I am looking to buy a property and need a conveyancing solicitor in Thorne who is on the HSBC Bank solicitor. Could you point me in the right direction as regards a firm?

Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for HSBC Bank in certain locations such as Thorne. We dont recommend any particular firm.

When it comes to lenders such as HSBC, do Thorne lawyers face a yearly amount to be on the conveyancing panel?

We are unaware of any lender fees to be on their panel, although some do charge an administration fee to deal with the processing of the conveyancing panel submission.

is it true that all Thorne solicitor practices on the Aldermore conveyancing panel are overseen by the Solicitors Regulatory Authority?

As solicitors, in order to be on the Aldermore approved list of solicitors they would need to be overseen by the Solicitors Regulatory Authority. Some lenders do permit licenced conveyancers on their panel and in such a situation the firms would be overseen by the CLC.

I have decided to exercise my right to buy my property in Thorne off the council. I have a mortgage agreed with TSB. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?

It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with TSB, you will need to appoint a solicitor on the TSB conveyancing panel.

I have been told that property searches are a common reason for stalling in Thorne house deals. Is this right?

The Council of Property Search Organisations (CoPSO) released conclusions of research by MoveWithUs that conveyancing searches do not figure within the common causes of delays in the conveyancing process. Searches are unlikely to be the root cause of delay in conveyancing in Thorne.

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

Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Thorne. 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 my first flat in Thorne benefiting from help to buy. The developers refused to move on the amount so I negotiated five thousand pounds worth of additionals instead. The property agent suggested that I not disclose to my lawyer about the deal as it will put at risk my loan with the bank. Is this normal?.

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.