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Conveyancing in Plymstock Q & A's

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By

Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 22/04/17

Plymstock attractions and landmarks

Saltram National Trust Plymouth National Marine Aquarium Aquarium and Royal Citadel English Heritage are close at hand to Plymstock.

Plymstock's closest train station is Plymouth. Plymstock's closest airport is Plymouth City Airport (4 miles).

The closest hospital to Plymstock is Mount Gould Plymouth.

Q.

We need to find a low cost conveyancing estimate. What should be watch out for?

A.

Both high-street and online solicitors advertise theoretically 'the cheapest conveyancing quotes'. Often extra charges are frequently hidden in small print. Excited homeowners, eager to get underway, often ignore this small print when they instruct. A quote for conveyancing in Plymstock must also state any disbursements to be paid. Costs found in your solicitor's terms should be reasonable. Our online quote calculator will generate an accurate quote for your transaction.

Q.

Myself and my partner are planning to buy in Plymstock. How can we find out if the house is in a conservation area?

A.

The areas in or near Plymstock include numerous conservation areas. The conveyancing solicitor handling your purchase should be able to advise further and confirm potential liability for unauthorised works.

Q.

Lloyds TSB is our mortgage lender, is there anything we need to know?

A.

Some lenders have opted to reduce the size of their 'solicitor panel'. For purchasers, this can result in significantly increased conveyancing costs. Homeward Legal, however, can act for most lenders to keep legal costs to a minimum.

Q.

As a consequence of the flooding in Sept 2012 in South West England we are wondering if environmental searches may not be exacting enough?

A.

The Plymstock property lawyer will also get flood searches if the initial searches spots a Plymstock area flood risk

It may be sensible to contact a local resident for additional further local history.

Q.

Should we order a chancel search if I am intending to buy in the parish of Brixham, near Plymstock?

A.

The conveyancing solicitor could recommend a chancel search, whichever parish where the building being bought is found. Through some parish councils have opted to charge chancel repairs on the current owners of lay rectorships, there is no way to be certain that a parish which has not imposed liability will remain liability-free for new owners. For property in the parish of Brixham, it is not safe to rely on the historical behaviour of the parish council alone as a guide.

Q.

How can we determine Stamp Duty Land Tax, how much do we need to budget for a £1168000 house?

A.

The Stamp Duty Land Tax that is payable will depend on several factors, including the value of the property, and whether it is in a 'disadvantaged area'. On a £1168000 property, stamp duty will be £58400.*

*Correct as of August 2012

Q.

Will we need to get a chancel search? I am purchasing a Plymstock home on the same street as a church constructed around the 1600s.

A.

The judgement in a landmark case in 2003 confirmed that chancel repair liability could be enforced. Following a change in the law, interest over any affected land must be registered by October 2013. This will make it easier to identify affected property through a chancel search. Your conveyancing solicitor will suggest an appropriate indemnity policy to address chancel liability. Plymstock ecclesiastical properties include St Mary and All Saints.

Q.

How do we hold off paying out for SDLT?

A.

Stamp Duty Land Tax must be paid for property purchases over one hundred and twenty-five thousand pounds. Stamp duty mitigation scheme should be treated with extreme caution in Plymstock, as such schemes are often uneconomical and very risky.

 
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