My husband and I are only a couple days away from an exchange on a property in Finchampstead 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 lender. I am advised that, in also acting for the mortgage company he must inform them that the balance of the purchase price is coming from anyone other than me. I disclosed to the bank about my parents' contribution when I applied for the home loan, so is it really appropriate for him to raise this?

The is duty bound to check with the bank to ensure that they know 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.

The Finchampstead conveyancing lawyers that I appointed last week on my house acquisition in Finchampstead have suddenly closed. They were on acting for me because I had to have a firm on the conveyancing panel and my family Finchampstead lawyer was not. I paid them 275 plus VAT on account. What should be my next steps?

Assuming that you have an Estate Agent in the equation then inform them immediately so that they advise the vendors that there may be a slight delay due to reasons beyond your control. Hopefully they will be sympathetic and urge their lawyer to send a new set of papers to your new solicitors. You should appoint new lawyers that are on the conveyancing panel and notify the lender. If you have paid over any money, it will hopefully be held by the SRA as money in an intervened firm's bank accounts is transferred to the SRA. Then, the SRA or the intervention agent looks at the intervened firm's accounts to work out who the money belongs to. To claim your money you will need to contact the SRA. If the SRA cannot return money you are owed from the firm's bank accounts, or if they can only return part of the money, you can apply to the Compensation Fund for a grant. Your new solicitors may be able to assist.

I purchased my house on 4 August and the transaction details is not yet on the land registry website. Need I be worried? My conveyancing solicitor in Finchampstead said it would be registered in less than a month. Are properties in Finchampstead particularly slow to register?

As far as conveyancing in Finchampstead is concerned, registration is no quicker or slower than anywhere else in the country. Rather than based on location, timeframes can adjust depending on the party submitting the application, whether there are errors and if the Land registry need to notify any third persons or bodies. Currently in the region of 80% of such applications are completed in less than three weeks but some can be subject to extensive delays. Registration is effected after the new owner is living at the property thus 'speed' is not typically primary concern yet where it is urgent that the the registration takes place urgently then you or your conveyancer could communicate with the Registry to express the reasoning for the application to be prioritised.

I'm purchasing a new build house in Finchampstead with a mortgage from . The developers would not budge the price so I negotiated five thousand pounds worth of fixtures and fittings instead. The sale representative suggested that I not disclose to my lawyer about this deal as it could put at risk my loan with . Do I keep my lawyer in the dark?.

All lenders require a Disclosure of Incentives Form from the builder 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 inherited a basement flat in Finchampstead, conveyancing was carried out in 1995. 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? Similar flats in Finchampstead with a long lease are worth £165,000. The ground rent is £45 yearly. The lease finishes on 21st October 50

With 50 years left to run the likely cost is going to span between £36,100 and £41,800 as well as plus your own and the landlord's "reasonable" professional fees.

The figure that we have given is a general guide to costs for renewing a lease, but we are not able to provide a more accurate figure in the absence of comprehensive due diligence. Do not use this information in a Notice of Claim or as an informal offer. There may be additional issues that need to be taken into account and clearly you should be as accurate as possible in your negotiations. Neither should you take any other action placing reliance on this information without first getting professional advice.