My wife and I are nearing an exchange on a flat in Belbroughton and my parents have transferred the ten percent deposit to my conveyancing practitioner. I am now informed that as the deposit has not come from me my solicitor needs to make a notification to my mortgage company. I am advised that, in also acting for the mortgage company he must advise them that the balance of the purchase price is not just from me. I informed the lender regarding my parents' contribution when I applied for the mortgage, so is it really appropriate for this now to hold matters up?

Your conveyancer is duty bound to clarify with the bank to ensure that they know that the balance of the purchase price is not from your own resources. The solicitor can only report this to your lender if you agree, failing which, your lawyer must cease to continue acting.

Me and my partner are buying a house in Belbroughton. I might seem paranoid but how we can trust a lawyer? On completion day we will need to send our life savings into their account. What protection do we have from them run away with our deposit?

Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.

What is the difference between a licensed conveyancer and conveyancing solicitor in Belbroughton

There are many recorded licenced Conveyancers in Belbroughton and Solicitor firms in Belbroughton who provide Conveyancing services We would stress that both are supervised by regulatory bodies with both specialising in the legal work in the home buying process. They may both also handle associated property related work such as remortgage conveyancing, lease extensions and transfer of equity conveyancing.

I am purchasing a property in Belbroughton. An unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Principality be concerned?

As you are obtaining a mortgage with Principality your lawyer must follow the formal requirements contained in Part two of UK Finance Lenders’ Handbook for Principality. The CML Handbook stipulates minimum requirements for solar panel roof-space leases, and conveyancing practitioners are required to report to Principality where a lease does not meet these requirements. The specifications relate to the installation of panels on properties nationwide and is not restricted to Belbroughton.

What will a local search reveal concerning the house I am purchasing in Belbroughton?

Belbroughton conveyancing often starts with the ordering local authority searches directly from your local Authority or through a personal search organisations such as Onsearch The local search plays a central role in most Belbroughton conveyancing purchase; that is if you don’t want any nasty once you have moved into your new home. The search will provide information on, amongst other things, details on planning applications relevant to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen subject areas.

How straightforward is it to use the search tool to find a conveyancing practitioner in Belbroughton on the panel for my lender?

First select a lender such as HSBC Bank, Norwich and Peterborough Building Society or TSB then type in your preferred area such as Belbroughton. Conveyancing firms in Belbroughton and across England and Wales will then be listed.

I've found a house that appears to tick a lot of boxes, at a great figure which is making it more attractive. I have since found out that the title is leasehold as opposed to freehold. I would have thought that there are particular concerns buying a house with a leasehold title in Belbroughton. Conveyancing solicitors have are soon to be appointed. Will they explain the issues?

The majority of houses in Belbroughton are freehold rather than leasehold. This is one of the situations where having a local conveyancer used to dealing with such properties who can assist with the conveyancing process. It is clear that you are buying in Belbroughton so you should seriously consider looking for a Belbroughton conveyancing practitioner and be sure that they have experience in advising on leasehold houses. As a matter of priority you will need to check the number of years remaining. Being a leaseholder you will not be at liberty to do whatever you want with the house. The lease comes with conditions for example obtaining the freeholder’sconsent to conduct changes to the property. You may also be required to pay a service charge towards the upkeep of the communal areas where the property is part of an estate. Your conveyancer will advise you fully on all the issues.