We are only a couple days away from an exchange on a flat in Folkestone and my parents have transferred the exchange deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to make a notification to my mortgage company. 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 advised the lender concerning my parents' contribution when I applied for the mortgage, so is it really appropriate for him to raise this?

Your solicitor is obliged to check with lender to make sure that they are aware that the balance of the purchase price is not from your own funds. The solicitor can only report this to your mortgage company if you permit them to, failing which, your lawyer must cease to continue acting.

Are the BSA intent on creating a searchable register to to identify solicitors on the Darlington Building Society conveyancing panel for instance in Folkestone?

Lexsure has not been advised of any plans on the part of the BSA to promote such a register.

I have recentlybecome aware that Action Conveyancing have closed. They carried out my conveyancing in Folkestone for a purchase of a leasehold apartment 10 months ago. How can I check that my home is in my name in the name of the former proprietor?

The quickest way to see if the property is in your name, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Folkestone conveyancing specialists.

About to purchase a new build flat in Folkestone. Conveyancing is daunting 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 conveyancing.

Here is a sample of a selection of leasehold new build enquiries that you may expect your new-build leasehold conveyancing in Folkestone

The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified. Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. Please confirm the Lease plans are surveyor prepared.

I have finally had an offer on an apartment in Folkestone accepted, but there is a chain. The sellers have submitted an offer on on an apartment, however it’s not yet tied up, and are looking at other flats in the pipeline. I have instructed a local conveyancing lawyer in Folkestone. What do I do now? At what stage do I apply for the mortgage with Lloyds?

It is standard to have anxieties where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is in the region of £1k, then survey, Folkestone conveyancing search charges, etc). First, you must ensure that your property lawyer is on the Lloyds approved list. Concerning the subsequent stages this very much dictated by the circumstances of your transaction, desire for the property and on the state of the market. In a hot market many home buyers would apply for a home loan with Lloyds and arrange for the valuation and only if it comes back ok would they pay their conveyancing practitioner to press on with the conveyancing in Folkestone.