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Conveyancing in Haverhill Q & A's

Profile photo of Lorraine Imhoff

By

Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 13/10/17

Commuting from Haverhill? ;

Haverhill's closest airport is Cambridge City Airport (14 miles). Elmsett Airport is 23 miles, and Stansted Airport is 16 miles away and Haverhill's closest station is Dullingham.

Saffron Walden, Ferguson Cl is a relatively close hospital.

Q.

How do I find the best rates for conveyancing in Haverhill for a £764,000 property?

A.

Both high-street and online law firms claim to offer cheap conveyancing quotes, however additional costs are often hiding in the terms and conditions. Busy, stressed homeowners ignore these terms at their peril. The disbursements to be paid ought to be defined on a Haverhill conveyancing quote. The Homeward Legal quote calculator will confirm the exact legal fees based on the property you are buying.

Q.

If I am intending to buy in the parish of Aspall, should we get a chancel search?

A.

The lawyer may suggest a chancel search. Although some Parochial Church Councils have opted to exact chancel repairs on the current owners of affected property, it cannot be guaranteed that a parish in which lay rectors have not been expected to pay chancel repair dues recently will continue to be free from liability. In the event that chancel liability may apply, your solicitor might recommend insurance rather than pulling out of the purchase.

Q.

Is an environmental search a disbursement or fee?

A.

Every disbursement and fee should be clearly stated on a conveyancing quote. This charge is a disbursement not a fee, meaning the solicitor passes on the charge at cost.

Q.

My mortgage lender will be Metro Bank - what do we need to be aware of?

A.

Recently, a number of lenders are now reducing the size of their 'solicitor panel'. For buyers, this can result in significantly increased legal costs. Homeward Legal are able to act on behalf of the vast majority of UK mortgage lenders to keep legal costs to a minimum.

Q.

May the costs for our conveyancing introduce any extra costs?

A.

No. Homeward Legal's solicitors do not hide any extra, hidden costs under any circumstances. Our quotes offer an single, accurate price.

Q.

Conveyancing solicitors in Haverhill order a variety of conveyancing searches when they are instructed to act for a buyer - what specific ones?

A.

If taking out a mortgage a mortgage lender requires you to at least specific searches, including the following for properties in Haverhill: Local Authority (personal or official), Drainage Search (Con29DW) and Environmental,, and possibly specific local Haverhill searches, which may include a Official Search of whole without priority.

Q.

Does the Haverhill property solicitor in form me about the cost of the council tax for a Band D apartment before completion?

A.

Your property's council tax band should, more often than not, be highlighted as part of the conveyancing report on title along with the local council. The correct rates for homes in Haverhill are detailed at the St Edmundsbury local authority website. Currently (29 August 2012) rates for all bands are:

  • Band A - £1,008.00
  • Band B - £1,176.00
  • Band C - £1,344.00
  • Band D - £1,512.00
  • Band E - £1,848.00
  • Band F - £2,184.00
  • Band G - £2,520.00
  • Band H - £3,024.00

Q.

Do we need a building survey?

A.

It is advised that most purchasers order a property survey. Buyers should be aware that there are a wide range of defects which have a negative impact on a property, including cavity wall tie failure and subsidence.