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Conveyancing in Canterbury Q & A's

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By

Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 15/10/17

Transport and public service information if you’re buying or selling residential property in Canterbury -

By road: Canterbury is served by the A2 and A28. By rail: The nearest train stations are Canterbury East and Canterbury West. By air: The closest airport to Canterbury is Rochester Airport (29 miles).

Hospital: Kent and Canterbury, Ethelbert Road, Canterbury, CT1 3NG. Council: Canterbury City Council (www.canterbury.gov.uk).

Attractions: Canterbury Cathedral, Canterbury Heritage Museum, Howlett’s Wild Animal Park, St. Augustine’s Abbey, Kent Museum of Freemasonry, and The Canterbury Tales.

Q.

Which particular conveyancing searches should a property lawyer order for a Canterbury property?

The normal legal protocol is to order a Local Authority (personal or official) Search, a Drainage and Water Search, an Environmental Search, and, for Kent specifically given its industrial history, a Coal-Mining Search. In addition, and depending on certain criteria, less common searches may be ordered, such as a Land Charges Search (K15). These are disbursements (third party payments) and are passed on to you at cost. Homeward Legal makes the distinction between what constitutes a fee and what comprises disbursements clear so that you can manage your costs, and you’ll know what your final legal bill will be. Try our online quote calculator, or call our experts on 0800 039 6699 for a fixed-fee quote reinforced by our ‘No Move, No Fee’ guarantee.

Q.

Which mortgage lenders in Canterbury do you work with?

Being a large city, Canterbury hosts a number of mortgage lenders and brokers, approved by the Council of Mortgage Lenders, and Homeward Legal has regularly worked with the majority of them. Local mortgage lenders and brokers include:

  • Great Stour Associates, 75 Stour Street, Canterbury, CT1 2NR
  • Nationwide Building Society, 4-5 High Street, Canterbury, CT1 2JH
  • Meridian Mortgages, 76 St. Dunstan’s Street, Canterbury, CT2 8BN
Q.

How long should it take for a solicitor to finish all the conveyancing work for a semi-detached, Victorian home we want to buy in Canterbury?

There are several horror stories depicting how long the conveyancing process can take. Some lawyers can do it in as little as 3 weeks, while other transactions can take up to three months. In large part, this is down to the unwillingness of some of the parties in the chain to speed up the communication. At Homeward Legal, our highly-experienced conveyancers are very proactive with the goal of you moving home as quickly as possible, with a target of six weeks at most. Give us a call on 0800 038 6699 to organize your fixed-fee quote and to discuss your conveyancing needs.

Q.

What will the SDLT be for a £750,000 residence I am purchasing in Canterbury?

The Stamp Duty Land Tax (SDLT) rate depends on a number of factors but principally on the price you bought your property for. If your building was purchased for under £125,000, you will not have to pay any stamp duty. In the example cited, the duty owed would be £27,500 on a property bought for £750,000. Note that the government’s budgeting and housing policies may change the rate or the trigger value. You might wish to use a stamp duty calculator like the one at www.stampdutycalculator.org.uk.

Q.

We want to exchange contracts on the conveyancing for our auctioned, leasehold flat in Canterbury within four weeks, so are you fast conveyancers?

Homeward Legal adopts a very efficient approach to completing the necessary legal work for movers to meet the home-seller’s needs. We always allocate you to carefully-chosen solicitors, who will efficiently communicate through the whole buyer and seller chain. Additionally, Homeward Legal’s conveyancing solicitors are chosen because they always use modern, land-registry-integrated, information technology systems to complete your move without hitch. Give us a call on 0800 038 6699 to find out more and to organise your fixed-fee conveyancing quote.

Q.

Are there any areas of conservation in Canterbury?

If you are buying in Canterbury, you should be aware that there are several local conservation areas. These are regions of the city that have been designated as having architectural or historical interest (for example, the centres of historic towns and cities, like Canterbury, country houses, or 18th- or 19th-century suburbs). You may wish to contact the local council, if you have specific questions, but your conveyancing lawyer will address this during the conveyancing process. This can include an assessment of any unauthorised work carried out on your property.

Q.

As we are buying a house in the Sturry area of Canterbury, is it necessary to get a search for chancel liability?

At the beginning of the millennium, in a landmark case, the Law Lords reaffirmed that 'lay rectors' of homes close to church property must cover the cost of church repairs, if requested by the parochial church council. A chancel search is used to confirm whether such a liability exists. The conveyancing solicitor will be able to advise whether such a search is necessary and, if so, recommend suitable indemnity insurance. Churches in the local area include:

  • Canterbury Cathedral, Cathedral House, 11 The Precincts, Canterbury, CT1 2EH
  • St. Mary Bredin, 59 Nunnery Fields, Old Dover Road, Canterbury, CT1 3JN
  • St. Stephen’s, Hales Drive, Canterbury, CT2 7AB
  • St. Martin and St. Paul’s, Church Street, Canterbury, CT1 1NH
Q.

For a speedy exchange and completion on the purchase of a £445,000 Canterbury property, what should we do to guarantee the acceleration of the transaction?

Key to an increase in the pace of the conveyancing transaction is to instruct a property lawyer as early as possible. When choosing a property lawyer, you should consider these questions:

  • Do they offer 'no move, no fee' protection? This can incentivise a faster transaction.
  • Do they offer 'instant' online quotes?
  • Are phone, fax and email their preferred methods of contact?

Homeward Legal offers this and more. To discuss your needs and to obtain your fixed-fee, ‘No Move, No Fee’-guaranteed quote, contact our team on 0800 038 6699.

Q.

Can you recommend how I bypass paying out for stamp duty to HM Revenue?

A.

Stamp duty is usually payable for property over £125,000. Stamp duty mitigation scheme should be treated with extreme caution in Canterbury. These schemes are costly and unreliable.

Q.

How much is the council tax on a residential semi-detached Band F house in Canterbury?

A.

You should be contain the homes council tax band with the report on title. The correct charges for properties in Canterbury are published online at the Canterbury council site. At the time of writing on 22 August 2012 the rates are:

  • Band A - £963.00
  • Band B - £1,124.00
  • Band C - £1,284.00
  • Band D - £1,445.00
  • Band E - £1,766.00
  • Band F - £2,087.00
  • Band G - £2,408.00
  • Band H - £2,889.00

Q.

Which particular property searches conveyancing searches should a Canterbury property lawyer order for a Canterbury property?

A.

Normal legal protocol is to get Local Authority (personal or official), Drainage and Water Search, Environmental and Coal Mining Search and, depending on certain criteria, less common searches such as Land Charges Search (K15).

Q.

What can a Canterbury conveyancing solicitor do when the property we hope to invest in is in a registered conservation area and has unsuitable dormer windows installed?

A.

The solicitor will make enquiries to determine whether the property is affected by a designated conservation area, and if so, whether any alterations have appropriate permission from the Canterbury authority.

Q.

There is a lot of online help on handling the legal work as a buyer and seller of a flat. Is it foolish to enact the conveyancing myself without help.?

A.

There are no arguments why a seller should not carry out the conveyancing yourself. The truth is however that a conveyancer typically handles a huge array of tasks such as raising additional enquiries and collating and preparing contract and package which require training.

Nonetheless solicitors practices will carry applicable professional indemnity insurance to insulate you in the event of any negligence.

Q.

What average time should it take for the conveyancing solicitor to finish all of the conveyancing work for a semi detached Victorian home we want to buy?

A.

The process can take anywhere between a month and three months depending on a number of issues for example the speed of the seller's conveyancer, or the speed of other lawyers in the chain.

Our highly conveyancers are very proactive with the goal of you moving home as quickly as possible.

Q.

Which local authority is responsible for Canterbury?

A.

Canterbury is located in Canterbury City Council, Military Road, Canterbury, Kent, CT1 1YW, phone: 01227 862 000