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Conveyancing in Taunton Q & A's

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Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 15/10/17

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

By road: Taunton is served by the M5, A38 and A358. By rail: The nearest train station is Taunton. By air: Exeter Airport is 31 miles from Taunton.

Hospital: Musgrove Park, Parkfield Drive, Taunton, TA1 5DA. Council: Taunton Deane Borough Council (www.tauntondeane.gov.uk).

Attractions: Museum of Somerset, The Willows and Wetlands Centre, Taunton Castle, Vivary Park, Somerset Cricket Museum, and Hestercombe Gardens.

Q.

Being on a tight budget, we are looking for good quality conveyancing at the cheapest price. How do we get a discount conveyancing quote in Taunton?

You may have seen the tempting offers from law firms claiming that they provide 'the cheapest conveyancing quotes'. Many, though, are simply stating the fee without other costs and disbursements clearly stated. As such, this is an estimate and not a quote, which means you won’t be able to hold them to the stated offer. At Homeward Legal, we never hide any costs, and our quotes provide a clear statement of all your legal fees and disbursements 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.

Unforeseeable financial circumstances have forced us to push to exchange contracts on a freehold flat in Taunton within 28 days. Are the solicitors at Homeward Legal fast conveyancers?

You will have no doubt heard or experienced the snail-like pace at which many conveyancing transactions move. This is unpleasant, because moving house is recognised as one of the most stressful things a person can do, and slow conveyancing only serves to add to it. At Homeward Legal, though, we handle conveyancing differently from other firms. We use speed-focused technology and practice management systems, fully integrated with HMRC and the Land Registry and other bodies. We also assign customers a regulated property lawyer, who will always communicate with the whole buyer and seller chain (including landlords and estate agents), to achieve a fast exchange.

Q.

We are buying a former vicarage in the parish of Monkton Heathfield. Will a chancel search be compulsory?

The chancel search is used to identify the level of liability you may have for paying for repairs to church buildings. The Parochial Church Councils will have had to register their interest in receiving these monies, which makes the chancel search far simpler. If they have registered their interest but not previously passed on the bill to the then occupants of your vicarage, this is no indication that they will bypass you in the future. Even if liability is unlikely, indemnity insurance is a sensible precaution, and your conveyancing solicitor can provide more advice, as well as the options for suitable insurance.

Q.

How much will the charges for my conveyancing searches total for an end-of-terrace cottage in Taunton?

When you choose a Homeward Legal solicitor for your conveyancing, you will be required to pay no more than £249 for the standard search bundle. These disbursements are clearly laid out in our quote, so you know how much your final bill will be. Use our online quote calculator, or why not give our panel of conveyancing experts a call on 0800 038 6699 for a fixed-fee quote supported by our ‘No Move, No Fee’ guarantee.

Q.

We've been doing some research as we need a mortgage for the purchase of a property in Taunton. Of the main Taunton mortgage lenders, which ones are on your panel?

Taunton, like most large towns, has several mortgage lenders and brokers, the majority of which Homeward Legal regularly work with. This is advantageous to you, since we can assist in speeding through the mortgage application element of your move, and ensure that they do not pass on their legal costs to you. Local mortgage lenders and brokers include:

  • Grosvenor Financial Services, 52 High Street, Taunton, TA1 3PR
  • Cooper Associates Ltd., 40 St. James Buildings, St. James Street, Taunton, TA1 1JR
  • HQ Mortgage & Finance Ltd., Chartfield House, Castle Street, Taunton, TA1 4AS
Q.

I have read about the extensive flooding in Southwest England in recent years. Should I be concerned about the thoroughness of the conveyancing and environmental searches for my Taunton cottage purchase?

When you instruct your conveyancing solicitor, they will initiate a set of standard searches. The environmental search includes the assessment of the risk of flooding at your Taunton cottage and its environs. If the flood risk is deemed significant enough (e.g. the property was built on a flood plain), a more in-depth search can be requested. Property purchasers sometimes speak to a future neighbour for added assurance if they are still concerned about the level of risk. Or you could contact a local expert, such as:

  • Fire and Flood Damage, 27 Mount Nebo, Taunton, TA1 4HG
Q.

We are in the process of purchasing a four-bedroom house in Taunton for £675,950. How much stamp duty will we have to pay?

The Stamp Duty Land Tax (SDLT) rate depends on how much you buy your property for, and is triggered once the purchase price goes over £125,000. In the example you cite, the duty owed would be £23,798. 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.

I think our flat in the centre of Taunton is in Band C of the council tax, but how much will I be charged?

Part of the role of your assigned solicitor is to contact the civic authority responsible for setting the council tax rates each tax year (here Taunton and Deane Borough). This will confirm the precise band of your Taunton property and therefore the rate due on it (pro rata, depending on the time of year of the completion of your purchase). Your solicitor will then include the information in the report on title. For the 2016/2017 tax year, the bands and rates were:

  • Band A - £991.66
  • Band B - £1,156.94
  • Band C - £1,322.22
  • Band D - £1,487.48
  • Band E - £1,818.02
  • Band F - £2,148.58
  • Band G - £2,479.14
  • Band H - £2,974.96

Retrieved on 24 February 2017

Q.

We are buying a chapel in the parish of Wells St Cuthbert. Will a chancel search be compulsory?

A.

Whichever Taunton parish in which you are purchasing, a Taunton conveyancing solicitor may suggest a chancel search. In Taunton's much older areas, chancel repair has the potential to be charged on the owners of a home where Parochial Church Councils may have spared previous owners or tenants. Even if liability is unlikely, indemnity insurance is a sensible precaution.

Q.

I am bidding at a property auction and need guarantee fast conveyancing, what can we do to speed up the process?

A.

Contacting a proactive, diligent conveyancer is crucial to fast Taunton conveyancing. When identifying an appropriate a conveyancer, you should ask the following: Do they offer 'instant' online quotes? Do they use email as the preferred mode of communication? Do they order searches immediately?

Q.

Do I need to instruct the property lawyer who works with by our estate agent in Crediton?

A.

It is commonplace for estate agents to suggest a conveyancing firm. However, if the agent is paid a fee by the solicitor, the agent may prefer to suggest the firm which pays to the largest referral fee, not the best solicitor for your needs.

Q.

Unforeseeable financial circumstances dictate that we must to exchange contracts on the conveyancing process on a freehold flat within 28 days, are you a fast solicitor in Taunton ?

A.

On the whole property lawyers are very slow moving which usually adds even more uncertainty to the property conveyancing process.

The use of speed focused technology and practice management systems . We assign customers a regulated property lawyer who will always communicate with the whole buyer and seller chain like landlords, to achieve a fast exchange.

Q.

How much can charges for my conveyancing searches total?

A.

With a Homeward Legal solicitor, a purchase conveyancing client in Taunton required to pay no more than £249 for the standard search bundle.

Q.

Do you have fast solicitors that manage the conveyancing for residential property auction properties in Taunton?

A.

Our residential property lawyers often carry out work for auction buyers and sellers. Our panel of solicitors and licensed conveyancers have acted for countless buyers and sellers at local Taunton auctions that include Acuitus, Allsop (Commercial), Allsop (Residential), Auction House London, Award Property, Barnett Ross, Baxtons, Brendons Auctioneers, Countrywide Property Auctions and Drivers Norris.

Sensible buyers know to choose a lawyer as soon as they can to allow adequate time for a thorough review of the property's legal title prior to the auction day itself.

Immediately following the day of the auction a prepared property lawyer is focused on carry out the purchase legal work in 4 weeks as conventionally required by the terms of sale.

Q.

Which local authority is responsible for Taunton?

A.

Taunton is located in Taunton Deane Borough Council, The Deane House, Belvedere Road, Taunton, Somerset, TA1 1HE, Tel: 01823 356 356