Award-winning No Move, No Fee conveyancing for Blyth home movers
By Gaynor Haliday, Legal researcher
Updated: October 12, 2018
Quittance offer 100% fixed conveyancing fees, and our commitment to better communication means you will always be kept in the loop about the legal side of your move.
Every year our no sale, no fee property lawyers help home buyers and sellers looking for conveyancing solicitors in Blyth and across Northumberland.
Our no sale no fee guarantee means should your move not proceed, even if you decide to pull out, you will not have to pay any conveyancing solicitors' legal fees.
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Blyth's most communicative conveyancing service
According to a Law Society survey, 1 in 2 of the home buyers asked suggested that poor communication delayed their home move.
Proactive conveyancing solicitor communication is so critical that the Council for Licensed Conveyancers (CLC) Client Charter is focussed on it.
Despite this, according to a survey commissioned by the Conveyancing Association, over a fifth of property transactions abort due to delays caused by poor communication.
Quittance Conveyancing's team of Blyth conveyancing solicitors aim to deliver the most informative and proactive property legal service in the UK. We strive to provide you with the information you need by email, phone and via our case management app, 7 days a week:
- Best Blyth conveyancing solicitors fees
- Email address and DDI of your conveyancer
- Open Mon to Thurs 9am-8pm & Fri 9am-6pm
- Open weekends - Saturday (9am-1pm)
- Frequent case updates by smartphone, tablet and PC
- Access to your online file
Updated: October 12, 2018
Blyth conveyancing solicitor fees and costs
No Move, No Fee conveyancing in Blyth
Conveyancing solicitor fees are what you pay your Blyth conveyancing solicitor for the legal work for a home sale or purchase.
How are Blyth conveyancing fees calculated?
Some conveyancing solicitors in Blyth carry out the legal work on an hourly-rate basis. Our conveyancers work on fixed legal fees (known as 'No Sale, No Fee' or 'No Move, No Fee'), with no unexpected, additional costs. Your quote explains exactly what you will need to pay when your house or flat sale completes.
Are there any other costs?
On top of the conveyancing fees you will also have to pay for 'disbursements'.
Disbursements are the third-party costs that your conveyancer will pass on to you at the end of the conveyancing process, such as Stamp Duty Land Tax or office copies and title plans.
How much will the total conveyancing fees in Blyth cost?
Conveyancing solicitor fees in Blyth will not vary. However, there may be some variation in certain disbursements. As examples, Local Authority Search fees can vary and additional region-specific searches, such as a flooding search, may be needed.
With Quittance Conveyancing, there are no hidden fees or surprises in the small print. For standard conveyancing transactions, the conveyancing fee we quote is the fee you pay. Work out the conveyancing fees for your move, with our conveyancing calculator: Click here
Conveyancing - Buying a property in Blyth
When carrying out the legal work for a home purchase, a Blyth conveyancing solicitor will look into the legal ownership rights or 'title' of the property and report back in detail to the buyer and the lender.
Following their enquiries the lawyer will offer professional advice and will help to fix or resolve any legal issues and ensure that the full legal ownership is transferred.
This section gives useful advice for people who need conveyancing solicitors in Blyth for a purchase.
Your Blyth conveyancing solicitor must be lender-approved
There are many mortgage providers available to homebuyers, from a major lender such as Santander, to a less common mortgage lender like the Darlington Building Society. Before instructing a conveyancing solicitor in Blyth, it is essential that you check that they are on the approved panel of your lender.
Most lenders only accept a restricted panel of legal firms that have achieved certain benchmarks. If your conveyancer is not on the panel of your lender, the lender will need a different legal firm to act in their interests.
The buyer will usually need to pay this substitute lawyer's costs, and weeks could be added to the conveyancing process.
Our solicitors are approved members of all lender panels.
- Lloyds Bank
- Barclays Bank
- HSBC Bank
- The Royal Bank of Scotland
- Santander Bank
- Nationwide Building Society
- Halifax Bank
- All UK lenders
Northumberland County Council searches
Searches are questions submitted to a number of authorities by Blyth conveyancing solicitors to highlight issues affecting your planned purchase.
Mortgage lenders also usually require conveyancing searches to be submitted. These include:
|Local Authority (LA) search||reveals planning applications, decisions and enforcement notices for planning breaches.|
|Environmental search||environmental issues that could adversely affect the property|
|Drainage & Water search||covers the location of water pipes and drains, and reveals if the upkeep for these falls on the owner or local council.|
|Chancel repair liability||describes the insurance to protect against any liability to the local parish for repairs.|
Buyers will be informed if your chosen lender insists on any additional searches, e.g. a highways authority search or an energy search.
Property purchasers could experience a delay of around 8 weeks for searches ordered from Northumberland County Council, so your conveyancer will recommend using a faster search agent.
The conveyancing solicitor acting for the buyer will request an Official Copy of the Title Register from HM Land Registry. This will help to expose any issues, such as errors on the title plan or restrictions that limit alterations.
Northumberland County Council Council Tax
Council tax is calculated by Northumberland County Council on property value and the number of people living in the property. The occupier of a property in Tax Band C, for example, would owe annual council tax of £1,624.
Conveyancing solicitors in Blyth will inform the buyer of the home's tax band as soon as they are 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 £1,218.
Other discounts and exemptions may also apply, e.g. a 10% discount for second homes or for spouses of students who are not British. Homes constructed after 1991 are assessed by the Valuation Office Agency (VOA).
|Band||Northumberland County Council Tax (2018)|
Is it possible to reduce my council tax band?To challenge your banding contact:
Valuation Office Agency
Eagle Star House
Newcastle Upon Tyne
Tyne and Wear
Owners can apply for their property to be reassessed.
Stamp Duty on Blyth properties
The current stamp duty threshold is £125,000 in England and Wales. Submitting the SDLT1 form to HMRC is difficult and time consuming. The majority of purchasers get their property lawyer to do it for them.
Quittance's specialist post-completion team will ensure that the hard to understand SDLT1 form is completed and submitted to HMRC without delay.
This table sets out SDLT for property in Blyth:
|Average selling price (2017)||SDLT|
|Average price (detached)||£206,046||£1,620.92|
|Average new build||£170,345||£906.90|
Stamp duty relief for first-time buyers in Blyth
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 Blyth should confirm the right amount is calculated.
Buying a flat? Leasehold conveyancing in Blyth
Data suggests that over 100,000 homeowners in the UK are trapped in property leases with unreasonable lease clauses. Numerous technical issues may be awaiting the unsuspecting purchaser, including:
- onerous covenants
- ground rent multipliers
- overpriced managing agent packs
A good conveyancing solicitor in Blyth will investigate aspects of the leasehold purchase, e.g. :
- checking the lease itself
- absent freeholders
- service charge records from the last three years
- freeholder granted consents under the lease
- block management regulations that sit outside the lease
Make sure that you are fully-informed regarding your planned purchase - Contact Quittance Conveyancing's specialist leasehold conveyancing solicitors today on 0800 612 0377.
Buying a 'New Build' property in Blyth?
The average cost of Blyth new builds is £157,684. 7 new build homes have been bought in Blyth in 2018 so far.
The legal work for acquiring a new build home can be complicated compared to other types of conveyancing. To prevent difficulties arising a conveyancing solicitor in Blyth must be conscious of Blyth-specific considerations and will consider a range of issues, including ensuring that new build mortgage conditions are met and confirming building regulation compliance.
Quittance Conveyancing deliver a specialist assessment of the legal status of the property, whilst being mindful of considerations like unreasonable leasehold terms and an assessment of other risks, such as regional infrastructure development.
Conservation areas in Northumberland
Buying in a conservation area can ensure that the local neighbourhood is protected from drastic alterations. However, conservation area conditions will affect your residential property.
These conditions, referred to as Article 4 Directions, could include a wide range of constraints from restrictions on the removal of front boundary walls, to restrictions on the display of advertisements.
The local planning authority can order any non-compliant alterations to a property to be changed or removed.
Your conveyancing solicitor will confirm whether the property you are buying is located in one of Blyth's conservation areas.
Conveyancing - Selling a property in Blyth
The legal side of a sale of a house or flat is less difficult than when purchasing. During the sale of a house or flat, the burden is solely on the buyer to ensure that the property they are purchasing is mortgageable and is (or can be) registered at the Land Registry.
Conversely, with a sale, conveyancing solicitors in Blyth acting for the current owner just answer any enquiries made by the buyer's solicitor.
What could put the sale of your property at risk?
Homes can be burdened by a series of possible complications (e.g. issues with neighbours' rights over the property or not having suitable right of way) that have the capacity to prolong the conveyancing process for weeks (or more).
Don't bury your head and hope the buyer's solicitor won't notice - a better course of action will be to talk to a professional, square up to the issue(s), and find a solution ASAP.
- What to do if selling a home without planning permission
- The Essential Conveyancing Guide for Sellers in 2018
- Boundary disputes - what to do before selling your home
Read more helpful advice for sellers here.
The conveyancing process for a leasehold flat is quite a lot more complex than it is for a freehold home.
Blyth conveyancing solicitors will also need to carry out additional work, such as liaising with the management company to obtain service charge accounts, through to a copy of the service charge budget for the current year (and any anticipated payments on account).
To reduce delays, it is recommended that you contact a conveyancer with leasehold experience as soon as an estate agent is chosen.
What if your conveyancing solicitors are acting for the other side?
Solicitors Regulation Authority rules prevent a single conveyancing solicitor from acting on both sides in a property sale and purchase. CLC-regulated conveyancers, however, can act for both the buyer and the seller.
If you are buying or selling a house or flat in Blyth, and one of our conveyancing solicitors is doing the legal work for the other side, you could instruct a property solicitor firm in Blyth to carry out your legal work.0
Conveyancing - Remortgaging a property in Blyth
Whilst homeowners consider remortgaging for a range of reasons, people will generally remortgage their home simply to get a better rate.
You should be able to enjoy a better rate sooner with a more proactive conveyancing solicitor in Blyth. With rate rises hard to predict, fast conveyancing can be a crucial factor in getting the mortgage rate you want.
The property lawyer will represent both you and the bank or building society, in order to confirm the mortgage provider's interests are protected and that the new interest in the property is registered correctly.
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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