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Conveyancing in Totland Q & A's

Profile photo of Lorraine Imhoff

By

Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 16/01/18

Totland attractions and landmarks

The Needles Old Battery National Trust , Needles Lighthouse, Hurst Castle English Heritage and Norton IOW Fort Victoria Marine Aquarium Aquarium are near to Totland.

Totland's nearest airport is Bournemouth International Airport. Southampton Airport is 21 mile s, Bembridge IoW Airport is 20 miles, Sandown IoW Airport is 16 miles and away and Lymington Pier station is almost 6 miles from Totland.

The closest hospital to Totland is Milford War Memorial.

Q.

What do you charge for the legal fees on a 436,000 home? We need low cost conveyancing in Totland.

A.

Many law firms offer theoretically 'the cheapest conveyancing quotes', but additional costs may be added into the solicitor's terms of engagement. Any disbursements should also be included on a conveyancing quote Additional fees which are listed in the small print ought to be reasonable and clear. The online quote calculator can generate an accurate statement of the legal fees for the property you plan to buy.

Q.

Are there any mortgage lenders with Totland offices?

A.

The Homeward Legal partnership can work in conjunction with most lenders registered with the Council of Mortgage Lenders. A number of mortgage specialists operate in Totland, including Mortgage Force, 11 The Brambles, Apse Heath, Sandown, PO36 0PX, Mortgage In Mind, 19 Bankview, Lymington, SO41 8YG, and Independent Mortgage Solutions, Newington Court/Emsworth Rd, Lymington, SO41 9AW. The lawyer handling the work for your Totland purchase or sale can state specific lenders' requirements.

Q.

Would you advise that we get a chancel liability search? We are purchasing a Totland house on the same street as priory land.

A.

In Totland, some owners can be required to fund upkeep of a medieval church. Liability has the potential to impact the value of a property, but insurance is available should an obligation to fund repairs be enforced.

Q.

In respect to the Met Office warn of more intense rain - 15-30% (according to climate change risk in 2012) we are wondering whether conveyancing searches aren't thorough enough?

A.

Flood risk searches carried out by your conveyancing solicitor in Totland should also include the more informative flood search if the risk is deemed significant.

If you are anxious why not contact a local resident.

Q.

Is there a risk that our purchase will be gazumped?

A.

Gazumping happens when a seller accepts an offer and later rejects it. Instead, they then go for a better offer. Gazumping could occur days before contracts are due to be exchanged. The danger of gazumping exists for almost any purchase. The first step in reducing the chance that gazumping will effect you is to instruct a proactive solicitor as soon as possible.

Q.

Barclays Bank is going to be our mortgage lender - is there anything I need to check?

A.

House buyers should be aware that some lenders are now reducing their 'solicitor panel', resulting in higher legal costs for house purchasers if the lender insists upon their own conveyancing solicitor . Homeward Legal will act for all major UK mortgage lenders.

Q.

What will a Totland property solicitor do if the building we hope to invest in is within a registered conservation area and has ill-suited removal of chimney stacks installed?

A.

Your property lawyer will verify whether your new home is inside a conservation area, and if so whether any modifications have the essential permission from the Isle of Wight authority.

Q.

To complete on our property purchase ASAP, how do we get a fast conveyancing transaction?

A.

As is widely reported, finding a communicative solicitor is key a fast transaction. When finding a suitable a solicitor, you should ask yourself the following: Did you experience any delays when requesting a quote? Do they use email? Are they 'no move, no fee'? This can incentivise a faster transaction.