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Conveyancing in Westminster Q & A's

Profile photo of Lorraine Imhoff

By

Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 19/10/17

Westminster's nearest train station is Charing Cross and Westminster's nearest airport is London City Airport. Heathrow Terminals 1 2 3 Airport is 15 miles, London Heliport Airport is 4 miles, Heathrow Terminal 5 Airport is 16 miles, Gatwick South Terminal Airport is 25 miles, Gatwick North Terminal Airport is 25 miles, Heathrow Terminal 4 Airport is 15 miles, Northolt Jet Centre Airport is 13 miles, Elstree Airport is 14 miles and London Biggin Hill Airport is 14 miles away.

Motorists are well catered for with Westminster ideally situated with good major road access under 2m of the A40M.

Q.

Westminster area info

A.

Brixton London Windmill, London National Portrait Gallery Art Gallery and London The National Gallery Art Gallery are close to Westminster.

The nearest hospital to Westminster is St Thomas Lambeth.

Q.

What do you charge for the legal fees on a £782k property? We need to find a fixed rate conveyancing quote in Westminster.

A.

Various solicitors claim to offer cheap conveyancing quotes, but extra fees are often hiding in small print which unwary buyers fail to check. Any extra fees needs to be fair and clearly defined. They only be applied if your conveyancer is required to complete extra work in your interest, which could not be anticipated at the start of the process. Homeward Legal quotes offer a clear statement of your legal fees for a standard conveyancing transaction.

Q.

I am buying a church rectory in the parish of St Anne Soho. Will a chancel search be necessary?

A.

The solicitor may suggest that a chancel search be ordered, whichever parish in which the house being purchased is located. In Westminster's much older areas, chancel repair dues can be collected on owners of a house where Parochial Church Councils (PCCs) have previously chosen not to do so, so indemnity insurance may be advisable even if liability is unlikely.

Q.

How do I bypass paying stamp duty land tax?

A.

Stamp Duty Land Tax commonly must be paid on home purchases over £125,000. Stamp duty reduction must be treated with caution by purchasers in Westminster, as such schemes are costly and can be very unlikely to succeed.

Q.

We are intending to buy a sixties maisonette within a conservation area in Westminster, where does one find details on the state of repair?

A.

Following a campaign, English Heritage have assembled details of the condition (poor to good) of conservation areas as well as the risk of standards slipping.

Local conservation areas are created by the local authority (Westminster) who police everything from what can be developed to the halting of neon signs.

Q.

Is Homeward Legal experienced enough to 1 month completions on the conveyancing of property auction properties in Westminster?

A.

Our residential property lawyers do frequently do the legal conveyancing buyers and sellers at auction. Our auction team solicitors and conveyancers have worked for many vendors at national and local residential property auctions, for example Acuitus, Allsop (Commercial), Allsop (Residential), Auction House London, Award Property, Barnett Ross, Baxtons, Brendons Auctioneers, Countrywide Property Auctions and Drivers Norris.

Quite often hard to value homes for example barn conversions, are sold at property auctions which tend to necessitate more fact-finding. Homeward Legal therefore strongly advocate purchasers to decide on a conveyancing company well before the property auction for a title report of the auction legal papers.

Following the day of bidding you are the conveyancing solicitor will be focused on finish the legal work within 28 days as required by the standard auction conditions.

Q.

Which of the Westminster mortgage lender panels are you on?

A.

Most lenders in Westminster are on our solicitors' panels. Local mortgage lenders and brokers include R E F Capital, 1 Relton Mews, London, SW7 1ET, Property Funding Agency Ltd, 42 Brook St, London, W1K5DB, and West One Mortgages Ltd, Premier House/77 Oxford St, London, W1D 2ES.

Q.

Northern Rock will be our lender, what will we need to check?

A.

Recently, a number of lenders are now reducing their 'solicitor panel', resulting in increased legal costs for purchasers if their solicitor is unable to act both on their behalf, and for their lender. We can act for many mortgage lenders, keeping buyers' legal costs to a minimum.

Q.

Will a Westminster conveyancer carry out any searches on the London Victorian detached house I want to buy?

A.

When you are taking out a mortgage, your lender requires you to a solicitor to get at least the following Local Authority (personal or official), Drainage Search and Environmental, and, depending on certain criteria, specific searches, which may include a Official Search of whole without priority.