We are expecting a mortgage offer soon. The bank mentioned the home loan came with free conveyancing. Is the implication that I have to use their panel lawyer as I would much rather use a Great Ayton based conveyancing firm?

You should check but the chances are that appoint one of their panel conveyancers where you accept the "fee-free" incentive. Call the mortgage company and explore if they make available a monetary alternative. Some banks have previously offered a £250 cashback as an alternative in which case you could put that amount towards your preferred conveyancing solicitor near Great Ayton.

Are there restrictive covenants that are commonly picked up during conveyancing in Great Ayton?

Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Great Ayton. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’

I'm buying a new build house in Great Ayton with a mortgage from Barclays . The sellers would not budge the price so I negotiated 6k of additionals instead. The sale representative advised me not to tell my conveyancer about this extras as it will jeopardize my loan with the bank. Is this normal?.

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

Due to the advice of my in-laws I had a survey completed on a property in Great Ayton ahead of retaining conveyancers. I have been informed that there is a flying freehold aspect to the house. Our surveyor advised that some banks may refuse to grant a loan on such a premises.

It varies from the lender to lender. Lloyds has different instructions for example to Nationwide. Should you wish to call us we can look into this further via the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Great Ayton. Conveyancing may be slightly more expensive based on your lender's requirements.

My father has suggested that I use his lawyers for conveyancing in Great Ayton. Should I use them?

There are no two ways about it the best way to choose a conveyancing practitioner is to have referrals from friends or relatives who have actually used the solicitor that you are contemplating using.