What do I provide to the solicitor on my house sale?
The list of documents required is quite simple, but will be required at different stages of the process (but ideally any forms should be completed and returned on the day of receipt and preferably delivered by hand or email).
- Proof of id
- Title deeds (if you have them; they might be lodged with the solicitor who handled the purchase of the property you are selling, or the mortgage company)
- Fixtures and Fittings Form (TA10)
- Property Information Form (TA6) – information on boundaries, disputes and complaints with neighbours, notices and proposals, alterations and planning consents, building regulations, electricity and gas certificates, guarantees and warranties, insurance, environmental matters affecting the property, rights and informal arrangements, parking, other charges, services, connection to utilities and services, and transaction information
- Copies of documents referenced in the PIF
- Leasehold or shared freehold documents
- Management Information Pack
- Energy Performance Certificate
Providing all this documentation as quickly as possible, as well as responding to arising questions throughout the conveyancing within a couple of hours will help to speed the conclusion of your transaction up considerably.
Can I agree a sale price without involving an estate agent or solicitor?
This depends on whether you have signed up with an estate agent and what agreement is already in place. While it might seem unfair if you’ve found a buyer outside of the estate agency process and you’re expected to still pay the agent their fees on sale, you should be very careful about stepping outside the agreed terms and conditions since this is legally binding and you may face penalties as a result. Therefore, if you want to follow this course, it’s worth checking the details with a solicitor to ensure you’re following the letter of the law.
If you’re not with an agent, you can publicise your house details with a number of publications and online sites (some are free, others require a fee), but you’ll need to do all the legwork and administration. For a legal standpoint, you don’t need to appoint a solicitor to perform the conveyancing, but it would be an unwise option to pursue as you will probably have neither the training or experience in some its complexities, and you won’t have the protective indemnity insurance in the event of a problem arising with your work.
Is there a danger that our offer may be gazumped?
The custom of deciding to reject an offer which has been accepted when a better one is made by another buyer is called gazumping. Although being gazumped is less common in a declining market, there will always be a danger. Instructing your solicitor early to handle your transaction should help to reduce the likelihood of gazumping.
I am anxious about council tax charges on a Thirties end of terrace home in St Davids, how much are they?
As a rule a conveyancing report on title should contain the relevant Pembrokeshire council tax band.
Council tax charges for residents of St Davids are listed on the Pembrokeshire local authority website. As at (23 November 2012) rates are as follows:
- Band A - £629.73
- Band B - £734.69
- Band C - £839.64
- Band D - £944.60
- Band E - £1,154.51
- Band F - £1,364.42
- Band G - £1,574.33
- Band H - £1,889.20
Where can I go about ascertain whether the conservation area we are buying in is neglected?
Following a campaign, English Heritage have assembled information in relation to the condition (poor to good) of conservation areas in addition to the risk of deterioration.
Local conservation areas are set up by Pembrokeshire who preserve the state of the area including things like back illuminated signs, addition of hard standings to front and area development.
Are there any mortgage lenders with St Davids branches?
We are able to work with the vast majority of lenders. A number of mortgage specialists operate in St Davids, such as McNeilly Gary, 10 Pentle Dr, Pentlepoir, Saundersfoot, SA69 9BW, Mortgage Practice, 13 Dew St, Haverfordwest, SA61 1ST, and Phoenix Financial Services, 72 Bute St, Treorchy, CF42 6BD.