Natwest will be our mortgage lender - is there anything we need to be aware of?
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.
I am planning to buy in Fishguard. Can we establish whether the property is in a conservation area?
With around 9,000 affected areas throughout the country, the local areas near or within Fishguard will include numerous conservation areas. Your property solicitor will offer more information.
The local agent has referred the property lawyer that they have used before. Will it be more cost-effective to use this solicitor?
It is common for agents to recommend a solicitors firm. However, if they are paid a referral fee, some agents may 'recommend' the firm which pays to the largest referral fee, not the law firm with the best reputation.
I am worried about council tax charges on a Fifties semi-detached house in Fishguard, how much are they?
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
Doing ones own conveyancing without using a lawyer in Fishguard is becoming possible as a buyer of a maisonette. However, would it really be an unrealistic idea ?
Theoretically speaking there are no arguments at all why a home buyer cant do the your own conveyancing on your own.
The truth is however that a conveyancing solicitor is familiar with a large number of roles from ranging from approving completion statements and communicating with managing agents which really need a skilled professional.
Nonetheless lawyers must carry applicable professional indemnity insurance to safeguard you from any oversights.
We are buying a 1950s maisonette within a conservation area, how do I find details in relation to the current state of repair?
Following a campaign, English Heritage now maintain a list of the condition of conservation areas.
Conservation areas in Fishguard are set up by the local Pembrokeshire planning authority, who police conservation area concerns from what can be developed to back illuminated signs.
Which local authority looks after Fishguard?
Fishguard is located in Pembrokeshire County Council, County Hall, Haverfordwest, Pembrokeshire, SA61 1TP, phone: 01437 764 551