Award-winning No Move, No Fee conveyancing for Aylesford home movers
By Gaynor Haliday, Legal researcher
Updated: October 12, 2018
We offer 100% fixed conveyancing fees, and you will always be up to speed regarding the progress of your move, thanks to our commitment to proactive communication between all parties.
Every year our award-winning No Sale, No Fee property lawyers help home buyers and sellers looking for conveyancing solicitors in Aylesford and across Kent.
In the event that your property sale or purchase does not proceed our no sale no fee guarantee means you won't incur any conveyancing solicitors' legal fees at all.
Aylesford's most communicative conveyancing service
According to a Law Society survey, 46% of the respondents suggested that poor communication delayed their home purchase or sale.
The consumer service directives of both the Law Society's 'Conveyancing Quality Scheme' and the Council for Licensed Conveyancers are heavily focussed on the problem of sub-standard conveyancing solicitor communication practices.
Despite attempts by the Solicitors Regulation Authority to address the issue, according to a survey carried out by OnePoll of 1,500 people, almost half of consumers thought that their sale or purchase would have completed sooner with more efficient communication.
Keeping you updated
Our team of Aylesford conveyancing solicitors deliver an award-winning conveyancing service. We deliver to homemovers a proactive and informative service by phone, email and via our case management app, every day of the week:
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Updated: October 12, 2018
Aylesford conveyancing solicitor fees and costs
No Move, No Fee conveyancing in Aylesford
Conveyancing solicitor fees are the amounts you pay conveyancing solicitors in Aylesford for the legal work for a home sale or purchase.
How are Aylesford conveyancing fees calculated?
Our solicitors work on a guaranteed fixed conveyancing fee basis with no hidden extras, unlike some other conveyancing solicitors in Aylesford who offer services on a fees per hour basis. Your conveyancing quote explains all fees and disbursements you will need to pay when your sale or purchase completes.
Are there any other costs?
On top of the conveyancing fees you will also have to pay for 'disbursements'.
Disbursements are fees that a property lawyer must pay to other companies during the process of buying or selling your home, such as Stamp Duty Land Tax or indemnity insurance.
How much will the total Aylesford solicitor conveyancing fees be?
Though conveyancing fees in Aylesford will be the same as anywhere else in the country, the disbursements required can vary. As examples, additional region-specific searches, such as a Coal Authority search, may be needed and council search fees will vary.
For a standard conveyancing transaction, the conveyancing fee we quote is the fee you pay. There are no hidden fees or nasty surprises with Quittance Conveyancing. To calculate the conveyancing fees for your move, try our conveyancing fees quote calculator: Click here
Conveyancing - Buying a property in Aylesford
Caveat emptor, (Latin for "let the buyer beware"), was the legal principle of property law in England and Wales. This principle no longer applies, however, a purchaser must still investigate the house or flat they plan to buy.
The Aylesford conveyancing solicitor will make recommendations following their enquiries, find solutions to outstanding defects and other issues and register the title in the new owner's name.
This article considers the aspects of the buying process for conveyancing solicitors in Aylesford that demand specialist knowledge.
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Your Aylesford conveyancing solicitor must be lender-approved
There are around 100 UK lenders, from a major lender such as Halifax, to a financial institution like GE Money Home Lending. Before you choose a Aylesford conveyancing solicitor, it is essential that you check that they are approved by your chosen lender.
Your solicitor may not be able to carry out the legal work on behalf of your chosen lender, because some mortgage lenders only accept a select panel of legal practices that meet stringent standards.
Should this be the case, the lender will probably need a second law firm to complete the legal work, and you will be expected to pay this second lawyer's costs. This can push back the completion date of the purchase.
Our conveyancing solicitors are on the panel of all lenders.
- Lloyds Bank
- Barclays Bank
- HSBC Bank
- The Royal Bank of Scotland
- Santander Bank
- Nationwide Building Society
- Halifax Bank
- All UK lenders
Tonbridge and Malling Borough Council searches
Property searches (sometimes referred to as 'conveyancing searches') will be applied for by Aylesford conveyancing solicitors in order to identify problems that might possibly impact how much your house or flat will be worth. They include:
|Local Authority (LA) search||contains information about the property and surrounding area held by Tonbridge and Malling Borough Council|
|Environmental search||shows whether the surrounding environment is suitable for the purchaser|
|Drainage & Water search||includes the position of water mains and sewers, and whether the local authority is responsible for their maintenance.|
|Chancel repair liability||involves the potential liability owed by the owners of certain property to pay for local parish church repairs. Insurance can be arranged to cover this risk.|
Buyers will be informed if your chosen lender needs any additional searches, e.g. a highways authority search or a more detailed environmental report.
The average delivery time for property searches obtained from Tonbridge and Malling Borough Council is 8 weeks. Your lawyer will therefore recommend using faster personal searches.
Official Entries (or 'office copies') will also be applied for from HM Land Registry by the homebuyer's conveyancing solicitor, helping to evidence planning issues, for example discrepancies with the filed plan or restrictions that limit alterations.
Tonbridge and Malling Borough Council Council Tax
Tonbridge and Malling Borough Council calculate your council tax based on various criteria including the size of the home and the value of the property. For instance for an average Tax Band D residential property in Aylesford, the amount of council tax due would be £1,741.
A conveyancing solicitor in Aylesford will inform a buyer of the home's tax band after this is confirmed by the searches.
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 (25%) would reduce the tax due to £1,306.
Other discounts and exemptions may also apply, for example if the property is a second home then a 10% discount will be applied or where the property is occupied solely by students. New build properties are assessed by the Valuation Office Agency and allocated a banding.
|Band||Tonbridge and Malling Borough Council Tax (2018)|
Is it possible to appeal?Contact the VOA for more information on how to challenge your tax band:
Valuation Office Agency
In 2016/17, 30 council tax challenges were made, and 20 were upheld and the tax was reduced.
Stamp Duty on Aylesford properties
After a home sale has completed, the buyer's conveyancing solicitor will ensure that the SDLT is paid to HMRC.If a home is purchased for £125k or less, no stamp duty is payable. Above this, most homebuyers will need to pay stamp duty.
Quittance use smart case management systems to ensure that mistakes are not made on the stamp duty process.
This table sets out Stamp Duty Land Tax for property in Aylesford:
|Average sale price (2018 to date)||Stamp Duty Land Tax|
|Average price (detached)||£401,000||£10,050.00|
|Average new build||£118,500||£0.00|
Stamp duty relief for first-time buyers in Aylesford
Since Nov 2017, first-time buyers only need to pay stamp duty on homes valued over £300k. If you are buying a second home for more than £40,000 then you will have to pay a 3% SDLT surcharge. Therefore, if a homeowner in Aylesford bought a second property for the average price of £266,132 the SDLT would be £21,290.56.
Conveyancing solicitors in Aylesford will confirm the correct amount is calculated.
Buying a flat? Leasehold conveyancing in Aylesford
The pitfalls associated with buying a leasehold house or flat in the UK are well publicised. The numerous common problems lying in wait for the unsuspecting buyer include:
- short leases
- undisclosed major works
- sub-letting restrictions
- increasing ground rents
A experienced conveyancing solicitor in Aylesford will consider potential leasehold issues, e.g. reviewing correspondence between the freeholder and leaseholder, reviewing the lease itself and short leases.
Make sure that you are fully-informed regarding your planned purchase - Get in touch with our specialist leasehold conveyancing solicitors on 0800 612 0377 today.
Buying a 'New Build' property in Aylesford?
The average sale price of Aylesford new build homes is £118,500. 1 brand new properties have been bought in Aylesford in 2018 so far.
The legal work for acquiring a new build property requires more technical knowledge than 'standard conveyancing'. To prevent difficulties arising a conveyancing solicitor in Aylesford must be aware of Aylesford-specific considerations and should investigate several key issues, like checking new build mortgage procedures are followed and negotiating new build contracts.
Our conveyancing team specialise in working to tight developer deadlines and helping new build purchasers obtain the best possible terms.
Kent Conservation areas
Your conveyancing solicitor will check if the house you are intending to buy is in a conservation area in Aylesford. If it is, the property is affected by conditions. Referred to as Article 4 directions, these conditions can include a range of factors from restrictions on the addition of a porch, to general restrictions governing unsympathetic additions or modifications.
If a property is in breach, the local authority can require the new owner to revert the property to its earlier condition, even if the previous owner was responsible for the changes.
Parts of Aylesford lie within a Tonbridge and Malling LPA-governed conservation area. Your Quittance conveyancing solicitor will confirm if the property you are purchasing is located in a conservation area in Aylesford.
Conveyancing - Selling a property in Aylesford
The legal side of a sale of a house or flat is simpler than when buying. When property changes hands, caveat-emptor' means that the onus is solely on the buyer to verify that the legal title of the property is not legally defective.
When selling, conveyancing solicitors in Aylesford acting for the person selling need only respond to the buyer's solicitor's questions.
What can you do to improve the odds of your sale going through?
Common issues, like missing planning regulations, can endanger your move if not handled appropriately.
It is almost always recommended that sellers face such issues head on and fix them.
- No electrical completion certificate? What to do before selling your home
- What to do if selling a home without planning permission
- The Essential Conveyancing Guide for Sellers in 2018
Read more helpful advice for sellers here.
The legal work for a leasehold property is significantly more time-consuming compared to a freehold house.
Leasehold complexity involves additional legal work on the part of conveyancing solicitors in Aylesford. This can involve getting all relevant freeholder information or a copy of any notices served on the leaseholder.
To reduce delays, it is recommended that the seller instructs a lawyer with leasehold experience as soon as possible, and potentially before marketing the property,.
Can your conveyancing solicitors act for both the buyer and the seller of the same house?
SRA regulations prevent the same solicitor from acting on both sides in a house sale. However, CLC-regulated conveyancers, can act for both the buyer and the seller.
If you are buying or selling a Aylesford home, and a Quittance conveyancing solicitor is carrying out the legal work for the other side, you could instruct a property solicitor firm in Aylesford to carry out your legal work.0
Conveyancing - Remortgaging a property in Aylesford
By far the most common reason homeowners remortgage their home is to get a lower interest rate. There are also a number of other reasons to consider remortgaging, including releasing funds to help pay for home improvements, or getting onto a longer fixed-rate term.
Homeowners can appreciate the benefits of a lower rate sooner with a more efficient conveyancing solicitor in Aylesford, working to reduce the processing time of the legal work. With the future of interest rates unclear, fast conveyancing can play a key role in getting onto your new rate as quickly as possible.
To certify that the parties' interests are protected, the property lawyer will act for both you and your new bank or building society.
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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