What is the best way to discover of the solicitor conducting my conveyancing in Malton is on the mortgage lender’sapproved panel? I am looking to avoid the situation of having one lawyer for me and one for Virgin Money thus spending £192.00 in supplemental legal bill.

Please do take advantage of the search tool on this site. Please choose the lender and type ‘Malton’ or your location and you will discover a number of lawyer located in Malton or by proximity to you.

Are there restrictive covenants that are commonly identified as part of conveyancing in Malton?

Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the process of conveyancing in Malton. 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 am buying a new build house in Malton with the aid of help to buy. The builders would not budge the amount so I negotiated five thousand pounds worth of additionals instead. The estate agent advised me not disclose to my conveyancer about this side-deal as it would put at risk my mortgage with Bank of Scotland. Should I keep quiet?.

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.

We're first time buyers - had an offer accepted, but the selling agent has warned us that the vendor will only go ahead if we instruct their recommended lawyers as they need a ‘quick sale’. My instinct tells me that we should use a family conveyancer who is familiar with conveyancing in Malton

We suspect that the seller is not behind this request. If they want ‘a quick sale', alienating a genuine purchaser is going to damage their objectives. Avoid the agents and go straight to the sellers and explain that (a)you are genuine purchasers (b)you are excited to move forward, with finances in place © you are chain free (d) you intend to proceed fast (e)however you will continue to appoint your own,trusted Malton conveyancing lawyers - not the ones that will provide their negotiator at the agency a kickback or achieve conveyancing thresholds pre-set by senior management.

My brother mentioned that when selecting a conveyancing solicitors they must be approved by your lender. This is my first home move but I have an offer in principle via HSBC and I already have a local conveyancing lawyer in Malton lined up. Will HSBC need an approved conveyancer to be selected? Does a list of approved conveyancers even exist so I can choose a conveyancing solicitor in Malton?

You need to choose a solicitor that is on the HSBC panel. Just telephone your chosen Malton conveyancing lawyer and ask if they are on the HSBC panel. If they are not approved you have a number of choices open to you here:

• Carry on with your chosen Malton solicitor but HSBC will need to use a lawyer from their conveyancing panel. The net result is additional fees together with probable frustration.
• Get a fresh conveyancer to act in the purchase, not forgetting to check that they are on the HSBC conveyancing panel.
• Convince your lawyer to apply to join the bank panel.