Award-winning No Move, No Fee conveyancing for Chadderton home movers
By Gaynor Haliday, Legal researcher
Updated: October 12, 2018
Whether you are buying or selling a house or flat, and need conveyancing solicitors in Chadderton, our award-winning no sale, no fee property lawyers can help.
We believe that proactive communication is the key to a stress free move and our guaranteed fixed conveyancing fees means no hidden fees.
Our no move no fee guarantee means that if your move does not go ahead, you won't incur any conveyancing solicitors' legal fees.
Chadderton's most communicative conveyancing service
Nearly 1 in 2 of the participants in a survey conducted by InfoTrack complained about poor solicitor communication.
The Law Society's CQS client charter is geared towards encouraging better conveyancing solicitor communication.
Despite this, according to a survey carried out by the Conveyancing Association, 43191 of home purchases and sales never exchange as the result of poor communication.
Keeping you informed
Our Chadderton conveyancing solicitors provide an award-winning property legal service. We strive to deliver to you the answers you need wherever you are, through your preferred medium, 7 days a week:
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Updated: October 12, 2018
Chadderton conveyancing solicitor fees and costs
No Move, No Fee conveyancing in Chadderton
Conveyancing solicitor fees will be paid to your Chadderton conveyancing solicitor for carrying out the legal work for a property transaction.
Are Chadderton conveyancing fees and costs fixed?
Some conveyancing solicitors in Chadderton will work on a price per hour basis. We work on a fixed No Sale, No Fee conveyancing basis, with no nasty surprises in the small print. Your quote will set out what fees you will need to pay when your property transaction has completed.
Besides conveyancing fees, what other costs are there?
You will have to pay any 'disbursements', in addition to conveyancing solicitor fees.
Disbursements are fees, costs or taxes the conveyancing solicitor will have to pay to other organisations as part of the house-buying and selling process, such as office copies and title plans or local authority searches.
How much will the total Chadderton solicitor conveyancing fees be?
Whilst conveyancing fees in Chadderton will be the same as anywhere else in the UK, there may be some variation in certain disbursements. For example, additional region-specific searches, such as a historic mining search, may be needed and Local Authority (LA) Search fees will vary.
For a standard sale or purchase, what we quote is the fee you pay. There are no hidden costs or nasty surprises with Quittance Conveyancing. Calculate the conveyancing fees for your move, with our conveyancing fees calculator: Click here
Conveyancing - Buying a property in Chadderton
A seller is now required to disclose issues that could affect the value or enjoyment of their property to the prospective buyer.
That said, it remains the responsibility of the Chadderton conveyancing solicitor to make enquiries about the property, make their "report on title", deal with any legal issues and confirm that the legal title passes to the new owner.
The following section discusses the kinds of property which may involve additional risk for buyers who need conveyancing solicitors in Chadderton.
Your Chadderton conveyancing solicitor must be lender-approved
Before you instruct a Chadderton conveyancing solicitor, it is paramount that you confirm that they can act for your lender, whether you are getting a mortgage from the Buckinghamshire Building Society, the HSBC or any other lender.
Most banks and building societies are only happy to work with a select panel of legal firms that meet stringent standards. If your conveyancer is not on the panel of your lender, the lender will require an alternative solicitor firm to complete the legal work.
The buyer will be expected to pay this alternative solicitor's costs and the conveyancing process could take much longer.
Our conveyancing solicitors can carry out the legal work for all major and minor mortgage 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 (Oldham Metropolitan Borough Council)
Residential property searches are questions asked of various bodies by Chadderton conveyancing solicitors to give details about your new home. They include:
|Local Authority (LA) search||reveals issues like whether the adjoining road and pavement are publicly maintained|
|Environmental search||exposes whether the land around the property (500m radius) has been affected by subsidence, flooding or has been identified as "contaminated land"|
|Drainage & Water search||covers the location of water pipes and drains, and reveals if the upkeep for these falls on the owner or local council.|
|Chancel repair liability||insurance is arranged to protect the buyer against any liability for local parish church repairs.|
Your lawyer will notify you if your lender requires any additional searches, such as a Crossrail search or a ground stability report.
Property purchasers can expect a lead time of approximately 4 weeks for conveyancing searches delivered by Oldham Metropolitan Borough Council. Your solicitor will instead apply for personal searches, which are usually faster.
The buyer's conveyancing solicitor will request an 'Official Copy of the Title Register' from HMLR. This will help to highlight any planning issues. Examples of these include that a restrictive covenant has been breached or the title plan showing only very general boundaries.
Oldham Metropolitan Borough Council Council Tax
The amount of council tax a homeowner in Chadderton will pay to Oldham Metropolitan Borough Council will depend on the property's value and the number of residents. The occupier of a property in Band E, for example, would owe annual council tax of £2,211.
A conveyancing solicitor in Chadderton will inform the purchaser of the home's tax band once they are made aware.
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 £1,658.
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 was left empty by a bankrupt person. The Valuation Office Agency assess bandings for newly-built homes, and where the owner has requested a revaluation.
|Band||Oldham Metropolitan Borough Council Tax (2018)|
Can I dispute my band?To appeal contact:
Valuation Office Agency
53 Manchester One
The Valuation Office Agency (VOA) should reassess a property's band on request.
Stamp Duty on Chadderton properties
The vast majority of people will have their conveyancing solicitor complete the SDLT1 return on their behalf.Stamp Duty Land Tax is a tax payable on all UK properties where the purchase price exceeds £125,000 (£145,000 in Scotland).
Our post-completion conveyancing team use integrated case management system to ensure the SDLT1 tax return is submitted to HMRC as quickly as possible.
See examples for Greater Manchester properties:
|Average selling price (2017)||SDLT|
|Average price (detached)||£190,751||£1,315.02|
|Average new build||£268,317||£3,415.85|
Stamp duty relief for first-time buyers in Chadderton
Relief is available on home purchases below £300k for first-time buyers with relief up to £500,000 in some areas.
Chadderton conveyancing solicitors will ensure an accurate calculation is made.
Buying a flat? Leasehold conveyancing in Chadderton
The potential risks of leasehold property ownership should be of serious concern for leasehold property purchasers. Numerous legal issues could be lying in wait for an uninformed purchaser, such as:
- unreasonable ground rents
- unreasonable lease extension premiums
- sinking fund issues
- reversionary interests
If you are planning to buy a house or flat with a lease, a good conveyancing solicitor in Chadderton will investigate aspects of the leasehold purchase, such as reviewing correspondence between the freeholder and leaseholder, sometimes ancient and arcane lease documents and share of freehold complexity.
Make sure that you are fully-informed regarding your planned purchase - You can call our specialist leasehold conveyancing solicitors today on 0800 612 0377.
Buying a 'New Build' property in Chadderton?
The average purchase price of Chadderton new build property is £268,317. 3033 newly-constructed homes were purchased in Cheadle Hulme last year.
A new-build conveyancing solicitor in Chadderton must be well-versed in Chadderton-specific issues and the extra complexities of new build, such as verifying rights of access and handling reservation fees.
Our award-winning conveyancing team are experts in helping the buyer get the best possible purchase terms and working to developer exchange timeframes.
Conservation areas in Lancashire
When acting for the buyer of a home in Chadderton, a conveyancing solicitor will confirm whether the home is in one of Chadderton's conservation areas. If it is, the house will be affected by certain restrictions. Called Article 4 directions, these restrictions may include anything from general restrictions governing the use of non-traditional materials, 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 if the previous owner was responsible for the changes.
Quittance's conveyancing solicitors will address whether the home you plan to buy is located in a conservation area in Chadderton.
Conveyancing - Selling a property in Chadderton
The legal work involved in a sale of a house or flat is simpler than for a property purchase. The buyer's conveyancing solicitor will carry out extensive research on the property. In contrast, conveyancing solicitors in Chadderton acting for the vendor effectively just responds to enquiries made by the buyer's solicitor.
What can you do to give yourself the best chances of success?
Common obstacles, like parking issues or disputes or not being insurable, can seriously threaten your home move if not dealt with promptly.
It is generally a good idea that vendors handle such issues as soon as they come to light.
- Boundary disputes - what to do before selling your home
- The Essential Conveyancing Guide for Sellers in 2018
- Selling a Green Deal property? What you need to know
Read more helpful advice for sellers here.
The legal work for a leasehold flat is much more difficult than it is for a freehold home.
The complexities of leasehold mean conveyancing solicitors in Chadderton must carry out additional tasks, for example obtaining an up-to-date service charge statement or the minutes of the last AGM (if there is a management company).
It is recommended that the seller instructs a conveyancer with leasehold experience as soon as an estate agent is chosen to reduce delays.
Can your conveyancing solicitors act for the buyer and the vendor of the same home?
A conveyancer who is regulated by the CLC can act for both parties. However, SRA regulations restrict the same solicitor from working on behalf of both sides in a house sale.
If you are buying or selling a Chadderton property, and a Quittance conveyancing solicitor is acting for the other side, you could instruct a property solicitor firm in Chadderton to carry out your legal work.
Local Chadderton conveyancing solicitor directory
- Dwl Legal Circle Limited, 1st Floor, 498 Broadway, Chadderton, Oldham, Greater Manchester, Lancashire, OL9 9PY
Conveyancing - Remortgaging a property in Chadderton
By far the most common reason homeowners remortgage a home is to lower their monthly repayments. There are a number of other reasons to switch lenders or mortgage deals, such as releasing capital to pay off other debts, or getting onto a longer fixed-rate term.
Homeowners can benefit from a lower rate sooner by using a more efficient conveyancing solicitor in Chadderton, shortening the time the conveyancing takes. 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.
Your property lawyer needs to be able to act for your chosen mortgage provider. Quittance Conveyancing are on the panel for all major UK lenders, so whether you are moving to a variable-rate with the NatWest or to a fixed-rate mortgage with the Leeds Building Society, we 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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