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Transfer of Equity in Hoylake

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 Hoylake

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

Profile photo of Lorraine Imhoff

By

Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 22/01/17

Living in the area? ;

The closest airport to Hoylake is Liverpool John Lennon Airport. Howarden Airport is 18 miles away and the closest station to Hoylake is Hoylake, about 1 mile away.

Hoylake Cottage is a nearby hospital to Hoylake.

Q.

How can we ensure our cheap quote is fixed? I need to find discount conveyancing.

A.

Several solicitors advertise theoretically 'the cheapest conveyancing quotes', but additional charges may inflate the solicitor's invoice. Any additional fees included in your solicitor's terms should be fair and be applicable solely where the lawyer is required to perform tasks outside a normal transaction in your interest, which could not be anticipated at the start of the process. The Homeward Legal quote calculator will confirm the exact legal fees based on the property you are buying.

Q.

Do we need to plan for gazumping?

A.

This arises when a seller accepts an offer and later rejects it. Instead, they then go for another buyer's offer. The will be a risk of gazumping in any transaction, because offers are not binding until exchange of contracts. Instructing a proactive solicitor as soon as you can to handle your transaction should help to reduce the likelihood of gazumping.

Q.

We plan to complete on around 5th October. How is stamp duty assessed?

A.

The SDLT payable is dependent on the property's price. Stamp duty will be £1380 on a £138k home.*

*Correct as of 12/03/2013

Q.

Our mortgage lender will be Allied Irish Bank - what do we need to know?

Purchasers should consider that a small number of lenders have reduced their 'solicitor panel'. For buyers, this can result in significantly higher legal costs. Homeward Legal can act for many mortgage lenders, ensuring that an additional solicitor will not be required to act for your lender.

Q.

Which of the Hoylake mortgage lender panels are your solicitors on?

A.

Homeward Legal are able to work closely with many lenders. A number of mortgage specialists operate in Hoylake, such as Concept Mortgages, A/Hillborough House/35 Market St, Wirral, CH47 2BG, and J M Mortgages, Corner Ho/78 Meols Pde, Wirral, CH47 5AY. The solicitor managing the legal work for your move will be able to provide more information.

Q.

For a fast exchange and completion to buy a £390,000 house, what should we ensure to speed up the process?

A.

Primarily, finding a proactive solicitor is crucial to buying faster. There are several tasks you can also do to speed up your conveyancing, including, keeping in regular contact with the solicitor, quickly answering your solicitor's questions (by email if possible) and if you intend to get a house survey, doing so as early as you can.

Q.

We are buying a property where the seller appears to have installed dormer windows on the home in Hoylake which we think might break conservation area rules

A.

The property solicitor to see if the property is within a designated conservation area and whether any alterations have the appropriate consents from the local council.

Q.

Will the residential property's fixtures and fittings include items like shelving?

A.

Generally speaking, fixtures are fixed items, such as central heating systems to floors, walls and ceilings and fixtures are free-standing items, such as bookcases. This is regularly not considered, making agreement of a comprehensive list of included items so essential.

 
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