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Conveyancing in Braintree Q & A's

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By

Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 22/04/17

Buying or selling a residential property in Braintree? Relevant local Braintree travel and public service details:

The closest airport to Braintree is Stansted Airport. London Airport is 23 miles, Elmsett Airport is 23 miles and away. Braintree's nearest station is Braintree at 1 mile s.

Q.

Braintree attractions

A.

Bocking Essex Windmill, Great Notley Country Park & Flitch Way Country Park and Cressing Temple Historic Buildingare all around Braintree.

The closest hospital to Braintree is St Michaels Braintree.

Q.

What are the best conveyancing rates for a £728k property?

A.

Several firms offer so-called cheap conveyancing, but extra costs will be included in the solicitor's terms of engagement. Any extra fees listed in terms of engagement should be reasonable and be applicable if your solicitor must complete work beyond standard conveyancing for you, which could not be anticipated at the start of the process.

Q.

Will it be necessary to get a chancel search if I am buying in the parish of Colchester St Botolph?

A.

A conveyancer is likely to recommend a chancel search. Through some church councils have decided to charge chancel repairs on the owners, a solicitor cannot state with certainty that a parish where chancel repair fees have not been paid previously will not continue to be so. It is not safe to rely on the historical behaviour of the parish council alone as a guide.

Q.

Do fixtures and fittings include things like sideboards?

A.

There is not a absolute definition of fixtures and fittings, potentially leading to anger after a sale completes and some items which the buyer assumed would be left behind are taken by the sellers when they move out. For many transactions, this is overlooked, making the approval of the list of fixtures and fittings essential.

Q.

Do you work with mortgage lenders with offices in Braintree?

A.

Of lenders with local branches around Braintree, Homeward Legal alongside most. Lenders and mortgage specialists in Braintree include Kings Financial, 18 New St, Braintree, CM7 1ES, Cavendish Mortgage Consultants, Longleat House/247 London Rd, Black Notley, Braintree, CM77 8QQ, and Key Financial Services, 18-20 Bank St, Braintree, CM7 1UP.

Q.

How do you work out stamp duty?

A.

Stamp Duty will depend on the home's value. It is £38960 on a £974000 property.*

*This information accurate as of December 2012

Q.

What is the council tax on a Thirties mid-terrace Band A house in Braintree?

A.

The relevant band should usually be detailed within the title report, as well as by the local authority.

The latest tax rates for Braintree are detailed online at the Braintree council site. At the time of writing (01 June 2012) the rates are:

  • Band A - £990.00
  • Band B - £1,155.00
  • Band C - £1,320.00
  • Band D - £1,485.00
  • Band E - £1,815.00
  • Band F - £2,145.00
  • Band G - £2,475.00
  • Band H - £2,970.00

Q.

The internet has plenty of resources about how to do DIY conveyancing such as Which? Guide to Doing Your Own Conveyancing by Paul Butt. In which case, do I need to use a property solicitor in Braintree for my move?

A.

On paper there are no arguments why a home mover cant adopt a DIY approach and embark on the legal and technical work without assistance. The truth is however that a property lawyer is familiar with a long list of actions such as drafting contracts or the Land Registry formalities many of which need a qualified solicitor.

Q.

I am going to purchase with Furness Building Society - what will I need to know?

A.

Your mortgage lender will require legal work to be performed on their behalf. Some lenders are now reducing the size of their 'solicitor panel', which may result in increased conveyancing costs for property purchasers. Homeward Legal, however, will act for all large mortgage lenders to keep legal costs to a minimum.

 
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