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Conveyancing in Folkestone Q & A's

Profile photo of Lorraine Imhoff

By

Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 20/01/18

Folkestone points of interest

Kent Battle Of Britain Museum Aviation Museum and Capel-le-Ferne St Mary the Virgin Churches Conservation Trust are close at hand to Folkestone.

Folkestone's nearest station is Folkestone Central and Lydd Airport is 13 miles from Folkestone. Manston Airport is 21 mile and away.

Folkestone is very close at 1m of the M20 junction entry 13 Eastbound.

The nearest hospital is Royal Victoria Folkestone.

Q.

How do we find affordable conveyancing?

A.

Both high-street and online firms claim to offer so-called cheap conveyancing, however extra charges may be added into the solicitor's terms of engagement. A quote should also state third party costs, termed disbursements, to be paid.Our quotes offer a clear statement of your solicitors fees for a standard purchase or sale.

Q.

We need to know which Folkestone lenders your lawyers are able to work with. Whose panels are you on?

A.

Of lenders with offices in Folkestone, Homeward Legal work with the vast majority. Local mortgage lenders and brokers include Mortgage Maze, 23 Pelham Gdns, Folkestone, CT20 2LE, and Harris Stephen, Unit 14 The Glenmore Centre/Shearway Business Pk/Pent Rd, Folkestone, CT19 4RJ. The solicitor managing the legal work for your move will be able to carry out any relevant lender-imposed searches or checks.

Q.

The estate agent we're using in Bedmond has named the property solicitor. Should we instruct this solicitor?

A.

The agent will be able to influence a solicitor they refer many clients to, and can therefore to reduce delays in the conveyancing process. However, if the agent is paid a fee by the solicitor, some agents choose whichever firm pays the most per referral, not the most suitable for you.

Q.

What property conveyancing searches does the conveyancing solicitor in Folkestone get when acting on a Folkestone flat?

A.

Normal legal protocol will be to obtain Local Authority, Drainage and Water Search, Environment Search and Coal Mining (Con29M) and, depending on certain criteria, less common searches e.g. a Chancel Check.

Q.

What can a Folkestone conveyancing solicitor do if the flat we are intending to buy is inside a registered conservation area and has unsympathetic removal of chimney stacks fitted?

A.

The conveyancing solicitor is required to find out whether the property is within a designated conservation area, and if so, whether any alterations have necessary consents from the local council.Should no appropriate permissions be in evidence the solicitor will recommend the best alternative which can include seeking cover from an indemnity insurance or getting retrospective approval from Shepway local authority.

Q.

How much would my conveyancing searches cost?

A.

Folkestone searches ranges in cost, depending on the searches required by your lender. Conveyancing searches are paid out to a 3rd party.

Q.

If my family are buying a Folkestone house close to church grounds, do you need a chancel liability search?

A.

The outcome of a landmark case 10 years ago reaffirmed that 'lay impropriators' of property must subsidise church repairs. Following a change in the law, interest over any affected land in Folkestone must be registered by October 2013. This will make it easier to identify affected property through a chancel search. Ecclesiastical properties in the local area include Christ Church, St John the Baptist, St Saviour and St Mary & St Eanswythe.

Q.

Is there anything I can do to circumvent paying stamp duty to HM Revenue?

A.

Stamp Duty Land Tax is usually due on houses over £125,000. Stamp duty reduction scheme should be treated with extreme caution, as such schemes are often uneconomical and HMRC may challenge a scheme up to six years later.