My mortgage broker has asked me for my Enfield Lock lawyer’ panel member for the Nat West conveyancing panel. What is the best way to obtain this. I have contacted my local Enfield Lock branch but they have not responded to me.

Have you tried calling your Enfield Lock conveyancing practitioner about this?. They should have a central record lender panel numbers.

We are getting closer to an exchange on a flat in Enfield Lock and my mum and dad have transferred the ten percent deposit to my conveyancing practitioner. I am now informed that as the deposit has been sent from someone other than me my conveyancer needs to make a notification to my bank. Apparently, in also acting for the mortgage company he must inform them that the balance of the purchase price is not just from me. I advised the bank regarding my parents' contribution when I applied for the mortgage, so is it really appropriate for this now to delay the deal?

The property lawyer is obliged to check with lender to ensure that they know that the balance of the purchase price is not from your own resources. Your solicitor can only disclose this to your mortgage company if you permit them to, failing which, your lawyer must cease to continue acting.

I purchased a freehold house in Enfield Lock but still pay rent, why is this and what is this?

It’s unusual for properties in Enfield Lock and has limited impact for conveyancing in Enfield Lock but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.

Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges have existed for hundreds of years, but the Rent Charge Act 1977 barred the generation of new rentcharges from 1977 onwards.

Old rentcharges can now be extinguished by making a lump sum payment under the Act. Any rentcharges that are still in existence post 2037 will be extinguished.

In reading mumsnet.com for a cheap solicitor in Enfield Lock, many say that I must look for a CQS accredited solicitor. What is CQS?

Enfield Lock Conveyancing Quality Scheme practices have obtained certification under the Law Society's Scheme (CQS) CQS was established to establish evidence of quality standards in the home buying process. CQS enables buyers and sellers to recognise solicitor firms who provide a quality residential conveyancing. Enfield Lock is one of locations in England and Wales in which accredited firms are located. The scheme requires law firms to undergo a strict assessment, compulsory training, self-reporting, random audits and annual reviews in order to maintain CQS status. It is available to solicitors and not licensed conveyancers and has the support of the Legal Ombudsman.

My colleague recommended that where I am buying in Enfield Lock I should ask my conveyancer to perform a Neighbourhood, Planning and Local Amenity Search. What does it cover?

This is a search is occasionally quoted for as part of the standard Enfield Lock conveyancing searches. It is a large document of about 40 pages, listing and setting out important information about Enfield Lock around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average Property Price, Crime details, Enfield Lock Education with plans and statistics, Local Amenities and other useful information regarding Enfield Lock.