Award-winning No Move, No Fee conveyancing for Camden home movers
By Gaynor Haliday, Legal researcher
Updated: October 12, 2018
Every year Quittance's expert property lawyers deliver an expert no sale, no fee service to property sellers and buyers looking for conveyancing solicitors in Camden and London.
Quittance focus on communication so you always know what's happening and our guaranteed fixed conveyancing fees means no hidden fees.
If, for whatever reason, your move does not proceed our no sale no fee guarantee means you won't incur any conveyancing solicitors' legal fees.
Camden's most communicative conveyancing service
Nearly one in two of those who participated in an InfoTrack survey did not receive acceptable levels of communication from their solicitor firm.
Regulators for Camden property solicitors are particularly focused on improving communication, and the customer service charters of the CLC and the Law Society's CQS explicitly reference better communication standards.
Despite attempts by regulators to address the issue, according to a survey carried out by the Conveyancing Association, around a quarter of transactions collapsed as the result of inefficient communication.
Our team of Camden conveyancing solicitors offer an award-winning conveyancing service. We deliver to buyers and sellers a dedicated and proactive legal service using phone, email and online, 7 days a week:
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- Unique case handling technology
- Frequent case updates by SMS, phone and email
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Updated: October 12, 2018
Camden conveyancing solicitor fees
No Move, No Fee conveyancing in Camden
Conveyancing solicitor fees are what you pay to your Camden conveyancing solicitor for handling the legal work for your move.
Do Camden conveyancing solicitors work on a fixed fee basis?
Some conveyancing solicitors in Camden work on a price per hour basis, while other property lawyers will work for a fixed fee (known as 'No Move, No Fee'). Quittance's conveyancing solicitors work on fixed legal fees (known as 'No Sale, No Fee' or 'No Move, No Fee'), with no hidden costs. Your conveyancing quote sets out all fees and other costs you will be charged when your property transaction has completed.
Are there any other costs?
You must cover the cost of any 'disbursements', on top of the conveyancing fees.
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 HMLR fees or managing agent information.
How much will the total conveyancing fees in Camden cost?
Conveyancing solicitor fees in Camden will not vary, wherever you are buying or selling in the UK. However, there may be some variation in certain disbursements. For example, specific extra searches, e.g. transport searches, may be necessary and Local Authority (LA) Search fees will vary.
With Quittance, there are absolutely no hidden costs. For a standard conveyancing transaction, the conveyancing fee we quote is the fee you pay. Calculate the conveyancing fees for your move, with our conveyancing fees calculator: Click here
Conveyancing - Buying a property in Camden
The north-west London Borough of Camden was created from the former area of the metropolitan boroughs of Hampstead, Holborn, and is arguably the most bustling and diverse of the London boroughs, home to iconic locations as Hampstead, Bloomsbury, Kentish Town and Primrose Hill. Regent's Park (and London Zoo) is within the borough and the scenic Regent's Canal cuts right through.
Being only 5 minutes from central London by tube keeps house prices high, with the average price around £1m.
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Conveyancing for buyers
The conveyancing for the purchase of a house or flat will require a conveyancing solicitor in Camden to consider a wide range of issues. Examples of such factors can range from a defective title (e.g. missing rights) to problems affecting the mortgageability (e.g. solar panel leases).
The property lawyer will report their findings back to the buyer and their bank or lender (if there is a mortgage), solve outstanding issues and ensure the title is transferred to the new owner.
The following considers the kinds of property that may be of interest to homebuyers who need conveyancing solicitors in Camden.
Your Camden conveyancing solicitor must be lender-approved
Homebuyers have many lenders available, from a large lender such as Bank of Ireland, to a niche lender like Ulster Bank. Before you appoint a Camden conveyancing solicitor, you must confirm that they can represent your lender.
A lot of banks and building societies are only prepared to work with a restricted panel of legal firms that meet stringent standards. If your solicitor is not on the panel of your lender, the lender will likely need a different legal firm to carry out the legal work.
The buyer will usually need to pay this substitute solicitor's costs, and weeks could be added to the conveyancing process.
Our solicitors can act on behalf of all banks and other lenders.
- Lloyds Bank
- Barclays Bank
- HSBC Bank
- The Royal Bank of Scotland
- Santander Bank
- Nationwide Building Society
- Halifax Bank
- All UK lenders
Searches (Camden Borough Council)
Property searches are submitted by Camden conveyancing solicitors to help to identify issues that could possibly compromise how much your home is worth.
Banks and building societies also expect conveyancing searches to be purchased. Required searches will include:
- Local Authority search - includes the LLC1 Local Land Charge Register and CON29 Enquiry Form
- Drainage & Water search - includes the position of water mains and sewers, and whether the local authority is responsible for their maintenance.
- Environmental search - shows risks within 500 metres of the property, such as toxic chemicals in the land
- 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.
Your solicitor will tell you if your chosen lender insists on any further searches, e.g. a Crossrail search or a more detailed environmental report.
The approximate delivery time for searches supplied by The London Borough of Camden is 7 weeks, so faster personal (as opposed to official) searches will be recommended.
The buyer's conveyancing solicitor will also obtain an Official Copy of the Title Register from HMLR, assisting with the identification of any issues, for example limits on the development of the property or discrepancies with the filed plan.
London Borough of Camden Council Tax
Council tax is calculated by London Borough of Camden on property value and the number of people living in the property. For example, a home in the London Borough of Camden area in Band E would pay £1,820 per annum.
A conveyancing solicitor in Camden will inform the purchaser of the property's tax band after this is confirmed by the searches.
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 £1,365.
Other discounts and exemptions may also apply, e.g. where the home is empty or unfurnished for a maximum of 60 days or where the property is occupied solely by students. A property constructed after 1991 is assessed by the Valuation Office Agency.
|Band||London Borough of Camden Tax (2018)|
Are you paying more than you should?To appeal contact:
Valuation Office Agency
93-107 Shaftesbury Avenue
Owners can apply for their property to be reassessed. A refund may be due if the property is awarded a lower band.
Stamp Duty on Camden properties
Completing the SDLT1 form yourself is hard and not for the wary.If you are buying a home that costs over £125,000, then you will have to pay SDLT to HMRC.
Quittance's integrated case management system integrates with electronic filing gateway to ensure that the SDLT is paid in full efficiently.
See stamp duty examples for properties in Camden:
|Average sale price (2017)||Stamp Duty|
|Average price (detached)||£5,016,910||£515,779.20|
|Average new build||£885,871||£34,293.55|
Stamp duty relief for first-time buyers in Camden
First-time buyer stamp duty relief is available on property purchases below £300k. If you own another property you will be subject to a 3% SDLT surcharge. For example, if an existing homeowner bought a second home in Camden for the average price of £1,099,500 the stamp duty would be £142,935.00.
Camden conveyancing solicitors should confirm the right tax is paid.
Buying a flat? Leasehold conveyancing in Camden
Over 100,000 UK homeowners have leases with unreasonable lease conditions. The many potential complications awaiting an uninformed purchaser could include incomplete management company accounts, increasing ground rents and excessive freehold premiums.
A specialist conveyancing solicitor in Camden will consider potential leasehold issues, including reviewing the lease, dealing with freeholders and ground rents and service charges.
Our team of leasehold conveyancing solicitors will work to ensure that you are aware of all the potential issues and costs associated with the lease.
Buying a 'New Build' property in Camden?
The average value of Camden new build homes is £1,543,640, according to local information gathered by HMLR. 20 brand new properties have been bought in Camden in 2018 so far.
A new-build conveyancing solicitor in Camden needs to be conscious of local Camden considerations and the complications associated with new build, e.g. dealing with delays associated with off-plan and checking planning conditions have been fulfilled.
With Quittance Conveyancing, you will get a specialist assessment of the legal status of the property, and in particular concerns ranging from the home's future marketability to likely freehold acquisition traps.
London conservation areas
Moving to a conservation area can ensure that the local neighbourhood is protected from drastic alterations. However, conservation area building controls will affect your residential property.
Referred to as Article 4 directions, these conditions could include anything from general restrictions governing the use of non-traditional materials, to restrictions on replacing roof tiles.
The local planning authority can order any non-compliant alterations to a property to be changed or removed, such as removing a newly-added dormer window.
Conservation areas in Camden include Holly Lodge Estate, Elsworthy and Alexandra Road. Your conveyancing solicitor will address whether your planned purchase is located one of Camden's conservation areas.
Conveyancing - Selling a property in Camden
The legal work involved in a sale of a house or flat is generally simpler than when buying. The purchaser will have to go through an investigation on the home. In contrast, conveyancing solicitors in Camden acting for the vendor effectively just collects all documents and information relating to the property and replies to the solicitor's standard and additional enquiries .
Factors that could delay or endanger the sale of your property
A property will frequently have a range of problems (such as restrictions on how you can use the property or not having suitable right of way) that might protract or even derail the conveyancing process.
It is not recommended that you put off finding a solution as solicitors are trained to unearth any such issues. Get advice and work to resolve it as soon as you can.
- The Essential Conveyancing Guide for Sellers in 2018
- Dispute with a neighbour? What to do before selling your home
- Selling a leasehold flat? What to do before going on the market
Read more sale conveyancing articles here.
Selling a leasehold property
The legal work for a leasehold flat or house is quite a lot more involved than for a more straightforward freehold house.
Conveyancing solicitors in Camden will also perform extra work, for example liaising with the management company to obtain the most recent annual service charge accounts, through to a copy of the lease.
To speed up the leasehold conveyancing process, it is highly recommended that you contact a leasehold-specialist lawyer as soon as an estate agent is chosen.
Can Quittance conveyancers act for both the buyer and the seller in one transaction?
Solicitors Regulation Authority (SRA) rules ban the same conveyancing solicitor from acting on both sides in a property sale and purchase. However, conveyancers who are regulated by the CLC, can act for both the buyer and the seller.
If you are buying or selling a Camden property, and we are acting for the other side, you could instruct a property solicitor firm in Camden to carry out your legal work.
Local Camden conveyancing solicitor directory
- Osbornes Solicitors LLP, Livery House, 7-9 Pratt Street, Camden Town, London, NW1 0AE
- Lewis Nedas Law Ltd, 24 Camden High Street, London, NW1 0JH
- Mbc Law Limited, Labs Camden Atrium, Chalk Farm Road, Camden Town, London, NW1 8AH
Conveyancing - Remortgaging a property in Camden
By far the most common reason people remortgage is to get a more affordable interest rate. Other reasons to think about remortgaging include moving from a standard variable rate (SVR) to a fixed-rate, or borrowing more to help pay for an extension.
You can benefit from a better rate sooner by using a more proactive conveyancing solicitor in Camden. With the future of interest rates unclear, fast conveyancing can be a critical factor in getting on to the rate you want.
To confirm that the mortgage provider's interests are protected, a property lawyer will act for both you and the mortgage lender.
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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