My partner and I are approaching an exchange on a property in Radyr 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 mortgage company. I am advised that, in also acting for the mortgage company he must advise them that the balance of the purchase price is not just from me. I informed the mortgage company about my parents' contribution when I applied for the mortgage, so is it really necessary for him to raise this?

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

It is 10 years ago since I purchased my home in Radyr. Conveyancing lawyers have now been appointed on the sale but I am unable to locate my deeds. Is this a problem?

You need not be too concerned. First the deeds may be retained by your lender or they may be in the possession of the conveyancers who handled the purchase. Secondly in all probability the title will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing lawyers procuring current official copies of the land registers. Nearly all conveyancing in Radyr relates to registered property but in the rare situation where your property is not registered it adds to the complexity but is not insurmountable.

I'm purchasing my first flat in Radyr with a mortgage from . The builders refused to move on the price so I negotiated five thousand pounds worth of extras instead. The estate agent advised me not inform my lawyer about the side-deal as it may adversely affect my mortgage with . Is this normal?.

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.

Is it simple use the search facility to get a fee calculation from a conveyancing lawyer in Radyr on the panel for my mortgage?

First choose a lender such as , or then type in your preferred area for instance Radyr. Conveyancing practices in Radyr and further afield should be shown.

We're FTB’s - agreed a price, but the property agent has warned us that the owners will only go ahead if we appoint their preferred solicitors as they need an ‘expedited deal’. Our preferred option is to instruct a high street solicitor accustomed to conveyancing in Radyr

We suspect that the seller is not behind this ultimatum. Should the owner want ‘a quick sale', turning down a motivated buyer is not the way to achieve this. Avoid the agents and go straight to the sellers and make sure they understand (a)you are motivated buyers (b)you are ready to progress, with finances in place © you have nothing to sell (d) you intend to proceed fast (e)however you are going to use your preferred Radyr conveyancing lawyers - not the ones that will provide their estate agent a referral fee or hit his conveyancing targets set by HQ.