Award-winning No Move, No Fee conveyancing for Canvey Island home movers
By Gaynor Haliday, Legal researcher
Updated: October 12, 2018
Quittance Conveyancing proactive communication to keep you updated 24/7 and our guaranteed fixed conveyancing fees service means no hidden costs.
Every year Quittance's expert property lawyers deliver a proactive No Sale, No Fee service to residential property buyers and sellers looking for conveyancing solicitors in Canvey Island and across Essex.
If, for any reason at all, your sale or purchase does not proceed our no sale no fee service means you won't have to pay any conveyancing solicitors' fees.
Canvey Island's most communicative conveyancing service
Unresponsive property lawyer communication is one of the most stressful aspects of the home buying and selling process.
The Law Society's 'Conveyancing Quality Scheme' formal client charter makes specific mention of encouraging better conveyancing solicitor communication.
Even though conveyancing regulators are addressing the problem, a survey commissioned by the Conveyancing Association ascertained 43191 of conveyancing transactions fail as the result of delays caused by poor communication.
Keeping you informed
Our Canvey Island conveyancing solicitors offer the most proactive and client-friendly property legal service in the UK. We provide the answers you need 7 days a week, using the contact method of your choice:
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Updated: October 12, 2018
Canvey Island conveyancing solicitor fees
No Move, No Fee conveyancing in Canvey Island
Conveyancing solicitor fees are paid to your Canvey Island conveyancing solicitor for the legal work associated with moving home.
Do Canvey Island conveyancing solicitors work on a fixed fee basis?
We work on a No Sale, No Fee basis with no hidden extras, unlike some other conveyancing solicitors in Canvey Island who offer services on a fees per hour basis. Your conveyancing quote will set out exactly what you will need to pay when your house or flat sale completes.
Are there any other costs?
In addition to conveyancing solicitor fees you will also have to cover any 'disbursements'.
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 property searches or indemnity insurance.
How much will the total Canvey Island solicitor conveyancing fees be?
Conveyancing fees in Canvey Island will be the same as anywhere else in the country. There may, however, be some variation in certain disbursements. For example, Local Authority Search fees can vary and specific extra searches, e.g. a Coal Authority search, may be necessary.
For a standard home sale or purchase, the conveyancing fee we quote is the fee you pay. There are no hidden fees or nasty surprises with Quittance. To calculate the conveyancing fees for your move, try our conveyancing fees quote calculator: Click here
Conveyancing - Buying a property in Canvey Island
Recent changes to the law mean that a seller is obliged to reveal any property defects or disputes to their estate agent and to the purchaser.
That said, it remains the responsibility of a Canvey Island conveyancing solicitor to carry out due diligence on the property, report back to the buyer and the lender, deal with any legal problems and register the title in the new owner's name.
This section considers those areas of the legal process for conveyancing solicitors in Canvey Island that demand specialist knowledge.
- Conveyancing solicitors in Rayleigh
- Conveyancing solicitors in Thurrock
- Conveyancing solicitors in Wickford
- Conveyancing solicitors in Essex
Your Canvey Island conveyancing solicitor must be lender-approved
Whether your mortgage is with a major lender like the Scottish Building Society or a less common mortgage lender such as Precise Mortgages, before choosing a conveyancing solicitor in Canvey Island it is vital that you check that they are on the approved solicitor panel of your mortgage lender.
Your solicitor may not be able to carry out the legal work on behalf of your mortgage lender, because some mortgage lenders are only happy to work with a restricted panel of legal firms that meet strict criteria.
If this is the case, the lender will require an alternative law firm to complete the legal work, and you will be expected to pay this alternate lawyer's costs. Adding another solicitor to the process can delay the whole purchase.
Quittance Conveyancing are approved to act for all mortgage providers.
- Lloyds Bank
- Barclays Bank
- HSBC Bank
- The Royal Bank of Scotland
- Santander Bank
- Nationwide Building Society
- Halifax Bank
- All UK lenders
Property Searches (Castle Point Council)
Property searches are applied for by Canvey Island conveyancing solicitors to identify issues that might potentially have an impact on how much your property is worth.
These searches include the local authority (LA) search, drainage & water search, environmental search and chancel repair liability.
You will be notified if your chosen lender insists on any additional searches, e.g. a highways search or an agricultural search.
Castle Point Council has a usual lead time of 6 weeks for conveyancing searches. Your conveyancer will alternatively recommend using a faster search agent.
Office copies will also be obtained by the conveyancing solicitor acting for the buyer. This will help to identify any issues. These issues could include the title plan showing only very general boundaries or restrictions that limit alterations.
Castle Point Council Council Tax
Council tax is calculated by Castle Point Council on property value and the number of people living in the property. For instance for an average Band C property in Canvey Island, the amount due would be £1,529.
Conveyancing solicitors in Canvey Island will inform a buyer of the property's band as soon as they are 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 £1,146.
Other discounts and exemptions may also apply, for example a 10% discount for second homes or if the resident is living in long term residential care. More recently-built property is assessed by the Valuation Office Agency (VOA) and allocated a banding.
|Band||Castle Point Council Tax (2018)|
Can you challenge the council tax bracket?To challenge your banding contact:
Valuation Office Agency
In 2016/17, 30 council tax challenges were made. 10 saw a reduction.
Stamp Duty on Canvey Island properties
The current stamp duty threshold for residential properties is £125k. The buyer's conveyancing solicitor will ensure that the stamp duty is correctly calculated and is paid to HMRC. This occurs once the property sale has completed.
Quittance Conveyancing's state-of-the-art case management system are fully integrated with HM Revenue and Customs (HMRC)'s electronic filing gateway.
The following table illustrates SDLT examples for average properties in Canvey Island:
|Average sale price (2017)||SDLT|
|Average price (detached)||£288,773||£4,438.65|
|Average new build||-||-|
Stamp duty relief for first-time buyers in Canvey Island
Since 2017, if you are a first-time buyer, you only pay stamp duty on property valued at over £300,000. If you already own another home or share in a home you will be subject to a 3% surcharge. So if a second home was bought for £263,647 then the SDLT total will be £21,091.76.
Canvey Island conveyancing solicitors will ensure the right amount is calculated.
Buying a flat? Leasehold conveyancing in Canvey Island
The potential pitfalls of purchasing a leasehold property should be of serious concern for leasehold property purchasers. Numerous technical obstacles may be awaiting an uninformed buyer, including overpriced managing agent packs, doubling ground rents and onerous covenants.
If you intend to buy a leasehold property, a experienced conveyancing solicitor in Canvey Island will consider possible leasehold issues, e.g. managing agent practices, understanding regional and era-specific nuances of leases and sinking funds.
Our leasehold conveyancing solicitors will make sure that you are fully-informed regarding your decision to buy a leasehold property.
Buying a 'New Build' property in Canvey Island?
Based on data collated by the HM Land Registry, the average value of new build properties in Canvey Island is -. - new builds -.
A new-build conveyancing solicitor in Canvey Island must be familiar with both local Canvey Island issues as well as new build-specific issues, e.g. dealing with incomplete service connection agreements and handling deposits.
Our highly qualified team of new build conveyancers are experts in helping new build purchasers obtain the best possible terms and meeting short developer deadlines.
Essex Conservation areas
When acting for the buyer of a home in Canvey Island, a conveyancing solicitor will confirm whether the home is in one of Canvey Island's conservation areas. If it is, the property could be affected by certain conditions. These conditions, called Article 4 Directions, can include a wide range of constraints from restrictions preventing the addition of new access, to restrictions on replacing windows.
If a property is in breach, the owner could be required to pay for the property to be changed back to the state it was in before the recent alterations, even if the previous owner carried out the alterations.
Quittance's conveyancing solicitors will address whether the home you plan to buy is located in a conservation area in Canvey Island.
Conveyancing - Selling a property in Canvey Island
The conveyancing process on a sale of a house or flat is more straightforward than when buying. For a house purchase, caveat-emptor' means that the onus is solely on the buyer to satisfy themselves that the title of the property can be mortgaged and is free from legal issues.
With a sale, conveyancing solicitors in Canvey Island acting for the person selling only need to answer questions set by the buyer's conveyancing solicitor.
What could go wrong?
Homes can face many problems (such as a complex 'Green Deal' or parking issues or disputes) that can jeopardise the sale process.
Generally speaking, it is a good idea for sellers to face such issues head on and fix them.
- Noisy neighbours? What to do before selling your home
- The Essential Conveyancing Guide for Sellers in 2018
- Noisy neighbours? What to do before selling your home
For more conveyancing advice for sellers click here.
The conveyancing process for a leasehold flat or house is quite a lot more complicated in comparison with a freehold house.
Conveyancing solicitors in Canvey Island must usually carry out further legal work, including getting the latest service charge and ground rent statement, through to a copy of any notices served on the leaseholder.
Vendors should instruct a solicitor as soon as possible to help mitigate (somewhat inevitable) leasehold delays.
What if Quittance is acting for the other side?
Conveyancers regulated by the CLC can act for both the buyer and the seller. However, SRA rules prevent a single conveyancing solicitor from acting on both sides in a house sale and purchase.
You may wish to contact a law firm in Canvey Island to undertake your legal work, if a Quittance conveyancing solicitor is acting for the other side.
Local Canvey Island conveyancing solicitor directory
- Harvey Copping & Harrison LLP, 9 Knightswick Road, Canvey Island, Essex, SS8 9PA
- Hook & Partners, 92-98 High Street, Canvey Island, Essex, SS8 7SU
- Tyler Law Limited, 91 Furtherwick Road, Canvey Island, Essex, SS8 7AY
Conveyancing - Remortgaging a property in Canvey Island
Whilst there are many reasons to consider remortgaging, homeowners will generally remortgage a home to lower their monthly repayments.
A good conveyancing solicitor in Canvey Island can reduce the remortgage processing time, and move you to the better rate sooner. With the Bank of England base rate now at 0.5% (May 2018), fast conveyancing can be a key consideration when securing the rate you want.
The property lawyer carrying out your remortgage should also be able to act for your chosen mortgage provider. Quittance Conveyancing are on the panel for all major lenders. So whether you are moving to a fixed-rate mortgage with RBS or to a repayment mortgage with Virgin Money, our remortgage specialists can help.
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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