My husband and I are getting closer to an exchange on a house in Earlsfield and my parents have sent the 10% deposit to my . I am now told that as the deposit has been received from someone other than me my needs to disclose this to my mortgage company. I am advised that, in also acting for the lender he must inform them that the balance of the purchase price is not just from me. I advised the mortgage company regarding my parents' contribution when I applied for the mortgage, so is it really appropriate for him to raise this?

Your is legally required to clarify with the bank to make sure that they understand that the balance of the purchase price is not from your own resources. Your solicitor can only report this to your bank if you permit them to, failing which, your lawyer must cease to continue acting.

I need some quick conveyancing in Earlsfield as I am faced with pressure to complete inside one month. A home loan is not required. Is it possible to decline from having conveyancing searches to save money and time?

If.Given you are not getting a mortgage you are at liberty not to do searches although no lawyer would recommend that you don't. Drawing on years of experience of conveyancing in Earlsfield the following are instances of issues that can arise and adversely affect future mortgageability: Enforcement Actions, Outstanding Charges, Outstanding Grants, Road Schemes,...

I own a 4 bedroom Edwardian house in Earlsfield. Conveyancing lawyer represented me and . I happened to do a free search for it on the Land Registry database and there are a couple of entries: one for freehold, the second leasehold under the matching address. I thought I was buying a freehold how can I check?

You should assess the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Earlsfield and other areas of the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with buyers. You can also enquire as to the situation with your conveyancing practitioner who conducted the conveyancing.

I am looking for a leasehold apartment up to £195,000 and identified one near me in Earlsfield I like with amenity areas and station in the vicinity, however it's only got 52 remaining years left on the lease. I can't really find anything else in Earlsfield in this price bracket, so just wondered if I would be making a grave error buying a short lease?

If you need a mortgage the remaining unexpired lease term may be an issue. Discount the offer by the anticipated lease extension will cost if it has not already been discounted. If the current proprietor has owned the property for at least 2 years you can request that they commence the lease extension formalities and then assign it to you. You can add 90 years to the current lease term and have £0 ground rent by law. You should speak to your conveyancing solicitor about this matter.

Some months ago I was advised by my mortgage company that their approved conveyancers work on no completion no fee basis for conveyancing in Earlsfield. My purchase aborted nevertheless the solicitors want search fees! They are stating that the fees are seperate!

Earlsfield conveyancing search costs are disbursements not legal costs as these are due to independent parties.