Transfer of equity

Hi there,

I don't know if anyone can advise but I am currently in the process of buying out my ex (I am borrowing money from family) on our leasehold flat as we have been unable to sell. His name will be removed from the mortage and the deeds. I have a consent to lease approval from our current lender and have now rented out the flat to cover the mortgage (fixed rate until sept 2014). I have been advised of the legal costs after my mortgage advisor (from my lender) advised me that I was entitled to free legal plus the cost of transfer of equity and disbursements.

I've been advised by the solicitor (instructed through my lender) of the following and that I am not entitled to free legal:

Transfer of Equity - £265.00 + VAT
Consent to Mortgage - £150.00 + VAT
Disbursements
Land Registry Fees to register the transfer and Deed to vary the terms of the existing mortgage - £60.00
Land Registry Search - £3.00
Bankruptcy Search - £4.00
Official Copy Entries of your title - £6.00
Lenders Insolvency Indemnity Insurance - £111.05
plus Transfer and Charge to your freeholder of about £50-100


I don't understand what consent to mortage is. I will be the sole person on the mortgage and I will have a tenant paying rent and residing in the flat?

Are all of these legal fee and procedures standard with situations such as mine?

Help!