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Conveyancing in Fishguard Q & A's

Profile photo of Lorraine Imhoff

By

Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 17/10/17

Read about the Fishguard area ;

Fishguard's nearest station is Fishguard Harbour. The closest airport to Fishguard is Haverfordwest Airport Airport (11 miles s). Aberporth Airport is 20 miles away.

Bro Cerwyn/St Brynach Day Haverfordwest is a nearby hospital for Fishguard.

Q.

Do all cheap conveyancing quotes have extra fees? We need to find low cost conveyancing.

A.

This catches out many buyers and sellers, and can leave them paying far more in fees than they budgeted. Many law firms claim to offer so-called 'the cheapest conveyancing quotes'. Unfortunately extra charges are often hiding in the terms and conditions.

Q.

Is homewardlegal.co.uk able to move quickly on the conveyancing for auction properties in Fishguard?

A.

Our team are auction specialists and regularly do the legal conveyancing sellers at auction. Our panel of lawyers have previously been instructed by countless vendors at regional property auctions that, amongst others, include Acuitus, Allsop (Commercial), Allsop (Residential), Auction House London, Award Property, Barnett Ross, Baxtons, Brendons Auctioneers, Countrywide Property Auctions and Drivers Norris.

Sensible purchasers tend to select a Fishguard conveyancing lawyer as fast as possible to allow time for a full investigation of the documents well before the auction day arrives.

After the actual auction your selected lawyer is absolutely ready for concluding all of the legal work within a month as conventionally required .

Q.

Fishguard conveyancers apply for formal property if instructed to act for a buyer - what specific searches?

A.

If purchasing and obtaining a mortgage, your lender insist that the following for properties in Fishguard: Local Authority (personal or official), Drainage and Water Search (CON29DW or personal) and Environmental, and occasionally specific searches such as Cheshire Brine Search.

Q.

How soon should you instruct a solicitor?

A.

With few exceptions, the earlier, the better. Promptly instructing a firm for your Fishguard transaction for a sale allows prior to marketing the property, documents can be prepared to make it potentially more attractive to motivated buyers, whereas if you are buying you can shave days off the process by having the details of your instructed solicitor ready when you make an offer.

Q.

I am purchasing a converted chapel in the parish of Treffgarne. Is a chancel search necessary?

A.

Whichever Fishguard parish in which you are purchasing, a conveyancer could recommend a chancel search. Chancel repair has the potential to be imposed on the current owners of a home where church councils may have spared previous owners or tenants. It is not safe to rely on the historical behaviour of the parish council alone as a guide.

Q.

How long should I expect it to take our assigned property solicitor to carry out the conveyancing formalities on a terraced home we hope to buy?

A.

The legal process can take anywhere between around a month and 3 months dependent on various things e.g. the efficiency of the sellers lawyer, or the time taken to get a mortgage offer.

Q.

Natwest will be our mortgage lender - is there anything we need to be aware of?

A.

When buying with a mortgage, legal work must be undertaken in relation to the mortgage. Some lenders have reduced their 'solicitor panel'. This can mean increased conveyancing costs for purchasers. Homeward Legal can act for the vast majority of mortgage lenders to keep legal costs to a minimum.

Q.

I am worried about council tax charges on a Fifties semi-detached house in Fishguard, how much are they?

A.

Usually the conveyancer's title report will contain the relevant Pembrokeshire council tax band. Correct charges for homes in Fishguard are set out in detail at the Pembrokeshire council site. At the time of authoring (06 August 2012) rates are:

  • Band A - £629.73
  • Band B - £734.69
  • Band C - £839.64
  • Band D - £944.60
  • Band E - £1,154.51
  • Band F - £1,364.42
  • Band G - £1,574.33
  • Band H - £1,889.20