Updated: October 12, 2018

Chatham conveyancing solicitor fees

No Move, No Fee conveyancing in Chatham

Conveyancing solicitor fees will be paid to conveyancing solicitors in Chatham for the legal work for a home sale or purchase.

Do Chatham conveyancing solicitors work on a fixed fee basis?

Quittance's conveyancing solicitors work on a fixed No Sale, No Fee basis with no nasty surprises in the small print, unlike some other conveyancing solicitors in Chatham who will work on a fees per hour basis. Your quote will set out all fees and disbursements you will need to pay when your property transaction has completed.

Are there any other costs?

You will have to pay any 'disbursements', in addition to the legal 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 bankruptcy checks or office copies.

See: How much should conveyancing fees cost?

How much will conveyancing in Chatham cost in total?

Though conveyancing fees in Chatham will be the same as anywhere else in the UK, the disbursements required can vary. For example, additional region-specific searches, e.g. transport searches, may be needed and Local Authority Search fees can vary.

With Quittance, there are no hidden costs or nasty surprises. For a standard sale or purchase, the fees we quote are the fees you pay. Work out the conveyancing fees for your move, with our conveyancing calculator: Click here

Quittance's conveyancing fees were considerably cheaper than the Estate Agent's recommended solicitor's fees

Conveyancing - Buying a property in Chatham

Caveat emptor (buyer beware), was a fundamental principle of English property law. Following recent changes in the law, this principle no longer applies. However, it is still the duty of a buyer's solicitor to undertake due diligence on the property to be purchased.

The Chatham conveyancing solicitor will offer professional advice following their enquiries, find solutions to outstanding defects and other issues and confirm that the Land Registry's record of the property is updated.

This part of the article examines those areas of the legal process for conveyancing solicitors in Chatham that need specialist knowledge.

Your Chatham conveyancing solicitor must be lender-approved

Regardless of whether you are getting a mortgage from Pepper Money, Lloyds Bank or any other lender, before instructing a Chatham conveyancing solicitor it is very important that you make sure that they are approved by your chosen lender.

Quite a few banks and building societies only accept a selected list (known as a 'panel') of firms that pass strict selection criteria. If a conveyancer cannot act for your chosen lender, the lender will need an alternative solicitor firm to carry out the legal work.

The buyer will usually need to pay this second solicitor's costs, and weeks could be added to the conveyancing process.

Neglecting to check your property solicitor's lender panel status could result in significant delays.

Our conveyancing solicitors can carry out the legal work for all major and minor banks and other lenders.

Medway Council searches and other searches

Searches are questions asked of various bodies by Chatham conveyancing solicitors to identify information and potential issues affecting the property being purchased.

These searches include the local authority (LA) search, drainage & water search, environmental search and chancel repair liability.

Further searches, such as a radon gas search or an agricultural search, may also be referred to in the initial LA and Environmental searches.

Purchasers can expect to wait approximately 5 weeks for Residential property searches provided by Medway Council, so quicker regulated searches will be recommended.

Planning searches

Official Entries will also be obtained by the conveyancing solicitor acting for the buyer. This will help to identify planning issues. Examples of these include outbuildings lying outside the boundary or limits on the development of the property.

Medway Council Council Tax

Medway Council calculate your council tax based on a number of factors including the size of the home and the property's value as at 1 April 1991. For instance for an average Band D home in Chatham, the council tax amount would be £1,624 per year.

A conveyancing solicitor in Chatham will inform a buyer of the property's band as soon as they are made aware.

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 £1,218.

Other discounts and exemptions may also apply, for example a 10% discount for second homes or if an occupier is a student nurse.

Band Medway Council Tax (2018)
A £1,083
B £1,263
C £1,444
D £1,624
E £1,985
F £2,346
G £2,707
H £3,249

Can I challenge my valuation?

The Valuation Office Agency (VOA) should reassess a property's band on request. To appeal contact:

Valuation Office Agency
Anchorage House
High St
Chatham
ME4 4WD
Kent

Stamp Duty on Chatham properties

The normal process is for the conveyancing solicitor to complete the SDLT administration. Buyers can complete the SDLT1 themselves but it is not recommended due to the complexity of the form.

The threshold for Stamp Duty Land Tax for a home is £125,000.

Quittance Conveyancing use smart case management systems to make sure that mistakes are not made on the Stamp Duty Land Tax process.

See SDLT examples for homes in Chatham:

  Average sale price (2018 to date) Stamp Duty
Average price £231,828 £2,136.56
Average price (detached) £435,050 £11,752.50
Average new build £116,250 £0.00
If you are buying a second home for more than £40,000 then you will have to pay a 3% surcharge. E.g. if a second property was bought for £231,828 then the stamp duty including the surcharge would be £11,591.40. .

Stamp duty relief for first-time buyers in Chatham

Since 11/17, if you are a first-time buyer, you only pay stamp duty on property valued at over £300,000.

Conveyancing solicitors in Chatham should ensure the right tax is paid.

Buying a flat? Leasehold conveyancing in Chatham

New build site

It can be costly to purchase a leasehold home without knowing what you are getting into. The many potential traps lying in wait for an uninformed purchaser include exponential ground rents and leases with fewer than 80 years to run.

Serious consequences can result from a solicitor's bad leasehold advice.

If you are planning to purchase a house or flat with a lease, a specialist conveyancing solicitor in Chatham will consider potential leasehold issues, such as :

  • sometimes ancient and arcane lease documents
  • any recent demands for service charges and ground rent
  • managing agent or landlord enquiries
  • buildings insurance apportionments

Ensure that you are fully-informed regarding your decision to buy a leasehold property thanks to our specialist leasehold conveyancing solicitors.

Buying a 'New Build' property in Chatham?

House being built

The average price for a new build in Chatham is £116,250. 9 newly-constructed homes have been bought in Chatham in 2018 so far.

The legal work for purchasing a new build property requires more technical knowledge than 'standard conveyancing'. To avoid potential problems a conveyancing solicitor in Chatham should be aware of local issues and will need to investigate several key factors, like dealing with lender conditions and administering Help to Buy purchases.

Quittance Conveyancing deliver an expert appraisal of the legal title of the property, scrutinising contract issues ranging from the home's future marketability to an assessment of other risks, such as flood risk.

Conservation areas in Kent

Whether you are looking for a rural setting or Georgian architecture, moving to a street located in a conservation area can ensure the local character is unlikely to change. However, conservation area restrictions will affect your house.

These constraints, called Article 4 Directions, could include anything from general restrictions governing the use of non-traditional materials, to restrictions on replacing roof tiles.

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.

Your conveyancing solicitor will confirm whether the property you are buying is located in one of Chatham's conservation areas.

Conveyancing - Selling a property in Chatham

The legal process for a property sale is much easier than for a property purchase. For a house purchase, the obligation lies with the purchaser to ensure that the title of the property they are buying is mortgageable and is (or can be) registered at the Land Registry.

On the other side of the transaction, conveyancing solicitors in Chatham acting for the seller only need to answer the purchaser's enquiries.

How to help your sale go through

Homes will often come with many possible issues (for example a boundary dispute or a landlord dispute on a leasehold property) that can protract your move.

Don't bury your head in the sand and hope any such problems will go away. Get advice and deal with it proactively.

Useful reading:

For more conveyancing advice for sellers click here.

Leasehold

The conveyancing process for a leasehold flat or house is much more complicated than for a more straightforward freehold house.

Chatham conveyancing solicitors will also carry out additional work, and this could include collating all relevant freeholder information, through to any documents pertaining to a variation of the terms of the lease.

It is strongly advised that the seller instructs a leasehold-specialist conveyancer as soon as the property is marketed, if not before, to help contain and resolve any 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 regulations prevent the same solicitor from working on behalf of both sides in a property sale.

You may want to instruct a property solicitor firm in Chatham to carry out your conveyancing, if a Quittance conveyancing solicitor is doing the legal work for the other side.

Local Chatham conveyancing solicitor directory

  • Jayes Collier LLP, Fifth Floor, Anchorage House, 45 - 47 High Street, Chatham, Kent, ME4 4EE
  • Onesavings Bank Plc, Reliance House, Sun Pier, Medway Street, Chatham, Kent, ME4 4ET
  • Atkins Hope Solicitors Limited, 52 High Street, Chatham, Kent, ME4 4DS
  • Patrick Lawrence Partnership LLP, Thomas House, 252 High Street, Chatham, Kent, ME4 4AN
  • Stephens & Son Incorporated By Hatten Wyatt, 9th Floor, Anchorage House, High Street, Chatham, Kent, ME4 4LE

Conveyancing - Remortgaging a property in Chatham

People remortgage a home for a variety of reasons, including wanting a more flexible mortgage, or releasing funds to help pay for home improvements. The main reason, however, is simply to get a better rate.

Homeowners will typically be able to benefit from a lower rate faster with a more proactive conveyancing solicitor in Chatham. They will work to reduce the processing time of the conveyancing. With possible rate rises on the horizon, fast conveyancing can be a key consideration when getting the mortgage rate you want.

A property lawyer will act for both you and your new bank or building society to certify the lender's capital is protected.

Gaynor Haliday, Legal researcher

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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