Yes I have exchanged contracts but there is no mortgage on it .
Probably the first option sounds easiest, but how do I get a loan agreement with a legal charge on the flat? Do I ask my family to engage a solicitor or can we draw one up ourselves and if so how is it registered on the deeds?
I will approach my solicitor and if the charge is significantly greater, I will get back to you. Please let me know how I would contact you if I need to ask you to draw up the documents.