Award-winning No Move, No Fee conveyancing for Aberystwyth home movers
By Gaynor Haliday, Legal researcher
Updated: October 12, 2018
Whether you are buying, selling or remortgaging a property and need conveyancing solicitors in Aberystwyth, our expert no sale, no fee property lawyers are here to help.
With 100% fixed conveyancing fees and a commitment to proactive communication between all parties, Quittance understand what will make you home move less stressful.
In the event that your move does not proceed our no sale no fee guarantee means you won't incur any conveyancing solicitors' legal fees at all.
Get a conveyancing
- Property details
- About you
- Your quote
Aberystwyth's most communicative conveyancing service
According to a poll carried out by the Law Society, 1 in 2 of those who took part said poor communication led to delays in their home move.
Conveyancing solicitor communication is so paramount that the Council for Licensed Conveyancers (CLC) Client Charter is focussed on resolving the issue.
In spite of this, a survey carried out by the Conveyancing Association, revealed around 1/4 of conveyancing transactions do not complete as the result of inefficient communication.
Our Aberystwyth conveyancing solicitors deliver a first-rate conveyancing service. We provide you with the answers you require wherever you are, using the contact method of your choice:
- Best Aberystwyth conveyancing solicitor fees
- Regular progress updates via your chosen method (including SMS, phone and email)
- State of the art case tracking system
- Direct line and contact details of your lawyer
- Open Mon to Thurs 9am-8pm & Fri 9am-6pm
- We are open weekends - Saturday (9am-1pm)
Updated: October 12, 2018
Aberystwyth conveyancing solicitor fees and costs
No Move, No Fee conveyancing in Aberystwyth
Conveyancing solicitor fees will be paid to your Aberystwyth conveyancing solicitor for carrying out the legal work for a property transaction.
How are Aberystwyth conveyancing fees calculated?
Our conveyancing solicitors work on fixed legal fees (known as 'No Sale, No Fee' or 'No Move, No Fee') with no hidden costs, unlike some other conveyancing solicitors in Aberystwyth who carry out the legal work on a price per hour basis. Your quote explains all fees and other costs you will be charged when your sale or purchase goes through.
Are there any other costs?
In addition to the legal fees you will also need to budget for 'disbursements'.
Disbursements are the third-party costs that your conveyancer will pass on to you at the end of the conveyancing process. These include costs like property searches or leasehold information packs.
How much will the total conveyancing fees in Aberystwyth cost?
Though conveyancing fees in Aberystwyth will usually match prices elsewhere in the UK, the disbursements required can vary. For example, specific extra searches, such as a commons registration search, may be necessary and Local Authority (LA) Search fees will vary.
With Quittance Conveyancing, there are absolutely no hidden costs. For a standard sale or purchase, the fees we quote are the fees you pay. Calculate the conveyancing fees for your move, with our conveyancing fees calculator: Click here
Conveyancing - Buying a property in Aberystwyth
In carrying out the legal work for the purchase of a house or flat, a Aberystwyth conveyancing solicitor will look into the title of the property and report back in detail to the buyer and the lender.
After making their enquiries the conveyancer will offer suggestions and advice and will assist in resolving any issues and ensure that the full legal ownership is transferred.
The following examines those residential property types that involve additional hazards for homebuyers looking for conveyancing solicitors in Aberystwyth.
Your Aberystwyth conveyancing solicitor must be lender-approved
Whether your mortgage is with a large lender like the HSBC or a financial institution such as the Darlington Building Society, before you instruct a conveyancing solicitor in Aberystwyth you must confirm that they can act for your lender.
A lot of banks and building societies will only accept a restricted list (called a 'lender panel') of law firms that meet stringent standards. If a conveyancer is not on the panel of your lender, the lender will require a second firm to complete the legal work.
The buyer will be expected to pay this alternate lawyer's fees, and weeks could be added to the conveyancing process.
Our solicitors can carry out the legal work for all major and minor banks and building societies.
- Lloyds Bank
- Barclays Bank
- HSBC Bank
- The Royal Bank of Scotland
- Santander Bank
- Nationwide Building Society
- Halifax Bank
- All UK lenders
Ceredigion County Council searches and other searches
Searches are carried out by Aberystwyth conveyancing solicitors to help spot planning, development and environmental issues that could possibly undermine how much the property you are buying will be worth. They include:
|Local Authority (LA) search||reveals planning applications, decisions and enforcement notices for planning breaches.|
|Environmental search||identifies nearby landfill and contaminated land sites (within 500 metres), and if there has been any historic flooding or mining subsidence.|
|Drainage & Water search||identifies the location of sewers and water mains, and will confirm whether these are maintained by the local council.|
|Chancel repair liability||describes the insurance to protect against any liability owed by Aberystwyth properties for local parish repairs.|
More specialised searches, such as a tin mining search or a ground stability report, may also be referred to in the standard searches.
Ceredigion County Council has a typical turnaround time of 7 weeks for conveyancing searches, so faster personal (as opposed to official) searches will be recommended.
Finding planning permissions
The conveyancing solicitor acting for the buyer will obtain an 'Official Copy of the Title Register' from HMLR. This helps to find potential planning issues. These issues could include that a restrictive covenant has been breached or outbuildings lying outside the boundary.
Ceredigion County Council Council Tax
The council tax paid by a homeowner is based on a number of factors which include the layout of the property and the value of the home as determined by the VOA in 1991. For instance the occupier of a Band D home in the Ceredigion County Council area would pay annual council tax of £1,484.
A conveyancing solicitor in Aberystwyth will inform a purchaser of the home's tax band once they are themselves notified.
If the property is unoccupied for 2 years or more, an additional premium of 50% may be applied to the council tax. Single person discount reduces the tax due to 75% which would equal £1,113.
Other discounts and exemptions may also apply, for example if the property is a second home then a 10% discount will be applied or if an occupier is an apprentice school leaver or YTS trainee. The Valuation Office Agency (VOA) work out council tax bandings for new build homes, and where the owner has requested a revaluation.
|Band||Ceredigion County Council Tax (2018)|
Could I be overpaying council tax?To appeal contact:
Valuation Office Agency
From April 2016 to March 2017, 50 council tax challenges were made, and 20 resulted in a reduction.
Stamp Duty on Aberystwyth properties
Given the complexity of the SDLT1 tax return form, only the fearless would attempt to complete and file this with HMRC without a conveyancing solicitor's help.If you are buying a house that costs over £125,000, then you will have to pay Stamp Duty Land Tax to HMRC.
Quittance will complete the SDLT1 form for you at the point your purchase completes.
See examples for average Aberystwyth properties:
|Average sale price (2017)||Stamp Duty|
|Average price (detached)||£242,016||£2,340.32|
|Average new build||£156,150||£623.00|
Stamp duty relief for first-time buyers in Aberystwyth
As from Nov 2017, first-time buyers will not have to pay any stamp duty if the purchase price is below £300k.
Conveyancing solicitors in Aberystwyth should ensure the right amount is calculated.
Buying a flat? Leasehold conveyancing in Aberystwyth
Purchasing a leasehold property if you are unaware of the facts is ill-advised. Numerous technical obstacles may be lying in wait for the unsuspecting purchaser, including unfair developer practices and exponential ground rents.
If you are planning to purchase a house or flat with a lease, a experienced conveyancing solicitor in Aberystwyth will address aspects of leasehold, for example understanding regional and era-specific nuances of leases, reviewing correspondence between the freeholder and leaseholder and service charges, ground rents and buildings insurance arrangements.
Make sure that you are fully-informed regarding your planned purchase thanks to our leasehold conveyancing solicitors.
Buying a 'New Build' property in Aberystwyth?
17 new builds were purchased in Aberystwyth last year, based on information from Her Majesty's Land Registry. The average sale price of new builds in Aberystwyth is £156,150.
Acquiring a new build requires more technical knowledge than 'standard conveyancing'. Therefore a conveyancing solicitor in Aberystwyth must be conscious of local Aberystwyth issues and will need to investigate several key factors, like investigating developer incentives and confirming right of way over drains and sewers.
Our team of conveyancers specialise in working to tight developer deadlines and representing buyers to achieve the best outcome.
Ceredigion Conservation areas
Your conveyancing solicitor will need to confirm if the property you are intending to buy is in one of Aberystwyth's conservation areas. If it is, the property is affected by building controls. These building controls can include anything from restrictions on the addition of flues and soil vent pipes, to restrictions on replacing windows.
The local authority can order any non-compliant alterations to a property to be changed or removed, such as removing a new garden wall.
Quittance's conveyancing solicitors will address whether the home you plan to buy is located in a conservation area in Aberystwyth.
Conveyancing - Selling a property in Aberystwyth
The legal work involved in a house sale is less complicated than when purchasing. With a purchase, the onus lies entirely with the buyer to establish that the house or flat can be mortgaged and is free from legal issues.
In contrast, for a sale, conveyancing solicitors in Aberystwyth acting for the vendor need only answer enquiries made on behalf of the buyer.
What could go wrong?
Obstacles, like a dispute with a neighbour, can actually protract the conveyancing process if left unresolved.
You shouldn't bury your head in the sand and hope the buyer's solicitor won't notice - seek out professional help instead, square up to the issue(s), and find a solution ASAP.
- Noisy neighbours? What to do before selling your home
- The Essential Conveyancing Guide for Sellers in 2018
- Noisy neighbours? What to do before selling your home
For more conveyancing advice for sellers click here.
Conveyancing for a leasehold flat or house is quite a lot more technical in comparison with a freehold house.
The complex nature of leasehold property means that conveyancing solicitors in Aberystwyth will need to conduct additional work, which could include collating all relevant freeholder information or a copy of the lease.
To speed up the leasehold conveyancing process, it is recommended that you contact a property lawyer with leasehold experience as soon as is practicable.
Can your conveyancing solicitors act for the buyer and the seller in one transaction?
A conveyancer who is regulated by the CLC can act for both parties. However, Solicitors Regulation Authority rules restrict a single conveyancing solicitor from working on behalf of both sides in a house sale and purchase.
You can contact a property solicitor firm in Aberystwyth to handle your legal work, if one of our conveyancing solicitors is carrying out the legal work for the other side.
Local Aberystwyth conveyancing solicitor directory
- Alun Thomas & John, Crynfryn, Eastgate, Aberystwyth, Ceredigion, SY23 2AR
- Brunton & Co, 6 Upper Portland Street, Aberystwyth, Ceredigion, SY23 2DU
- Godwins, 56 Portland Street, Aberystwyth, Ceredigion, SY23 2DX
- Humphrey Roberts & Bott, 1 Alfred Place, Aberystwyth, Ceredigion, SY23 2BS
Conveyancing - Remortgaging a property in Aberystwyth
By far the most common reason homeowners remortgage their home is to get a lower interest rate. Other reasons to consider remortgaging include releasing funds to help kids get on the property ladder, or getting on to a new fixed-rate deal.
A proactive conveyancing solicitor in Aberystwyth will complete the conveyancing quickly, perhaps saving you from a payment or two at your old rate. With the base rate now at 0.5% (May 2018) and rate rises hard to predict, fast conveyancing can be a critical factor in getting onto your new rate as quickly as possible.
It is vitally important that the property lawyer carrying out the remortgage can act for your preferred mortgage provider. Quittance Conveyancing are on all major UK lenders' panels. So whether you are moving to an offset mortgage with the Co-operative Bank or to a two-year discount with the Monmouthshire Building Society, our remortgage team can assist.
About the author
Gaynor Haliday is an experienced legal researcher and published author. She has had numerous articles published in the press and is a legal industry commentator.
Read more about this Quittance Legal Expert
Instant onlineconveyancing solicitor quote
Quittance Conveyancing delivers fast, proactive and communication-focused conveyancing to Aberystwyth home buyers and sellers. Your dedicated conveyancer will keep you informed every step of the way.
Get a quote
Get a conveyancing solicitor quote for your Aberystwyth property sale, purchase or remortgage.Get a quote online
or call us on 0800 612 0377
Compare solicitor quotes
Find out more about how to compare conveyancing solicitor quotes in 2018.Find out more
If you have any questions or would like to discuss your sale or purchase with an expert, email us at:
Ask a conveyancing expert
If you have any questions about getting a conveyancing quote or any aspect of the conveyancing process, let us know: