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Conveyancing in Oldbury Q & A's

Profile photo of Lorraine Imhoff

By

Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 16/10/17

Local key data:

Wolverhampton Business Airport Airport is 10 miles from Oldbury. Birmingham Airport is 13 miles, Coventry Airport is 25 miles and away. The closest train station to Oldbury is Sandwell and Dudley.

Oldbury is close at under 1m of the M5 junction entry 2 Northbound.

The nearest hospital for Oldbury is Edward Street West Bromwich.

Q.

How do I get the best conveyancing rates in Oldbury for a £258,000 residence?

A.

Various firms promote supposedly 'the cheapest conveyancing quotes'. Unfortunately additional costs are frequently hidden in the terms of engagement. These terms are often ignored by excited buyers, eager to get underway. The disbursements to be paid should be included on a Oldbury conveyancing quote Any extra fees listed in terms of engagement ought to be fair. Our quotes offer a clear statement of your solicitors fees for a standard purchase or sale.

Q.

I am buying a rectory in the parish of Barton in Fabis. Will a chancel search be required?

A.

The Oldbury conveyancing solicitor could advise that a chancel search is taken out, whichever parish where the building being bought is found. Chancel repair can be imposed on new owners of a building where church councils may have spared previous owners or tenants. Even if liability is unlikely, indemnity insurance is a sensible precaution.

Q.

How can we determine stamp duty and what will we need to pay on a £283000 property?

A.

SDLT will depend on the purchase price. It will be £8490 on a £283000 house.

Q.

We are buying a 1940s house in a designated conservation area in Oldbury, where can I lay my hands on more details in regards to the standard of repair?

A.

Local Oldbury conservation areas are created by the local authority (Sandwell) who preside over things like street furniture to the prevention of poorly maintained pavements.

English Heritage, a government body, maintain a detailed list of the state of repair of conservation areas as well as the vulnerability.

Q.

If you are purchasing in Oldbury on the same street as a 1600s church, is it recommended that we get a chancel search?

A.

The outcome of Aston Cantlow (PCC) v Wallbank in 2003 confirmed that chancel repair liability could be enforced. A chancel search is used to check that such a liability exists. The solicitor acting on your behalf will confirm that a chancel search is appropriate. Oldbury church properties include Christ Church, St Nicholas and St Paul & St Barnabas.

Q.

We have found a buyer and have a quote from you. Could we have to pay any extra charges?

A.

No. Our solicitors never charge any extra, hidden costs to transfer a property. Be aware that some conveyancers give 'quotes' which are in fact estimates. The final bill you receive may be much more.

Q.

Virgin is our lender, is there anything I need to know?

A.

Traditionally, solicitors could carry out mortgage-related work for most lenders. Over the last two years, some lenders are now limiting the firms who can act for them, potentially creating increased conveyancing costs for home buyers. Homeward Legal will act on behalf of the majority of mortgage lenders so that the buyer will not have to pay any additional legal fees to your lender's solicitor.

Q.

Would it be foolish to carry out the conveyancing on a DIY basis on our own.

A.

Technically there are no reasons why a buyer cannot conduct bulk of the your own conveyancing unaided. The truth is however that a conveyancing solicitor is in charge of a significant number of roles from e.g. understanding the practical side of the process or interpreting management accounts many of which are better done by someone with adequate training.