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Conveyancing in Harlow Q & A's

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Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 18/01/18

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

By road: Harlow is served by the M11, A414 and A1184. By rail: The nearest train station is Harlow Town. By air: There are eight airports that are reasonably accessible from Harlow: London Stansted Airport (15 miles), London City Airport (24), London Luton Airport (29), London Heliport (35), London Southend Airport (38), London Biggin Hill Airport (39), Cambridge Airport (41), and Rochester Airport (46).

Hospital: Princess Alexandra, Hamstel Road, Harlow, CM20 1QX. Council: Harlow (www.harlow.gov.uk).

Attractions: Pets’ Corner, Harlow Town Park, Harlow Greyhound Stadium, Harlow Museum, Parndon Wood Nature Reserve, and Gibberd Garden.

Q.

What is the explanation for why conveyancing takes so long?

The conveyancing process is not an easy one to predict, particularly if the property chain is a long one or if there are specific circumstances that require a lot of additional work (such as the need to draw up a will, or to establish the owner of a leasehold property). However, at Homeward Legal, we strive to lessen or eradicate the effects of these delays wherever possible, doing so by proactively handling all enquiries. Give our experts a call on 0800 038 6699 to get your free, fixed-fee quote reinforced by our ‘No Completion, No Fee’ guarantee.

Q.

The estate agent we are using in Chigwell has put forward the lawyer they generally use. Will it be easier to instruct them than to research other options?

It is not uncommon for estate agents to refer a law firm to you to handle your conveyancing. It is quite possible that in so doing, the estate agent can then exert some influence to ensure the solicitor maintains a fast pace through the conveyancing for an early completion. However, such referrals need to be weighed up against the alternatives, including other online or local firms, as the agent may prefer to suggest whichever firm pays the most per referral, and not the most appropriate choice for your needs.

Q.

In about six weeks, we are moving out of our house in Harlow to a bigger maisonette in Grays. When should we line up a removal company?

Homeward Legal would encourage home-sellers to delay booking a removals company until the exchange of contracts. To do so beforehand is risky as an absolute moving date will not have accepted by both parties. When it is time to allocate a removals firm, you could try:

  • Fosters Removals & Storage, Reeves Lane, Roydon, Harlow, CM19 5LE (Tel: 01279 792088)
  • Happy Moves Ltd., Unit 18, New Horizon Business Centre, Harlow, CM19 5FN
Q.

Which mortgage lenders in Harlow do you work with?

Of all the lenders with branches in and around Harlow, we regularly work with the vast majority, which means that we can protect you from them passing on their legal costs when arranging your mortgage. Harlow lenders and mortgage specialists include:

  • Lloyds Bank PLC, 25 East Gate, Harlow, CM20 1LD
  • Sapphire Mortgages, 76 Greenway Business Centre, Harlow, CM19 5QE
  • Genesis Financial Services, 3 High Street, Harlow, CM17 0DN
Q.

Is a retention fee a disbursement or a fee?

Each fee and disbursement should be identified on your quote. This cost is a fee not a disbursement and it should be incorporated with the fees in a quote. For Homeward Legal, given the fixed-fee quote we provide, this means that you won’t be expected to pay any more in fees. Try out our online quote calculator, or perhaps you would prefer to talk to one of our experts on 0800 038 6699.

Q.

For a fast completion on the purchase of a £481,000 home in Harlow, how can we speed things up?

Instructing a proactive, diligent lawyer like the ones at Homeward Legal, is critical to a speedier transaction. In addition to this, there are several tasks you can also do to increase the pace of your conveyancing, including:

  • organising your finances early, including arranging a mortgage
  • replying to your lawyer by phone, fax or email
  • keeping in regular contact with your lawyer
  • completing and returning forms as soon as you receive them
Q.

Which areas of Harlow are eligible for disadvantaged area relief?

The disadvantaged area relief scheme for stamp duty has now been discontinued. However, the government occasionally sets up new schemes to assist those purchasing a house, such as relief for first-time buyers. Your solicitor will be able to tell if any official schemes are in operation and whether you are eligible to take advantage of them.

Q.

The quote we got from you looks very reasonable, but will we be charged any additional fees later on?

Regrettably, hidden fees are relatively common in quotes from high-street and online lawyer firms. These ‘quotes’ are in fact estimates, to which they can’t be held, and your final bill may be much more than you anticipated when appointing them. At Homeward Legal, we never charge any additional fees. We make the distinction clear between solicitors’ fees, which are a fixed price with us, and disbursements, which are third party charges passed on to you at cost. To discuss your needs and to obtain your fixed-fee, ‘No Completion, No Fee’-guaranteed quote, contact our team on 0800 038 6699.

Q.

How is stamp duty rates calculated, and what should we pay on a £163000 home?

A.

SDLT is calculated based on the purchase price. Stamp duty will be £1630 on a £163000 property.*

*This information correct as of June 2012

Q.

Do you need a chancel liability search if we are buying a Harlow maisonette near a rectory?

A.

There are fifteen thousand ecclesiastical parishes across the country. Owners of property within some of these may be required to fund the repair of a local church. Owners who have bought property prior to 2003 may be totally unaware that a liability exists if a chancel search was not carried out. Harlow ecclesiastical properties include Latton, Mark Hall St Mary, Latton, Mark Hall St Mary, Tye Green St Stephen and Staple Tye St James with St Luke.

Q.

Which Harlow mortgage lenders do you work with?

A.

Of lenders with branches nearby Harlow, we with the vast majority. Harlow lenders and mortgage specialists include Lloyds TSB Bank PLC, 25 East Gate, Harlow, CM20 1LD, Metro, 13 South Rd, Harlow, CM20 2AP, and Genesis, 35 High St, Harlow, CM17 0DN.

Q.

Will the Harlow conveyancing solicitor apply for any property on the Essex Victorian semi-detached cottage I am intending to purchase?

A.

The common procedure is to get Local Authority (personal or official), Drainage Search (Con29DW) and Environmental, and possibly specific local Harlow searches, which may include a Official Search of whole without priority.

Q.

What is the explanation why conveyancing takes so long?

A.

The conveyancing process will occasionally take more time. We strive to diminish the effect of these delays wherever possible to do so by proactively handling all enquiries.

Q.

Swansea Building Society will be our lender - what do we need to consider?

A.

Buyers should know that some lenders have reduced the number of firms on their approved panel. For buyers, this can result in significantly increased conveyancing costs. Homeward Legal are able to act for the vast majority of CML-approved lenders so that you will not be required to pay legal fees for your lender's solicitor.

Q.

For a fast completion on the purchase of a £481,000 home, how can we speed things up?

A.

Instructing a proactive, diligent lawyer is key a fast transaction. Furthermore, there are several tasks you can also do to speed up your conveyancing, including, organising your finances, including arranging a mortgage, replying to your lawyer by phone, fax or email and keeping in regular contact with your lawyer.