My husband and I are getting closer to an exchange on a property in Overton and my mum and dad have transferred the ten percent deposit to my lawyer. I am now informed that as the deposit has not come from me my solicitor needs to disclose this to my bank. I am advised that, in also acting for the lender he must advise them that the balance of the purchase price is not just from me. I disclosed to the bank about my parents' contribution when I applied for the mortgage, so is it really appropriate for him to raise this?

Your solicitor is legally required to check with lender to ensure that they are aware that the balance of the purchase price is not from your own resources. Your solicitor can only disclose this to your mortgage company if you agree, failing which, your lawyer must cease to continue acting.

A colleague advised me that in purchasing a property in Overton there may be a number of restrictions prohibiting external alterations to the property. Is this right?

There are anumerous of properties in Overton which have some sort of restriction or requirement of consent to carry out external alterations. Part of the conveyancing in Overton should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.

Is there a list of Bank of Ireland panel conveyancers in Overton on the UK Finance Lenders’ Handbook Website?

No. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. Very few lenders make their panel listings viewable over the internet. Where you are looking for a Overton conveyancing practitioner on the Bank of Ireland please make the most of our tool.

Completion of my remortgage has taken place for my property in Overton. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. How do I make a complaint?

All banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Team at head office. Ordinarily complaints to a lender are sorted out effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.

My wife and I purchased a semi-detached Victorian house in Overton. Conveyancing lawyer acted for me and The Mortgage Works. I did a free Land Registry search last week and I saw a couple of entries: one for freehold, the second leasehold with the matching property. I'd like to know for sure, how can I find out??

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 owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Overton 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 purchasers. You can also question the position with your conveyancing practitioner who completed the work.

Given that I am about to spend over three hundred thousand on 3 bedroom house in Overton I wish to talk to a conveyancer concerning theconveyancing ahead of appointing the firm. Is this something that you can arrange?

We could not agree more - we would be happy to talk to you we do not take any clients on without you liaising with the conveyancer due to be doing your conveyancing in Overton.There is no ‘factory style conveyancing’ - each client is an important individual, not a matter number. The law firms that we put you in touch with believe that the figure you are provided with for your conveyancing in Overton should be the figure that you are charged.

I have recently realised that I have Sixty One years unexpired on my lease in Overton. I need to get lease extension but my landlord is can not be found. What should I do?

On the basis that you qualify, under the Leasehold Reform, Housing and Urban Development Act 1993 you can apply to the County Court for for permission to dispense with the service of the initial notice. This will enable the lease to be granted an extra 90 years by the Court. You will be obliged to demonstrate that you have done all that could be expected to find the landlord. On the whole a specialist would be useful to conduct investigations and to produce an expert document which can be used as proof that the freeholder can not be located. It is advisable to get professional help from a conveyancer in relation to proving the landlord’s disappearance and the vesting order request to the County Court covering Overton.

I purchased a basement flat in Overton, conveyancing was carried out in 2011. Can you let me have an estimate of the premium that my landlord can legally expect in return for granting a renewal of my lease? Comparable properties in Overton with a long lease are worth £176,000. The average or mid-range amount of ground rent is £50 invoiced every year. The lease runs out on 21st October 2106

With just 80 years left to run the likely cost is going to range between £7,600 and £8,800 as well as costs.

The suggested premium range above a general guide to costs for extending a lease, but we are not able to provide a more accurate figure without more detailed investigations. Do not use the figures in a Notice of Claim or as an informal offer. There are no doubt additional concerns that need to be considered and you obviously want to be as accurate as possible in your negotiations. Neither should you move forward placing reliance on this information before seeking the advice of a professional.