My wife and I are only a couple days away from an exchange on a property in Berrylands and my mum and dad have transferred the exchange deposit to my . I am now told that as the deposit has not arrived from me my needs to disclose this to my mortgage company. Apparently, in also acting for the mortgage company he must advise them that the balance of the purchase price is coming from anyone other than me. I advised the mortgage company about my parents' contribution when I applied for the mortgage, so is it really necessary for him to raise this?

Your is legally required to check with mortgage company to make sure that they are aware that the balance of the purchase price is not from your own funds. The solicitor can only reveal this to your bank if you agree, failing which, your lawyer must cease to continue acting.

We are buying a detached bungalow in Berrylands. Our aim is to an extension at the rear at the property.Will the conveyancing process involve enquiries to determine if these works were previously refused?

Your solicitor will check the registered title as conveyancing in Berrylands will occasionally reveal restrictions in the title documents which restrict certain works or need the permission of a 3rd party. Some additions call for local authority planning consent and approval under the building regulations. Many areas are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. It would be wise to check these issues with a surveyor prior to committing yourself to a purchase.

We had appointed solicitors located in Berrylands on the solicitor approved list. They are now charging me a separate sum for dealing with the mortgage. Is this an additional conveyancing fee specified by ?

As unfair as it may seem, as long as it’s in their Terms of Engagement or estimate then yes your may charge a fee for this. This fee is not dictated by but by your Berrylands . Numerous firms on the panel will charge ’dealing with mortgage’ fee and others do not.

Planning on purchasing a flat in Berrylands. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.

They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Berrylands is on the conveyancing panel.

I require quick conveyancing in Berrylands as I am under a deadline to complete in less than one month. Thankfully I do not need a mortgage. Can I decline from having conveyancing searches to save fees and time?

As you are are a mortgage free purchaser you are at liberty not to have searches conducted although no solicitor would advise that you don't. Drawing on our experience of conveyancing in Berrylands the following are examples of issues that can arise and adversely impact the marketability of the property: Refused Planning Applications, Outstanding Charges, Overdue Grants, Road Schemes,...

I decided to have a survey done on a property in Berrylands in advance of instructing solicitors. I have been told that there is a flying freehold aspect to the house. Our surveyor advised that some banks will refuse to give a mortgage on a flying freehold property.

It depends who your proposed lender is. Lloyds has different instructions for example to Halifax. If you call us we can check with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Berrylands. Conveyancing may be slightly more expensive based on your lender's requirements.

My solicitor in Berrylands is asking me for ID documents saying that this is part of his legal duty as a conveyancer on the mortgage company Conveyancing panel. Am I being spun a yarn?

Anti-terror and anti-money-laundering rules require Berrylands conveyancing solicitors and licensed conveyancers to verify the identity of the person or body they are dealing with before they can accept their conveyancing business. The Terms and Conditions that you need to sign will no doubt confirm this. Your lawyer is right that the mortgage company also require certain documents to be viewed. If a you refuse to provide ID verification documents, your conveyancer would not be able to accept instructions from you. Your lawyer also has obligations to obtain certain documents in accordance with the lender's UK Finance Lenders’ Handbook requirements