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Conveyancing in Enfield Q & A's

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Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 19/10/17

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

By road: Enfield is served by the M1, A41, A411 and A5183. By rail: The nearest train station is Enfield Town. By air: Enfield’s proximity to London means that there are several airports accessible from the town: North Weald Airfield (16 miles), London City Airport (18), Northolt Jet Centre (20), London Heathrow Airport (25), London Luton Airport (27), London Stansted Airport (29), London Southend Airport (41), and London Biggin Hill Airport (43).

Hospital: Chase Farm, 127 The Ridgeway, Enfield, EN2 8JL. Council: London Borough of Enfield (www.enfield.gov.uk).

Attractions: Lee Valley Park, Whitewebbs Museum of Transport, Enfield Museum, Bush Hill Park, Ponder’s End Lock, and Myddelton House Gardens.


The estate agent has referred the conveyancing to a solicitor they work with in Enfield, but is it risky to use this firm?

It is commonplace for agents to suggest you use a particular law firm, but such referrals do need to be weighed up against the alternatives, including what’s available from online or other local firms. This is because there is a risk that an agent may choose the conveyancer who pays out the highest referral fee, but not the one who is most suitable for you. For the best and clearest quote, why not try our quote calculator? Or, if you want to talk to someone, you could call our expert team on 0800 038 6699.


Will the lawyer get any property searches on the Enfield-based, Fifties, mid-terrace property I am intending to purchase?

When you take out a mortgage, the lender will require you to order at least these searches: a Local Authority Search (personal or official), a Drainage and Water Search (CON29DW) and an Environmental Search. But there might occasionally be a unique request e.g. a HS34.


Are there many mortgage-lenders with offices in Enfield?

Homeward Legal has experienced solicitors who work closely with many lenders listed with the Council of Mortgage Lenders. A number of mortgage specialists operate in Enfield, such as:

  • Discount Mortgages Ltd., 525E Hertford Road, Enfield, EN3 5UA
  • Sorpen Financial Solutions Ltd., 12 Southbury Road, Enfield, EN1 1YT
  • NatWest Bank PLC, 9 The Town, Enfield, EN2 6LE

How much will the conveyancing-searches cost for my flat in Enfield?

Searches range in cost and this is dependent on the types of searches ordered and the depth to which they go, in order to establish the legal title of the property. In addition, if you are supplementing the purchase with a mortgage, your lender will require specific searches to be performed to satisfy the terms of lending you the money. Searches are disbursements paid to a third party and passed on to you at cost.


I am on a deadline and will need to get fast conveyancing in Enfield, but what do we need to do?

The key to speeding up the conveyancing process is to employ a proactive, diligent and communicative solicitor, like the ones we have on our panels at Homeward Legal. There are also several tasks that you as the buyer can do to get moving sooner. These include:

  • arranging your mortgage offer early
  • keeping in regular contact with the solicitor and applying pressure if you suspect any unnecessary delay
  • completing and returning all forms as soon as possible

How long will it take our property lawyer to complete all of the conveyancing formalities on a maisonette in a Thirties building we are thinking of buying?

Conveyancing can take anywhere from a month to three months, contingent on a number of things, like the speed of the sellers’ lawyer, or contentious issues that may arise. At Homeward Legal, our experienced lawyers are trained to communicate with everyone along the entire property chain and to actively remove problems or mitigate their effects. They are also chosen because they use state-of-the-art information systems that are linked to HMRC, the local authorities, and the Land Registry, making the fact-finding part of the conveyancing process much quicker. Try our quote calculator, or talk to one of our experts on 0800 038 6699 to receive your fixed-fee conveyancing quote.


I am buying a £799,000 in Enfield, so what is the SDLT calculation?

The Stamp Duty payable is dependent on a number of factors but primarily on the property's value, if it is more than £125,000. On a £799,000 house, the stamp duty will be £29,950.


Will I be charged additional fees for the conveyancing of my Enfield purchase over and above what appears in your quote?

No. Homeward Legal will not charge any extra fees whatsoever. Some other law firms provide what is little more than an estimate dressed up as a quote in order to appear attractive, which will result in you potentially having a more expensive final bill than you were expecting. However, it may be that you would benefit from additional legal work, such as a vesting order. Any such fees would not be charged until you were made aware of the circumstances. In this way, with Homeward Legal, you are always in charge of the legal bill for your move. To discuss your needs and to obtain your free, fixed-fee, ‘No Move, No Fee’-guaranteed quote, contact our team on 0800 038 6699.


What steps can I take to get out of paying SDLT?


SDLT must be paid for property over 125,000 pounds. Homeward Legal strongly advise against any stamp duty avoidance. Such schemes are expensive and , if a scheme is challenged, you can be fined up to 100% of the amount owed, in additional to the tax itself.


Are there many lenders with offices in Enfield?


We have solicitors experienced closely with many lenders listed with the Council of Mortgage Lenders. A number of mortgage specialists operate in Enfield, like Elite Mortgage Finance Ltd, 352 Green Lanes, London, N13 5TJ, Prudent Mortgage Solutions, 44 Friends Av, Cheshunt, Waltham Cross, EN8 8LX, and Prudent Mortgage Solutions, 758 Great Cambridge Rd, Enfield, EN1 3GN.


Which local authority is responsible for Enfield?


Enfield is located in London Borough of Enfield Council, Civic Centre, Silver Street, Enfield, EN1 3XY, phone: 020 8379 1006


Is a residential property in St. Alphege suitable for stamp duty relief?


Enfield disadvantaged areas are identified by council ward. Disadvantaged areas in the vicinity Enfield are Ponders End, St. Alphege, St. Peters, Angel Road, Craig Park, Latymer and Weir Hall. Update: As of the 2013/14 tax year, stamp duty relief for disadvantaged areas is no longer available.


I am intending to buy a barn conversion in St Mary le Strand. Is a chancel search appropriate?


Whether you are buying a home in Enfield or elsewhere in the county, the property lawyer should confirm that a chancel search be taken out. In older areas of Enfield, chancel repair has the potential to be charged on new owners of a home where church councils may have spared previous owners or tenants. Even if liability is unlikely, indemnity insurance is a sensible precaution.


We are buying a converted building in a Enfield conservation area, where does one locate details about the state of upkeep?


Following a campaign, English Heritage now maintain a list of the state of conservation areas. Local Enfield conservation areas are created by Enfield who govern conservation area concerns from building materials to the hindrance of back illuminated signs.


The Enfield property being purchased is on a brownfield land. Is chromium soil contamination likely?


Enfield industry, agriculture and the natural environment can cause soil contamination. Environment search results will factor contaminants, including metals and others such as groundwater contaminants like petrol and acidic compounds.