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Transfer of Equity in Cirencester

A transfer of equity occurs when a property owner wishes to change the legal ownership of the property. Reasons include marriage, divorce and tax planning.

Homeward Legal's solicitors offer expert legal assistance with your transfer of equity.

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Remortgage Solicitors Cirencester

Homeward Legal's panel of solicitors carry out remortgage conveyancing for Cirencester clients every week.

We strive to complete your remortgage legal work quickly, so that you benefit from your new mortgage deal as soon as possible.

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The Conveyancing
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Conveyancing in Cirencester Q & A's

Profile photo of Lorraine Imhoff

By

Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 30/11/16

Helpful nearby public transport and public service information

Cirencester's nearest station is Kemble at 4 miles and the closest airport to Cirencester is Gloucester Airport.

Cirencester is the closest hospital.

Q.

How do I find low cost conveyancing in Cirencester?

A.

Misleading conveyancing quotes catch out many buyers and sellers, leaving them to pay sometimes £100s more than planned, and many solicitors promote so-called 'the cheapest conveyancing quotes', but extra costs may increase your final invoice. Any disbursements must also be stated on the conveyancing quote. Our quotes offer a clear statement of your solicitors fees for a standard purchase or sale.

Q.

Would ordering a home buyers survey be required when purchasing a property, irrespective of its condition?

A.

The Royal Institution of Chartered Surveyors suggest that property purchasers arrange a property survey. There can be many problems that have a negative impact on a property. These include unsafe chimney circulation and flat roof leaks. These will not be reported on by a solicitor.

Q.

Environmental searches are fine but with recent weather changes e g the major flooding in Sept 2012 in South West England are they comfort enough to ascertain sufficient information about the risk of flooding in Cirencester?

A.

Flood searches carried out by a conveyancer in Cirencester should include the more rigorous search (Landmark) if the risk is deemed significant.

You might be able to speak to a local resident for additional local information.

Q.

Will our Cirencester solicitor report back to me about the cost of the council tax on a Band F flat before exchange of contracts?

Your property solicitor will contact the council to reveal the relevant council tax rates, which will be detailed in the title report. The correct charges for properties in Cirencester are listed online at the Wiltshire council site. At the time of writing (13 October 2012) the different rates are:

  • 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 - £2,525.00
  • Band H - £3,031.00

Q.

Cirencester conveyancing solicitors order formal conveyancing searches when they are instructed to act for a buyer - which actual ones?

A.

If getting a mortgage lender insist that a solicitor to get at least specific searches, including the following Local Authority Search, Drainage and Water Search (CON29DW or personal) and Environment Search, and, depending on certain criteria, specific searches, like a Chancel check Search.

Q.

Do we need a chancel search if we plan to buy in the parish of Longney, near Cirencester?

A.

Whether you are buying a house in Cirencester or elsewhere in the county, the solicitor may suggest that a chancel search is ordered. Chancel repair may be apportioned on new owners of a house where Parochial Church Councils (PCCs) may have spared previous owners or tenants. Even if liability is unlikely, indemnity insurance is a sensible precaution.

Q.

Our agent has named the conveyancing solicitor. Will it be faster to instruct this firm?

A.

Your agent will be able to pressure a conveyancing firm they refer a large number of clients to, and can therefore persuade a solicitor to wrap up the process as soon as possible. However, if the agent is paid a fee by the solicitor, some agents may 'recommend' whichever firm pays the most per referral, not the law firm with the best reputation.

Q.

Can you state how we circumvent paying for HMRC stamp duty?

A.

Stamp Duty Land Tax (SDLT) usually must be paid for purchases sold for more than £125,000. Stamp duty avoidance should not be considered. Such schemes are often uneconomical and very risky.

 
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