Updated: October 12, 2018

Chertsey conveyancing solicitor fees and costs

No Move, No Fee conveyancing in Chertsey

Conveyancing solicitor fees are what you pay conveyancing solicitors in Chertsey for handling the legal work for your move.

Are Chertsey conveyancing fees and costs fixed?

Quittance's conveyancing solicitors work on a fixed No Sale, No Fee conveyancing basis with no hidden costs, unlike some other conveyancing solicitors in Chertsey who will work on a price per hour basis. Your quote will set out what you will pay when your sale or purchase goes through.

What are disbursements?

In addition to conveyancing solicitor fees you will also have to pay for 'disbursements'.

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. These include costs like managing agent fees or HMLR fees.

See: Complete list of conveyancing fees and disbursements

How much will the total conveyancing fees in Chertsey cost?

Conveyancing solicitor fees in Chertsey should be the same as anywhere else in the UK. There may, however, be some variation in certain disbursements. For example, additional region-specific searches, e.g. a flood plain search, may be needed and council search fees will vary.

For a standard home sale or purchase, the conveyancing fee we quote is the fee you pay. With Quittance Conveyancing, there are no unexpected costs or surprises in the small print. To calculate the conveyancing fees for your move, try our conveyancing fees quote calculator: Click here

Quittance's conveyancing fees were substantially lower than the average solicitors' fees, and their service was first-rate

Conveyancing - Buying a property in Chertsey

The conveyancing for the purchase of a house or flat will require the conveyancing solicitor in Chertsey to consider a wide range of issues. Examples of such factors can range from a defective title (e.g. missing easements) to the future saleability of the property.

The buyer's property lawyer will feed the results of their enquiries back to the purchaser and their mortgage lender, deal with any legal problems and ensure the title is transferred to the new owner.

This section discusses those types of property which may involve additional risk for people searching for conveyancing solicitors in Chertsey for a purchase.

Your Chertsey conveyancing solicitor must be lender-approved

Regardless of whether you are getting a mortgage from Barclays Bank, the Darlington Building Society or any other lender, before you choose a conveyancing solicitor in Chertsey you need to check that they are on the approved solicitor panel of your mortgage lender.

Many mortgage lenders are only prepared to work with a selected list (their 'panel') of legal practices that match certain criteria. If a conveyancer cannot act for your mortgage lender, the lender will likely require a second legal firm to carry out the legal work.

The buyer will usually need to pay this substitute lawyer's fees and the conveyancing process could take much longer.

Your purchase could be threatened by failing to confirm your conveyancing solicitor's lender panel status.

Our conveyancing solicitors can act for all lenders.

Residential Property Searches (Runnymede Borough Council)

Residential property searches are questions submitted to public bodies by Chertsey conveyancing solicitors to help uncover relevant information about the property being purchased.

Searches are carried out primarily to meet lender requirements, and include the local authority (LA) search, environmental search, drainage & water search and chancel repair liability.

More pertinent searches, such as a more detailed flood report or an energy search, may also be recommended in the initial LA and Environmental searches.

Runnymede Borough Council has a usual turnaround time of 3 weeks for Residential property searches, so faster personal searches will be preferred.

Planning searches

The buyer's conveyancing solicitor will get an Official Copy of the Title Register from HMLR. This will help to reveal any planning issues. These issues could include that a restrictive covenant has been breached or a difference between the agent's floorplan and the title plan.

Runnymede Borough Council Council Tax

Runnymede Borough Council calculate your council tax based on various factors e.g. the size and character of the property and the property's value as at 1 April 1991. For example, a house in the Runnymede Borough Council area in Band D would pay £1,807 per annum.

Conveyancing solicitors in Chertsey will inform a purchaser of the home's council tax band once this is confirmed by the searches.

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 £1,356.

Other discounts and exemptions may also apply, for example a 10% discount for second homes (although this may change as the government has second home ownership in its sights) or where the property is uninhabitable.

Band Runnymede Borough Council Tax (2018)
A £1,205
B £1,406
C £1,607
D £1,807
E £2,209
F £2,611
G £3,012
H £3,615

Could I be overpaying council tax?

To challenge your banding contact:

Valuation Office Agency
3rd Floor
Bridge House
Walnut Tree Close

A homeowner can challenge the council tax band after moving in. Between April 2016 and April 2017, 50 council tax challenges were made, of which 10 saw a reduction.

Stamp Duty on Chertsey properties

The threshold for SDLT for a home is £125k.

Delays and penalties await those who mishandle the stamp duty administration process.

The vast majority of people will have their conveyancing solicitor complete the SDLT1 return on their behalf.

HM Revenue & Customs form rejections are avoided using the latest case management software.

See examples for average local properties:

  Average selling price (2017) Stamp Duty
Average price £424,821 £11,241.05
Average price (detached) £642,017 £22,100.85
Average new build £477,760 £13,888.00

Stamp duty relief for first-time buyers in Chertsey

For first-time buyers, stamp duty is only payable on purchases over £300,000. If you are buying a second home for more than £40,000 then you will have to pay a 3% SDLT surcharge. Following the example above, if a homeowner bought a second property in Chertsey for the average price of £424,821 the SDLT would be £33,985.68.

Conveyancing solicitors in Chertsey should confirm the correct tax is paid.

Buying a flat? Leasehold conveyancing in Chertsey

New build site

The risks associated with purchasing a leasehold property in the UK are generally well known. Ground rent multipliers, unreasonable lease extension premiums and reversionary interests are among the many traps awaiting the unsuspecting purchaser.

Severe consequences can result from a less-experienced property lawyer's erroneous leasehold advice.

A experienced conveyancing solicitor in Chertsey will consider possible leasehold issues, e.g. managing agent or landlord enquiries, reviewing the lease itself (many leases are decades old) and landlord/tenant disputes.

Quittance Conveyancing's team of leasehold conveyancing solicitors will work to ensure that you are aware of all the potential issues and costs associated with the lease.

Buying a 'New Build' property in Chertsey?

New build site

2 new builds have been bought in Chertsey in 2018 so far, based on data published by HM Land Registry. The average value of Chertsey new build property is £440,000.

A new-build conveyancing solicitor in Chertsey will need to be aware of regional considerations and new build-specific issues, such as checking planning conditions have been fulfilled and handling the uncertainties of buying off plan.

Our conveyancing team are experts in helping new build purchasers obtain the best possible terms and working to tight developer deadlines.

Conservation areas in Surrey

Your conveyancing solicitor will check if the residential property you are buying is in one of Chertsey's conservation areas. If it is, the house is affected by building controls. Referred to as Article 4 directions, these conditions can include restrictions on the removal or addition of front boundary walls, restrictions on extensions normally within Permitted Development rights or general restrictions governing the use of unsympathetic materials.

If a property is in breach, the local planning authority could order the owner to pay for the work needed to make the home compliant, even if the previous owner carried out the alterations.

Parts of Chertsey lie within a Runnymede LPA-governed conservation area. Quittance's conveyancing solicitors will address whether the home you plan to buy is located in a conservation area in Chertsey.

Conveyancing - Selling a property in Chertsey

The legal side of a sale of a home is less difficult than when buying. During the sale of a house or flat, the responsibility lies entirely with the buyer to discover whether the property is not legally defective.

In contrast, for a sale, conveyancing solicitors in Chertsey acting for the person selling effectively just answer questions set by the buyer's conveyancing solicitor.

What could go wrong?

A property can face a broad spectrum of issues (for example missing planning regulations) that have the capacity to threaten the completion of a purchase.

It is not recommended that you put off finding a solution as it is highly unlikely that the problems won't be picked up. The best course of action is to talk to a professional and work to resolve it as early as possible.

Recommended reading:

For more conveyancing advice for sellers click here.

Selling a leasehold property

Conveyancing for a leasehold flat (leasehold houses are not common) is a great deal more protracted than it is for a freehold home.

Leasehold complexity involves extra work on the part of conveyancing solicitors in Chertsey, which could include getting all relevant freeholder information, through to the minutes of the last AGM (if there is a management company).

To help mitigate the delays involved in selling a leasehold property, it is recommended that the seller instruct a conveyancer as soon as possible.

What if Quittance is already acting for the other side?

A conveyancer who is regulated by the CLC can act for both sides. However, SRA rules restrict a single conveyancing solicitor from acting on both sides in a house sale and purchase.

You can contact a local Chertsey conveyancing solicitor firm to carry out your legal work, if a Quittance solicitor is carrying out the legal work for the other side.

Local Chertsey conveyancing solicitor directory

  • Crest Nicholson, Crest House, Pyrcroft Road, Chertsey, Surrey, KT16 9GN

Conveyancing - Remortgaging a property in Chertsey

Saving money on a lower interest rate is usually why people opt to remortgage. There are other reasons, for example releasing funds to help pay for home improvements, or getting on to a new fixed-rate deal.

You can enjoy the benefits of a lower rate sooner with a more proactive conveyancing solicitor in Chertsey. With the base rate set at 0.5% (May 2018) and rate rises anticipated, fast conveyancing can be a crucial factor in getting on to the rate you want.

It is vital that the property lawyer undertaking the legal work can act on behalf of your chosen bank or building society. Our conveyancing team are on the panel for all major UK lenders, so whether you are switching to a lifetime tracker mortgage with the Halifax or to a capped-rate mortgage with the Coventry Building Society, our remortgage specialists can help.

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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