My wife and I are getting closer to an exchange on a flat in Ossett and my parents have transferred the ten percent deposit to my . I am now informed that as the deposit has been received from someone other than me my needs to make a notification 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 disclosed to the mortgage company regarding my parents' contribution when I applied for the home loan, so is it really appropriate for him to raise this?

Your is obliged to check with mortgage company to ensure that they understand that the balance of the purchase price is not from your own funds. Your solicitor can only disclose this to your mortgage company if you agree, failing which, your lawyer must cease to continue acting.

I am the sole recipient of my late grandmother’s estate and I have everything in my name now, including the house in Ossett. The Ossett property was put into my name in . I plan to dispose of the house. I do know about the CML 6 month 'rule', meaning my proprietorship could be regarded the same way as if I'd bought the house in . Will no one buy the property for half a year?

The CML handbook mandates solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you could be caught by that. many mortgage companies would take a pragmatic view as this requirement is primarily there to identify subsales or the wholesaling and assigning of property.

We previously chose conveyancing lawyers locally in Ossett on the solicitor panel. They are now charging me a supplemental fee for dealing with the mortgage. Is this a supplemental conveyancing fee set by ?

Provided it is contained in their Terms of Engagement or Quote then yes your is entitled to levy a fee for this. This fee is not set by but by your Ossett . Numerous firms on the panel will charge ’dealing with mortgage’ fee and others do not.

Can I be sure that the Ossett conveyancing solicitor on the panel is any good?

When it comes to conveyancing in Ossett obtaining recommendations is a sensible start. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always recommend that you speak with the lawyer handling your transaction.

My wife and I own a renovated Georgian property in Ossett. Conveyancing solicitor acted for me and . I did a free Land Registry search last week and there are a couple of entries: one for freehold, another for leasehold under the exact same address. I'd like to know for sure, how can I find out??

You need to assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Ossett and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with purchasers. You can also enquire as to the position with your conveyancing solicitor who conducted the conveyancing.

I'm buying my first flat in Ossett with a loan from . The builders would not reduce the price so I negotiated five thousand pounds worth of additionals instead. The house builders rep told me not to tell my conveyancer about the extras as it may jeopardize my mortgage with . Do I keep my lawyer in the dark?.

All lenders require a Disclosure of Incentives Form from the developer 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.

I was recommended by numerous selling agents in Ossett to find a property lawyer using your seach tool. Is there a financial advantage for Estate Agents to market your site over and above alternative conveyancing organisations?

We don’t make any referral fee for sending work to this site. We thought it would be too underhand to pay a commission as home movers will think, ‘How come the agent getting a kickback? Why am I not receiving any benefit too?’ So we decided to step away from that.