I am getting closer to an exchange on a flat in Keston and my mum and dad have sent the exchange deposit to my . I am now advised that as the deposit has not arrived from 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 not just from me. I advised the bank regarding my parents' contribution when I applied for the mortgage, so is it really appropriate for this now to hold matters up?

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

It is 10 years ago since I acquired my property in Keston. Conveyancing solicitors have recently been instructed on the sale but I can't find my deeds. Will this cause complications?

You need not be too concerned. Firstly the deeds may be with the lender or they could stored with the lawyers who acted in your purchase. Secondly the likelihood is that the land will be recorded at the land registry and you will be able to prove you own the property by your conveyancing lawyers acquiring up to date copy of the land registers. Nearly all conveyancing in Keston relates to registered property but in the rare situation where your property is not registered it adds to the complexity but is not insurmountable.

Over the last few months I have been searching for a ground for flat up to £195,000 and found one round the corner in Keston I like with amenity areas and station in the vicinity, the downside is that it's only got 49 years unexpired on the lease. There is not much else in Keston for this price, so just wondered if I would be making a grave error buying a short lease?

Should you require a mortgage that many years may be a potential deal breaker. Reduce the price by the expected lease extension will cost if it has not already been discounted. If the current proprietor has owned the premises for at least 2 years you could request that they commence the lease extension formalities and then assign it to you. An additional ninety years can be extended on to the existing lease and have £0 ground rent by law. You should consult your conveyancing solicitor about this.

I today plan to offer on a house that seems to meet my requirements, at a great figure which is making it all the more appealing. I have just been informed that the title is leasehold as opposed to freehold. I am assuming that there are issues buying a leasehold house in Keston. Conveyancing solicitors have are about to be instructed. Will they explain the issues?

Most houses in Keston are freehold rather than leasehold. In this scenario it’s worth having a local solicitor who is familiar with the area who can help the conveyancing process. It is clear that you are buying in Keston in which case you should be shopping around for a Keston conveyancing solicitor and check that they have experience in transacting on leasehold houses. First you will need to check the number of years remaining. Being a lessee you will not be entirely free to do whatever you want with the house. The lease will likely included provisions such as obtaining the landlord’sconsent to carry out changes to the property. You may also be required to pay a contribution towards the maintenance of the estate where the house is located on an estate. Your conveyancer should advise you fully on all the issues.

Keston Conveyancing for Leasehold Flats - A selection of Queries Prior to Purchasing

How many of the leaseholders are in arrears for their maintenance charge payments? Be sure to find out if there is anything that is prohibited in the lease. By way of example it is very common in Keston leases that pets are not permitted in certain buildings in Keston. If you like the apartmentin Keston however your cat can’t move with you then you have a very hard decision. Best to be warned if window replacement or some other significant cost is coming up to be shared by the leasehold owners and will dramatically increase the the maintenance fees or result in a one off payment.

What are the specific advantages to choosing a high street in Keston

Home movers in Keston select a local so that they can visit if they have problems, and to sign documents rather taking the chance in depending on the post.

There is a marginal edge when selecting a local to the property you are buying, due to the knowledge of the area and potential local issues - nevertheless this is moot. Many conveyancers are now by way of email and could be anywhere in the world.