawyer and decide on one. Am I right to ask them to sit tight until I a suitable apartment to buy.

You should wait to request your solicitor to open a file and order searches once the offer has been agreed to on the property particularly as Yardley conveyancing searches are costly.