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Transfer of Equity in Herne Bay

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 Herne Bay

Homeward Legal's panel of solicitors carry out remortgage conveyancing for Herne Bay 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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Conveyancing in Herne Bay Q & A's

Profile photo of Lorraine Imhoff

By

Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 29/11/16

Commuting to the area? ;

The nearest station to Herne Bay is Herne Bay. Manston, Kent International Airport is 10 miles from Herne Bay. London Airport is 23 miles and Manston Airport is 11 miles away.

Queen Victoria Memorial Canterbury hospital is relatively close to Herne Bay.

Q.

How do I get the best rates for conveyancing for a £470,000 house?

A.

Numerous law firms claim to offer so-called cheap conveyancing. Unfortunately additional costs may be added into the small print that sellers and buyers often do not check. Costs needs to be fair and clearly defined. They only apply to matters if the lawyer must complete additional work for you, which could not be anticipated at the start of the process. Any disbursements to be paid should also be clearly stated on your quote

Q.

We have found an increasing number helpful resources all about by passing the solicitor. Do I need to spend money on a property lawyer in Herne Bay ?

A.

There is absolutely no argument why you cant apply this approach and conceivably complete the legal work without the help of a trained Herne Bay property solicitor. In reality however, a solicitor carries out a large array of actions e.g. approving completion statements and apportioning service charges most of which really need a qualified solicitor. Fundamentally have a go conveyancers do not have acceptable indemnity insurance which practicing solicitors are made responsible to pay for.

Q.

What type of local authority searches in relation to the risk of possible flooding around Kent will a solicitor in Herne Bay actually carry out?

A.

An essential part of the conveyancing protocol involves your conveyancing lawyer applying for environmental searches that go in specific information on the risk of flooding in Herne Bay. A significantly more detailed flood risk search, such as the Homecheck search, may be recommended by a qualified Herne Bay solicitor if in the event that the initial conveyancing searches show that there is a potential flood risk to the property.

Q.

Can we get out of paying stamp duty to HM Revenue?

A.

We do not recommend any stamp duty scheme. These schemes are costly and HMRC may challenge a scheme up to six years later and the total stamp duty tax may be payable, along with interest and penalties. There have been certain official schemes, such as higher thresholds for first-time buyers, and your solicitor will advise if these may apply.

Q.

Should we have a contingency plan for gazumping?

A.

This describes circumstances where a house seller acknowledges a purchaser's offer, then rejects it, choosing instead another buyer's offer. The chance of getting gazumped is present in any transaction. The first step in reducing the chance that gazumping will effect you is to instruct your property solicitor early, and even before acceptance of an offer.

Q.

How much is the council tax on a period mid-terrace Band F building in Herne Bay?

A.

You should be briefed about your new house's council tax band within the conveyancer's title report. The latest tax charges for homes in Herne Bay are set out at the Canterbury council site. On 17 March 2013 the different rates are:

  • Band A - £963.00
  • Band B - £1,124.00
  • Band C - £1,284.00
  • Band D - £1,445.00
  • Band E - £1,766.00
  • Band F - £2,087.00
  • Band G - £2,408.00
  • Band H - £2,889.00

Q.

Can you confirm which Herne Bay lenders you can work with. Whose panels are your solicitors on?

A.

We work beside many lenders approved by the Council of Mortgage Lenders. A number of mortgage specialists operate in Herne Bay, including Premier Financial Services Ltd, 115 High St, Herne Bay, CT6 5LA, Oyster Mortgage Services Ltd, 109 Mortimer St, Herne Bay, CT6 5ER, and W8 Financial Services, 214 Canterbury Rd, Herne Bay, CT6 5UB. The lawyer handling the work for your Herne Bay purchase or sale should be able to address any specific requests your lender may have.

Q.

Do we need to opt for the property solicitor used by my local agent?

A.

Your agent will be able to pressure a solicitors firm they refer a large number of clients to, and can therefore persuade a slow solicitor to work faster, however, these referrals must be carefully considered, as there is a risk that an agent may choose the conveyancer who pays out the highest referral fee, not the most appropriate choice.

 
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