How much is the council tax on a Thirties mid-terrace Band F dwelling in Heath Hayes?
You should be give detail your new property's council tax band with the conveyancing report on title.
Council tax rates for properties in Heath Hayes are set out on the Lichfield council website. At the time of writing on 12 October 2012 rates for all bands are:
- Band A - £972.00
- Band B - £1,134.00
- Band C - £1,296.00
- Band D - £1,459.00
- Band E - £1,783.00
- Band F - £2,107.00
- Band G - £2,431.00
- Band H - £2,917.00
Do I have to be present at viewings?
No, you don’t. It used to be the case that estate agencies were happy to leave the homeowner to show prospective buyers around. However, this has now been dispensed with because they won’t necessarily have the property skills and experience of dealing with and selling to a buyer. Therefore, the preference is usually that you should not be present in the home at all, although this can obviously be difficult with infirmity, working from home, and childcare.
The best option is to discuss this with the estate agent when you appoint them, so that you are aware of their expectations for each viewing, and they will be able to work around you if you have to be present in the home. Whether you are present or not, you should still take care not to be too messy and tidy up as much as possible prior to the viewing appointment, so that good impressions are maintained.
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What specific things do I need to look out for if I’m buying a house on the coast?
With worsening weather and floods now becoming increasingly commonplace, with the media remarking on it in depth, buying a property that has a likelihood of flooding is a difficult decision to make. Not only is there the issue of cleaning up if it does flood, but insurance premiums will be much higher (and perhaps even prohibitive).
For homes in coastal areas, there is also the problem of coastal erosion, where some properties have been seen to literally fall into the sea.
However, the good news is that picking a home in a coastal region doesn’t automatically mean that it’s going to be subject to flooding or that it’s eventually going to slip into the sea. The searches ordered by your conveyancing solicitor will identify the level of risk associated with the property and, based on this, your solicitor may recommend that you take out specialist reports (e.g. from Landmark or other organisations) to get a more in-depth description of the risks and options. These are in addition to the standard set and will be charged to you as a disbursement at cost.
Your surveyor will also be able to identify evidence of previous floods and other problems during their inspection and provide advice in their report. If the problems are considered sufficiently severe, the surveyor may also note the specifics for further investigation by your conveyancing solicitor.
Property environmental searches may be fine but with recent climactic events for example the extensive flooding last year in the Midlands are they the best way to advise me enough about the Heath Hayes flood risk?
An experienced Heath Hayes property lawyer will consider carry out thorough environmental searches if the standard search establishes a significant risk the local Heath Hayes flood risk
It could be worth trying to contact a neighbour or local resident to gain further peace of mind if still concerned.
What’s the difference between exchange of contracts and completion?
When you exchange contracts, this means that you are agreeing to all the terms drawn up within the contract made between you on one side of the transaction, and the opposite party on the other side. It is from this point that you are legally obliged to go through with the transaction (unless you want to be subject to financial and/or legal penalties).
The completion of contracts is the point where you officially take over ownership of the property, receive the keys and can move in. All monies are transferred between the various parties and the conveyancing solicitor contacts the Land Registry to register the change of ownership to you.
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What environmental concerns will contaminate land in Heath Hayes, and are they properly investigated?
Land in Heath Hayes is contaminated by many human activities, and factors including hazardous substances in the ground should be considered as part of the appropriate search.
Heath Hayes conveyancing solicitors conduct official conveyancing searches when they are instructed to act for a buyer - what specific searches?
If you are applying for a mortgage the mortgage lender will expect a solicitor to get at least the following for properties in Heath Hayes: Local Authority (personal or official), Drainage and Water Search (CON29DW or personal) and Environment Search and, depending on certain criteria, area-specific searches for example Official Search of Whole or Part without Priority (OS3).