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Conveyancing in Chingford Q & A's

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Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 07/08/18

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

By road: Chingford is served by the A110, and the A112.

By rail: The nearest train station is Chingford.

By air: The closest airports to Chingford are London City Airport (9 miles), London Stansted Airport (23), London Heathrow Airport (23), London Luton Airport (also 23 miles), London Southend Airport (30), and London Gatwick Airport (34).

Hospital: Whipps Cross, Whipps Cross Road, Leytonstone, E11 1NR.

Council: London Borough of Waltham Forest Council.

Attractions: In addition to the all that the proximity to London offers, there are also Chingford and District Model Engineering Club, Pimp Hall Nature Reserve, and Chingford Plain.

Q.

We’re desperate to make sure we get the right firm involved, but how early in the home-moving process should we instruct a conveyancing solicitor to act on our purchase in Chingford?

Whether you are buying or selling, or if you’re remortgaging your home, the answer remains the same: The sooner you instruct a conveyancing lawyer, the better.

Some solicitors’ practices suggest delaying instruction until an offer has been firmly agreed but doing so will put you at a disadvantage compared with better-prepared buyers, or if your buyer decides to pull out due to the delays incurred.

There are several conveyancing tasks that can be started immediately, and if you appoint a solicitor offering a fixed conveyancing fee, it won’t affect the bill when they are appointed.

For the best and clearest conveyancing quote, why not try Homeward Legal’s easy-to-use quote calculator? Or, if you want to talk to someone, you could call our expert team on 0800 038 6699 for your fixed-fee quote, backed up with our ‘No Completion, No Fee’ guarantee.

Q.

I am intending to purchase a flat just down the road from an old church in Chingford, so will a chancel search be required?

Chancel liability is an anachronistic throwback tithe (or parochial tax) that can be traced to medieval times, when wealthy landowners would pay for the upkeep of church property. But, when their land was carved up and sold on for building, the smaller plots might have all inherited the chancel liability.

Although archaic, the government has yet to abolish the liability as it stands. However, they have implemented the method of registering an interest by the parochial councils to simplify the process of identifying liability where it exists.

So, whichever Chingford parish you are buying in, a property solicitor will suggest a chancel search. However, it isn’t possible to be completely certain that a parish, in which lay rectors have not previously been expected to pay chancel repair dues, will not automatically be the case for future owners. Therefore, it can be difficult to use this as a guide. Your solicitor can advise you on the position, and they will also arrange any indemnity insurance that you choose to take out.

To get the best conveyancing, and to exploit our great experience in chancel liability, at competitively low prices, you should opt for Homeward Legal. Get your fixed-fee quote, protected by our ‘No Completion, No Fee guarantee, or call our team of property experts on 0800 038 6699.

Q.

There are so many books giving details on DIY conveyancing to help reduce costs. Do we therefore have to use property solicitor in Chingford?

There is no legal impediment as to why you can’t carry out the conveyancing without assistance from a trained professional.

That said, a lawyer in Chingford takes care of a huge array of jobs ranging from chasing replies to requisitions and identifying the most appropriate searches many of which require a qualified professional.

In addition, your lack of experience will naturally incur delays in the process, thereby putting your whole transaction in jeopardy as your seller may become frustrated with how long things are taking.

If you’re looking to reduce costs, you can do yourself a service all round by looking at Homeward Legal. Call our experts on 0800 038 6699 to find out more. All our quotes are fixed-fee and guaranteed with a ‘No Completion, No Fee’ assurance.

Q.

Is an Environmental Search a disbursement or fee?

Fees and disbursements ought to be stated separately on your quote, but this is not always clear with some firms, who prefer to cover fees as disbursements to maintain an attractive headline quote.

This charge is a disbursement rather than a fee, which Homeward Legal will pass on to you at cost, although some other solicitors will charge extra for this.

At Homeward Legal, there are no additional costs to be added to our fixed-fee conveyancing, and the distinction between the two types of costs are clearly laid out in the quote.

Try out our online calculator for your fixed-fee quote, with our ‘No Completion, No Fee’ guarantee. Or call our property experts on 0800 038 6699 to instruct your solicitor and get your transaction moving today.

Q.

What are the searches that a Chingford solicitor would order and how much are they?

The standard bundle that a Homeward Legal solicitor will order comprises:

  • Local Authority Search – this identifies information affecting your property held by the local authority (e.g. contaminated land, building control, planning consents, etc.)
  • Water & Drainage Search – this identifies where drainage and water supplies feed into and out of the property, and location of the public mains systems
  • Environmental Search – this identifies the risks to your property within 500 metres (e.g. flooding, subsidence, landfill, waste management sites, etc.)
  • Chancel Repair Search – this identifies your potential liability for maintaining the local church property

There may be specific additional searches that your solicitor recommends getting based on the history and location of the property you are planning to buy. For instance, and as the name suggests, Chingford has an association with coal-mining, so your solicitor may recommend ordering a coal-mining search to identify whether existing or historical activities will affect your property.

When you instruct a solicitor with Homeward Legal, they will order searches immediately to get your conveyancing under way, and the standard search bundle will cost £360, including VAT (information correct as at 7 August 2018).

Try out our online calculator for your fixed-fee quote and to see how low our costs are, with our ‘No Completion, No Fee’ guarantee. Or call our property experts on 0800 038 6699 to instruct your solicitor and get your transaction moving today.

Q.

Which of the Chingford mortgage lender panels are you on?

Homeward Legal’s solicitors work with most lenders providing financing to Chingford home-buyers. This is great news because, by representing both you and your lender, we guarantee you won’t have to pay a penny towards your lender’s legal costs.

This is but one of the many reasons for choosing Homeward Legal to look after your conveyancing. Interested in finding out more? Call our waiting friendly experts on 0800 038 6699.

Chingford lenders and mortgage specialists in the area include:

  • Instant Mortgages Ltd., 376 High Road, Woodford, IG8 0XG (Tel: 020 8498 9222)
  • Nationwide Building Society, Chingford Mount Road, E4 8JZ (Tel: 0800 554 0245)
  • Barclays Bank PLC, 24 Station Road, Chingford, E4 7BQ (Tel: 0345 734 5345)
Q.

What is the 'fixtures and fittings' form and what’s its purpose?

Chiefly, fixtures are fixed elements, such as shelving to walls, floors or ceilings and fittings are free-standing (such as carpets, wardrobes or wall-hanging mirrors, but can also include items in the garden including tubs of plants or storage places). It is often this form that triggers discussions and offers for anything that might be left.

Completion or agreement of a fixtures and fittings form is unfortunately often left to the last minute, when a dispute may jeopardise the transaction. This makes a fixtures and fittings form so necessary.

When you instruct a solicitor with Homeward Legal, as part of their introduction, they will talk you through the conveyancing process and the part you can play in making it as smooth and as quick as possible.

Want to know more about this and other aspects of the conveyancing process? Eager to get your move moving? Call our friendly experts on 0800 038 6699.

Q.

My estate agent in Chingford has recommended a local solicitor to use for the conveyancing, but am I obliged to appoint them?

An estate agent will have influence over one or more conveyancing firms to which they refer many their clients, and they can therefore potentially encourage a slow solicitor to work faster. In fact, rather than plumping what seems easiest, it’s advisable to do a bit of research and comparison between quotes.

However, such referrals must be considered carefully, as it may be the case that the agent recommends the firm which pays to the largest referral fee, and not the most suitable one for you.

So you should think carefully before appointing them without doing some research and comparison with other firms that are available in the high street and online.

Our experts at Homeward Legal are waiting for your call on 0800 038 6699 to talk through your conveyancing needs and to give you your fixed-fee quote, matched with our ‘No Completion, No Fee’ guarantee. And, you can instruct your solicitor today, if you’re ready, and get your move moving.