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Transfer of Equity in Radyr

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 Radyr

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

Profile photo of Lorraine Imhoff

By

Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 04/12/16

Local key data:

Radyr's nearest station is Radyr. Cardiff Airport is 9 miles from Radyr.

Radyr is within 1m of the M4 Junction 32 Westbound.

The most convenient hospital is Whitchurch Cardiff.

Q.

How do we get the cheapest conveyancing solicitors in Radyr?

A.

Both high-street and online conveyancers promote 'the cheapest conveyancing quotes', however additional fees may be added into the terms of engagement. Any extra costs needs to be fair and reasonable. Your conveyancing quote should also state third party costs, termed disbursements, to be paid.We offer quotes, not estimates, and clearly state all legal fees you pay for a standard conveyancing transaction.

Q.

My local agent has put forward the property solicitor. Is it advisable to use this solicitor?

A.

If you opt for a solicitor referred this way, you may have the advantage of the agent being able to persuade a solicitor to wrap up the process as soon as possible. Such referrals must be carefully considered, as an agent may select whichever firm pays the most per referral, not a firm with local expertise and a solid reputation.

Q.

How is Stamp Duty Land Tax calculated?

A.

The SDLT you must pay is dependent on the value of the property. Stamp duty will be £57350 on a £1147000 Radyr property.*

*(Source - www.gov.uk, June 2012)

Q.

Should we get a chancel search if we plan to buy in the parish of Llantwit Major with Llysworney, near Radyr?

A.

Whichever Radyr parish you are buying in, a conveyancer may suggest a chancel search. In older areas of Radyr, chancel repair may be imposed on the owners

of a property where Parochial Church Councils (PCCs) have not imposed the same liability on the last owners, so indemnity insurance may be advisable even if liability is unlikely.

Q.

We are anxious about council tax amounts on a period terraced house in Radyr, what are they?

A.

In most cases the conveyancing report on title will provide the Cardiff council tax band.

Up-to-date charges for residents of Radyr are tabled at the Cardiff council website. At the time of writing on 02 March 2013 rates for all bands are:

  • Band A - £738.47
  • Band B - £861.55
  • Band C - £984.63
  • Band D - £1,107.71
  • Band E - £1,353.87
  • Band F - £1,600.03
  • Band G - £1,846.18
  • Band H - £2,215.42

Q.

How much will the cost of conveyancing searches total?

A.

Searches range in cost, subject to which searches have been ordered. Searches are paid to a third party, and are charged 'at cost'.

Q.

Doing your own conveyancing without the help of a Radyr conveyancer looks to be possible as a buyer of a house but would it really be shrewd ?

A.

There are no arguments why a buyer cant apply this approach and complete the legal and technical work without a skilled Radyr conveyancing solicitor. That said, a conveyancer is in charge of a significant number of skilled tasks e.g. checking contracts or identifying conservation area breaches many of which require adequate training. Above all have a go conveyancers do not have sufficient insurance cover which all lawyers are obliged to carry.

Q.

Do we need searches for chancel liability? I am buying a flat conversion in Radyr.

A.

Repair costs resulting from chancel liability can total hundreds of thousands of pounds. Following the Land Registration Act 2002, interest over any affected land must be registered by October 2013. This will make it easier to identify affected property through a chancel search. A conveyancing solicitor will be able to advise further.

 
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