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Conveyancing in Harwich Q & A's

Profile photo of Lorraine Imhoff

By

Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 13/10/17

Harwich attractions and landmarks

Ramsey Essex Windmill and Felixstowe Landguard Fort English Heritage are in Harwich.

The nearest airport to Harwich is Clacton, West Rd Airport. Clacton Airport is 12 miles and Elmsett Airport is 16 miles away. Harwich International station is about a mile from Harwich.

The neighbouring hospital for Harwich is Harwich.

Q.

There are lots of 'cheap' offers, but how do we find a good one? I am trying to find low cost conveyancing in Harwich.

A.

Various conveyancers purport to offer supposedly cheap conveyancing, however additional charges are often hiding in the solicitor's terms which home owners may have not read carefully Any charges needs to be reasonable and clear. They come into force only if the solicitor is required to complete extra work , which could not be anticipated at the start of the process. Our quotes clearly state the solicitors' fees for a standard conveyancing transaction.

Q.

What causes Harwich sale conveyancing to require so much time and effort?

A.

The conveyancing process may be delayed even where there is no chain. Some delays are unhappily out of your solicitor's hands. We work hard to minimise the cost of these delays where feasible by driving the sale or purchase forward. Common delays may include difficulties with mortgage finance.

Q.

Having read about the Met Office projecting more intense rainfall we are anxious that flood searches aren't thorough enough?

A.

Conveyancing searches applied for by your lawyer in Harwich should include a far more detailed search (Landmark) if required.

If you are still nervous why not make enquiries with a local resident or nearby Essex flood damage business, such as: Concept Building Solutions, Flat 23 Quayside Court/The Quay, Harwich, CO12 3HH Tel: 0800-037 0026.

Q.

How do you determine Stamp Duty Land Tax rates and what should we budget for a £836000 property?

A.

The Stamp Duty that will be due will rely on a small number of factors, most importantly the purchase price. On a £836000 house or flat, stamp duty will be £33440.

Q.

Is a property survey required when we are buying a property in Harwich?

A.

It is strongly recommended that Harwich property purchasers instruct a RICS surveyor to perform a survey. There can be many defects that will impact a property. These can include ground movement or cracks in walls, and issues such as these are not likely to be investigated as part of the conveyancing itself.

Q.

When do I need to instruct a conveyancing solicitor to act on our purchase?

A.

The straightforward answer is, as soon as possible. The legal work can then commence immediately. A number of sources advocate postponing instruction until an offer has been firmly agreed, but delays can risk the other side pulling out, particularly in uncertain market conditions.

Q.

Are there many lenders with Harwich branches?

A.

Of lenders with branches nearby Harwich, Homeward Legal work in conjunction with most. Local mortgage lenders and brokers include Mortgage Extra, Church St, Coggeshall, Colchester, CO6 1TX, Financial Solutions Partnership Ltd, Lawley House/Butt Rd, Colchester, CO3 3DG, and Mortgage 321, Lodge La, Langham, Colchester, CO4 5NE. The lawyer whom you have instructed can confirm additional costs or hurdles associated with your chosen lender.

Q.

Should we get a chancel search if I plan to buy in the parish of Ashdon, near Harwich?

A.

Whether you are buying a property in Harwich or elsewhere in the county, the lawyer could advise that a chancel search be ordered. In Harwich's much older areas, chancel repair may be imposed on new owners of a property where Parochial Church Councils have previously chosen not to do so.