When reading consumer advice sites for an affordable solicitor in Groby and Ratby, many post that I should instruct a CQS kitemarked lawyer. Can you explain what CQS is?

Groby and Ratby Conveyancing Quality Scheme practices have been granted accreditation by the law Society CQS was created to promote high standards in the home buying process. CQS enables house movers to recognise solicitor firms who provide a quality residential conveyancing. Groby and Ratby is one of locations in England and Wales in which CQS are located. The scheme obliges solicitors to undergo a strict assessment, compulsory training, self-certification, spot checks and yearly assessments in order to maintain CQS status. It is open only to members of the Law Society who meet the demanding standards set by the scheme and has the support of the Building Societies Association.

I have today made my last payment due on my mortgage with Aldermore. I assume I don't need a Groby and Ratby solicitor on the Aldermore panel to remove the mortgage at the Land Registry. Am I right?

If you have finished paying off your Aldermore mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Aldermore mortgage from the register. Aldermore, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:

1. but are not moving to another property
2. where Aldermore has sent the Land Registry the discharge electronically, and
3. Aldermore has instructed the Land Registry to do so

Completion of my purchase has taken place for my property in Groby and Ratby. Conveyancing was satisfactory but I would like to complain about the lender. How does one go about formally complaining?

Almost all lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Team at head office. In most cases complaints to a lender are sorted out effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.

After months of negotiation I have agreed a price on an apartment in Groby and Ratby. My financial adviser recommended their conveyancers. I paid an on account payment of £225. A few days later, the solicitor called me embarrassingly acknowledging that they were not on the Skipton conveyancing panel. Am I right in thinking that I should be due a refund?

You should be able to recover this from the law firm if they were not on the Skipton panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.

What can a local search tell me about the property we're purchasing in Groby and Ratby?

Groby and Ratby conveyancing often starts with the applying for local authority searches directly from your local Authority or through a personal search company for example Searches UK The local search is essential in every Groby and Ratby conveyancing purchase; as long as you wish to avoid any unpleasant surprises after you move into your new home. The search should reveal information on, amongst other things, details on planning applications applicable to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 topic areas.

The estate agent has sent us the confirmation of our purchase of a new build apartment in Groby and Ratby. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.

Here is a sample of a few leasehold new build questions that you should expect your new-build leasehold conveyancing in Groby and Ratby

Please confirm the Lease plans are architect prepared. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore. Please supply a car parking plan. Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company?

My husband and I have AIP from Coventry Building Society who suggested that they will loan up to £117k. When do we need to instruct a practitioner for conveyancing? Groby and Ratby is where we are .

It would be wise to instruct a solicitor now so that the lawyer can open the file so they can conduct the AML checks etc. Once you wish them to start work you will be asked for a payment on account normally approximately £175. That should normally be once you have the mortgage offer and survey results, however should you wish to speed the process you can start the ball rolling quicker even though you may be risking some expense.