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Conveyancing in Chesterfield Q & A's

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Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 13/10/17

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

By road: Chesterfield is served by the M1, A61, A617 and A619. By rail: The nearest train station is Chesterfield. By air: Chesterfield is 25 miles from Retford (Gamston) Airport, and 31 miles from Doncaster Sheffield Airport.

Hospital: Chesterfield Royal, Chesterfield Road, Calow, Chesterfield, S44 5BL. Council: Chesterfield Borough Council (www.chesterfield.gov.uk).

Attractions: Chesterfield Museum and Art Gallery, Alma Leisure Park, Bolsover Castle, Stainsby Mill, Hardwick Hall, and Chesterfield Canal.

Q.

We are looking for an affordable Chesterfield conveyancing estimate, because we are on a limited budget. Can you help?

Affordable conveyancing is something that catches many buyers unawares, and can leave them paying far more in fees than they originally budgeted. There are claims by many firms that supposedly offer the cheapest conveyancing quotes. However, reading the small print often reveals extra fees that can pad your final bill. Any extra costs ought to be fair and reasonable. Homeward Legal quotes are not estimates, and offer a 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 much is the council tax on a Fifties, terraced, Band A house in Chesterfield?

Your conveyancing solicitor will supply the precise Council Tax band assigned to your new property and the rate that you would be charged for the current tax year, all of which will be published in the title report. Council tax rates for Chesterfield are set out at the Chesterfield local authority site (see the public service information section at the top of these FAQs). For the 2016/2017 tax year, the rates are:

  • Band A - £1,042.21
  • Band B - £1,215.90
  • Band C - £1,389.62
  • Band D - £1,563.31
  • Band E - £1,910.72
  • Band F - £2,258.12
  • Band G - £2,605.52
  • Band H - £3,126.62

Retrieved 16 February 2017

Q.

In relation to the widespread flooding in September 2012 in the East Midlands, we are wondering whether environmental searches are thorough enough to identify the actual flood risk.

Environmental searches handled by the property lawyer will look into the historical issues with flooding in the area around your prospective purchase in Chesterfield. When the results come back, if the risk level is significant, a more rigorous flood search will be initiated. If you remain worried, why not try to speak to a neighbour or local resident, or one of the local Derbyshire flood damage experts, like:

Q.

Are pre-completion searches disbursements or fees?

For some legal firms, it may be unclear if an itemised charge is a fee or a disbursement. The costs for searches are disbursements (payments to a third party) 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.

Are there many mortgage lenders with branches in Chesterfield?

Homeward Legal work frequently with the majority of the mortgage lenders who operate within proximity of Chesterfield, which smooths the conveyancing process and removes the risk of them passing on their legal fees to you. Lenders and mortgage specialists in Chesterfield include:

  • Derbyshire Building Society, 36-38 Rose Hill, Chesterfield, S40 1LR
  • Standard Life, Chatsworth Road, Chesterfield, S40 3JX
  • Brampton Independent, Barn Lodge, Green Glen, Chesterfield, S40 3SH

Your conveyancing solicitors will be able to advise further. Or you could try giving our team of experts a call on 0800 038 6699 for a fixed-fee quote and advice.

Q.

The internet has a multitude of publications about DIY conveyancing (for example, Buy, Sell & Move House: A Complete Guide to Navigating the Property Market by Kate Faulkner). Do I really need to spend money on a solicitor in Chesterfield?

It is possible to look after the conveyancing yourself. That said, a conveyancer takes care of a significant number of activities (including chasing deeds or checking that the contract package is in order), many of which require legal experience. To do the work yourself puts the completion at risk by slowing the process down. In any event, solicitors’ firms are obligated to have the relevant professional indemnity insurance to safeguard you from any carelessness.

Q.

How long will it take my property lawyer to exchange contracts for the lower floor of new build house in Chesterfield?

The conveyancing process can take anywhere from 3 weeks to three months, depending on a number of issues (e.g. the speed of the vendor's conveyancer, the length of the chain, or the management of any contentious issues arising). Homeward Legal's conveyancing solicitors are very focused on speed and communication, without compromising on service, using modern integrated systems to assist them, with the intention of completing as soon as we can.

Q.

My Chesterfield move is likely to be expensive. Do you advise looking into how to avoid paying Stamp Duty Land Tax (SDLT) rates?

Stamp duty is payable on property purchases sold for more than £125,000. Homeward Legal do not recommend our clients expose their finances to any stamp duty reduction scheme, which are often uneconomic and highly expensive. The HMRC can also review a scheme up to 6 years after a sale is completed, which may mean that you will be liable to pay up to 100% of the duty remaining.

Q.

What average time does it take my property lawyer to exchange contracts the conveyancing process for the lower floor of new build house?

A.

It can take anywhere from 3 weeks and three months depending on a number of issues e.g. the speed of the vendor's conveyancer, or the length of the chain. Homeward Legal's conveyancing solicitors are very focused on speed and communication, with the intention of completing as soon we can.

Q.

If we are purchasing in the parish of Chellaston, will we need a chancel search?

A.

A conveyancing solicitor may suggest a chancel search. In older areas of Chesterfield, chancel repair has the potential to be charged on new owners of a building where Parochial Church Councils have not imposed the same liability on the last owners, so indemnity insurance may be advisable even if liability is unlikely.

Q.

Which local authority is responsible for Chesterfield?

A.

Chesterfield is located in Chesterfield Borough Council, Town Hall, Rose Hill, Chesterfield, Derbyshire, S40 1LP, contact: 01246 345 345

Q.

Do I need to instruct the lawyer suggested by my estate agent?

A.

An agent may endorse a conveyancing solicitor. However, if the agent is paid a fee by the solicitor, some agents may 'recommend' the solicitor willing to pay the highest referral fee, not the most suitable for you.

Q.

I am planning on buying a sixties building within a conservation area, how does one find more information on the standard of repair?

A.

English Heritage administer a list of the condition of conservation areas.

Local conservation areas are designated by the local authority (Chesterfield) who police conservation area concerns from building materials used to ugly parking meters.

Q.

Is contaminated land a problem in Chesterfield?

A.

Property in Chesterfield will be contaminated by many naturally-occurring factors, and an environmental search should clarify to what extent a plot of land is impacted by Chesterfield contaminants such as local historic industrial processes. Sheepbridge Landfill, Dunston Road, Derbyshire, S41 9QD is one such potential cause of local contamination.

Q.

For a fast conveyancing process on the purchase of a £309,000 property, how can we speed things up?

A.

As is widely reported, instructing a proactive and experienced conveyancing solicitor is essential to faster conveyancing. There are numerous things you as the purchaser can do, including, calling or emailing the conveyancing solicitor, and chase them if you suspect any delays, answering any queries raised by the conveyancing solicitor as soon as possible and arranging any finances require to complete the purchase.