I am approaching an exchange on a property in Berrylands and my parents have transferred the exchange deposit to my . I am now advised 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 bank he must inform them that the balance of the purchase price is coming from anyone other than me. I informed the lender regarding my parents' contribution when I applied for the home loan, so is it really necessary for this now to delay the deal?

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

As a FTB what is the most important advice you can impart concerning purchase conveyancing in Berrylands?

You may not hear this from too many lawyers but conveyancing in Berrylands and elsewhere in England and Wales is often a confrontational experience. Put another way, when it comes to conveyancing there exists plenty of room for friction between you and others involved in the ownership transfer. E.g., the seller, property agent and even potentially a mortgage company. Selecting a lawyer for your conveyancing in Berrylands should not be taken lightly as your conveyancer is your adviser, and is the ONLY party in the legal process whose responsibility is to act in your legal interests and to protect you.

On occasion a potential adversary will try and sway you that you should follow their advice. For instance, the estate agent may claim to be assisting by suggesting your solicitor is dragging his heels. Or your financial adviser may advise you to do take action that is contrary to your lawyers guidance. You should always trust your lawyer above all other parties when it comes to the legal transfer of property.

I am purchasing a house and the solicitor has referenced Chancel Repair to which the property could be obligated to pay because it falls into the area of such a church. He has suggested insurance. Is this really necessary for conveyancing in Berrylands

Unless a previous purchase of the premises took place post 12 October 2013 you may assume that lawyers conducting conveyancing in Berrylands to remain encouraging a chancel search and or insurance against a claim.

I got the keys to my home on 13 June and the transaction details is yet to be on the land registry website. Need I be worried? My conveyancing solicitor in Berrylands advises it would be formalised in a couple of weeks. Are titles in Berrylands particularly slow to register?

As far as conveyancing in Berrylands registration is no faster or slower than the rest of England and Wales. Rather than based on location, timeframes can adjust subject to the party submitting the application, whether there are errors and whether the Land registry communicate with any 3rd parties. At present approximately 80% of submission are fully dealt with within two weeks but occasionally there can be extensive hold-ups. Registration takes place after the purchaser has moved in to the property therefore an expedited registration is not always top priority but if it is urgent that the the registration takes place urgently then you or your lawyers could speak with the land registry and explain the circumstances.

I've recently found out that there is a flying freehold issue on a house I have offered on last month in what was supposed to be a quick, no chain conveyancing. Berrylands is where the house is located. Can you shed any light on this issue?

Flying freeholds in Berrylands are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Berrylands you must be sure that your lawyer goes through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Berrylands may determine 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 residence.