My husband and I intend to remortgage our maisonette in Thorne with Lloyds. We have a son 18 who lives at home. Our solicitor requested us to identify any adults other than ourselves who lives in the flat. Our lawyer has now e-mailed a document for our son to sign, waiving any legal rights in the event that the flat is repossessed. I have a couple of questions (1) Is this form unique to the Lloyds conveyancing panel as he did not need to sign this form when we bought 4 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?
On the face of it your lawyer has done nothing wrong as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Lloyds. This is solely used to protect Lloyds if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave. It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Lloyds had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.
I am told that my conveyancing solicitors will need to check that the building insurance for my purchase of a house in Thorne. My lender is Tesco Bank
Tesco Bank have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 5/6/2025, the requirements read as follows :
There is lots of here about conveyancing in Thorne but what is your top tip for choosing the right conveyancer in Thorne
We would encourage you not to go for the cheapest Thorne conveyancing fees. You really do get what you pay for when it comes to property lawyers. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you go into the conveyancing with your eyes wide open.
Is there a list of Principality panel solicitors in Thorne on the Building Society Association’s Website?
No. There is no such directory service on the CML or Building Society Association websites. A small selection of lending institutions make their panel listings open the public online. Where you are in need of a Thorne lawyer on the Principality please use our facility.
Having digested plenty of house buying guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Thorne solicitor - who is on the Nationwide conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Nationwide will need an independent valuation of the property. Your lawyer will not arrange this. Usually Nationwide will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Thorne surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
My colleague suggested that where I am buying in Thorne I should ask my conveyancer to execute a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is occasionally quoted for as part of the standard Thorne conveyancing searches. It is a large report of more than thirty pages, listing and setting out important information about Thorne around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime details, Thorne Education with maps and statistics, Local Amenities and other useful information about Thorne.
I need to find a conveyancing solicitor for some conveyancing in Thorne. I happened to stumble upon a site which appears to be the ideal solution If it is possible to get all the legals done via web that would be preferable. Do I need to be concerned? What should out be looking out for?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?
I've found a house that appears to meet my requirements, at a reasonable price which is making it all the more appealing. I have subsequently found out that the title is leasehold as opposed to freehold. I would have thought that there are particular concerns buying a house with a leasehold title in Thorne. Conveyancing solicitors have not yet been instructed. Will they explain the issues?
The majority of houses in Thorne are freehold and not leasehold. In this scenario it’s worth having a local conveyancer who is familiar with the area who can help the conveyancing process. It is clear that you are purchasing in Thorne in which case you should be shopping around for a Thorne conveyancing practitioner and check that they have experience in transacting on leasehold houses. As a matter of priority you will need to check the unexpired lease term. Being a tenant you will not be entirely free to do whatever you want with the house. The lease will likely included provisions such as obtaining the freeholder’sconsent to conduct changes to the property. You may also be required to pay a contribution towards the maintenance of the estate where the house is part of an estate. Your solicitor will advise you fully on all the issues.
Thorne Leasehold Conveyancing - Sample of Questions you should ask before buying
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In the main the cost for major works are not built into the service charges, although some managing agents in Thorne ask leasehold owners to pay into a sinking fund and this is used to offset against major works. It would be prudent to find out as much as possible concerning the managing agents as they will affect your use and enjoyment of the property. As the owner of a leasehold property you are frequently at the mercy of the managing agents both financially and when it comes to day to day issues such as the tidiness of the common parts. Don't be shy to ask other tenants if they are happy with them. Finally, find out the dates that you are obliged pay the maintenance charge to the managing agents and specifically how they are spending that money. It is important to be aware if a new roof is being installed or some other significant cost is due shortly that will be shared between the tenants and will dramatically impact the level of the maintenance costs or require a one off payment.