We are getting closer to an exchange on a property in Brixham and my parents have sent the 10% deposit to my . I am now told that as the deposit has not arrived from me my needs to disclose this to my bank. Apparently, 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 mortgage company about my parents' contribution when I applied for the home loan, so is it really appropriate for him to raise this?

The is legally required to check with the bank to make sure that they know 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.

A friend advised me that in purchasing a property in Brixham there may be various restrictions prohibiting external changes to the property. Is this right?

We are aware of anumerous of properties in Brixham which have some sort of restriction or requirement of consent to external variations. Part of the conveyancing in Brixham should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.

Can you point me to a directory of panel conveyancers in Brixham on the Building Society Association’s Website?

Unfortunately not yet. There is no such directory service on the CML or Building Society Association sites. A small selection of mortgage companies make their panel listings visible online. Where you are seeking to appoint a Brixham on the please use our tool.

Is it the case that all Brixham solicitors on the conveyancing panel are regulated by the SRA?

As solicitors, in order to be on the conveyancing panel they would need to be regulated by the Solicitors Regulatory Authority. Some mortgage companies do list licenced conveyancers on their panel in which case such firms would be overseen by the CLC.

I used Stirling Law several years past for my conveyancing in Brixham. Now, I need the documents however the law firm has closed. What do I do?

You should call the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Brixham of the conveyancing firm of solicitors you previously hired, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.

I'm buying a new build house in Brixham benefiting from help to buy. The builders refused to reduce the price so I negotiated 6k of fixtures and fittings instead. The house builders rep told me not disclose to my conveyancer about the extras as it may jeopardize my mortgage with the bank. Should I keep quiet?.

All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.

Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.

Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.

I am looking for a flat up to £195,000 and identified one round the corner in Brixham I like with open areas and station nearby, the downside is that it's only got 49 remaining years left on the lease. There is not much else in Brixham in this price bracket, so just wondered if I would be making a mistake acquiring a short lease?

If you require a home loan the remaining unexpired lease term may be a potential deal breaker. Reduce the offer by the amount the 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 may request that they start the process of the extension and pass it to you. An additional ninety years can be extended on to the existing lease term and have £0 ground rent by law. You should speak to your conveyancing lawyer about this.