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Conveyancing in Romford Q & A's

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Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 26/07/17

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

By road: Romford is served by the M25, A12, A124, A125 and A127.

By rail: The nearest train station is Romford.

By air: Of the nearest airports to Romford, London City Airport is 11 miles, London Stansted Airport is 28 miles, Rochester Airport is 30 miles, Elstree Aerodrome is 31 miles and London Biggin Hill is 31 miles.

Hospital: Queen’s, Romford Valley Way, Romford, RM7 0AG. Council: Havering Council (www.havering.gov.uk).

Attractions: Romford Market, Lodge Farm Park, Romford Dog Stadium, Raphael Park, Brookside Theatre, and Havering Museum.

Q.

What will the overall charge be on the sale of a £639,000 property? We are trying to find low-cost conveyancing in Romford.

There are several seductive advertisements for high-street and online lawyers that state that they offer 'the cheapest conveyancing quotes'. Frequently, though, additional costs are hiding in small print and these are often not read by sellers and buyers who are likely to be in a hurry. Such extra charges need to be fair and clearly stated.

At Homeward Legal, we never hide any costs, and our quotes offer a clear statement of your legal fees for a standard conveyancing transaction. Try our quote calculator, or call our team of conveyancing experts on 0800 038 6699 to discuss your needs.

Q.

Environmental searches are focused on past information but, when you factor in recent events (for instance, the Met Office warning of more intense rainfall), are they thorough enough to check the flood-risk in the Romford area?

Because of the increased publicity about devastating floods all over the country, it is natural for you to be concerned as to whether your property is at severe risk or not. When you appoint your solicitor, among the first tasks to be carried out will be the ordering of a number of standard searches.

Within these, the environmental search will reveal any past flooding issues at your property and the surrounding area (e.g. whether it’s on a flood plain or not). If the result shows that the risk is significant, a more in-depth and inexpensive (about £20) search can be ordered.

Q.

If I read up on doing one’s own conveyancing when selling our Romford home, is it a realistic proposition to do it ourselves?

Technically, there is no argument as to why a home-seller like yourself shouldn't conduct your own conveyancing. In reality, however, a Romford conveyancer carries out a large number of tasks (e.g. chasing lender for comments on issues raised and maintaining constant communication with agents), many of which require a skilled and experienced professional. In addition, they are obligated to carry personal indemnity insurance to protect you, which you won’t have.

Q.

Are pre-completion searches disbursements or fees?

For some legal firms, it may not be clear if an itemised charge is a fee or a disbursement. The costs for searches are disbursements and not fees, and this expense is passed on to the buyer at cost.

At Homeward Legal, our straightforward approach to detailing the conveyancing quote makes the distinction completely clear. Call our skilled conveyancing team on 0800 038 6699 to arrange a fixed-fee quote, backed up by our ‘No Move, No Fee’ guarantee.

Q.

Do you work with many lenders with offices in Romford?

Of the large number of mortgage lenders and brokers with local offices in the proximity of Romford, Homeward Legal frequently works alongside the majority of them. Local lenders and brokers include:

  • Edward Charles James Financial Consultants, 2 Shaw Close, Hornchurch, RM11 1FB
  • Financial Aspects, 29 Tyrells Close, Upminster, RM14 2QA
  • Lloyds Bank PLC, 1-3 Market Place, Romford, RM1 3AA

Your conveyancing solicitor should be able to provide more information.

Q.

How long will it take our conveyancer to finish the legal process for a terraced home in Romford that we intend to buy?

Conveyancing, by experience, can be notoriously slow, with the time needed to complete everything being between one and three months. The duration is predicated on several issues which may affect the smoothness of the transaction (e.g. if a third party is slow to respond, or someone in the chain is waiting to confirm a mortgage application).

With the experienced solicitors at Homeward Legal, every purchase is handled as fast as possible, without compromising on service, using solicitors who are highly proactive. We aim to complete the conveyancing work within six weeks. Why not give us a call on 0800 038 6699 to find out more?

Q.

What will the council tax charge be for a period, Band H apartment in Romford?

The respective council tax band and the associated charge should, in most cases, be given in the conveyancing report on title along with the local council contact information. Up-to-date rates for residents of Romford are tabled on the Havering council website (refer to the public services information section at the top of these FAQs). The rates for each band for the 2016/2017 tax year are:

  • Band A - £771.82
  • Band B - £900.46
  • Band C - £1,029.09
  • Band D - £1,157.73
  • Band E - £1,415.00
  • Band F - £1,672.27
  • Band G - £1,929.55
  • Band H - £2,315.46

Retrieved on 22 February 2017

Q.

Is obtaining a landlord's consent to assignment of lease passed on at cost for a semi-detached property in Romford?

All fees and disbursements should be identified clearly on a conveyancing quote, with any possible extra costs clearly listed so that you know what your final legal bill will be. This cost mentioned in your question is a fee, not a disbursement. It should be clearly included in your quote. Contact Homeward Legal on 0800 038 6699 for your fixed-fee quote, or use our online quote calculator.

Q.

What causes the sale conveyancing process to take such a long time? Is it not simply form-filling?

A.

The legal work needed to sell or purchase a home may be lengthy. Homeward Legal do our best to reduce the cost of these delays, if it is possible to do so, by driving the transaction forward. There are numerous reasons for delay, such as waiting for a mortgage offer.

Q.

Which local authority looks after Romford?

A.

Romford is located in London Borough of Havering Council, Town Hall, Main Road, Romford, RM1 3BB, phone: 01708 434 343

Q.

Do you work with many lenders with offices in Romford?

A.

Of lenders with local offices proximate to Romford, Homeward Legal alongside most. Local mortgage lenders and brokers include James Edward Charles, 2 Shaw Cl, Hornchurch, RM11 1FB, Financial Aspects, 29 Tyrells Cl, Upminster, RM14 2QA, and Allerford House, 301-305 Ley St, Ilford, IG1 4BN. Your conveyancing solicitors should be able to provide more information.

Q.

When in the process do you need to instruct a conveyancing solicitor to handle our transaction?

A.

If you choose a conveyancing solicitor with 'no move, no fee' protection, the earlier in the process you can instruct a conveyancing solicitor, the better, as the legal work can start immediately. Early instruction of a solicitor for a sale allows paperwork can be prepared, even before a buyer is found, whereas if you are buying your offer may be taken more seriously if you already have a solicitor instructed.

Q.

What sort of inquiry in relation to the risk of local flooding at Essex will my property lawyer in Romford advise us on?

A.

A crucial step in the conveyancing protocol of buying a property involves your conveyancer conducting property conveyancing searches that give you certain details with respect to Romford flood risk.

Q.

If Romford contaminated property is found in an environmental search, can we have the soil inexpensively remediated?

A.

Remediation of contaminated land can often be possible, although it can be expensive. For more details, contact Top Soil & Turf, 2 Pinewood Rd, Havering-Atte-Bower, Romford, RM4 1PH.

Q.

What will the council tax cost for a period Band H apartment in Romford?

A.

The respective council tax band should in most cases be given within the conveyancing report on title along with the local council Up-to-date rates for residents of Romford are tabled on the Havering council website. As of 26 February 2013 rates are as follows:

  • Band A - £1,001.00
  • Band B - £1,168.00
  • Band C - £1,335.00
  • Band D - £1,502.00
  • Band E - £1,836.00
  • Band F - £2,169.00
  • Band G - £2,503.00
  • Band H - £3,004.00

 
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