My wife and I are approaching an exchange on a property in Harborne and my parents have transferred the ten percent deposit to my property lawyer. I am now informed that as the deposit has not come from me my conveyancer needs to make a notification to my bank. Apparently, in also acting for the lender he must inform them that the balance of the purchase price is not just from me. I disclosed to the bank concerning my parents' contribution when I applied for the home loan, so is it really appropriate for this now to hold matters up?

Your solicitor is obliged to clarify with mortgage company to ensure that they understand that the balance of the purchase price is not from your own funds. Your solicitor can only report this to your lender if you agree, failing which, your lawyer must cease to continue acting.

I require fast conveyancing in Harborne as I am under an ultimatum to exchange contracts inside one month. Luckily I do not need a mortgage. Can I escape the need for conveyancing searches to save money and time?

As you are are a cash purchaser you are at free not to have searches conducted although no law firm would suggest that you don't. With plenty of history conveyancing in Harborne the following are examples of issues that can crop up and adversely impact future mortgageability: Refused Planning Applications, Outstanding Fees, Overdue Grants, Unadopted Roads,...

Me and my brother purchased a 4 bedroom Victorian property in Harborne. Conveyancing solicitor acted for me and Accord Mortgages Ltd. I did a free Land Registry search last week and I saw a couple of entries: the first freehold, the second leasehold with the exact same property. I thought I was buying a freehold how can I check?

You should assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Harborne and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also check the situation with the conveyancing lawyer who conducted the purchase.

I am buying my first flat in Harborne with a mortgage from Coventry Building Society. The developers refused to reduce the price so I negotiated five thousand pounds worth of additionals instead. The property agent advised me not to tell my conveyancer about this extras as it may adversely affect my mortgage with Coventry Building Society. Is this normal?.

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 thinking of appointing a conveyancing lawyer in Harborne for my home move. Is there any facility to see a solicitor's record with the profession’s regulator?

You may find documented Solicitor Regulator Association (SRA) determinations arising from inquisitions from 2008 onwards. Visit Check a solicitor's record. For information about the period before 1 January 2008, or to check a firm's history, phone 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. International callers, call +44 (0)121 329 6800. The regulator could recorded telephone calls for training purposes.