Updated: October 12, 2018

Camberley conveyancing solicitor fees and costs

No Move, No Fee conveyancing in Camberley

Conveyancing solicitor fees are the charges you pay to your Camberley conveyancing solicitor for handling the legal work for your move.

Do Camberley conveyancing solicitors work on a fixed fee basis?

Our conveyancers 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 Camberley who will work on a fees per hour basis. Your quote explains exactly what you will need to pay when your property transaction has completed.

Are there any other costs in addition to conveyancing fees?

In addition to the solicitor's conveyancing fees you will also have to pay for '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 conveyancing fees in Camberley cost?

Conveyancing fees in Camberley should be the same as anywhere else in the UK. However, the costs of certain disbursements can vary. For example, specific extra searches, e.g. a mining search, may be necessary and Local Authority (LA) Search fees will vary.

For standard conveyancing transactions, what we quote is the fee you pay. There are no hidden costs or surprises to be paid with Quittance Conveyancing. To calculate your conveyancing fees, try our conveyancing fees quote calculator: Click here

Quittance's fees were cheaper - less than half the Estate Agent's recommended solicitor's fees

Conveyancing - Buying a property in Camberley

The legal work for a property buyer needs the conveyancing solicitor in Camberley to consider a wide range of issues. Examples of such issues are a defective title (e.g. breached restrictive covenants) and problems affecting the mortgageability (e.g. planning issues).

The buyer's lawyer will report their findings back to the buyer, assist in resolving any issues and confirm that the Land Registry's record of the property is updated.

This section considers elements of the legal process for conveyancing solicitors in Camberley where greater expertise is important.

Your Camberley conveyancing solicitor must be lender-approved

Homebuyers can select from a wide range of mortgage providers, from a large lender such as TSB, to a financial institution like Ulster Bank. Before choosing a Camberley conveyancing solicitor, you must confirm that they are on the approved solicitor panel of your lender.

Your solicitor may not be able to carry out the legal work on behalf of your lender, because some mortgage lenders are only prepared to work with a select panel of solicitors or licensed conveyancers that match certain criteria.

If that is the case, the lender will probably need a second legal firm to complete the legal work, and you will then have to cover this alternate solicitor's costs. This can mean the process takes much longer.

Your property purchase could be threatened by failing to confirm your conveyancing lawyer's lender panel status.

Quittance Conveyancing can perform the conveyancing for all mortgage providers.

Conveyancing Searches (Surrey Heath Borough Council)

Searches are carried out by Camberley conveyancing solicitors to identify any broader issues that might possibly undermine how much the property you intend to buy will be worth.

Mortgage lenders also need residential property searches to be applied for. Required searches will include:

  • Local Authority search - includes the LLC1 and CON29 which includes whether there are any grants available
  • Drainage & Water search - includes the position of water mains and sewers, and whether the local authority is responsible for their maintenance.
  • Environmental search - covers environmental issues within 500m of the property, including flooding, mining subsidence and the proximity of landfill and contaminated land sites.
  • Chancel repair liability - there is a risk that some Camberley properties owe a liability to the local parish to pay for church repairs. Insurance can be taken out to protect against this liability.

You will be made aware if your mortgage lender requires any more searches, e.g. a highways authority search or a disadvantaged area search.

Surrey Heath Borough Council has an average turnaround time of 5 weeks for Local Authority searches. Your solicitor will instead apply for personal searches, which are usually faster.

Planning permissions

The conveyancing solicitor acting for the buyer will get the Title Register from the Land Registry. This will help to highlight any planning issues. Examples of these include outbuildings missing from the title plan or right of access issues.

Surrey Heath Borough Council Council Tax

As a homeowner in Camberley, the applicable rate of council tax will vary depending on the value of the home (as assessed in 1991) and the number of people living in it. E.g. for an average Tax Band D residential property in Camberley, the council tax would be £1,880 per year.

A conveyancing solicitor in Camberley will inform the buyer of the property's 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 (25%) would reduce the tax due to £1,410.

Other discounts and exemptions could also apply, for example unoccupied properties undergoing major repairs or for spouses of students who are not British.

Band Surrey Heath Borough Council Tax (2018)
A £1,254
B £1,462
C £1,671
D £1,880
E £2,298
F £2,716
G £3,134
H £3,761

What to do if you suspect your new home is incorrectly valued

It is possible to challenge the council tax band after moving in. Between April 2016 and April 2017, 30 council tax challenges were made, and 10 saw a subsequent reduction. To challenge your banding contact:

Valuation Office Agency
3rd Floor
Bridge House
1
Walnut Tree Close
Guildford
GU1 4AG
Surrey

Stamp Duty on Camberley properties

If you are buying a home that costs over £125,000, then you will have to pay stamp duty to HMRC. Submitting the SDLT1 form to HMRC is difficult and time consuming. The majority of purchasers get their conveyancing solicitor to do it for them.

Penalties for errors or late filing of the SDLT1 form can be as high as 30%. Quittance use case management software to ensure that SDLT is paid immediately after completion.

This table sets out stamp duty for property in Camberley:

  Average sale price (2017) Stamp Duty
Average price £404,602 £10,230.10
Average price (detached) £578,920 £18,946.00
Average new build £263,441 £3,172.05

Stamp duty relief for first-time buyers in Camberley

As from 2017, first-time buyers will not have to pay any stamp duty if the purchase price is below £300k. If you already own another property or share in a property (including outside the UK)you will be subject to a 3% SDLT surcharge. For example, if a property owner bought a second property in Camberley for the average price of £404,602 the stamp duty would be £32,368.16.

Camberley conveyancing solicitors should confirm the correct amount is calculated.

Buying a flat? Leasehold conveyancing in Camberley

New build site

Research suggests that in excess of 100,000 UK property owners are trapped by property leases with problematic lease conditions. Exponential ground rents, marriage value issues and sinking fund issues are only some of the frequent complications lying in wait for an uninformed buyer.

Erroneous leasehold advice, from a lawyer who has only ever experienced freehold matters, could lead to serious consequences.

If you intend to purchase a leasehold property, a good conveyancing solicitor in Camberley will investigate aspects of the leasehold purchase, such as reviewing the lease itself, dealing with freeholders and any recent demands for service charges and ground rent.

Ensure that you are aware of all the potential issues and costs associated with the lease with Quittance Conveyancing's leasehold conveyancing solicitor team.

Buying a 'New Build' property in Camberley?

New build site

According to data sourced by HMLR, 2 brand new properties have been bought in Camberley in 2018 so far. The average sale price of a new build property in Camberley is £198,992.

A new-build conveyancing solicitor in Camberley will need to be aware of Camberley-specific issues and new build-specific issues, including squaring developer incentives with lenders, ensuring new estate roads are adopted and registering ownership with warranty providers such as NHBC, Premier Guarantee? and Ward Cole.

Our new build conveyancing department will provide an expert appraisal of the property's legal status, looking out for considerations ranging from the home's subsequent mortgageability to likely freehold acquisition traps.

Surrey Conservation areas

When carrying out the conveyancing for a purchase in Camberley, a conveyancing solicitor will need to confirm if the property is in a conservation area in Camberley. If it is, the home will be affected by certain constraints. These constraints, called Article 4 Directions, may include a range of factors from restrictions on the use of cladding, to restrictions affecting frontal additions to the property such as a porch.

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

Your conveyancing solicitor will confirm whether the property you are buying is located in one of Camberley's conservation areas.

Conveyancing - Selling a property in Camberley

The conveyancing process on a sale of a house or flat is more straightforward than for a purchase. With a property purchase, the responsibility is on the buyer to confirm that the property's title is not legally defective.

In contrast, for a sale, conveyancing solicitors in Camberley acting for the vendor need only respond to the buyer's questions.

What could put the conveyancing process at risk?

Obstacles, like restrictive covenants, can actually protract a sale if left unresolved.

It is almost always advisable that vendors address any such problems immediately.

Useful reading:

Read more helpful advice for sellers here.

Selling a leasehold property

The legal work for a leasehold property is a great deal more complex in comparison with a freehold house.

The complexities of leasehold mean conveyancing solicitors in Camberley will need to conduct additional work, including requesting the latest service charge and ground rent statement or any details of rules covering common parts that are not contained in the lease.

To reduce delays, it is strongly advised that you contact a leasehold-specialist lawyer as soon as possible.

Can your conveyancing solicitors act for both sides?

Solicitors Regulation Authority (SRA) rules restrict a single conveyancing solicitor from working on behalf of both sides in a property sale. A CLC-regulated conveyancer, however, can act for both the buyer and the seller.

If you are buying or selling a property in Camberley, and we are acting for the other side, you may want to instruct a property solicitor firm in Camberley to undertake your legal work.

Local Camberley conveyancing solicitor directory

  • Heald Nickinson, Lansdowne House, Knoll Road, Camberley, Surrey, GU15 3SY
  • Morrisons Solicitors LLP, First Floor South, St. Georges House, Knoll Road, Camberley, Surrey, GU15 3SY
  • Neale Turk Rochfort, 12 Kings Ride, Camberley, Surrey, GU15 4JG
  • Foster Harrington Solicitors Limited, 22 Park Street, Camberley, Surrey, GU15 3PL
  • Lee & Company, 2 Princess Way, Camberley, Surrey, GU15 3SP

Conveyancing - Remortgaging a property in Camberley

Homeowners remortgage their home for a variety of reasons, such as the existing lender having refused a payment holiday, or releasing funds to help pay for home improvements. The most common reason, however, is to secure a preferential rate.

A good conveyancing solicitor in Camberley can reduce the remortgage processing time, and move you to the better rate sooner. With rate rises hard to predict, fast conveyancing can be a key consideration when getting onto your new rate as quickly as possible.

So that they can confirm that the parties' interests are protected, the property lawyer will act for both you and the new lender.

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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