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Transfer of Equity in Halifax

A transfer of equity occurs when a property owner wishes to change the legal ownership of the property. Reasons include marriage, divorce and tax planning.

Homeward Legal's solicitors offer expert legal assistance with your transfer of equity.

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Remortgage Solicitors Halifax

Homeward Legal's panel of solicitors carry out remortgage conveyancing for Halifax clients every week.

We strive to complete your remortgage legal work quickly, so that you benefit from your new mortgage deal as soon as possible.

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The Conveyancing
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Conveyancing in Halifax Q & A's

Profile photo of Lorraine Imhoff

By

Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 30/11/16

Commuting to the area? ;

As determined by the 2011 census, Halifax has a residential population of 160,378 spread over an area of 29,160 hectares (72,055 acres) meaning a residential population density 5.5 people per hectare (2.2 per acre).

Halifax's closest station is Halifax. The closest airport to Halifax is Leeds Bradford Airport.

The nearest hospital is Halifax, Calderdale Royal.

Q.

How do we find low cost conveyancing?

A.

The confusion over what is, and is not, included in a 'cheap' quote leaves many homeowners paying out more than they anticipated in the end, and many solicitors purport to offer supposedly cheap conveyancing, however additional fees are often hiding in the small print. This small print is often not read by homeowners in a hurry. Any disbursements should also be clearly stated on your conveyancing quote Any additional costs needs to be fair and only apply in cases where the solicitor must perform additional tasks , which could not be anticipated at the start of the process. Our online quote calculator will generate an accurate quote for your transaction.

Q.

What causes Halifax purchase conveyancing to have so many delays?

A.

The legal work required to buy or sell property can be held up by myriad unpredictable issues. Homeward Legal seek to curtail their cost by driving the transaction forward. Common delays include waiting for a mortgage offer.

Q.

If we are purchasing a flat on the same road as parish grounds in Halifax, is it advisable that I get a chancel search?

A.

Some owners in Halifax can be required to cover the cost of repairs to specific local church buildings. Following the Land Registration Act 2002, interest over any affected land in Halifax must be registered by October 2013. This will make it easier to identify affected property through a chancel search. Church properties in the area include St John the Evangelist, All Saints', Holy & Undivided Trinity and St Hilda.

Q.

Will we need a chancel search if we plan to purchase in the parish of Campsall, near Halifax?

A.

A solicitor responsible for your move could advise a chancel search. Through some Parochial Church Councils (PCCs) have chosen to charge chancel repairs on the owners of land subject to chancel liability, there is no way to be certain that a parish in which lay rectors have not been expected to pay chancel repair dues recently will continue to be unaffected.

Q.

How do I avoid gazumping?

A.

Gazumping describes circumstances where a seller accepts a low offer and then refuses it, opting for a second purchaser's offer. It could occur weeks into a purchase. The risk of gazumping exists for almost any purchase. You should instruct your conveyancing solicitor as soon as you can to reduce the chance of gazumping.

Q.

What steps can we take to get out of paying stamp duty in Halifax?

A.

Stamp Duty Land Tax (SDLT) is usually due on property purchases valued at over one hundred and twenty-five thousand pounds. Stamp duty scheme should be treated with extreme caution. These schemes are costly and HMRC may challenge a scheme up to six years later meaning that the full stamp duty amount, interest and additional fines will be imposed. There have been a small number of legal initiatives, such as relief for buyers in 'disadvantaged areas'.

Q.

How much is the council tax on a residential converted Band D property in Halifax?

A.

You will be given detail on your new home's band as part of the conveyancing report on title. Correct rates for residents of Halifax are set out in detail on the Calderdale local authority website. Currently on 05 August 2012 rates for all bands are:

  • Band A - £945.00
  • Band B - £1,102.00
  • Band C - £1,260.00
  • Band D - £1,417.00
  • Band E - £1,732.00
  • Band F - £2,047.00
  • Band G - £2,362.00
  • Band H - £2,835.00

Q.

Property conveyancing searches are compiled from past information and when you consider recent events for instance the serious flooding in York and across Yorkshire, are they in fact the ideal way t find out sufficient information about the Halifax flood risk?

A.

Property environmental searches applied for by the lawyer in Halifax should also include a more rigorous search (Landmark) if required.

It could be worth trying to converse with a neighbour to gain more insight.

 
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