We are purchasing a home in the parish of Battle. Is a chancel search necessary?
The solicitor responsible for your move could recommend a chancel search. Although some Parochial Church Councils have exercised their right to exact chancel repairs on the current owners of land subject to chancel liability, it cannot be guaranteed that a parish in which lay rectors have not been expected to pay chancel repair dues recently will continue to be free from liability. In the event that chancel liability may apply, your solicitor might recommend insurance rather than pulling out of the purchase.
How does a Help to Buy scheme work for me?
This government-sponsored scheme aims to assist homebuyers with three ways of purchasing a property:
- Help to Buy ISA - if you are a first-time buyer and don’t own any other property (anywhere in the world), and you don’t have another cash ISA opened in the same tax year, when you buy your first home, the solicitor will apply for the government bonus on your behalf when closure of your Home to Buy ISA used to buy the property is confirmed.
- Help to Buy: Equity Loan - if you have no other property and are buying a newly-built home, the government will provide 20% of the cost of the house (up to a maximum of £600,000), leaving you with the saved 5% deposit and a 75% mortgage to cover the remainder. This is open to current homeowners and first-time buyers, and the home cannot be sublet nor can it be used in a part-exchange deal.
- Help to Buy: Shared Ownership - if your household earns less than £80,000, you could be eligible for this scheme, which allows you to buy between 25% and 75% of the home’s value, while the government pays the remainder on which you would then pay rent.
(information retrieved from HM Government’s Help to Buy website on 16 April 2019).
Contact the Money Advice Service, the government’s Help to Buy website, or your local ‘Help to Buy’ agent for more information.
Will the report on title prepared by the conveyancing solicitor in Eastbourne report back on the amount of council tax for a Band D maisonette before exchange?
A lawyer will consult with the council to find out the latest council tax band and rates, which should be written in the conveyancing report on title. The correct rates for residents of Eastbourne are tabled on the Eastbourne local authority website. Currently, 20 August 2012, rates are as follows:
- Band A - £1,069.00
- Band B - £1,247.00
- Band C - £1,425.00
- Band D - £1,603.00
- Band E - £1,959.00
- Band F - £2,315.00
- Band G - £2,671.00
- Band H - £3,206.00
What do I provide to the solicitor on my house sale?
The list of documents required is quite simple, but will be required at different stages of the process (but ideally any forms should be completed and returned on the day of receipt and preferably delivered by hand or email).
- Proof of id
- Title deeds (if you have them; they might be lodged with the solicitor who handled the purchase of the property you are selling, or the mortgage company)
- Fixtures and Fittings Form (TA10)
- Property Information Form (TA6) – information on boundaries, disputes and complaints with neighbours, notices and proposals, alterations and planning consents, building regulations, electricity and gas certificates, guarantees and warranties, insurance, environmental matters affecting the property, rights and informal arrangements, parking, other charges, services, connection to utilities and services, and transaction information
- Copies of documents referenced in the PIF
- Leasehold or shared freehold documents
- Management Information Pack
- Energy Performance Certificate
Providing all this documentation as quickly as possible, as well as responding to arising questions throughout the conveyancing within a couple of hours will help to speed the conclusion of your transaction up considerably.
Handling the legal work without the assistance of a conveyancing solicitor in Eastbourne looks to be possible as a seller of a maisonette , but would it be prudent ?
There is absolutely no reason why a home buyer cannot decide to reasonably embark on the legal work without an instructed conveyancing solicitor in Eastbourne. However, a solicitor is in charge of a long list of roles from e.g. chasing replies to enquiries and ensuring warranties are transferable which need training.
Should we get a survey for our house purchase?
Homeward Legal firmly recommend that all purchasers in Eastbourne arrange a property survey if purchasing in Eastbourne. A range defects will impact a property. These include roof damage.