Hi there,I am no expert,however,it may pay you to seek advice from a solicitor..many do a half hour free session,just to put your mind at rest...you say you have paid 10k in fees already,so I guess you have started the ball rolling so to speak,but in your third question you kind of imply you couldnt/wouldnt be able to get a mortgage,so I am thinking you havent got too far regards getting the finance arranged to buy the property.Take a look in your local yellow pages and seek legal advice.Good luck and Hope things work out for you.
regards
Stu