I am approaching an exchange on a house in Warminster and my mum and dad have transferred the exchange deposit to my . I am now told that as the deposit has been received from someone other than me my needs to disclose this to my mortgage company. Apparently, in also acting for the bank he must advise them that the balance of the purchase price is not just from me. I disclosed to the lender regarding my parents' contribution when I applied for the home loan, so is it really necessary for him to raise this?

The is duty bound to clarify with the bank to ensure that they are aware that the balance of the purchase price is not from your own resources. Your solicitor can only disclose this to your mortgage company if you agree, failing which, your lawyer must cease to continue acting.

Various online forums that I have visited warn that are the number one reason for delay in Warminster conveyancing transactions. Is this right?

The Council of Property Search Organisations (CoPSO) published determinations of research by MoveWithUs that conveyancing searches do not feature within the common causes of hindrances in the conveyancing process. Local searches are not likely to feature in any delay in conveyancing in Warminster.

Despite weeks of looking the Title Certificate and documents to our home can not be found. The conveyancers who conducted the conveyancing in Warminster years ago are no longer around. What do I do?

Assuming the title is registered the details of your ownership will be documented by the Land Registry with a Title Number. It is possible to perform a search at the Land Registry, locate your property and get up to date copies of the Registered Entries for less than a fiver. If the property is Leasehold then the Land Registry will in most cases retain a certified copy of the Registered Lease and again, a copy can be ordered for £20 inclusive of VAT.

Due to sign contracts shortly on a ground floor flat in Warminster. Conveyancing lawyers inform me that they report fully within the next couple of days. Are there areas in the report that I should be focusing on?

Your report on title for your leasehold conveyancing in Warminster should include some of the following:

You should be sent a copy of the lease Your conveyancers should enable you to have an understanding of the insurance obligations Does the lease require carpeting throughout thus preventing wood flooring? Additions to the premises The physical ownership of the demise. This could be the apartment itself but may incorporate a loft or storage are if applicable.

Warminster Leasehold Conveyancing - Examples of Questions you should ask Prior to Purchasing

What prohibitions are contained in the Warminster Lease? Is there a share of the freehold? Is anyone aware of any major works in the near future that will likely add a premium to the maintenance costs?

I bought a property in Warminster last and to date it is still not registered with HM Land Registry. It is part of a development site and my told me that it may take over a year to register. I have spoken with HM Land Registry directly and they say that the initial application was cancelled due to questions not being addressed in time. Should I be concerned?

It is your that you must get in touch with in order to satisfy any concerns which have been raised as part of the registration process for your Warminster property. Normal Warminster conveyancing practice includes an undertaking on the part of the seller's that they will assist in resolving any requirements raised by HMLR so it may be a case of taking action to enforce that undertaking in some way.