My partner and I are only a couple days away from an exchange on a flat in The Meadows and my parents have transferred the ten percent deposit to my . I am now told that as the deposit has not come from me my needs to disclose this to my lender. I am advised that, in also acting for the mortgage company he must inform them that the balance of the purchase price is not just from me. I disclosed to the lender regarding my parents' contribution when I applied for the mortgage, so is it really necessary for this now to hold matters up?

The is obliged 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. Your solicitor can only disclose this to your bank if you permit them to, failing which, your lawyer must cease to continue acting.

Are the BSA planning on creating a online directory to list law firms on the conveyancing panel for instance in The Meadows?

We would not expect to be advised of any plans on the part of the BSA to develop such a tool.

My lawyer has informed me that breach of easement insurance is needed on my purchase. What is the level of cover for The Meadows conveyancing?

The right level of breach of easement indemnity insurance depends on who your lender is. It would differ for example between and . Conveyancing practitioners as opposed to members of the public take out such insurances.

I have a mortgage with for my property in The Meadows. Conveyancing was finalised months ago. In the event that I decide to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform ?

Your original mortgage agreement with will provide that you need their approval before letting out your property as this is likely to be a breach of ’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact directly. It should not be necessary to do this via a conveyancing panel firm.

After weeks of negotiation I have agreed a price on a house in The Meadows. My mortgage broker recommended their conveyancers. I paid an upfront payment of £150. A few days later, the called me sheepishly admitting that they were not on the conveyancing panel. Am I right in thinking that I should be due a refund?

You should be able to recover this from the law firm if they were not on the panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.

Just had an offer accepted on a new build apartment in The Meadows. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.

Set out below is a sample of a few leasehold new build enquiries that you can expect your new-build leasehold conveyancing in The Meadows

The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. Please provide evidence that the form of Lease proposed has been approved by the Land Registry. Please confirm the Lease plans are architect prepared. If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal. The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided.

We're new to the buying process - agreed a price, but the estate agent advised that the vendor will only move forward if we use the agent's chosen conveyancers as they are insisting on a ‘quick sale’. My instinct tells me that we should use a high street solicitor used to conveyancing in The Meadows

It is unlikely the sellers are driving this. Should the seller want ‘a quick sale', taking such a hostile approach to a motivated purchaser is not the way to achieve this. Speak to the vendors direct and make sure they comprehend that (a)you are motivated purchasers (b)you are excited to move forward, with mortgage lined up © you are chain free (d) you wish to move quickly (e)but you are going to appoint your own,trusted The Meadows conveyancing lawyers - not the ones that will earn their negotiator at the agency a kickback or meet his conveyancing thresholds pre-set by senior management.