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Conveyancing In Borrowash Q & A's

What is the authority that is on charge of for keeping order in the state of repair of the conservation areas in Borrowash?

Conservation areas in Borrowash are set up by the local South Derbyshire planning authority, who administer everything from including things like traffic signs, removal of chimney stacks and street furniture. English Heritage, a government body, have conducted a survey and created records of the condition (poor to good) of conservation areas.

What do I do if new and severe damage is found after moving in?

You should reasonably expect the home into which you’re moving to be cleared, clean and without additional damage. Of course, things can happen as removals can chip plaster, scratch or tear wallpaper, etc., but if there is significant damage that was not present before, it would be advisable to talk to your solicitor to see if there is any recourse for you on your seller.

You may also like to think about writing a clause into the contract that money will only be released after a cursory inspection of the premises to confirm that you are happy. This needs to be agreed with the seller’s solicitor, but the expectation is already raised. Beware that, in the chaos of the moving day, you can’t afford to delay things too much, so it’s a fine balance.

What is the council tax on a residential semi-detached Band C property in Borrowash?

The pertinent band will usually be reported within the conveyancing report on title, and by the local authority. Up-to-date charges for Borrowash are tabled on the South Derbyshire local authority site. At the time of writing on 02 October 2012 the rates are:

  • Band A - £984.00
  • Band B - £1,148.00
  • Band C - £1,312.00
  • Band D - £1,476.00
  • Band E - £1,804.00
  • Band F - £2,132.00
  • Band G - £2,460.00
  • Band H - £2,952.00

As a result of the widespread flooding in Sept 2012 in the East Midlands, we are concerned that conveyancing and environmental searches aren't exacting enough?

A competent Borrowash conveyancer will also get in depth property conveyancing searches (Landmark search) if the standard conveyancing searches flag up a Borrowash flood risk area

You could also try to speak to a next door neighbour to gain further insight.

How much is stamp duty and land transaction tax?

The Stamp Duty Land Tax (SDLT) is based on a trigger threshold of £125,000, followed by a calculation of increasing percentages against the price bands, which are then added together:

  • Less than £125,000 = 0%
  • £125,000-£250,000 = 2%
  • £250,000-£925,000 = 5%
  • £925,000-£1,500,000 = 10%
  • More than £1,500,000 = 12%

For example, a house bought for £450,000 will trigger SDLT at £12,500 (£0 for the first £125,000, £2,500 for the next £125,000, and £10,000 for the next £150,000 as the price falls in the first three bands).

What’s the difference between exchange of contracts and completion?

When you exchange contracts, this means that you are agreeing to all the terms drawn up within the contract made between you on one side of the transaction, and the opposite party on the other side. It is from this point that you are legally obliged to go through with the transaction (unless you want to be subject to financial and/or legal penalties).

The completion of contracts is the point where you officially take over ownership of the property, receive the keys and can move in. All monies are transferred between the various parties and the conveyancing solicitor contacts the Land Registry to register the change of ownership to you.

Confused by the jargon in conveyancing? Let Homeward Legal's straightforward and clear service help guide you to as early a completion as possible. Try our online quote generator or call us on 0800 038 6699.

Is it necessary that we get a chancel search if we are buying in Borrowash?

In Borrowash, where land was once owned by a lay rectors, new owners of that property may be obliged to contribute towards upkeep of local churches. Parochial Church Councils in Borrowash must register their interest over property by October 2013, simplifying the chancel search process. Your solicitor can provide more details. Borrowash church properties where a chancel search may be necessary include St Stephen's.