Award-winning No Move, No Fee conveyancing for Catterick Garrison home movers
By Gaynor Haliday, Legal researcher
Updated: October 12, 2018
Quittance offer 100% fixed conveyancing fees, and because we focus on better communication, you will always be kept in the loop about how your move is progressing.
Every year Quittance's expert property lawyers deliver a proactive no sale - no fee service to home buyers and sellers looking for conveyancing solicitors in Catterick Garrison and North Yorkshire.
Our no sale no fee guarantee means should your move not proceed, even if you decide to pull out, you won't incur any conveyancing solicitors' legal fees at all.
Catterick Garrison's most communicative conveyancing service
Approximately 50% of those contacted for a survey conducted by InfoTrack did not receive sufficient communication from their solicitor or licensed conveyancer.
The client service charters of both the Law Society's CQS and the Council for Licensed Conveyancers are particularly focused on conveyancing solicitor communication.
Despite attempts by regulators (including the SRA and CLC) to address the issue, according to a Conveyancing Association survey of 1,500 people, 46% of homemovers thought that their sale or purchase would have completed sooner with more efficient communication.
Our Catterick Garrison conveyancing solicitors aim to deliver a proactive and informative conveyancing service by phone, email and via online case management, every day of the week:
- Lowest Catterick Garrison conveyancing solicitor fees
- We are open weekends - Saturday (9am-1pm)
- Open Mon to Thurs 9am-8pm & Fri 9am-6pm
- Market-leading technology to track your case
- Regular progress updates by your chosen method (including SMS, phone and email)
- Your dedicated lawyer's direct line
Updated: October 12, 2018
Catterick Garrison conveyancing solicitor fees and costs
No Move, No Fee conveyancing in Catterick Garrison
Conveyancing solicitor fees are the charges you pay to your Catterick Garrison conveyancing solicitor for the legal work associated with moving home.
How are Catterick Garrison conveyancing fees calculated?
Some conveyancing solicitors in Catterick Garrison will work on a cost per hour basis, and other firms will work for a fixed fee ('No Move, No Fee'). Our solicitors work on fixed legal fees (known as 'No Sale, No Fee' or 'No Move, No Fee'), with no nasty surprises in the small print. Your conveyancing quote will set out all fees and other costs you will be charged when your sale or purchase goes through.
Are there any other costs in addition to conveyancing fees?
In addition to conveyancing solicitor fees you will also have to cover any '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 local authority searches or office copies and title plans.
How much will conveyancing in Catterick Garrison cost in total?
Though conveyancing fees in Catterick Garrison will be the same as anywhere else in the country, there can be variation in the disbursements required. For example, specific extra searches, such as a flood plain search, may be necessary and Local Authority Search fees can vary.
There are no hidden fees or nasty surprises with Quittance. For a standard sale or purchase, the conveyancing fee we quote is the fee you pay. To calculate your conveyancing fees, try our conveyancing fees quote calculator: Click here
Conveyancing - Buying a property in Catterick Garrison
When carrying out the legal work for a property purchase, a conveyancing solicitor in Catterick Garrison will investigate the legal ownership rights or 'title' of the property and make their "report on title".
The purchaser's solicitor will make recommendations following their enquiries, help with resolving any problems and ensure the title is transferred to the new owner.
This section discusses the aspects of the legal process for conveyancing solicitors in Catterick Garrison where specialist conveyancing skills may be needed.
- Conveyancing solicitors in Middlesbrough
- Conveyancing solicitors in Richmond Upon Thames
- Conveyancing solicitors in Scarborough
- Conveyancing solicitors in York
- Conveyancing solicitors in North Yorkshire
Your Catterick Garrison conveyancing solicitor must be lender-approved
Irrespective of whether you are getting a mortgage from NatWest, Coutts Finance or any other lender, before you appoint a Catterick Garrison conveyancing solicitor it is vital that you check that they can act on behalf of your lender.
The majority of banks and building societies will only accept a selected list (known as a 'lender panel') of legal firms. If a conveyancer can't act for your lender, the lender will probably need an alternative legal firm to complete the legal work.
The home buyer will be expected to pay this alternative solicitor's costs and significant delays to your move could occur.
Our conveyancing 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
Richmondshire Council searches
Property searches (sometimes referred to as 'conveyancing searches') are questions submitted to public bodies by Catterick Garrison conveyancing solicitors to help uncover relevant information about your new home.
Searches are primarily performed to meet the mortgage lender's criteria. These searches include the local authority (LA) search, environmental search, drainage & water search and chancel repair liability.
Homebuyers will be made aware if your chosen lender insists on any further searches, for example an HS2 search or a more detailed environmental report.
Richmondshire Council has a typical lead time of 7 weeks for LA searches, so your solicitor will instead order faster regulated searches.
Checking planning status
The conveyancing solicitor acting for the buyer will also obtain the Title Register from HMLR. This will help to identify potential planning issues, such as rights or restrictions on how the property may be used or outbuildings lying outside the boundary.
Richmondshire Council Tax
Richmondshire calculate your council tax based on various criteria e.g. the size and character of the home and the property's value as at 1 April 1991 (England) or 1 April 2003 (Wales). For example, for an average Valuation Band D property in Catterick Garrison, the council tax would be £1,793.
A conveyancing solicitor in Catterick Garrison will inform the buyer of the property's tax 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 reduces the tax due to 75% which would equal £1,344.
Other discounts and exemptions may also apply, for example unoccupied properties undergoing major repairs or if the property is occupied by someone who is seriously mentally impaired.
|Band||Richmondshire Tax (2018)|
Could you be overpaying?To appeal contact:
Valuation Office Agency
St. Marks House
St. Marks Court
A homeowner can challenge the council tax band after moving in. Between April 2016 and April 2017, 20 council tax challenges were made. 10 were approved and the tax was reduced.
Stamp Duty on Catterick Garrison properties
Stamp Duty Land Tax works in a similar fashion to income tax insofar as a buyer will pay progressively more tax for a higher-value house. 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.
Our post-completion conveyancing team use case management system to ensure the SDLT1 tax return is submitted to HM Revenue & Customs as quickly as possible.
The following table illustrates Stamp Duty Land Tax examples for average properties in Catterick Garrison:
|Average sale price (2017)||SDLT|
|Average price (detached)||£215,239||£1,804.78|
|Average new build||£170,764||£915.28|
Stamp duty relief for first-time buyers in Catterick Garrison
Since 2017, first-time buyers only need to pay stamp duty on residential properties valued over £300k. Since 1st April 2016, buyers of second homes are subject to a 3% stamp duty surcharge, even if the property is not let out. Therefore, if a homeowner in Catterick Garrison bought a second property for the average price of £152,094 the SDLT would be £7,604.70.
Catterick Garrison conveyancing solicitors should confirm the correct calculation is made.
Buying a flat? Leasehold conveyancing in Catterick Garrison
The potential pitfalls of leasehold property ownership remain of serious concern. The many potential traps lying in wait for the unsuspecting purchaser can include doubling ground rents, onerous clauses in the lease and sinking fund issues.
If you intend to purchase a property with a lease, a specialist conveyancing solicitor in Catterick Garrison will consider possible leasehold issues, e.g. sometimes ancient and arcane lease documents, absent freeholders and possible service charge shortfalls.
Ensure that you are fully-informed regarding your decision to buy a leasehold property with our leasehold conveyancing solicitors.
Buying a 'New Build' property in Catterick Garrison?
The average sale price of new build homes in Catterick Garrison is £234,967, based on data published by Her Majesty's Land Registry. 3 brand new properties have been bought in Catterick Garrison in 2018 so far.
A new-build conveyancing solicitor in Catterick Garrison needs to be conscious of regional issues and new build-specific issues, including ensuring compliance with planning regulations, ensuring that new build mortgage conditions are met and working with warranty providers such as NHBC, Building Zone and ACHI.
Our specialist team of new build conveyancers deliver an impartial view of the property's legal status, looking out for issues ranging from the home's subsequent resaleability to excessive ground rent and service charges (where applicable).
Conservation areas in North Yorkshire
When acting for the purchaser of a property in Catterick Garrison, a conveyancing solicitor will need to check whether the property is in a conservation area in Catterick Garrison. If it is, the home will be affected by certain building controls. Called Article 4 directions, these building controls may include a range of factors from restrictions on the use of cladding, to restrictions on door and window styles.
The new owner could be ordered to pay for necessary changes to bring a property in line with current regulations, even where the alterations were made by the previous owner.
Your conveyancing solicitor will confirm whether the property you are buying is located in one of Catterick Garrison's conservation areas.
Conveyancing - Selling a property in Catterick Garrison
The legal process for a sale of a house or flat is less difficult than for a purchase. When a house or flat changes hands, the responsibility lies with the purchaser to discover whether the property is mortgageable and free from legal issues.
In contrast, for a sale, conveyancing solicitors in Catterick Garrison acting for the existing owner just answer any enquiries made by the buyer's solicitor.
What factors could threaten your sale?
A home can face any number of possible difficulties (e.g. not being connected to the main sewers) that might protract or even derail the conveyancing process.
It is usually a good idea for vendors to handle these issues without delay.
- What to do if selling a home without planning permission
- The Essential Conveyancing Guide for Sellers in 2018
- Noisy neighbours? What to do before selling your home
Read more conveyancing advice for sellers.
Sale conveyancing for a leasehold property
The legal work for a leasehold flat (leasehold houses are uncommon) is quite a lot more complex than it is for a freehold home.
The complex nature of leasehold property means that conveyancing solicitors in Catterick Garrison will need to conduct additional legal work, which could include sourcing all relevant freeholder information, through to a copy of any required license to assign.
To accelerate the handling of the leasehold work, it is recommended that you contact leasehold-specialist property lawyer as soon as possible.
Can your conveyancing solicitors act for both the buyer and the seller of the same home?
A CLC-regulated conveyancer can act for both the buyer and the seller. However, SRA regulations ban a single conveyancing solicitor from working on behalf of both sides in a property sale and purchase.
If you are buying or selling a property in Catterick Garrison, and we are acting for the other side, you can contact a local Catterick Garrison conveyancing solicitor firm to carry out your legal work.
Local Catterick Garrison conveyancing solicitor directory
- Scotts Wright Limited, 22 Richmond Road, Catterick Garrison, North Yorkshire, DL9 3JD
- Clark Willis Law Firm LLP, Unit 5, Battalion Court, Colburn Business Park, Catterick Garrison, North Yorkshire, DL9 4QN
Conveyancing - Remortgaging a property in Catterick Garrison
Homeowners remortgage a home for a variety of reasons, for example releasing funds to help kids get on the property ladder, or the existing lender having refused a payment holiday. By far the most common reason, however, is simply to get a better rate.
A proactive conveyancing solicitor in Catterick Garrison will complete the conveyancing quickly, perhaps saving you from a payment or two at your old rate. With the base rate now at 0.5% (May 2018) and the future of interest rates unclear, fast conveyancing can be a contributing factor to securing the rate you want.
The property lawyer conducting the legal work must also be able to act on behalf of the new mortgage lender. Our conveyancing team are panel members of all major banks and building societies. So whether you are moving to a fixed-rate mortgage with the Co-operative Bank or to a variable-rate mortgage with the Coventry 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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