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Transfer of Equity in Cotswolds

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 Cotswolds

Homeward Legal's panel of solicitors carry out remortgage conveyancing for Cotswolds 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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Conveyancing in Cotswolds Q & A's

Profile photo of Lorraine Imhoff

By

Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 12/01/17

Practical regional travel and public service information -

The nearest station to Cotswolds is Moreton In Marsh. Cotswolds's nearest airport is Defford Airport (disused) Airport. Kidlington Airport is 21 mile s, Gloucester Airport is 21 mile and away.

Moreton-In-Marsh is the closest hospital to Cotswolds.

Q.

We are looking for an affordable Cotswolds conveyancing quote. What should we check?

A.

This affects many homeowners who opted for a very cheap quote, only to be stung later in the conveyancing process. Many law firms advertise supposedly cheap conveyancing quotes, but additional costs are frequently hidden in the terms of engagement. Busy, stressed homeowners ignore these terms at their peril. The conveyancing quote should list applicable disbursements.

Q.

We are purchasing a £1030000. What will be calculated for stamp duty?

A.

The Stamp Duty you will owe is dependent on the value of the home. For a property worth £1030000, the rate will be £51500.*

*Correct as of June 2012

Q.

Will you need searches for chancel liability when we are buying in Cotswolds on the same street as parish grounds?

A.

The Law Lords decision in Aston Cantlow (PCC) v Wallbank in 2003 confirmed that chancel repair liability could be enforced. Liability has the potential to impact the value of a Cotswolds property, but an indemnity policy may be available to protect the new owners.

Q.

I am interested in purchasing a residence in Cotswolds, and need to know if there are many designated conservation areas.

A.

Areas considered to be of 'special architectural and historic interest', like fishing villages, may be registered as conservation areas. The benefits of such restrictions will include properties can be easier

to sell, but they may impose liability on a buyer for unauthorised alterations made by previous owners.

Q.

Environmental searches may be fine but when one considers climate change such as the flooding in Sept 2012 in South West England are they actually good enough to see sufficient information about the ever changing risk of flooding in Cotswolds?

A.

A qualified lawyer in Cotswolds will suggest that you include environmental searches if the enviro search flags up any kind of Cotswolds flood risk area

Sometimes buyers get in touch with a next door neighbour for some more local history.

Q.

When in the conveyancing process should we find a conveyancer to act for us?

A.

With few exceptions, the earlier, the better, as conveyancing involves a number of tasks that can be carried out straight away. Prompt instruction of a conveyancing firm for a purchase may 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, paperwork can be prepared, even before a buyer is found.

Q.

What will a Cotswolds conveyancing solicitor advise if the property we hope to invest in is in a Vale of White Horse local authority conservation area which has unfitting window frames added?

A.

Vale of White Horse council search (LLC1 - Requisition for search and Official Certificate of Search) carried out by the solicitor as part of the conveyancing will ascertain the existence of suitable permission for alterations to the property.

Q.

Conveyancers in Cotswolds order varied conveyancing searches when they are instructed by a purchase client, but which actual searches?

A.

When you are getting a mortgage a mortgage lender expects at least specific searches, including the following for properties in Cotswolds: Local Authority (personal or official), Drainage and Water Search (CON29DW) and Environmental and occasionally specific searches for example Utilities Search.

 
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