My partner and I are getting closer to an exchange on a property in Huddersfield and my parents have transferred the 10% deposit to my . I am now informed that as the deposit has been received from someone other than me my needs to disclose this to my lender. Apparently, in also acting for the mortgage company he must advise them that the balance of the purchase price is not just from me. I advised the mortgage company regarding my parents' contribution when I applied for the mortgage, so is it really necessary for him to raise this?

Your is legally required to clarify with lender to ensure 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 lender if you permit them to, failing which, your lawyer must cease to continue acting.

Please help - my lawyer says that lack of planning permission insurance is needed on my purchase. What is the typical level of cover needed for conveyancing in Huddersfield?

The appropriate level of lack of planning permission indemnity insurance depends on who your lender is. It would differ for example between and . Conveyancing solicitors as opposed to borrowers take out such policies.

My partner and I have arranged the release of further funds on our mortgage from as we wish to conduct a loft conversion to our house in Huddersfield. Are we obliged to select a nearby Huddersfield solicitor on the conveyancing panel to deal with the legals?

don't usually require firms on their conveyancing panel to deal with the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the conveyancing panel.

Completion of my remortgage has taken place for my property in Huddersfield. Conveyancing was of an acceptable standard but I would like to complain about the lender. How does one go about formally complaining?

Almost all lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Team at head office. In most cases complaints to a lender are sorted out very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.

It has been 2 months since my purchase conveyancing in Huddersfield concluded. I have checked the Land Registry site which shows that I paid £175,000 when infact I paid £215,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the premises from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

I acquired a split level flat in Huddersfield, conveyancing having been completed 3 years ago. Can you give me give me an indication of the likely cost of a lease extension? Equivalent properties in Huddersfield with a long lease are worth £165,000. The ground rent is £45 per annum. The lease runs out on 21st October 50

With just 50 years remaining on your lease we estimate the price of your lease extension to span between £36,100 and £41,800 as well as plus your own and the landlord's "reasonable" professional fees.

The suggested premium range that we have given is a general guide to costs for renewing a lease, but we cannot give you the actual costs without more comprehensive due diligence. You should not use this information in a Notice of Claim or as an informal offer. There are no doubt additional issues that need to be considered and you obviously want to be as accurate as possible in your negotiations. Neither should you take any other action based on this information before seeking the advice of a professional.

I have recently had an offer accepted on a leasehold flat in Huddersfield and the estate agent that we are dealing with suggested his . She quoted nine hundred pounds excluding VAT and 3rd party costs. Does this sound steep?

Don't just go on a single estimate. You should seek like-for-like quotes for your conveyancing in Huddersfield. Then pick one that you trust and just as important, is on the approved list of the mortgage company that you have applied for a mortgage from.