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Conveyancing in Southport Q & A's

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By

Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 09/10/17

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

By road: Southport is served by the A565 and A570. By rail: The nearest train station is Southport. By air: The three closest airports to Southport are Liverpool John Lennon Airport (30 miles), Blackpool Airport (33 miles), and Manchester Airport (45 miles).

Hospital: Southport and Formby District General, Town Lane Kew, Southport, PR8 6PN. Council: Sefton Metropolitan Borough Council (www.sefton.gov.uk).

Attractions: Southport Pier, Southport Zoo, New Pleasureland, British Lawnmower Museum, Southport Model Railway Village, and Hesketh Park.

Q.

Southport solicitors conduct official property searches when acting for a home-purchase client, but which ones?

When you apply to obtain a mortgage, a lender will expect a solicitor to get at least the following searches: Local Authority, Drainage and Water Search, and Environmental, and perhaps area-specific searches, like a Planning Search.

Q.

We are using a local mortgage lender in Merseyside, so which Southport lenders do you work with? And whose panels are your solicitors on?

Of the many lenders with local offices nearby Southport, we frequently work in conjunction with the majority of them. Lenders and mortgage specialists in Southport include:

  • Yorkshire Building Society, 15-17 London Street, Southport, PR9 0UF
  • Harrison Business Finance, 15 Hoghton Street, Southport, PR9 0NS
  • Southport Investment Bureau, 70 Sandon Road, Southport, PR8 4QD
Q.

We are purchasing a £531,000 detached house on the outskirts of Southport. What will be the stamp duty we have to pay on it?

The Stamp Duty Land Tax (SDLT) rate depends on a number of factors but principally on the price you bought your property for. If your building was purchased for under £125,000, you will not have to pay any stamp duty. In the example cited, the duty owed would be £16,550 on a property bought for £531,000. Note that the government’s budgeting and housing policies may change the rate or the trigger value. You might wish to use a stamp duty calculator like the one at www.stampdutycalculator.org.uk.

Q.

As a consequence of the serious flooding in September 2012 in Northwest England, will the flood searches be exacting enough for a property we are buying on the seafront at Southport?

Property environmental searches carried out by your property lawyer in Southport should include a far more informative search (e.g. Landmark) if the level of risk of flooding is deemed significant enough. If you are still concerned, you can contact a neighbour for more history of flooding in the area.

Q.

We have a requirement to complete on the sale of a home in Southport as soon as possible, but are you very fast conveyancing solicitors?

Quite often, property lawyers are extremely sluggish, thus adding further stress to the home-selling process. Home Legal’s solicitors’ approach is different as we have invested in leading-edge conveyancing systems that speed up the fact-finding tasks. Importantly, we allocate you a lawyer firm qualified to communicate end-to-end throughout the chain property chain. Use our quote calculator or call our waiting team of experts on 0800 038 6699 for a fixed-fee quote matched with our ‘No Move, No Fee’ guarantee.

Q.

What will the council tax charge be for a Sixties, Band G apartment in Southport?

Your appointed solicitor, as one of the common components of the conveyancing process, will contact the civic authority responsible for council tax (here Sefton Metropolitan Borough Council) to ascertain the precise band and the tax rates you will be required to pay. This information will be detailed in the report on title. For the 2016/2017 tax year, the rates were:

  • Band A - £1,070.57
  • Band B - £1,249.00
  • Band C - £1,427.43
  • Band D - £1,605.86
  • Band E - £1,962.72
  • Band F - £2,319.58
  • Band G - £2,676.43
  • Band H - £3,211.72

Retrieved 7 March 2017

Q.

Is contaminated land an issue for most homes in Southport?

Several contaminants may spoil land from current or historical agricultural or industrial use. Issues like sand or gravel pits, waste recycling, and other land contamination will be assessed in environmental search results, and included in your solicitor’s report on title.

Q.

For a speedy exchange and completion on the purchase of a £326,000 Southport property, what should we do to guarantee the acceleration of the transaction?

Key to an increase in the pace of the conveyancing transaction is to instruct a property lawyer as early as possible. When choosing a property lawyer, you should consider these questions:

  • Do they offer 'no move, no fee' protection? This can incentivise a faster transaction.
  • Do they offer 'instant' online quotes?
  • Are phone, fax and email their preferred methods of contact?

Homeward Legal offers this and more. To discuss your needs and to obtain your fixed-fee, ‘No Move, No Fee’-guaranteed quote, contact our team on 0800 038 6699.

Q.

In Southport, is topsoil remediation of contaminated land an option?

A.

Remediation of contaminated land may be possible, but costly. A Southport specialist for example Turfland, 330 Southport Rd, Southport, PR8 5LF can provide more details.

Q.

We are using a local lender in Merseyside, and need to know which Southport lenders you can work with. Whose panels are your solicitors on?

A.

Of lenders with local offices nearby Southport, we in conjunction with most. Lenders and mortgage specialists in Southport include Britannia, 20 London St, Southport, PR9 0UE, Harrison Business Finance, 15 Hoghton St, Southport, PR9 0NS, and Southport Investment Bureau, 70 Sandon Rd, Southport, PR8 4QD.

Q.

Do we need to get a Homebuyer Report for this house purchase?

A.

The Royal Institution of Chartered Surveyors strongly advise that the majority of buyers book a home surveyor to perform a survey if purchasing in Southport. Buyers should be aware that there are a wide range of defects which affect a property, for example roof damage.

Q.

What kind of local environmental searches as respects the uncertain risk of flooding in Merseyside will a property solicitor in Southport be able to conduct for a Fifties property I am wanting to buy?

A.

A conveyancer conducts formal conveyancing and environmental searches, which include Southport flood risk area data. Depending on the results, the solicitor in Southport could suggest a more in-depth local Southport area flood risk search.

Q.

For our lender, we have chosen the Co-operative Bank, what do I need to know?

A.

Until recently, solicitors could carry out mortgage-related work for most lenders. Buyers need to be aware that, recently, a number of lenders have decreased the number of firms on their approved panel. This can mean increased conveyancing costs for purchasers. Homeward Legal, fortunately, are able to act for most mortgage lenders.

Q.

In 1 month we are looking to be finally moving from our terraced building in Southport to a new dwelling in Sefton at what stage to book a house removal firm?

A.

The ideal way is for home movers to delay arranging removals until such time as both sides have firmed up an absolute move date that generally occurs once signing of contracts. If you are looking for a local company try Southport & Formby Ltd, 55 Hoghton St, Southport, PR9 0PG Telephone: 01704 501222 or McDowell Removals & Storage, Isle Of Wight/Stamford Rd, Southport, PR8 4EX on 01704 567411.

Q.

What will the council tax cost for a Sixties Band G apartment in Southport?

A.

The relevant band will frequently be detailed within the conveyancer's title report, as well as by the local authority. Council tax charges for Southport are detailed online at the Sefton council site. Currently, 18 August 2012, the rates are:

  • Band A - £997.00
  • Band B - £1,163.00
  • Band C - £1,329.00
  • Band D - £1,495.00
  • Band E - £1,827.00
  • Band F - £2,159.00
  • Band G - £2,491.00
  • Band H - £2,990.00