My wife and I are approaching an exchange on a property in Ackworth and my parents have transferred the ten percent deposit to my conveyancing practitioner. I am now told that as the deposit has been received from someone other than me my solicitor needs to make a notification to my bank. I am advised that, in also acting for the lender he must advise them that the balance of the purchase price is coming from anyone other than me. I advised the lender concerning my parents' contribution when I applied for the home loan, so is it really necessary for him to raise this?

Your property lawyer is legally required to clarify with mortgage company to make sure that they understand that the balance of the purchase price is not from your own funds. Your solicitor can only notify this to your lender if you agree, failing which, your lawyer must cease to continue acting.

My aunt informed me that in buying a property in Ackworth there may be a number of restrictions prohibiting external alterations to a property. Is this right?

There are a number of properties in Ackworth which have some sort of restriction or requirement of consent to perform external alterations. Part of the conveyancing in Ackworth should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.

We have agreed to purchase a house in Ackworth. One unusual aspect is that the roof has a solar panel. Nottingham have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?

Given that you are obtaining a mortgage with Nottingham your lawyer must check the formal instructions contained in Section 2 of UK Finance Lenders’ Handbook for Nottingham. The CML Handbook stipulates minimum conditions for solar panel roof-space leases, and solicitors are required to report to Nottingham where a lease does not satisfy these specifications. The specifications relate to the installation of panels on properties countrywide and is not limited to Ackworth.

The mortgage over my property is with TSB for my property in Ackworth. Conveyancing has been completed months ago. Should I wish to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform TSB?

Your original mortgage agreement with TSB will provide that you need their approval before renting your property as this is likely to be a breach of TSB’s mortgage conditions. It may be that TSB will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact TSB directly. You need not do this via a TSB conveyancing panel solicitor.

I require quick conveyancing in Ackworth as I am faced with an ultimatum to complete inside 2 weeks. A home loan is not required. Is it possible to avoid the conveyancing searches to save money and time?

As you are not obtaining a home loan you have the choice not to do searches although no law firm would recommend that you don't. With plenty of history conveyancing in Ackworth the following are examples of issues that can appear and adversely impact the marketability of the property: Enforcement Notices, Overdue Charges, Outstanding Grants, Railway Schemes,...

I am purchasing my first flat in Ackworth with the aid of help to buy. The developers refused to reduce the price so I negotiated 6k of additionals instead. The sale representative advised me not reveal to my conveyancer about this deal as it may jeopardize my loan with the lender. 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.

I have been sourcing a conveyancing solicitor in Ackworth for my home move. Is it possible to review a solicitor's complaints history with the profession’s regulator?

Members of the public can find documented Solicitor Regulator Association (SRA) decisions resulting from inquisitions started on or after 1 January 2008. Go to Check a solicitor's record. For information about the period before 1 January 2008, or to check a solicitors history, ring 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For callers outside the UK, call +44 (0)121 329 6800. The regulator sometimes monitor call for training reasons.