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Conveyancing in Chatham Q & A's

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Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 16/10/17

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

By road: Chatham is served by the M2, A2 and A229. By rail: The nearest train station is Chatham. By air: Rochester Airport is 4 miles from Chatham, while London Biggin Hill Airport is 28 miles, and London City Airport is 32 miles.

Hospital: St. Bartholomew’s, New Road, Rochester-upon-Medway, ME1 1DS. Council: Medway Council (www.medway.gov.uk).

Attractions: Chatham Historic Dockyard, Buckmore Park, Darland Banks, Fort Amherst, Kent Life, and HMS Cavalier.

Q.

What will the overall charge for the legal aspects on the sale of a £639,000 Chatham property? We are trying to find low-cost conveyancing for our limited budget.

If an offer sounds too good, it probably is if the details are not transparent and fair. Unfortunately, there are many firms suggesting that what they offer is 'the cheapest conveyancing quotes', while additional costs are often hiding in small print. These extra costs are frequently not read by harried sellers and buyers. At Homeward Legal, we are different: We never hide any costs, and our quotes present a completely clear statement of your legal fees for a standard conveyancing transaction. Try our quote calculator, or call our team of conveyancing experts on 0800 038 6699 to discuss your needs.

Q.

How can we protect ourselves from getting gazumped when trying to purchase a semi-detached house in Chatham?

Gazumping is a term used to describe when an owner accepts a low offer, then reneges on it, choosing a better offer instead from another interested buyer. There is a real risk of this occurring even months into a sale, because offers are not binding until the exchange of contracts. To reduce the likelihood of being gazumped, you might want to consider instructing your solicitor early.

Talk to our team of conveyancing experts on 0800 038 6699 to obtain a fixed-fee quote, backed with our cast-iron ‘No Sale, No Fee’ guarantee.

Q.

We want to exchange contracts on the legal process for our Chatham maisonette rapidly. Are Homeward Legal fast conveyancers?

Homeward Legal has an extremely speed-focused approach to fulfilling the necessary legal work as fast as possible, assisted by the latest applications and systems which are fully integrated with other bodies such as HMRC and The Land Registry, guaranteeing swift conclusion of those elements of your move. With Homeward Legal, our lawyers endeavour to communicate as efficiently as possible from the beginning to the end of the property chain, using effective online and telephone methods to complete on the property sale fast.

Q.

How do we calculate the stamp duty, and how much we should pay on a £989,000 semi-detached house in Chatham?

The Stamp Duty Land Tax (SDLT) rate that will be due will depend on the property's value (i.e. the price it was bought for). SDLT is currently triggered once the purchase price goes over £125,000. In the cited example, the duty owed would be a charge of £42,650 on the property bought for £989,950 (information retrieved on 15 February 2017). 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.

Are pre-completion searches disbursements or fees?

For some legal firms, it may not be clear in their proffered quotes whether an itemised charge is a fee or a disbursement. The costs for searches are disbursements and not fees, and this expense is passed on to the buyer at cost. At Homeward Legal, our straightforward approach to detailing the conveyancing quote makes the distinction completely clear. Call our skilled conveyancing team on 0800 038 6699 to arrange a fixed-fee quote, backed up by our ‘No Move, No Fee’ guarantee.

Q.

Apparently, lithium soil contamination may be an issue in Chatham. Please can you advise?

Chatham industrial or agricultural activity can likely cause soil contamination, in addition to any historical impact in the area. Metal contamination of soil in Chatham, such as

you suggest, is more likely to occur near waste-treatment sites. All issues of this nature will be highlighted in the report of title following the standard environmental searches in connection with the purchase of your Chatham house. Data on other contaminants, like groundwater contamination and disinfection by-products, will also be included in the search.

Q.

Which of the Chatham mortgage lender panels are you on?

Homeward Legal works alongside most of the lenders and mortgage brokers in the Chatham area. Lenders and mortgage specialists in Chatham include:

  • Yorkshire Building Society, Pentagon Shopping Centre, 130-132 High Street, Chatham, ME4 4BY
  • Kent Reliance Banking Services, 250 High Street, Chatham, ME4 4ET
Q.

Conveyancing searches are fine as far as they go, but when one considers climate change (e.g. the fact that last year was the second wettest year since records began), are they thorough enough to establish the evolving risk of flooding in Chatham?

When you instruct your conveyancing solicitor, they will initiate a set of standard searches. The environmental search includes the assessment of the risk of flooding in the location of your Chatham house. If the flood risk is deemed significant enough, a more in-depth search will be requested for an inexpensive cost (around £20). Property purchasers sometimes speak to a future neighbour for added assurance if they are still concerned about the level of risk.

Q.

What average time does it take for my designated conveyancing solicitor to get through all of the legal process for a detached property we want to buy?

A.

The conveyancing process can take anywhere from around a month and 3 months, which can depend on various issues such as the speed of the seller's property solicitor, or the communication, with managing agents. Homeward Legal's property solicitors are highly focused on speed and communication, with a view to you moving home as quickly we can.

Q.

We want to exchange contracts on the legal process our maisonette rapidly, are you fast Chatham conveyancers ?

A.

Homeward Legal has an extremely speed focused approach to fulfilling necessary legal work as fast as possible.

With Homeward Legal, home moving lawyers endeavour to communicate as efficiently as possible from the beginning to the end of the property chain (sequence of buyers and sellers) and employ advanced software and information technology systems to complete on the property sale fast.

Q.

Which local authority is responsible for Chatham?

A.

Chatham is located in Medway Council, Gun Wharf, Dock Road, Chatham, Kent, ME4 4TR, contact: 01634 333 333

Q.

Does Chatham include any conservation areas?

A.

The streets and neighbourhoods in or near Chatham will include a number of conservation areas. Your property solicitor will be able to provide more details, in regard to relevant conservation area restrictions in Chatham.

Q.

For fast conveyancing to buy a £879,000 house, what can we do to accelerate our move?

A.

Key to a fast conveyancing transaction is to instruct a proactive property lawyer. There are numerous tasks you, as the purchaser, can also do, including, calling or emailing your property lawyer, and chase them if you suspect any delays, promptly answering your property lawyer's questions (by email if possible) and arranging any finances require to complete the purchase.

Q.

How is Chatham contaminated land investigated when purchasing?

A.

Property can be contaminated by a range of human activities, and an environmental search will confirm that a property is impacted by contaminants in the area like other sources of contaminated land.

Q.

How can we protect ourselves from getting gazumped?

A.

Gazumping arises when a owner accepts a low offer, then refuses it, choosing instead a better offer. This could occur even months into a sale. The will be a risk of getting gazumped in any transaction, because offers are not binding until exchange of contracts. To reduce the likelihood of being gazumped, consider instructing your solicitor early.