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Conveyancing in Mold Q & A's

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By

Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 14/04/18

Transport and public service information if you’re buying or selling residential property in Mold -

By road: Mold is served by the A55, A494 and A541. By rail: The nearest train stations to Mold are Buckley, and Penyffordd. By air: Mold is closest to Hawarden Airport (9 miles), Liverpool John Lennon Airport (33 miles), and Manchester Airport (43 miles).

Hospital: Mold Community, Ash Grove, Mold, CH7 1XG. Council: Flintshire County (www.flintshire.gov.uk).

Attractions: Moel Faman, Mold Castle, Nercwys Forest, Hafod Park, Loggerheads Country Park, and North East Wales Wild Life.

Q.

I have requested a quote from you for my move to Mold, but will there be any hidden charges?

Our solicitors never hide any extra fees. A Homeward Legal quote is a single, accurate fee that is fixed for your conveyancing requirements. Very occasionally, additional legal work might be required (such as drawing up a will), but your solicitor will keep you apprised of such eventualities and what you will be charged, so that, with Homeward Legal, you are always in charge of your legal bill. For the best and clearest quote, why not try our quote calculator? Or, if you want to talk to someone, you could call our expert team on 0800 038 6699.

Q.

If we are buying in the parish of Mold, do we need a chancel search?

The conveyancing solicitor is likely to recommend that a chancel search be ordered. Although some Parochial Church Councils have taken the decision to recharge chancel repairs on the current owners of lay rectorships, there is no way to be certain that a parish, which has not imposed liability to date, will continue to be unaffected. If the chancel search is performed, and the risk of liability is significant, your solicitor can advise on the next steps, including taking out an inexpensive indemnity insurance policy.

Q.

What factors will contaminate land in Mold, and should they be an issue, if we want to buy a house there?

Mold property could be contaminated by several environmental concerns, like shallow mining, or the proximity to phone masts or pylons. An environmental search can provide much more clarity on these issues and contaminants in the soil and your solicitor will highlight the details in the report on title. Brookhill Landfill Site, Brookhill Way, Flintshire, CH7 3PL is a source of potential local contamination in Mold.

Q.

I am worried about council tax charges on a Forties, mid-terrace house in Mold, so what are they?

The conveyancing report on title will give details of the Flintshire council tax band into which your property falls. Council tax rates for homes in Mold are published online at the Flintshire council website (see the head of these FAQs for a link to the homepage). For the 2017/2018 tax year, the council tax rates for Mold were:

  • Band A - £941.46
  • • Band B - £1,098.37 • Band C - £1,255.28 • Band D - £1,412.19 • Band E - £1,726.02 • Band F - £2,039.83 • Band G - £2,353.65 • Band H - £2,824.38 • Band I - £3,295.11

Retrieved on 27 March 2017

Q.

I am hopefully going to sell our jointly-owned house in Mold at a Flintshire auction, but does your firm have any fast conveyancing solicitors and property auction specialists?

Our property lawyers adopt a rigorous and active approach to completing the conveyancing for sellers. Homeward Legal only ever work with conveyancing solicitors who exert pressure from the start to the end of the buyer and seller property chain. In addition, the lawyers in our network are specifically chosen because they use the best conveyancing case management and IT systems to exchange on the sale with minimal stress. Try our quote calculator, or, if you prefer to talk to someone, call our conveyancing experts on 0800 038 6699 for your fixed-fee quote.

Q.

How will my solicitor investigate the risk and history of floods around Mold?

A crucial part of the conveyancing protocol involves your conveyancing lawyer conducting property environmental searches. These will provide you with data regarding the flood-risk in Mold. If the level of risk is significantly high, your solicitor might recommend carrying out an additional, more in-depth flood search. This is a disbursement, costing around £20, and will be passed on to you at cost.

Q.

How do we calculate the Stamp Duty Land Tax in Mold for a £807,000 property?

The Stamp Duty Land Tax (SDLT) payable is dependent largely on the property's value, if it is more than £125,000. On a £807,000 house, the stamp duty will be £30,350. Note that the government may increase or decrease the trigger point for SDLT, or change the parameters regulating the amount to be charged to you. You might want to use an online calculator like the one at www.stampdutycalculator.org.uk.

Q.

Do you work with mortgage lenders with offices in Mold?

Most lenders in Mold are on our solicitors' panel, which means we can represent their legal requirements with respect to setting up your mortgage, so that you won’t have that extra cost passed on to you. Mold lenders and mortgage specialists include:

  • Principality Building Society, 39 High Street, Mold, CH7 1BQ
  • The Remortgage Centre, 3a Chester Street, Mold, CH7 1EG
  • Santander Bank, 31 High Street, Mold, CH7 1BQ
Q.

Is gazumping usual in Mold?

A.

Gazumping occurs when an offer is accepted but then rejected by the property seller and then selecting a second buyer's offer. The risk of gazumping is present in any transaction. To reduce the likelihood of being gazumped, consider instructing your conveyancing solicitor early, and even before acceptance of an offer.

Q.

How does my Mold solicitor investigate the risk and history of floods around Mold?

A.

A crucial part of the conveyancing protocol involves your conveyancing lawyer conducting property environmental searches that provide you with information on the subject of Mold flood risk.

Q.

I am worried about council tax charges on a Forties mid-terrace house in Mold, what are they?

A.

More often than not the conveyancing report on title will give the Flintshire council tax band. Council tax rates for homes in Mold are published online at the Flintshire council website. On (08/07/2012) band rates are:

  • Band A - £789.25
  • Band B - £920.79
  • Band C - £1,052.33
  • Band D - £1,183.87
  • Band E - £1,446.95
  • Band F - £1,710.03
  • Band G - £1,973.12
  • Band H - £2,367.74

Q.

I am hopefully going to sell our jointly owned property at a Flintshire property auction, does your firm any property auction specialist fast Mold conveyancing solicitors ?

A.

We believe that our property lawyers by default adopt a active approach to completing the conveyancing for sellers

Homeward Legal only ever work with conveyancing solicitors who attempt to exert pressure from the start to the end of the buyer and seller property chain .

In addition , our network of lawyers are specifically chosen as they use the best conveyancing case management and IT systems to exchange on the sale with minimal stress.

Q.

What length of time can the legal work to purchase property take? We need to move quickly.

A.

On average, the length of time taken to transfer a residence will vary. This is according to a range of issues which can include if it is a leasehold property being transferred. Homeward Legal solicitors ensure your sale or purchase receives fast and efficient service.

Q.

What factors will contaminate land in Mold, and should they be an issue?

A.

Mold property would be contaminated by several environmental concerns, like shallow mining or masts or pylons. An environmental search can provide much more clarity. Brookhill Landfill Site, Brookhill Way, Flintshire, CH7 3PL is a source of potential local contamination in Mold.

Q.

Might it be a smart move to take care of the legal conveyancing process ourselves.

A.

Technically speaking there are no reasons why a seller cannot handle the bulk of the legal process yourself. However, a solicitor typically handles a significant number of roles from ranging from chasing missing documents and interpreting management accounts some of which require experience. Moreover solicitors practices are under a duty to take out the applicable insurance to insulate you from any professional omissions.