I am purchasing a brand new flat in Winchmore Hill and my conveyancer is informing me that she has to the lender to reveal incentives from the builder. I am on a tight deadline to sign contracts and I don't want to prolong deal. is my lawyer playing by the book?

You should not exchange unless you have been advised to do so by your conveyancer. A precondition to being on a mortgage company panel is to comply with the UK Finance Lenders’ Handbook requirements. The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.

Having invested time researching moneysavingexpert.com for a high-quality solicitor in Winchmore Hill, most post that I should look for a CQS accredited lawyer. Can you explain what CQS is?

The Conveyancing Quality Scheme (CQS) provides a kitemark for residential conveyancing practices issued by the Law Society. Membership achievement establishes a level of credibility for member firms with stakeholders (regulators, lenders, insurers and consumers) based upon: * the integrity of the senior responsible officer and other key conveyancing staff * the firm's adherence to good practice management standards * adherence to prudent and efficient conveyancing processes via the scheme protocol Membership includes many organisations who execute conveyancing in Winchmore Hill.

It has been three months following my purchase conveyancing in Winchmore Hill completed. I have checked the Land Registry website which shows that I paid £200,000 when infact I paid £180,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the property from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

Due to the guidance of my in-laws I had a survey completed on a house in Winchmore Hill prior to instructing lawyers. I have been informed that there is a flying freehold overhang to the property. My surveyor has said that some mortgage companies tend refuse to grant a mortgage on this type of home.

It depends who your proposed lender is. Bank of Scotland has different instructions for example to Nationwide. Should you wish to telephone us we can check with the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Winchmore Hill. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Winchmore Hill to see if the conveyancing will be more expensive.

We are contemplating instructing a web based conveyancing practitioner rather than a Winchmore Hill conveyancing practice. Am I making a mistake?

Advantages do exist in having the opportunity to attend a local Winchmore Hill conveyancing solicitor for example

• signing papers same day
• having one on one explanations of matters you don't understand
• the ability to complain if matters need to addressed

When checking fees, look carefully for hidden extras. Most decent Winchmore Hill high street solicitors give an all-inclusive figure. Many online agents seem to offer discounted fees, but have hidden 'extras' in the in the terms and conditions.