Due to complete my purchase in Thorne next Tuesday. I have now been asked to send a copy of my building insurance schedule by my solicitor as as she informs me that she is duty bound to validate that it is in order for the bank. What risks does the lender expect the insurance to cover?

All property lawyers on acting for lenders would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in a lender’s Part 2 instructions. These obligations are not unique to conveyancing in Thorne.

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

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

I appreciate that there are debates on Chancel Insurance on online forums. Do I need chancel insurance when purchasing a residence in Thorne? or Apparently there is historic law that means some owners of property residing in a parish church boundary may be liable to contribute towards maintenance towards the chancel in proximity to the church. Is this applicable for conveyancing in Thorne?

Unless a prior purchase of the premises took place after 12 October 2013 you may take it that solicitors handling conveyancing in Thorne to continue to advocate a chancel search and or insurance against a claim.

Me and my brother have a semi-detached Victorian house in Thorne. Conveyancing practitioner represented me and Chelsea Building Society. I did a free Land Registry search last week and I saw two entries: the first freehold, another for leasehold under the exact same address. Is it worth asking Chelsea Building Society to clarify?

You should review the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Thorne and other locations in the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with purchasers. You can also question the situation with your conveyancing lawyer who carried out the work.

I'm buying my first flat in Thorne with a loan from Barclays . The builders refused to move on the amount so I negotiated five thousand pounds worth of fixtures and fittings instead. The house builders rep advised me not reveal to my solicitor about the side-deal as it will affect my mortgage 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.