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Transfer of Equity in Aberdovey

A transfer of equity occurs when a property owner wishes to change the legal ownership of the property. Reasons include marriage, divorce and tax planning.

Homeward Legal's solicitors offer expert legal assistance with your transfer of equity.

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Remortgage Solicitors Aberdovey

Homeward Legal's panel of solicitors carry out remortgage conveyancing for Aberdovey clients every week.

We strive to complete your remortgage legal work quickly, so that you benefit from your new mortgage deal as soon as possible.

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Conveyancing in Aberdovey Q & A's

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By

Ask Clarisa a question hl@syntarsus.co.uk

Updated: 04/12/16

Planning to relocate to the area? Relevant local Aberdovey transport and public service information -

Aberdovey train station is approximately a mile from Aberdovey. Aberporth, West Wales Airport is 37 miles from Aberdovey.

Tywyn Memorial is the nearest hospital for Aberdovey.

Q.

How do we get the cheapest Aberdovey conveyancing quote?

A.

Many law firms purport to offer so-called cheap conveyancing, however extra costs are often hiding in the solicitor's terms. Any extra costs found in your solicitor's terms needs to be clearly defined. Third party costs, termed disbursements, to be paid ought to be listed on your quote

Q.

We are buying in Aberdovey on a recently-developed ex-industrial use land. Could the top-soil be contaminated by industrial waste like mercury?

A.

Legislation exists to control pollution, waste, water and chemical contamination. Also considering issues such as water contaminants such as organic compounds and fertilisers, contaminants affecting Aberdovey property will be factored into an environmental search.

Q.

Our mortgage lender is Yorkshire Bank - is there anything we need to be aware of?

A.

In some cases, lenders have reduced their 'solicitor panel', resulting in increased conveyancing costs for house purchasers if a second chosen solicitor is required by their lender. Homeward Legal are able to act for the vast majority of mortgage lenders.

Q.

Our estate agent in Goodmayes has put forward a property lawyer who they generally use. Will it be cheaper to instruct this solicitor?

A.

Estate agent recommendations are a common path whereby buyers get a solicitor. Such referrals need to be weighed up against alternatives, as some agents choose the firm which pays to the largest referral fee, not the most appropriate choice.

Q.

Should we get a local property surveyor to view the property purchase?

A.

We recommend that purchasers book a surveyor to perform a survey. There are a wide range of problems which will impact a property, which a conveyancing solicitor will not report on, including subsidence.

Q.

Will you need a chancel search? We are buying a property in Aberdovey.

A.

The result of a court case between a parish council and owners of neighbouring farmland liable for church repairs confirmed that chancel repair liability could be enforced. A chancel search confirms that such a liability exists. Liability is more common in some parts of the country. Your solicitor will suggest an appropriate indemnity policy to address chancel liability.

Q.

Do you advise making the effort to hold off paying out for stamp duty?

A.

Stamp Duty Land Tax is payable on property purchases over 125,000 pounds. Stamp duty reduction should be treated with extreme caution in Aberdovey, as such schemes are often uneconomical and HMRC may challenge a scheme up to six years later.

Q.

In respect to the extensive river flooding in Wales, we are asking if conveyancing and environmental searches may not be thorough enough?

A.

Your Aberdovey property solicitor will consider get conveyancing searches (Landmark database search) if the environmental searches establishes a significant risk of flooding in Aberdovey

Perhaps you could also contact a next door neighbour to gain further insight.

 
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