Me and my partner are due to complete on the purchase of a property in Guisborough but as a result of damage from some water damage at the property I have managed to agree compensation from the seller of £2k by way of a reduction in the price. This was going to be dealt with as part of amending the contract yet RBS are not allowing this. Should they have been approached?

Any lawyer being on a RBS approved list is duty bound to inform RBS of any changes to the purchase price. If you were to refuse your property lawyer to notify the price change to RBS then they would have to discontinue acting for you. In addition, RBS and you would have to appoint a new lawyer for your conveyancing in Guisborough.

My uncle passed away six months ago and as sole heir and executor I was left the property in Guisborough. The house had a relatively small loan remaining of approximately £4500. I want to transfer the title deeds into my name whilst I re-mortgage to HSBC, pay off the mortgage. Is this allowed?

Where you plan to re-mortgage then HSBC will require that you use a conveyancer on the HSBC conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your HSBC conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the HSBC mortgage is registered as a charge at the Land Registry.

I am purchasing a new build house in Guisborough with a loan from Aldermore. The developers refused to move on the price so I negotiated 6k of fixtures and fittings instead. The house builders rep suggested that I not disclose to my solicitor about the side-deal as it may affect my mortgage with the bank. Do I keep my lawyer in the dark?.

All lenders require a Disclosure of Incentives Form from the builder 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 decided to have a survey done on a house in Guisborough prior to retaining solicitors. I have been informed that there is a flying freehold overhang to the property. My surveyor has said that some banks may refuse to give a mortgage on this type of premises.

It varies from the lender to lender. Lloyds has different instructions for example to Halifax. Should you wish to telephone us we can look into this further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Guisborough. Conveyancing will be smoother if you use a solicitor in Guisborough especially if they are acquainted with such properties in Guisborough.

I'm converting the mortgage on my existing property to a BTL loan with Yorkshire Building Society and I will use the ballance of the raised equity towards further property. The location we are interested in is Guisborough. Will your lawyers be able to act for the two lenders and tie in the transactions?

Make use of our comparison tool on this page to check that the solicitors are approved by both lenders. Assuming that they are your solicitor should be able to simultaneously deal with the two transactions but you should have a chat with you conveyancer and make apparent your expectations and needs.