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Transfer of Equity in Norwich

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 Norwich

Homeward Legal's panel of solicitors carry out remortgage conveyancing for Norwich 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 Norwich Q & A's

Profile photo of Lorraine Imhoff

By

Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 16/01/17

Norwich general information:

As compiled by the UK census for Norwich the usual residential population is 722, 087 covering a rough area of 326, 645 hectares (807, 155 acres) which gives a low-density population of just 2.2 people per hectare (0.9 per acre).

The most convenient train station for Norwich is just called ‘Norwich’.

For holidays or domestic flights, Norwich's closest airport is called Norwich International Airport, located just under 4 miles from the city.

Norwich’s main hospital is the Norfolk and Norwich University Hospital, where you’ll find a comprehensive A&E unit.

Q.

Norwich area information

A.

Norwich Castle Castle and Norwich St John Maddermarket Churches Conservation Trust are situated in Norwich.

The closest hospital to Norwich is Colman Norwich.

Q.

How do we get the best rates for conveyancing in Norwich for a £344k property?

A.

The confusion over this point catches out many homeowners and can leave them paying far more in fees than they budgeted and many conveyancers promote theoretically 'the cheapest conveyancing quotes'. Unfortunately extra costs may inflate your solicitor's invoice. Extra costs included in terms and conditions should be reasonable and only be applied if your lawyer must complete work beyond standard conveyancing which could not be anticipated at the start of the process. The online quote calculator can generate an accurate statement of the legal fees for the property you plan to buy.

Q.

There is a lot of free information online about handling the legal work as a homebuyer. Could I not do all of the conveyancing myself?

A.

Legally speaking, there is no reason why you couldn’t complete the conveyancing work yourself.

However, the truth is that a conveyancer in Norwich carries out a huge number of complicated tasks ranging from checking redemption statements to checking for any restrictive covenants, some of which will require a qualified professional due to their complicated and confusing nature.

Doing your conveyancing yourself comes with a great deal of risk, as you are liable should any mistakes occur. A solicitor will have special indemnity insurance to cover you all if this happens, and of course a great deal more experience to avoid the mistakes in the first place!

Q.

Is a home in Bowthorpe Norwich eligible for Stamp Duty relief?

A.

As of the 2013/14 tax year, Stamp Duty relief for disadvantaged areas will no longer be available. Any property over £125,000 will have payments due.

Q.

If you are buying a property near priory grounds in Norwich, will you need a Chancel Search?

A.

Property owners near to local churches may be required to cover the cost of repairs, this sometimes hits the hundred thousand pound mark, so you’ll want to find out if this is the case in advance. This is referred to as chancel repair liability.

A Chancel Search checks that such a liability exists, but it is more common in some parts of the country. The solicitor acting on your behalf will be able to advise as to whether a Chancel Search is necessary, it usually is. Church of England properties in this area where chancel liability may apply include St Luke's, Heigham St Thomas, Old Lakenham Community Centre and St Peter, Mancroft.

Q.

How is contaminated land in Norwich investigated?

A.

Land in Norwich could be contaminated by a range of factors caused by man and by nature, and issues like sand or gravel pits, or other sources of contaminated land will be detailed in an appropriate Environmental Search.

Q.

Property solicitors in Norwich order some conveyancing searches when they are instructed to act for a purchaser, what actual searches?

A.

When getting a mortgage, your lender insist that at least specific searches, including these searches - Local Authority Search, Drainage and Water Search (CON29DW or personal) and Environment Search,, and possibly less common searches for example Chancel Repair Liability Search.

Q.

First Active is going to be our mortgage lender, what do I need to check?

A.

Some lenders have opted to reduce the size of their 'solicitor panel', potentially creating greater conveyancing costs for buyers. Homeward Legal, however, can act on behalf of the majority of lenders to ensure that you will not need to pay any additional legal fees to your lender's solicitor.

Q.

In 1 month we are likely to move from our terraced house on the outskirts of Norwich to a new home in North Walsham . At what point to appoint a removal company?

A.

Your solicitor would usually encourage you put off until such time as exchange of contracts as beforehand typically an absolute home moving date will not have been confirmed.

Local home mover companies include Loads 4 Less, 1 Broadsman Cl, Norwich, NR1 1WY Call: 01603 661180 or Constitution Carriers, 49 Constitution Hill, Norwich, NR3 4HA Telephone: 01603 413549.

 
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