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Conveyancing in Chorley Q & A's

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Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 11/10/17

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

By road: Chorley is served by the M61, A581, A673 and A674. By rail: The nearest train station is Chorley. By air: The closest airports to Chorley are Blackpool Airport (28 miles), Manchester Airport (32 miles), and Liverpool John Lennon Airport (40 miles).

Hospital: Chorley and South Ribble District General, Preston Road, Chorley, PR7 1PP. Council: Chorley Council (www.chorley.gov.uk).

Attractions: Heskin Hall, Yarrow Valley Country Park, Healey Nab, Astley Hall and Park, and Heskin Farmers’ Market and Craft Centre.

Q.

I have got a conveyancing quote from you that looks very good, but will there be any extra charges that I’m not aware of?

No, there won’t. Homeward Legal does not charge any hidden fees for any reason. Our conveyancing quotes offer a single, accurate fee the legal costs for your sale or purchase, with a clearly laid-out distinction between disbursements (payments to a third party passed on to you at cost) and solicitors’ fees (which are fixed). Try our quote calculator, or call our team of conveyancing experts on 0800 038 6699 to obtain your fixed-fee quote, backed up with our ‘No Move, No Fee’ guarantee.

Q.

Will the property solicitor carry out any conveyancing searches on the Lancastrian Regency, end-of-terrace house I want to buy in Chorley?

If you are buying the property with the help of a mortgage, the building society or bank will insist that a solicitor gets at least the following: Local Authority Search, Drainage Search, Environment Search, and occasionally area-specific searches (for instance, Official Search of whole without priority, or Planning Searches).

Q.

In about six weeks, we are hoping to move from our detached house in Chorley to our new place in Euxton, but when is the optimum point to line up a home-removal firm?

It is very tempting to appoint all the firms and people involved in your move early on in the process, because with the excitement of your move, that makes it feel more real. While appointing a solicitor early is key to a smooth and swift transaction, the opposite is largely true with removals firms. Because your move date is not fixed until the exchange of contracts, to pencil in a date for removals prior to that is risky, since they may charge you a rearrangement fee.

Q.

What will the SDLT be for a £399,000 residence I am purchasing in Chorley?

The Stamp Duty Land Tax (SDLT) rate depends on a number of factors but principally on the price you bought your property for. If your building was purchased for under £125,000, you will not have to pay any stamp duty. In the example cited, the duty owed would be £9,950 on a property bought for £399,000. 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.

How many mortgage lenders in Chorley do you work with?

Most lenders and mortgage experts in Chorley are on our solicitors' panel. Lenders and mortgage specialists in and around Chorley include:

  • Cheshire Building Society, 4-6 Fazakerley Street, Chorley, PR7 1BG
  • Money Matters, 1 Mayfield Road, Chorley, PR6 0DG
  • Churchside Financial Planning Ltd., Chestnut House, 46 Halliwell Street, Chorley, PR7 2AL

Your solicitor can tell you about any hurdles or costs associated with the lender. Call us on 0800 038 6699 to discuss your conveyancing needs further.

Q.

What would the conveyancing searches cost for a two-bedroom apartment in Chorley?

With Homeward Legal, you will be charged at most £249 for the standard conveyancing searches in Chorley. They are disbursements paid to a third party and passed on to you at cost.

Q.

Flood searches may be fine, but considering current weather events such as the serious flooding in September 2012 in Northwest England, are they thorough enough to absolutely clear about the flood-risk in the Chorley area?

Your Chorley property solicitor will advise you to include more in-depth and informative conveyancing and environmental searches if the first environmental search spots a significant Chorley-centred flooding risk. To get further assurance, you could always speak to one of your future neighbours about the history of flooding near your planned purchase. Or you could try a nearby Lancashire flood-repair expert, such as Property Restoration North West Ltd., 47 Preston Drive, Whittle-Le-Woods, Chorley, PR6 7PE (Tel: 07850 041501).

Q.

For a speedy exchange and completion on the purchase of a £289,000 Chorley property, what should we do to guarantee the acceleration of the transaction?

Key to an increase in the pace of the conveyancing transaction is to instruct a property lawyer as early as possible. When choosing a property lawyer, you should consider these questions:

  • Do they offer 'no move, no fee' protection? This can incentivise a faster transaction.
  • Do they offer 'instant' online quotes?
  • Are phone, fax and email their preferred methods of contact?

Homeward Legal offers this and more. To discuss your needs and to obtain your fixed-fee, ‘No Move, No Fee’-guaranteed quote, contact our team on 0800 038 6699.

Q.

How many weeks should it take our assigned conveyancing solicitor to complete the conveyancing work for an apartment in a Regency building in Chorley?

A.

The conveyancing process can take anywhere from 3 weeks and 3 months depending on various issues such as the efficiency of the vendor's property solicitor, or re-negotiations following a survey. Homeward Legal's conveyancers are highly results driven with the goal of completing the process as promptly we can.

Q.

Are there any disadvantaged areas in Chorley?

A.

There are over 1,900 disadvantaged areas throughout the country. Disadvantaged areas around Chorley currently include Chorley East. Update: As of the 2013/14 tax year, stamp duty relief for disadvantaged areas is no longer available.

Q.

Will my property lawyer in Chorley tell me about the cost of council tax on a Band C maisonette before exchange?

A.

The lawyer will write to the appropriate council to discover the latest council tax rates, which should then be written in the report on title. Council tax charges for residents of Chorley are detailed on the Chorley council site. At the time of writing (09 September 2012) rates are as follows:

  • Band A - £1,010.00
  • Band B - £1,179.00
  • Band C - £1,347.00
  • Band D - £1,515.00
  • Band E - £1,852.00
  • Band F - £2,189.00
  • Band G - £2,526.00
  • Band H - £3,031.00

Q.

Which local authority is responsible for Chorley?

A.

Chorley is located in Chorley Borough Council, Town Hall, Market Street, Chorley, Lancs PR7 1DP, Tel: 01257 515 151

Q.

Can you recommend how to circumvent paying SDLT?

A.

SDLT commonly must be paid on home purchases priced at over 125,000 pounds. We do not recommend any form of stamp duty mitigation, because these schemes are costly and HMRC may challenge a scheme up to six years later meaning that the full stamp duty amount will then be due.

Q.

When is it wise to find a solicitor?

A.

With a firm offering a 'no move, no fee' conveyancing quote, the earlier, the better. Early instruction of a firm to act on your Chorley sale or purchase for a purchase can mean that you can shave days off the process by having the details of your instructed solicitor ready when you make an offer, or, if you are selling a property, documents can be prepared earlier, considerably accelerating the whole process.

Q.

How many lenders in Chorley do you work with?

A.

Most lenders in Chorley are on our Chorley solicitors' panel. Chorley lenders and mortgage specialists include Cheshire Building Society, 4-6 Fazakerley St, Chorley, PR7 1BG, Money Matters, 1 Mayfield Rd, Chorley, PR6 0DG, and Churchside Financial Planning, Chestnut House/46 Halliwell St, Chorley, PR7 2AL.