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Transfer of Equity in Bacup

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 Bacup

Homeward Legal's panel of solicitors carry out remortgage conveyancing for Bacup 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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The Conveyancing
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Conveyancing in Bacup Q & A's

Profile photo of Lorraine Imhoff

By

Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 12/01/17

Planning to moving to the Bacup area? Practical local transport and public service details:

The closest airport to Bacup is Eccles, Barton Aerodrome Airport. Leeds Bradford Airport is 25 miles, Manchester Terminals 1 & 3 Airport is 24 miles, Manchester Terminal 2 Airport is 24 miles and Eccles Airport is 19 miles away. Bacup's nearest station is Walsden at 4 miles.

Haslingden, Rossendale is the neighbouring hospital.

Q.

I need to find low cost conveyancing in Bacup. How do we get a quote?

A.

Many online and high street firms purport to offer so-called cheap conveyancing, but additional fees may be added into the solicitor's terms. We offer quotes, not estimates, and clearly state all legal fees you pay for a standard conveyancing transaction.

Q.

Harpenden Building Society is going to be our lender, is there anything we need to consider?

A.

Recently, a number of lenders have reduced the number of firms on their approved panel, resulting in greater conveyancing costs for buyers if their preferred solicitor is unable to act both on their behalf, and for their lender. Homeward Legal are able to act for most mortgage lenders, keeping buyers' legal costs to a minimum.

Q.

Will you need a chancel search? I am purchasing in Bacup.

A.

In Bacup, where land was once owned by a lay rectors, new owners of that property may be obliged to fund repairs to older church buildings. Several sources are used to determine liability in Bacup, including the Title Register database. Bacup church lands include Christ Church with St John, St John the Evangelist and St Saviour.

Q.

Is there a risk that our purchase may be gazumped?

A.

Gazumping arises when a property seller agrees to an offer and then dismisses it, opting for a second buyer's offer. The risk of getting gazumped

is present in any transaction. Consider instructing an efficient solicitor as early as possible to reduce the chance of your offer being gazumped.

Q.

Is a survey a good idea when we are buying any property?

A.

The Royal Institution of Chartered Surveyors suggest that home buyers book a RICS survey when you plan to buy in Bacup. Buyers should be aware that there are a range of problems that can affect a property, that will not be addressed during the conveyancing process. These include subsidence and corrosion of pipework.

Q.

Will the Bacup lawyer report back to me about the cost of the council tax on a Band E property before completing on the purchase?

A.

Your conveyancer will speak to the governing Rossendale local council to ascertain the currently applicable council tax band and rates, which will be added to the report on title. Correct rates for homes in Bacup are detailed online at the Rossendale local authority site. As at, 11 July 2012, the rates are:

  • Band A - £1,052.00
  • Band B - £1,227.00
  • Band C - £1,402.00
  • Band D - £1,578.00
  • Band E - £1,928.00
  • Band F - £2,279.00
  • Band G - £2,630.00
  • Band H - £3,156.00

Q.

We are buying a newly-constructed home. Is it that important that searches are ordered?

A.

Conveyancing searches are common bundle of queries ordered on behalf of the purchaser, such as a commons registration search. They are not surveys and do not relate to defects such as wet rot.

Q.

In 2 months we are intending to move out of our terraced property near Bacup into a home in Accrington . When to book a house removal firm?

A.

We usually suggest that buyers wait organising removals until after the contracts have exchanged as a definitive home moving date will not have been agreed. Depending on certain criteria residential removals firms will impose a rearrangement fee

Local removals firms include A.B.B.S, 1/1/Coal Pit Lane, Bacup, OL13 9HA Telephone: 01706 877325 or 1st Call Michael Tighe Removals, 19 Hazel Grove, Bacup, OL13 9XT on 01706 877489.

 
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