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Conveyancing in Cardigan Q & A's

Profile photo of Lorraine Imhoff

By

Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 20/01/18

Relevant local Cardigan travel and public service facts and figures -

Cardigan's closest station is Henllan at 12 miles and the nearest airport to Cardigan is Aberporth, West Wales Airport (5 miles). Haverfordwest Airport Airport is 22 miles and Aberporth Airport is 5 miles away.

Q.

Cardigan area info

A.

Cilgerran Castle National Trust St Dogmaels Abbey Cadw and Cilgerran Castle Cadw are in Cardigan.

The closest hospital is Cardigan & District Memorial.

Q.

How do I get fixed rate conveyancing?

A.

Misleading conveyancing quotes catch out many homeowners, leaving them to pay sometimes £100s more than planned, and many firms advertise so-called cheap conveyancing quotes, but additional charges are often hiding in the solicitor's terms. These terms are often ignored by excited homeowners, eager to get underway. Our quotes offer a clear statement of your solicitors fees for a standard purchase or sale.

Q.

Can you address how we circumvent paying stamp duty?

A.

Stamp duty mitigation scheme must be treated with caution by purchasers in Cardigan, as such schemes are expensive and , if the scheme fails, you may be charged a penalty of up to 100% of the stamp duty amount owed.

Q.

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

A.

When buying with a mortgage, legal work must be undertaken in relation to the mortgage. Buyers should be aware that some lenders are now limiting the firms who can act for them, potentially creating greater conveyancing costs for purchasers. We, fortunately, will act for the vast majority of mortgage lenders so that the buyer will not have to pay legal costs to your lender's solicitor.

Q.

Do you recommend your solicitors to deal with the conveyancing of residential property auction properties in Cardigan?

A.

Yes - We are highly knowledgeable with bidders at auction. Conventionally difficult to value auction lots are bought in auctions which will want extened. We therefore suggest that auction buyers appoint a residential solicitor well in advance of the auction day for a detailed review.

Subsequently, following the auction day arrives your appointed lawyer is wholly prepared for concluding the conveyancing in as short a time frame as conventionally required by the terms of sale.

Q.

We are concerned about council tax amounts on a Sixties detached dwelling in Cardigan, what are they?

A.

Normally a title report should supply the Ceredigion council tax band. Up-to-date charges for homes in Cardigan are set out in detail on the Ceredigion council website. As at (03 June 2012) band rates are:

  • Band A - £779.51
  • Band B - £909.43
  • Band C - £1,039.35
  • Band D - £1,169.27
  • Band E - £1,429.11
  • Band F - £1,688.95
  • Band G - £1,948.78
  • Band H - £2,338.54

Q.

What will the searches cost?

A.

With Homeward Legal, you are required to pay at a maximum £249 for conveyancing searches. Other informative searches include a limestone search.

Q.

Which Cardigan lenders do you work with?

A.

Most lenders in Cardigan are on our Cardigan solicitors' panel. Local mortgage lenders and brokers include Celtic Financial Services Ltd, 16 Gwelfor, Dunvant, Swansea, SA2 7NX, Williams Steve Practice, Axis 7/Axis Court/Mallard Way/Riverside Business Pk, Swansea Vale, Swansea, SA7 0AJ, and Isys Mortgages, First Floor/25 Station Rd, Llanelli, SA15 1AW. The solicitor managing the legal work for your move should be able to state specific lenders' requirements.

Q.

How long does it take my assigned property solicitor to complete the legal process for a maisonette in a building in Cardigan?

A.

Completion can take anywhere from around a month to 12 weeks depending on various things, like the speed of the sellers lawyer, or whether there are any linked sales. Our property solicitors are exceptionally focused on speed and communication you moving home in as short a time as achievable.