@Graham ******
yeah but I would not send 10% to owner , it’s goes to lawyer , funds need to go to your own bank first , it’s the reservation payment just to take the property off the market while they make the due diligence checks , this can be masked as a services payment for the agent who is helping you open the bank account , also when you buy a property all the funds included the 10% should go via your new bank account as you need the FET form from the bank , if you send to lawyer or owner first then you can have a problem