Updated: October 12, 2018

Chingford conveyancing solicitor fees and costs

No Move, No Fee conveyancing in Chingford

Conveyancing solicitor fees are what you pay to conveyancing solicitors in Chingford for the legal work for a home sale or purchase.

How are Chingford conveyancing fees calculated?

Some conveyancing solicitors in Chingford offer services on an hourly rate, and others on a fixed fee (or 'No Move, No Fee') basis. Our conveyancers work on fixed legal fees (known as 'No Sale, No Fee' or 'No Move, No Fee'), with no hidden costs. Your conveyancing quote will set out exactly what you will need to pay when your house or flat sale completes.

Are there any other costs in addition to conveyancing fees?

You must cover the cost of any 'disbursements', in addition to the solicitor's conveyancing fees.

Disbursements are the costs and expenses a solicitor needs to pay out on behalf of a client, such as landlord's notice fees or Stamp Duty.

See: How much should conveyancing fees cost?

How much will the total conveyancing fees in Chingford cost?

While conveyancing fees in Chingford will be the same as anywhere else in the UK, there may be some variation in certain disbursements. For example, Local Authority Search fees can vary and specific extra searches, such as a mining search, may be necessary.

With Quittance Conveyancing, there are absolutely no hidden costs. For a standard sale or purchase, what we quote is the fee 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 Chingford

Under recent changes to English and Welsh property law, a seller should disclose defects or disputes.

It remains, however, the duty of the Chingford conveyancing solicitor to make enquiries about the property, report back to the buyer and the lender, help with resolving any problems and register the title in the new owner's name.

This section offers recommendations for people searching for conveyancing solicitors in Chingford for a purchase.

Your Chingford conveyancing solicitor must be lender-approved

Whether you are taking out a mortgage from the HSBC, GE Money Home Lending or any other lender, before choosing a Chingford conveyancing solicitor it is paramount that you confirm that they can act for your chosen lender.

The majority of lenders are only prepared to work with a selected list (known as a 'lender panel') of legal practices. If a solicitor cannot act for your chosen lender, the lender will need an alternative law firm to complete the legal work.

The borrower will then have to cover this substitute lawyer's fees and significant delays to your move could occur.

Failing to confirm your lawyer's lender panel status can result in serious delays.

Quittance Conveyancing are approved members of all lender panels.

Property Searches (Waltham Forest Borough Council)

Searches are enquiries made of government bodies by Chingford conveyancing solicitors to highlight issues affecting the home you want to buy. They include:

Local Authority (LA) searchplanning and development details from Waltham Forest Borough Council records
Drainage & Water searchincludes the position of water mains and sewers, and whether the local authority is responsible for their maintenance.
Environmental searchreveals contaminated land, landfill sites and flooding or subsidence within 500m of the property.
Chancel repair liabilityinsurance is arranged to protect the buyer against any liability for local parish church repairs.

Additional searches, such as a tin mining search or a disadvantaged area search, may also be recommended subject to the outcome of the initial searches.

Buyers should expect to wait roughly 6 weeks for Residential property searches provided by The London Borough of Waltham Forest, so your solicitor will instead apply for quicker personal searches.

Planning searches

Office copies will also be sourced from HM Land Registry by the homebuyer's conveyancing solicitor, assisting with the identification of any issues, for example the breach of a restrictive covenant or errors on the title plan.

London Borough of Waltham Forest Council Tax

London Borough of Waltham Forest calculate council tax on Chingford homes based on the number of occupants and the historic value of the property (as valued at 1 April 1991). For instance for an average Band B home in Chingford, the council tax amount would be £1,256 per year.

Chingford conveyancing solicitors will inform the buyer of the property's 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 £942.

Other discounts and exemptions could also apply, for example if the property is uninhabited (for the first 60 days) or where the property is occupied solely by students.

Band London Borough of Waltham Forest Tax (2018)
A £1,077
B £1,256
C £1,436
D £1,615
E £1,974
F £2,333
G £2,692
H £3,230

Is it possible to appeal?

To challenge your banding contact:

Valuation Office Agency
Chase House
305 Chase Rd
N14 6LZ

In the financial year 2016/17, 30 council tax challenges were made, and 10 resulted in a reduction.

Stamp Duty on Chingford properties

Given the complexity of the SDLT1 tax return form, only the brave would attempt to complete and file this with HMRC (formerly Inland Revenue) without a conveyancing solicitor's help.

If a house is valued at over £125,000, the buyer usually must pay SDLT.

Quittance is able to administer the SDLT process faster and more efficiently than ever, using integrated online systems.

This table sets out Stamp Duty Land Tax for average property in London:

  Average selling price (2017) Stamp Duty
Average price £1,028,020 £46,552.00
Average price (detached) £1,209,120 £64,662.00
Average new build £854,797 £32,739.85

Stamp duty relief for first-time buyers in Chingford

Relief is available on home purchases below £300k for first-time buyers. If you own another property or share in a property you will be subject to a surcharge of 3%. Following the example above, if a homeowner bought a second home in Chingford for the average price of £1,028,020 the SDLT would be £133,642.60.

Conveyancing solicitors in Chingford will ensure the correct calculation is made.

Buying a flat? Leasehold conveyancing in Chingford

New build site

The possible drawbacks of buying a leasehold property in England or Wales are increasingly coming to light. The many potential problems lying in wait for an uninformed purchaser could include reversionary interests and ground rent multipliers.

Serious financial ramifications can result from an inexperienced lawyer's inaccurate leasehold advice.

A good conveyancing solicitor in Chingford will consider potential leasehold issues, including flats with varying lease terms, service charges, ground rents and buildings insurance arrangements and reviewing the lease itself (many leases are decades old).

Our team of leasehold conveyancing solicitors will work to ensure that you are fully-informed regarding your planned purchase.

Buying a 'New Build' property in Chingford?

New build site

According to HM Land Registry information, 450 new build properties have been bought in Chingford in 2018 so far. The average purchase price of Chingford new build homes is £449,784.

The legal work for buying a new build is more complex than any other type of conveyancing. To prevent difficulties arising a conveyancing solicitor in Chingford must be conscious of local Chingford considerations and needs to consider a range of factors, such as ensuring that new build mortgage conditions are met and handling initial Land Registry registration.

Our highly qualified new build conveyancing team are specialists in new build purchases and working to tight developer deadlines.

Conservation areas in London

Whether you are buying an 18th century stone cottage or a Regency townhouse, if the house is in a defined conservation area, any changes you can make to the house might not be allowed by London Borough of Waltham Forest.

These constraints, referred to as Article 4 Directions, could include restrictions affecting frontal additions to the property such as a porch, limits on the use of cladding or restrictions on extensions normally within Permitted Development rights.

If a property is in breach, the local authority can instruct the owner to 'undo' the recent changes, 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 Chingford's conservation areas.

Conveyancing - Selling a property in Chingford

The legal side of a house sale is less complicated than when purchasing. When a house or flat changes hands, the principle of 'buyer beware' means that the onus lies entirely with the buyer to verify that the property's title is not legally defective.

In contrast, for a sale, conveyancing solicitors in Chingford acting for the existing owner need only answer the buyer's questions.

What could put your property sale at risk?

A house or flat can be burdened by a broad spectrum of complex issues (such as a complex 'Green Deal' or having a defective lease) that have the capacity to stop the conveyancing process in its tracks.

You shouldn't bury your head in the sand, waiting to see if the problem is discovered. Instead, speak to an expert, face the issues head on, and find a solution ASAP.

Recommended reading:

For more conveyancing advice for sellers click here.

Selling a leasehold property

Conveyancing for a leasehold flat or house is a great deal more complicated than for a more straightforward freehold house.

Chingford conveyancing solicitors must usually carry out further legal work. This can involve collating an up-to-date service charge statement, through to details of any consents for alterations.

To accelerate the handling of the leasehold work, it is strongly advised that you instruct a leasehold expert as soon as an estate agent is chosen.

Can Quittance conveyancers act for both sides?

Solicitors Regulation Authority (SRA) rules ban the same solicitor from working on behalf of both sides in a property sale and purchase. A CLC-regulated conveyancer, however, can act for both parties.

If you are buying or selling a home in Chingford, and a Quittance conveyancer is acting for the other side, you may want to instruct a property solicitor firm in Chingford to undertake your legal work.

Local Chingford conveyancing solicitor directory

  • Achillea & Co, Markfield House, 35-37 Station Road, Chingford, London, London, E4 7BJ
  • Coldham Shield & Mace Solicitors LLP, 123-125 Station Road, Chingford, London, E4 6AG
  • Hoxtons Solicitors, 159a Station Road, North Chingford, London, E4 6AG
  • Alexander Jlo, 2b New Road, Chingford, London, E4 8ET
  • Barnes and Partners, 45-47 Old Church Road, London, Chingford, E4 6SJ

Conveyancing - Remortgaging a property in Chingford

The most common reason people remortgage their home is to reduce the monthly repayments. Other reasons to switch lenders or mortgage deals include wanting to borrow more, or moving to an offset mortgage.

You will typically be able to benefit from a better rate sooner by using a more proactive conveyancing solicitor in Chingford, accelerating the time taken to complete the process. With the Bank of England base rate now at 0.5% (May 2018), fast conveyancing can be a key consideration when getting the mortgage rate you want.

Your property lawyer should also be able to act for the new mortgage lender. Quittance Conveyancing are on the panel for all major lenders. So no matter whether you are switching to a lifetime tracker mortgage with the NatWest or to a fixed-rate mortgage with the Dudley Building Society, we 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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