We are getting closer to an exchange on a house in Sychdyn and my mum and dad have transferred the exchange deposit to my . I am now advised that as the deposit has not arrived from me my needs to make a notification to my lender. I am advised that, in also acting for the lender he must advise them that the balance of the purchase price is coming from anyone other than me. I disclosed to the lender regarding my parents' contribution when I applied for the home loan, so is it really appropriate for him to raise this?

Your is duty bound to clarify with mortgage company to make sure that they know that the balance of the purchase price is not from your own resources. The solicitor can only reveal this to your mortgage company if you permit them to, failing which, your lawyer must cease to continue acting.

I'm buying a new build house in Sychdyn with a loan from . The sellers would not move on the price so I negotiated £7000 of fixtures and fittings instead. The house builders rep told me not reveal to my conveyancer about the extras as it will jeopardize my loan with the lender. 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.

Yesterday I discovered that there is a flying freehold element on a property I put an offer in last month in what was supposed to be a straight forward, no chain conveyancing. Sychdyn is the location of the property. Can you shed any light on this issue?

Flying freeholds in Sychdyn are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Sychdyn you must be sure that your lawyer goes through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Sychdyn may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.

Sychdyn Leasehold Conveyancing - Sample of Queries before Purchasing

How many of the leaseholders are in arrears for their maintenance charge payments? Who are the managing agents?

My in 2007. He has since got wed, divorced and has recently remarried. He will be marketing the apartment this June. I believe he will simply be asked to provide a copy of his marriage certificates to the however he is worried it could delay the sale of the apartment. Is it worth updating the Land Registry details for the property?

The is no need to bring up to date the register providing you have the proof required to show how the change of name resulted.

The buyer’s will examine the land registry details and require evidence to prove the change of name for instance marriage documentation.