My husband and I wish to acquire a 3 bedroom flat in Greater Manchester with a residential mortgage from lend.We have a Greater Manchester conveyancing practitioner but lend advised that his firm is not listed on their "panel". we are left little option but to use a lend panel solicitor or retain our local solicitor and fork out for a lend panel lawyer to act for them.We feel as though this is unjust; is there anything we can do?

No, not really. The mortgage issued to you contains various provisions, one of which will be that solicitors must be on the conveyancing panel.in the past, most mortgage companies had large numbers of solicitors on their panels: a borrower could find one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your lawyer to apply to be on the conveyancing panel for

i am purchasing my first flat in Greater Manchester with a loan from . The builders refused to budge the price so I negotiated five thousand pounds worth of additionals instead. The house builders rep told me not disclose to my lawyer about this deal as it may affect my mortgage with . 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'm remortgaging my existing home to a buy to let loan with and I will use the rest of the raised equity towards another property. The neighborhood we are interested in is Greater Manchester. Will your lawyers be able to act for both sets of banks and link together the two deals?

Do use our comparison tool on this site to ensure that the conveyancers are on the appropriate lender panels. Assuming that they are the solicitor will be able to connect the two deals but you should have a chat with you conveyancer and communicate your expectations and requirements.