How many lenders in Chipping Norton do you work with?
Homeward Legal have worked beside many lenders who are Council of Mortgage Lenders-approved. A number of mortgage specialists operate in Chipping Norton, such as Clarke Lloyd Ltd, 8A Parsons St, Banbury, OX16 5LW, Official Mortgage Co, Prama House/267 Banbury Rd, Oxford, OX2 7HT, and Humphreys Terry, Wentways/Stratford Rd, Wroxton, Banbury, OX15 6QS.
Which local authority looks after Chipping Norton?
Chipping Norton is located in West Oxfordshire Council, Elmfield, New Yatt Road, Witney, OX28 1PB phone: 01993 861420
What will the Chipping Norton property lawyer recommend if the home I hope to purchase is situated in a conservation area in West Oxfordshire local authority which has unsanctioned new windows fitted?
The local authority search (LLC1 - Requisition for search and Official Certificate of Search) carried out by your solicitor as part of the conveyancing should verify if the Chipping Norton property a designated conservation area proof of permission for changes to the property will be asked for. If no local authority consents be in evidence, the solicitor will inform you of the alternatives e.g. taking out an indemnity policy or requesting retrospective consent from the council.
Is there a checklist for buyers or sellers helping to decide what’s most important?
The process of buying and selling is a complex one, so it’s helpful for your research to have checklists to ensure nothing is forgotten. There are several online resources with checklists for individual aspects of the moving process, including what to consider as a first-time buyer, help to buy schemes, removals, speeding up conveyancing and so on.
When it comes to deciding what you want for your new home to help you narrow down the choice of locations and types of property available, this is largely down to personal choice, so a standardised checklist might limit your requirements. You can talk to an estate agent about what you want as they will have the experience to narrow down your options. However, you need to consider the size of the property (number of rooms, bathroom facilities, bedrooms, etc.), size of garden, proximity to public transport links, noise, entertainment options (e.g. cinema, pub, eateries, etc.), access to off-road parking, schools, speed of broadband, and so on. Consider making a list of what the property must have and an associated wish list so that likely compromises can be made.
Can you recommend how we avoid paying out for stamp duty tax?
Stamp duty scheme should be treated with extreme caution, as such schemes are often uneconomical and HMRC may challenge a scheme up to six years later and the total stamp duty amount may be due. There have been a range of government-sponsored schemes, on the other hand, such as relief for buyers in 'disadvantaged areas'.