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Conveyancing in Fareham Q & A's

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Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 17/04/18

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

By road: Fareham is served by the M27, A27 and A32. By rail: The nearest train station is Fareham. By air: Southampton Airport is 14 miles from Fareham.

Hospital: St. Christopher’s, 52 Wickham Road, Fareham, PO16 7JD. Council: Fareham Borough Council (www.fareham.gov.uk).

Attractions: Fort Nelson, Portsmouth Harbour, Titchfield Haven National Nature Reserve, Portchester Castle, Westbury Manor Museum, and Calshot Castle.

Q.

How do I get the best conveyancing rates in Fareham for a £591,000 house purchase?

Numerous property lawyers claim to offer cheap conveyancing. Unfortunately, additional charges, not overtly stated, can inflate the final bill. Any disbursements ought to be listed on any quote for conveyancing in Fareham. At Homeward Legal, we never hide any costs, and our quotes offer a clear statement of your legal fees for a standard conveyancing transaction. Try our quote calculator, or call our team of conveyancing experts on 0800 038 6699 to discuss your needs.

Q.

Flood searches are based on archived information and when you consider recent climatic events (e.g. 2012 being the second-wettest year since records began), are they still suitable to establish sufficient information about the Fareham area flood-risk?

Flood searches will be handled by your conveyancing solicitor as part of the standard conveyancing. This will look at the flood risk for your property and its environs and, if the risk is significant, your solicitor may order a more thorough search (Landmark). If you are still concerned why not speak to a neighbour? Or you could discuss any issues with a local Hampshire flooding repair expert, such as:

  • Solent Home Services, 7 Lower Church Road, Park Gate, Fareham, PO14 4PW (Tel: 01489 576987)
Q.

I am hoping to move from our period residence on the outskirts of Fareham into a larger flat in Eastleigh. When is the best point to choose a removals firm?

Although you may be eager to appoint a removals firm, because this feels as if the move is now ‘real’, the ideal approach is to avoid making arrangements until you have confirmed your completion date. This only happens after the signing of contracts. Be aware that some removals firms impose a rebooking fine or a rearrangement levy. There are many local and national companies who operate in the Fareham area, including:

  • Locks Heath Removals Ltd., Unit C6, Segensworth Business Centre, Segensworth Road, Fareham, PO15 5RQ (Tel: 01329 849393)
  • Bloomfield Removals, 6 Foxgloves, Fareham, PO16 8UW (Tel: 01329 233545)
Q.

Will my conveyancer let me know the council tax we’ll be charged on the end-of-terrace house we are buying in Fareham?

Your conveyancer will have a dialogue with the local authority responsible for setting the council tax charges. The band and the charge for your property for the tax year in which the exchange of contracts occurs will be detailed in the subsequent report on title. Fareham’s council tax rates are available on the council’s website (see the public service information section at the head of these FAQs). For the 2016/2017 tax year, Fareham’s rates were:

  • Band A - £965.03
  • Band B - £1,125.88
  • Band C - £1,286.71
  • Band D - £1,447.56
  • Band E - £1,769.24
  • Band F - £2,090.92
  • Band G - £2,412.59
  • Band H - £2,895.12

Retrieved on 17 February 2017

Q.

Which of the Fareham lender panels is Homeward Legal a member of?

The Homeward Legal partnership have experienced solicitors who work in conjunction with the majority of lenders and brokers who are approved by the Council of Mortgage Lenders. A number of mortgage specialists operate in Fareham, such as:

  • Lloyds Bank PLC, 43 West Street, Fareham, PO16 0BE
  • Nationwide Building Society, Savoy Buildings, 2 West Street, Fareham, PO16 0DP
  • Q.

    How long should it take my appointed conveyancer to complete all of the legal processes on the top-floor flat of a Victorian house?

    Most people will have anecdotes describing how dreadfully long their previous conveyancing took, and how frustrating it was. More often than not, the extended

    time is down to the fact that buyers, sellers and solicitors in the chain are awaiting responses from others, or haven’t completed forms in a timely manner. On average, then, it can take anywhere between 1 and 3 months. With the experienced solicitors at Homeward Legal, every purchase is handled as fast as possible, without compromising on service, using solicitors who are highly proactive. We aim to complete the conveyancing work within six weeks. Give us a call on 0800 038 6699 for a fixed-fee quote.

    Q.

    To ensure speedy conveyancing on the purchase of a converted barn in Fareham, what do we need to consider?

    The most essential point to facilitate speedier conveyancing is to instruct a communicative and proactive property lawyer, like those at Homeward Legal. You should also consider the following questions:

    • Did you experience any delays when requesting a quote?
    • What methods of communication do they use? Posting documents can adds days of waiting to a purchase.
    • Do they work on a 'no sale, no fee’ basis?

    Homeward Legal provide immediate, fixed-fee quotes, reinforced by a guarantee of ‘No Completion, No Fee’. Our solicitors are trained to proactively manage the communication using the latest technology, supported by state-of-the-art, integrated systems to ensure an earlier completion than other firms. Use the quote calculator, or give us a call on 0800 038 6699.

    Q.

    The purchase of my £144,000 mid-terrace house in Fareham is scheduled to complete in the next few weeks. How will the stamp duty on it be assessed?

    The Stamp Duty Land Tax (SDLT) depends on the purchase value of the property and is triggered once the price goes over £125,000. Using the example cited, the stamp duty would be £380 on a property bought for £144,000. 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.

    What is the council tax on a Sixties end of terrace building in Fareham?

    A.

    Commonly, a conveyancer's title report will give detail the appropriate Fareham council tax band. Council tax charges for Fareham are set out in detail at the Fareham local authority site. At the time of writing (05 March 2013) rates are:

    • Band A - £924.00
    • Band B - £1,078.00
    • Band C - £1,232.00
    • Band D - £1,386.00
    • Band E - £1,694.00
    • Band F - £2,002.00
    • Band G - £2,310.00
    • Band H - £2,771.00

    Q.

    What length of time should it take my designated lawyer to exchange contracts all of the legal process on the top floor of Victorian home?

    A.

    The process can take anywhere from around a month and three months, contingent on a number of factors e.g. the efficiency of the vendor's property lawyer, or the time taken to get a mortgage offer.

    Q.

    How do you calculate Stamp Duty Land Tax, and how much should we pay on a £661000 Fareham property?

    A.

    Stamp Duty is based on the value of the property. It will be £26440 on a £661000 home.*

    *This information correct as of January 2013

    Q.

    Will we need to get a chancel search if my family are buying in Fareham?

    A.

    In Fareham, some owners can be required to cover the cost of upkeep of a local church. Indemnity policies can be arranged if chancel liability is likely to be enforced. Your conveyancing lawyer can provide more details. Church of England properties in this area include Holy Trinity, St Columba, St John the Evangelist and St Peter & St Paul.

    Q.

    I am hoping to move from our period residence on the outskirts of Fareham into a larger flat in Eastleigh what is the best point to choose a removals firm?

    A.

    The ideal approach is to avoid making arrangements with the removals until you have confirmed your completion date that happens after signing of contracts. A portion of removals firms will impose a re booking fine

    There are many local and national companies including Purvers International, Unit 800 Fareham Rd, Gosport, PO13 0FW Phone: 01329 238111 or Locks Heath Removals, Unit C6 Segensworth Business Centre, Segensworth Road, Fareham, PO15 5RQ Tel: 01329 849393.

    Q.

    We are buying a property where the seller looks to have fitted unseemly artificial stone cladding in Fareham which I think may break nearby conservation area guidelines

    A.

    Your solicitor will make enquiries to find out if your new home is located within a designated conservation area, and if so whether any modifications have the necessary consent from the Fareham council. In the event that no authority consents be produced, your solicitor will recommend the best alternative e.g. seeking cover from an indemnity policy or seeking retrospective consent from the appropriate local authority.

    Q.

    Does the Fareham conveyancing solicitor apply for any searches on the Hampshire Sixties mid terrace property I am purchasing

    A.

    The common procedure is to get Local Authority (personal or official), Drainage Search (Con29DW) and Environmental as well as any area-specific searches, like a Flood Risk search.