Award-winning No Move, No Fee conveyancing for Caterham home movers
By Gaynor Haliday , Oct 12, 2018
Whether you are buying, selling or remortgaging a property, and need conveyancing solicitors in Caterham, our expert no sale, no fee property lawyers are here to help.
We offer guaranteed fixed conveyancing fees, and because we prioritise proactive communication between all parties, you will always stay informed about how your move is progressing.
If, for whatever reason, your move does not complete our no sale no fee service means you won't incur any conveyancing solicitors' legal fees at all.
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Caterham's most communicative conveyancing service
According to a survey by the Law Society, 1 in 2 of those asked stated that poor communication unnecessarily delayed their home move.
Proactive conveyancing solicitor communication is so essential to a speedy move that the CLC Client Charter specifically prioritises resolving the problem.
Even though conveyancing the SRA and the Council for Licensed Conveyancers are addressing the problem, according to a survey commissioned by the Conveyancing Association, around a quarter of property deals never exchange due to delays caused by inadequate communication.
Our team of Caterham conveyancing solicitors deliver an unmatched property legal service. We provide the information you require by phone, email and via online case management, every day of the week:
- Lowest Caterham conveyancing solicitors fees
- Open Mon to Thurs 9am-8pm & Fri 9am-6pm
- Open weekends - Saturday (9am-1pm)
- Your dedicated lawyer's personal extension numbers
- Regular progress updates via SMS, phone and email
- Innovative case tracking system
Updated: October 12, 2018
Caterham conveyancing solicitor fees
No Move, No Fee conveyancing in Caterham
Conveyancing solicitor fees are the costs you pay conveyancing solicitors in Caterham for the legal work associated with buying or selling a property.
Are Caterham conveyancing fees and costs fixed?
Some conveyancing solicitors in Caterham work on a price per hour basis. Some conveyancers will complete the work for a fixed fee (or 'No Move, No Fee'). Our solicitors work on a guaranteed fixed conveyancing fee basis, with no nasty surprises in the small print. Your conveyancing quote explains what you will be charged when your sale or purchase completes.
What are disbursements?
In addition to conveyancing solicitor fees you will also need to budget for 'disbursements'.
Disbursements are the costs and expenses a solicitor needs to pay out on behalf of a client, such as managing agent information or bankruptcy checks.
How much will conveyancing in Caterham cost in total?
Conveyancing solicitor fees in Caterham should be the same as anywhere else in the UK. However, there may be some variation in certain disbursements. As examples, specific extra searches, such as transport searches, may be necessary and Local Authority (LA) Search fees will vary.
For a standard conveyancing transaction, what we quote is the fee you pay. With Quittance, there are no hidden fees or surprises in the small print. Work out the conveyancing fees for your move, with our conveyancing calculator: Click here
Conveyancing - Buying a property in Caterham
"Caveat emptor", or "buyer beware", was the legal principle of property law in England and Wales. Following recent changes in the law, this maxim no longer applies. However, the buyer still will need to investigate their intended purchase.
The Caterham conveyancing solicitor will give advice following their enquiries, offer pragmatic solutions and ensure the title is transferred to the new owner.
This article offers invaluable advice for buyers searching for conveyancing solicitors in Caterham.
- Conveyancing solicitors in Banstead
- Conveyancing solicitors in Oxted
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- Conveyancing solicitors in Surrey
Your Caterham conveyancing solicitor must be lender-approved
Before choosing a conveyancing solicitor in Caterham, you must confirm that they can act for your mortgage lender, whether you are obtaining a mortgage from Platform, Yorkshire Bank or any other lender.
Your solicitor may be unable to act for your mortgage lender, because some mortgage lenders are only happy to work with a select panel of firms that meet strict criteria.
If that is the case, the lender will need a different law firm to act in their interests, and you will be expected to pay this substitute solicitor's fees. This can mean the process takes much longer.
Quittance Conveyancing can carry out the legal work for all major and minor lenders.
- Lloyds Bank
- Barclays Bank
- HSBC Bank
- The Royal Bank of Scotland
- Santander Bank
- Nationwide Building Society
- Halifax Bank
- All UK lenders
Residential Property Searches (Tandridge District Council)
Property searches are submitted by Caterham conveyancing solicitors to help to identify any pertinent information that could possibly compromise the value of the property you are buying. They include:
- Local Authority (LA) search - includes a list of planning decisions that could affect the property
- Environmental search - covers environmental issues within 500m of the property, including flooding, mining subsidence and the proximity of landfill and contaminated land sites.
- Drainage & Water search - describes water mains and sewers, and confirms if these are privately maintained
- 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.
You will be made aware if your mortgage lender needs any additional searches, such as a Crossrail search or a contaminated land report.
Property purchasers can expect to wait approximately 5 weeks for property searches from Tandridge District Council, so it will be worth using a faster private search company.
Your conveyancing solicitor will obtain the Title Register from HM Land Registry. This will help to highlight planning issues, for example restrictive covenants governing the use of the property or a difference between the agent's floorplan and the title plan.
Tandridge District Council Council Tax
The council tax paid by a homeowner is based on various criteria e.g. the size of the property and the property's value as at 1 April 1991 (England) or 1 April 2003 (Wales). For example, for an average Tax Band C home in Caterham, the council tax due would be £1,671.
Caterham conveyancing solicitors will inform the purchaser of the property's 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 £1,253.
Other discounts and exemptions could also apply, e.g. unoccupied properties undergoing major repairs or where the property was left empty by a bankrupt person.
|Band||Tandridge District Council Tax (2018)|
Is it possible to appeal?Contact the VOA for more information on how to challenge your tax band:
Valuation Office Agency
67 Station Rd
Owners can ask for their property to be reassessed.
Stamp Duty on Caterham properties
Given the complexity of the SDLT1 tax return form, only the experienced would attempt to complete and file this with HM Revenue & Customs without a conveyancing solicitor's help.If the purchase price of the home you intend to buy is over the £125,000 threshold, you must pay stamp duty.
With Quittance Conveyancing you have the peace of mind that the SDLT1 return is completed correctly and quickly when your purchase completes.
This table sets out Stamp Duty Land Tax for typical property in Caterham:
|Average sale price (2017)||Stamp Duty|
|Average price (detached)||£720,391||£26,019.55|
|Average new build||£382,040||£9,102.00|
Stamp duty relief for first-time buyers in Caterham
Since the budget announcement in November 2017, if you are a first-time buyer, you only pay stamp duty on property valued at over £300,000. Higher rates of stamp duty apply to buyers of second property in the form of a 3% surcharge. So if a second home was bought for £428,000 then the stamp duty total will be £34,240.00.
Caterham conveyancing solicitors should confirm the right tax is paid.
Buying a flat? Leasehold conveyancing in Caterham
It can be risky to purchase a leasehold house or flat if you are unaware of the implications. Unreasonable ground rents, short leases and unfair developer practices are among the many traps awaiting an uninformed buyer.
A experienced conveyancing solicitor in Caterham will consider potential leasehold issues, e.g. :
- reviewing the lease itself (some documents can be centuries old)
- current-year service charge estimates
- dealing with freeholders and managing agents
- plans to collectively purchase the freehold
- short leases
Our leasehold conveyancing solicitor team will make sure that you are aware of all the potential issues and costs associated with the lease.
Buying a 'New Build' property in Caterham?
The average purchase price of Caterham new build property is £370,500. 2 newly-constructed homes have been bought in Caterham in 2018 so far.
A new-build conveyancing solicitor in Caterham must be familiar with both local considerations and new build-specific issues, such as confirming right of way over drains and sewers and handling structural guarantees.
Our award-winning team of new build conveyancers are specialists in working to tight developer deadlines and representing buyers to achieve the best outcome.
Conservation areas in Surrey
Your conveyancing solicitor will need to confirm if the residential property you are purchasing is in one of Caterham's conservation areas. If it is, the property could be affected by certain building controls. These building controls may include:
- Restrictions on painting external walls
- Restrictions on the display of advertisements
- Restrictions on the erection of outbuildings
If a property is in breach, you could be required by the local council to return the home to its earlier condition, even if the previous owner carried out the alterations.
Your conveyancing solicitor will address whether your planned purchase is located one of Caterham's conservation areas.
Conveyancing - Selling a property in Caterham
The legal work involved in a house sale usually requires less work than for a purchase. The purchaser will carry out due diligence on your home. Conveyancing solicitors in Caterham acting for the seller, however, mostly just responds to enquiries made by the buyer's solicitor.
What could put the conveyancing process at risk?
A house or flat will frequently have legal problems (for example not having full title or having right or way issues (such as being landlocked)) that might threaten the completion of a sale.
Don't shy away from finding a solution in the hope that any issues won't be spotted. Instead, you should talk to a professional and work to resolve it promptly.
- What to do before selling your 'share of freehold' flat
- The Essential Conveyancing Guide for Sellers in 2018
- Noisy neighbours? What to do before selling your home
Read more helpful advice for sellers here.
Leasehold conveyancing for a sale
The legal work for a leasehold flat is a great deal more specialised than for a freehold property.
Caterham conveyancing solicitors will also carry out additional work, such as sourcing an up-to-date service charge statement, through to any information about regulations affecting the property that are not in the lease.
It is recommended that the vendor contacts a leasehold-specialist lawyer as soon as an estate agent is chosen to reduce delays.
Can Quittance conveyancers act for both sides?
A CLC-regulated conveyancer can act for both the buyer and the seller. However, Solicitors Regulation Authority (SRA) rules prevent the same solicitor from acting on both sides in a house sale.
You can contact a property solicitor firm in Caterham to handle your legal work, if a Quittance conveyancing solicitor is carrying out the legal work for the other side.
Local Caterham conveyancing solicitor directory
- Dollman & Pritchard, 8 The Square, Caterham, Surrey, CR3 6XS
- Croudace Homes Limited, Croudace House, Tupwood Lane, Caterham, Surrey, CR3 6XQ
- Qlaw Legal Services Limited, 59 Croydon Road, Caterham, Surrey, CR3 6PD
- Posada & Co Solicitors Limited, 78 High Street, Caterham, Surrey, CR3 5UD
Conveyancing - Remortgaging a property in Caterham
Although there are many reasons to remortgage, people will usually remortgage a home to secure a preferential rate.
A good conveyancing solicitor in Caterham will complete the conveyancing quickly, and move you to the better rate sooner. With possible rate rises on the horizon, fast conveyancing can be a contributing factor to securing your preferred rate.
Your property lawyer should also be able to act for your preferred bank or building society. Our conveyancers are on the panel for all major UK lenders, so whether you are moving to a fixed-rate mortgage with the Bank of Scotland or to a joint mortgage with the Swansea Building Society, our remortgage team can assist.
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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