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Conveyancing in Loughton Q & A's

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By

Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 19/04/18

Local area transport information

Loughton's closest station is Chingford at 3 miles. The nearest airport to Loughton is London City Airport (11 miles s). Luton Airport is 25 miles, London Heliport Airport is 17 miles, Northolt Jet Centre Airport is 22 miles, Elstree Airport is 17 miles, London Biggin Hill Airport is 23 miles and Stansted Airport is 18 miles away.

Drivers are well served with Loughton being well placed with very convenient road access approximately 1.4 miles off the M11 Junction 5 Southbound.

Holly House Buckhurst Hill hospital is relatively close to Loughton.

Q.

How do I get low cost conveyancing in Loughton?

A.

Many online and high street law firms purport to offer theoretically cheap conveyancing quotes. Often extra charges may be added into the terms that unknowing buyers have not reviewed Homeward Legal quotes are not estimates, and offer a clear statement of your legal fees for a standard conveyancing transaction.

Q.

Which Loughton mortgage lenders do you work with?

A.

We are able to work with the vast majority of lenders approved by the Council of Mortgage Lenders. A number of mortgage specialists operate in Loughton, such as Traders & General Insurance Services Ltd, 38 Church Hill, Loughton, IG10 1LA.

Q.

How do we work out SDLT and how much will it be on a £670000 house?

A.

Stamp Duty in Loughton is calculated based on the valuation. Stamp duty will be £26800 on a £670000 house or flat.

Q.

How much time can I allow for conveyancing legal work require, in your opinion?

A.

The length of time needed to transact a home can vary. This is influenced by potentially many legal considerations. These could

include whether there is a mortgage. 8 to 12 weeks is the average for many firms, we however will, wherever feasible, work towards a six-week timescale.

Q.

Do your property lawyers look after the conveyancing for property auction properties in Loughton?

A.

Yes - Our company commonly work for bidders at auction. Conveyancers strongly advise buyers at auction to formally instruct their lawyer well before the actual auction to give enough time for a thorough review of the legal papers.

Following the property auction date your experienced lawyer is wholly focused on finishing all of the legal work inside 4 weeks as conventionally required .

Q.

What will the council tax cost for a Fifties Band E apartment in Loughton?

A.

Your relevant council tax band will usually be highlighted in the conveyancer's title report along with the governing local authority. The correct rates for Loughton are listed at the Epping Forest council site. At the time of writing (18 February 2013) the different rates are:

  • Band A - £998.00
  • Band B - £1,164.00
  • Band C - £1,330.00
  • Band D - £1,496.00
  • Band E - £1,829.00
  • Band F - £2,161.00
  • Band G - £2,494.00
  • Band H - £2,993.00

Q.

Our mortgage lender is HSBC Bank, is there anything we need to check?

A.

Some lenders have reduced their 'solicitor panel'. For buyers, this can result in significantly greater legal costs. We are able to act on behalf of most lenders so that the buyer will not have to pay your lender's legal costs.

Q.

Is it necessary to get a chancel search? I am purchasing a Loughton flat conversion on the same street as a vicarage.

A.

Property owners near to churches are expected to fund repairs, as a result of chancel repair liability. A chancel search is used to confirm whether such a liability exists. Your solicitor can provide more details. Loughton church properties include St Gabriel, St John the Baptist, St Mary the Virgin and St Michael & All Angels.