Conveyancing In Yorkshire and the Humber Q & A's
When my partner and I are buying in Yorkshire and the Humber, will I need a chancel search?
Some owners in Yorkshire and the Humber can be required to cover the cost of maintenance of nearby church land. Following a change in the law, interest over any affected land must be registered by October 2013. The solicitor carrying out the legal work for your move will confirm that a chancel search is appropriate.
When should I book a removals firm?
It’s very tempting to get wrapped in the excitement of moving home and wanting to get everything sorted out and in the diary. But, if you book a removals firm too early, prior to the exchange of contracts (when the date and time of completion is legally set), you risk the possibility that the date might change, thereby having to pay a fee to the removals firm to change the plans.
There is nothing stopping you in contacting a selection of firms to get a quote for removal and to negotiate the possibility of pencilling a date in but ensure you obtain agreement that this is subject to change and confirmation.
What makes the sale conveyancing process appear to be so drawn out?
The legal work undertaken to transfer a home in Yorkshire and the Humber could take more time. We aim to minimise their effect by proactively handling all enquiries.
Lloyds TSB is our lender - what do we need to consider?
Recently, a number of lenders have reduced their 'solicitor panel', potentially creating increased legal costs for home buyers. We, however, will act for most UK mortgage lenders to ensure that you will not need to pay legal costs to your lender's solicitor.
Why is it silly to buy a leasehold with less than 99 years to run?
In large part, if a leasehold drops below 90 years, it’s because mortgage companies will not be willing to lend money to purchase the leasehold. They will almost certainly have a stipulation on the length of the leasehold as part of their criteria for lending.
Most buyers are very aware of this and the trend is for an insistence of the sellers to provide an extension back up to the 99-year or 125-year thresholds before considering its purchase. Otherwise, even if you can finance it, eventually you’ll have to consider the legal cost of extending the lease yourself.
We are intending to purchase a house in XX. Will a chancel search be needed?
Your conveyancing solicitor may suggest that a chancel search is taken out. In older areas of Yorkshire and the Humber, chancel repair can be imposed on new owners of a home where Parochial Church Councils may have spared previous owners or tenants. For property in the parish of XX, it is not safe to rely on the historical behaviour of the parish council alone as a guide.
Does the conveyancing solicitor in Yorkshire and the Humber tell me about the cost of the council tax for a Band C building before exchanging contracts?
Your conveyancer will consult with the appropriate Teignbridge local council to discover the applicable council tax charges which will be included in the conveyancing report on title. The latest council tax rates for homes in Yorkshire and the Humber are listed on the Teignbridge local authority website. On 17 December 2012 rates are as follows:
- Band A - £1,031.00
- Band B - £1,203.00
- Band C - £1,375.00
- Band D - £1,547.00
- Band E - £1,891.00
- Band F - £2,235.00
- Band G - £2,579.00
- Band H - £3,094.00