I note that there are debates on Chancel Insurance on online forums. Am I compelled to have this when purchasing a residence in Thorne? or I am told that there is an ancient law that means some homeowners residing in a parish church boundary will be compelled to pay for maintenance towards the chancel in proximity to the church. Is this suitable for conveyancing in Thorne?

Unless a prior acquisition of the premises took place post 12 October 2013 you can expect conveyancing practitioners carrying out conveyancing in Thorne to continue to advocate a chancel search and or insurance against a claim.

3 months have elapsed following my purchase conveyancing in Thorne took place. I have checked the Land Registry website which shows that I paid £175,000 when infact I paid £180,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the property from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

I am purchasing my first flat in Thorne with a loan from Accord Mortgages Ltd. The sellers refused to move on the amount so I negotiated £7000 of fixtures and fittings instead. The house builders rep advised me not inform my lawyer about the extras as it would jeopardize my loan with the bank. Do I keep my lawyer in the dark?.

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.

I am looking for a flat up to £235,500 and identified one round the corner in Thorne I like with a park and station nearby, however it's only got 61 years on the lease. I can't really find anything else in Thorne for this price, so just wondered if I would be making a grave error purchasing a lease with such few years left?

Should you require a mortgage the remaining unexpired lease term may be a potential deal breaker. Reduce the offer by the amount the lease extension will cost if not already taken into account. If the current owner has owned the premises for at least 2 years you may request that they start the process of the extension and then assign it to you. An additional ninety years can be extended on to the existing lease term with a zero ground rent applied. You should speak to your conveyancing lawyer about this.

I am a fortnight into a freehold purchase having been directed to solicitors by the high street agent to perform conveyancing in Thorne. We are not happy. Could you help me find new conveyancers?

They would have to be very poor in order to consider diss instructing them. Has your mortgage offer been generated? In the event that it has you need to advise them of the replacement lawyer and get the mortgage documents are issued to the new lawyers. The solicitor ideally needs to be on the lenders approved list to avoid supplemental costs and complications. That should be your starting point. The search tool should help you find a bank approved lawyer for your home move in Thorne