I am nearing an exchange on a house in Chislehurst and my mum and dad have transferred the 10% deposit to my . I am now told that as the deposit has been sent from someone other than me my needs to make a notification to my bank. Apparently, in also acting for the lender he must advise them that the balance of the purchase price is not just from me. I disclosed to the mortgage company regarding my parents' contribution when I applied for the mortgage, so is it really necessary for this now to hold matters up?

Your is obliged 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 notify this to your mortgage company if you agree, failing which, your lawyer must cease to continue acting.

My brother-in-law has suggested I instruct a conveyancing solicitor in Chislehurst. I need to find out whether they are on the approved list of lawyers. Can you or the lender confirm if they are on the panel?

The first thing to do is e-mail the solicitor and ask them if they are on the lender panel. Otherwise you should get in touch with who may be able to assist.

Should my solicitor be raising enquiries about flooding during the conveyancing in Chislehurst.

Flooding is a growing risk for conveyancers dealing with homes in Chislehurst. Some people will purchase a property in Chislehurst, fully aware that at some time, it may suffer from flooding. However, leaving to one side the physical destruction, where a house is at risk of flooding, it may be difficult to get a mortgage, satisfactory insurance cover, or dispose of the premises. Steps can be carried out as part of the conveyancing process to forewarn the purchaser.

Conveyancers are not qualified to impart advice on flood risk, but there are a various checks that can be undertaken by the purchaser or by their conveyancers which will figure out the risks in Chislehurst. The conventional set of completed inquiry forms supplied to a purchaser’s conveyancer (where the solicitors are adopting what is known as the Conveyancing Protocol) includes a usual inquiry of the owner to find out whether the property has suffered from flooding. In the event that the residence has been flooded in past and is not disclosed by the seller, then a buyer could issue a compensation claim as a result of such an incorrect response. A buyer’s conveyancers will also commission an environmental report. This should reveal if there is a recorded flood risk. If so, further inquiries will need to be made.

Given that I am about to spend 450k on 3 bedroom house in Chislehurst I would like to have a conversation with the solicitor about myconveyancing before instructing the firm. Is this something that you can arrange?

This is something that we recommend - it is our preference to talk to you we do not take any clients on without you speaking to the solicitor due to be carrying out your property ownership legalities in Chislehurst.There is no ‘factory style conveyancing’ - each client is an important individual, not a matter number. The law firms that we put you in touch with believe that the fees you are provided with for residential conveyancing in Chislehurst should be the figure that you are charged.

Finally our conveyancing in Chislehurst is set to complete on Friday, yet the owners I am buying from wishes to move out the next day at midday. Can I agree to such a plan?

It is not possible to complete on a Saturday due to the bank systems aren't working.