Updated: October 12, 2018

Ashford Surrey conveyancing solicitor fees

No Move, No Fee conveyancing in Ashford Surrey

Conveyancing solicitor fees are the amounts you pay to conveyancing solicitors in Ashford Surrey for handling the legal work for your move.

Are Ashford Surrey conveyancing fees and costs fixed?

Our conveyancing solicitors work on a fixed No Sale, No Fee basis with no nasty surprises in the small print, unlike some other conveyancing solicitors in Ashford Surrey who offer services on a price per hour basis. Your conveyancing quote will set out what you will be charged when your sale or purchase completes.

What are disbursements?

In addition to the solicitor's conveyancing fees you will also have to cover any 'disbursements'.

Disbursements are fees, costs or taxes that your property solicitor will have to pay to third parties on behalf of their client, such as Land Registry fees or office copies and title plans.

See: A guide to conveyancing fees, costs and disbursements

How much will the total Ashford Surrey solicitor conveyancing fees be?

Conveyancing solicitor fees in Ashford Surrey will be the same as anywhere else in the UK. However, there may be some variation in certain disbursements. For example, specific extra searches, e.g. a Coal Authority search, may be necessary and council search fees will vary.

With Quittance, 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

Quittance's conveyancing fees were substantially lower than the average solicitors' fees, and their service was first-rate

Conveyancing - Buying a property in Ashford Surrey

There is now an obligation on a seller to disclose any property defects or disputes to the buyer.

It is, however, still the duty of the conveyancing solicitor in Ashford Surrey to investigate the property, so that they can report back to the buyer and the lender, deal with any legal issues and ensure that the change of ownership is registered at the Land Registry.

The content below considers the kinds of property which may involve extra hazards for homebuyers who want conveyancing solicitors in Ashford Surrey.

Your Ashford Surrey conveyancing solicitor must be lender-approved

Whether you are obtaining a mortgage from the HSBC, Platform or any other lender, before you appoint a Ashford Surrey conveyancing solicitor it is essential that you check that they can act on behalf of your lender.

Some lenders will only work with a restricted group of law firms that pass strict standards. If your solicitor cannot act for your lender, the lender will probably need a second legal firm to complete the legal work.

The purchaser will be expected to pay this alternative lawyer's costs and significant delays to your move could occur.

Delays can be caused by failing to check your conveyancing lawyer's lender panel status.

Our conveyancing solicitors can act on behalf of all banks and other lenders.

Spelthorne Borough Council searches

Searches are enquiries made by Ashford Surrey conveyancing solicitors to highlight issues affecting the property being purchased. They include:

  • Local Authority (LA) search - exposes issues like road schemes that could affect the property
  • Environmental search - shows risks within 500 metres of the property, such as toxic chemicals in the land
  • Drainage & Water search - describes water mains and sewers, and confirms if these are privately maintained
  • Chancel repair liability - insurance is arranged to protect the buyer against any liability for local parish church repairs.

More specific searches, such as a highways authority search or a disadvantaged area search, may also be recommended in the standard search results.

Property purchasers should expect to wait around 4 weeks for conveyancing searches ordered from Spelthorne Borough Council, so your solicitor will instead apply for quicker personal searches.

Checking planning status

Your conveyancing solicitor also retrieves an 'Official Copy of the Title Register' from HM Land Registry. This will help to expose any planning issues, such as restrictive covenants governing the use of the property or discrepancies between the property boundaries and the title plan.

Spelthorne Borough Council Council Tax

Council tax is calculated by Spelthorne Borough Council on property value and the number of people living in the property. E.g. for an average Valuation Band C residential property in Ashford Surrey, the council tax amount would be £1,640 per year.

A conveyancing solicitor in Ashford Surrey will inform the buyer of the home's tax band once they are themselves notified.

If the property is unoccupied for over 24 months, the owner will pay 150% of the relevant rate. Single person discount reduces the tax due to 75%, which would equal £1,230.

Other discounts and exemptions could also apply, e.g. unoccupied properties undergoing major repairs or structural changes or where the property is a hall of residence. New build homes are assessed by the Valuation Office Agency and allocated a band.

Band Spelthorne Borough Council Tax (2018)
A £1,230
B £1,435
C £1,640
D £1,845
E £2,255
F £2,665
G £3,076
H £3,691
Contact the VOA for more information on how to challenge your tax band:

Valuation Office Agency
2nd Floor
1 Francis Grove
London
SW19 4DT

In 2016/17, 30 council tax challenges were made. 10 were approved and the tax was reduced.

Stamp Duty on Ashford Surrey properties

Given the complexity of the SDLT1 tax return form, only the daring would attempt to complete and file this with Her Majesty's Revenue and Customs (HMRC) without a conveyancing solicitor's help.

If the purchase price of your new home is over the £125k threshold (excluding 'chattels' or 'fixtures and fittings'), the Stamp Duty Land Tax becomes chargeable.

Quittance use smart case management systems to ensure that mistakes are not made on the Stamp Duty Land Tax process.

The following table illustrates stamp duty examples for properties in Surrey:

  Average sale price (2017) Stamp Duty
Average price £533,121 £16,656.05
Average price (detached) £859,596 £32,979.80
Average new build £466,600 £13,330.00

Stamp duty relief for first-time buyers in Ashford Surrey

For first-time buyers, stamp duty is only payable on purchases over £300,000. Following the autumn budget statement, second home buyers have had to pay a 3% SDLT surcharge. E.g. if a second property was bought for £533,121 then the SDLT including the surcharge would be £42,649.68. .

Conveyancing solicitors in Ashford Surrey should ensure the correct tax is paid.

Buying a flat? Leasehold conveyancing in Ashford Surrey

New build site

The risks of buying a leasehold property in the UK are well known. The numerous common problems lying in wait for the unsuspecting purchaser could include:

  • short leases
  • unpaid service charges by the existing leaseholder
  • restrictions on the use of the property
  • unreasonable ground rents
Serious financial ramifications can result from a less-experienced conveyancer's failure to advise you correctly regarding your planned leasehold purchase.

A experienced conveyancing solicitor in Ashford Surrey will address aspects of leasehold, such as :

  • reviewing the lease itself
  • dealing with landlords
  • service charges and whether they have been collected
  • type of leasehold (i.e. flat/shared ownership/long leasehold house)

Ensure that you are fully-informed regarding your planned purchase - Call Quittance Conveyancing's leasehold conveyancing solicitors on 0800 612 0377 today.

Buying a 'New Build' property in Ashford Surrey?

Building site

The average cost of new build property in Ashford Surrey is £462,933, (Land Registry data). 93 new build homes have been bought in Ashford Surrey in 2018 so far.

A new-build conveyancing solicitor in Ashford Surrey must be mindful of local Ashford Surrey factors and the specific issues associated with new build, like handling unreasonable delays and ensuring that the contract is in the buyer's favour.

Our expert new build team provide an expert appraisal of the property's legal status, whilst being mindful of issues ranging from problematic leasehold terms to potential freehold acquisition traps.

Conservation areas in Surrey

Whether you are planning to buy a period cottage or a Victorian detached house, if the house is in a conservation area, any planned alterations to the house might not be allowed by Spelthorne Borough Council.

These restrictions, referred to as Article 4 Directions, can include a wide range of constraints from restrictions on the addition of a porch, to general restrictions governing non-uniform additions or modifications.

The new owner could be ordered to pay for necessary changes to bring a property in line with current regulations, even if the changes were made by the previous owner.

Your Quittance conveyancing solicitor will confirm if the property you are purchasing is located in a conservation area in Ashford Surrey.

Conveyancing - Selling a property in Ashford Surrey

The conveyancing process on a house sale usually requires less work than when purchasing. When buying, the burden lies with the purchaser to confirm that the title of the property they are buying does not have any legal issues.

Conversely, with a sale, conveyancing solicitors in Ashford Surrey acting for the seller just answer the buyer's solicitor's questions.

What could jeopardise the sale of your home?

Common issues, like missing planning regulations or not having permission for alterations when in a conservation area, could threaten the sale process.

It is not recommended that you put off finding a solution as solicitors are trained to unearth any such issues - get legal advice and attempt to resolve it as soon as you can.

Useful reading:

Read more conveyancing advice for sellers.

Leasehold flats

The conveyancing process for a leasehold flat or house is significantly more time-consuming in comparison with a freehold house.

Conveyancing solicitors in Ashford Surrey must usually carry out further legal work, and this could include obtaining the latest service charge and ground rent statement, through to details of the length of leases of other flats in the block.

To reduce delays, it is strongly advised that the vendor contacts a leasehold-specialist conveyancer as soon as possible.

What if you are already acting for the other side?

Conveyancers regulated by the CLC can act for both sides. However, Solicitors Regulation Authority rules ban a single conveyancing solicitor from acting on both sides in a property sale and purchase.

If you are buying or selling a home in Ashford Surrey, and a Quittance conveyancer is acting for the other side, you may wish to contact a property solicitor firm in Ashford Surrey to carry out your conveyancing.

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Conveyancing - Remortgaging a property in Ashford Surrey

Although there are many reasons to remortgage, homeowners generally remortgage their home simply to get a better rate.

Homeowners would typically benefit from a lower rate faster with a more efficient conveyancing solicitor in Ashford Surrey. With rate rises anticipated, fast conveyancing can be a crucial factor in getting on to the rate you want.

The property lawyer handling the remortgage needs to be able to act for your new mortgage lender. Quittance Conveyancing are panel members of all major banks and building societies. So no matter whether you are moving to a fixed-rate mortgage with the HSBC or to a discounted-rate mortgage with the Skipton Building Society, we can assist.

Gaynor Haliday, Legal researcher

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

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