Updated: October 12, 2018

Chipping Norton conveyancing solicitor fees

No Move, No Fee conveyancing in Chipping Norton

Conveyancing solicitor fees will be paid to your Chipping Norton conveyancing solicitor for the legal work associated with buying or selling a property.

Are Chipping Norton conveyancing fees and costs fixed?

Quittance's conveyancing solicitors work on a fixed No Sale, No Fee conveyancing basis with no unexpected, additional costs, unlike some other conveyancing solicitors in Chipping Norton who work on an hourly rate. Your conveyancing quote sets out all fees and disbursements you will need to pay when your property transaction has completed.

Are there any other costs in addition to conveyancing fees?

On top of the conveyancing fees you will also need to budget for 'disbursements'.

Disbursements are the third-party costs that your conveyancer will pass on to you at the end of the conveyancing process, such as ID checks or bankruptcy searches.

See: How much should conveyancing fees cost?

How much will conveyancing in Chipping Norton cost in total?

Chipping Norton conveyancing solicitor fees will not vary. There may, however, be some variation in certain disbursements. As examples, specific extra searches, such as a historic mining search, may be necessary and Local Authority Search fees can vary.

With Quittance, there are absolutely no hidden fees. For a standard home sale or purchase, what we quote is the fee you pay. Calculate the conveyancing fees for your move, with our conveyancing fees calculator: Click here

Quittance's conveyancing fees were considerably cheaper than the average solicitors' fees

Conveyancing - Buying a property in Chipping Norton

In carrying out the conveyancing for a homebuyer, the Chipping Norton conveyancing solicitor will investigate the legal ownership rights or 'title' of the property and deliver their report on title to the purchaser.

The property lawyer will offer suggestions and advice after making their enquiries, find solutions to outstanding defects and other issues and ensure that the change of ownership is registered at the Land Registry.

This section sets out useful guidance for buyers looking for conveyancing solicitors in Chipping Norton.

Your Chipping Norton conveyancing solicitor must be lender-approved

Before choosing a Chipping Norton conveyancing solicitor, it is vital that you check that they can act for your chosen lender, whether you are taking out a mortgage from Santander, the Monmouthshire Building Society or any other lender.

Your solicitor may be unable to act for your chosen lender, because some lenders are only happy to work with a restricted list (called a 'lender panel') of firms that pass strict standards.

If this is the case, the lender will require a different law firm to act in their interests, and you will then have to cover this alternate solicitor's fees. Adding another solicitor to the process can delay the whole purchase.

Delays can be caused by failing to check your property solicitor's lender panel status.

Our conveyancing solicitors are on the panel of all mortgage lenders.

Property Searches (West Oxfordshire Council)

Searches are applied for by Chipping Norton conveyancing solicitors to help to identify any significant issues that might possibly impact how much the property you are buying will be worth. They include:

  • Local Authority search - covers planning applications, building control history and enforcement action against the property. The LA search also includes details of any nearby road development schemes.
  • Drainage & Water search - identifies the location of sewers and water mains, and will confirm whether these are maintained by the local council.
  • Environmental search - covers environmental issues within 500m of the property, including flooding, mining subsidence and the proximity of landfill and contaminated land sites.
  • Chancel repair liability - describes the insurance to protect against any liability owed by Chipping Norton properties for local parish repairs.

More specific searches, such as a more detailed flood report or a more detailed plan search, may also be recommended in the initial search results.

West Oxfordshire Council has an average processing time of 10 weeks for Local Authority searches, so it will be worth using a faster private search company.

Checking planning permission status

The buyer's conveyancing solicitor also retrieves an Official Copy of the Title Register from the Land Registry, assisting with the identification of any issues, such as a difference between the agent's floorplan and the title plan or rights or restrictions on how the property may be used.

West Oxfordshire Council Council Tax

The council tax paid by a homeowner is based on various criteria that include the location of the property and the assessed value of the property in April 1991. The occupier of a property in Valuation Band E, for example, would owe annual council tax of £2,183.

Chipping Norton conveyancing solicitors will inform a purchaser 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 (25%) would reduce the tax due to £1,637.

Other discounts and exemptions could also apply, for example where the home is empty or unfurnished for a maximum of 60 days or for foreign language students.

Band West Oxfordshire Council Tax (2018)
A £1,191
B £1,389
C £1,588
D £1,786
E £2,183
F £2,580
G £2,977
H £3,572

Does anyone ever challenge their valuation?

Contact the VOA for more information on how to challenge your tax band:

Valuation Office Agency
4400 Nash Court
John Smith Drive
Oxford
OX4 2RU
Oxfordshire

From April 2016 to March 2017, 30 council tax challenges were made. 10 were upheld and the tax was reduced.

Stamp Duty on Chipping Norton properties

The current SDLT threshold is £125k. Obtaining and completing the SDLT1 return from HMRC is difficult but not impossible for a typical homebuyer. Usually, however, the form is completed by the property lawyer to avoid penalties or delays.

Quittance Conveyancing's integrated conveyancing case management system are fully integrated with HM Revenue and Customs (HMRC)'s online SDLT filing systems.

See SDLT examples for properties in Chipping Norton:

  Average selling price (2017) SDLT
Average price £408,865 £10,443.25
Average price (detached) £584,016 £19,200.80
Average new build £434,830 £11,741.50
If you are buying a second home for more than £40,000 then you will have to pay a 3% surcharge. So if a second home was bought for £408,865 then the SDLT total will be £32,709.20.

Stamp duty relief for first-time buyers in Chipping Norton

First-time buyer stamp duty relief is available on property purchases below £300k.

Conveyancing solicitors in Chipping Norton should ensure their client pays the correct amount.

Buying a flat? Leasehold conveyancing in Chipping Norton

New build site

The potential risks associated with buying a leasehold property are a source of concern for leasehold home buyers. Numerous technical obstacles may be lying in wait for the unsuspecting purchaser, such as:

  • spiralling ground rents
  • sinking fund issues
  • onerous clauses in the lease
Serious consequences can result from a solicitor's bad leasehold advice.

A expert conveyancing solicitor in Chipping Norton will consider potential leasehold issues, for example :

  • reviewing the lease
  • managing agent practices
  • possible service charge shortfalls
  • changes to the terms of the lease

Ensure that you are aware of all the potential issues and costs associated with the lease with our leasehold conveyancing solicitors.

Buying a 'New Build' property in Chipping Norton?

House being built

According to HMLR data, the average value of a new build in Chipping Norton is £327,662. 3 new build properties have been bought in Chipping Norton in 2018 so far.

A new-build conveyancing solicitor in Chipping Norton will need to be familiar with local Chipping Norton issues and the extra complexities of new build, e.g. handling deposits and spotting incomplete agreements for roads and sewers.

Our team of new build conveyancers deliver an expert appraisal of the legal title of the property, and in particular concerns like the home's subsequent marketability and an assessment of other risks, such as regional infrastructure development.

Conservation areas in Oxfordshire

Your conveyancing solicitor will need to check whether the home you are purchasing is in one of Chipping Norton's conservation areas. If it is, the property is affected by restrictions. These conditions, referred to as Article 4 Directions, can include:

  • A prohibition on roof terraces
  • Restrictions on the display of advertisements
  • Restrictions on the erection of outbuildings

The local council can order any non-compliant alterations to a property to be changed or removed, such as removing wall render or paint.

Parts of Chipping Norton are within a conservation area governed by the West Oxfordshire local planning authority (LPA). Quittance's conveyancing solicitors will address whether the home you plan to buy is located in a conservation area in Chipping Norton.

Conveyancing - Selling a property in Chipping Norton

The legal side of a sale of a house or flat is simpler than when buying. The buyer's conveyancing solicitor has to carry out due diligence on the legal title of your home, whilst conveyancing solicitors in Chipping Norton acting for the seller just responds to enquiries made by the buyer's solicitor.

What could put your sale at risk?

A home can face a broad spectrum of potential roadblocks (e.g. previous or historic subsidence) which could threaten the completion of the conveyancing process.

It is best not to procrastinate as it is the buyer's solicitor's job to spot problems. Get advice and attempt to resolve it ASAP.

Further reading:

Read more helpful advice for sellers here.

Leasehold

The conveyancing process for a leasehold flat is much more involved in comparison with a freehold house.

Leasehold complexity involves extra work on the part of conveyancing solicitors in Chipping Norton, such as getting all relevant freeholder information, through to details of any required deed of covenant.

To reduce leasehold-related delays, it is recommended that the seller instruct a conveyancer as early in the process as possible, ideally before putting the property on the market,.

What if Quittance is already acting for the other side?

A conveyancer who is regulated by the CLC can act for both parties. However, Solicitors Regulation Authority rules ban the same solicitor from working on behalf of both sides in a house sale.

You may want to instruct a property solicitor firm in Chipping Norton to carry out your legal work, if a Quittance conveyancer is acting for the other side.

Local Chipping Norton conveyancing solicitor directory

  • Bradley Saul Solicitors, Market Chambers, 2 Market Street, Chipping Norton, Oxfordshire, OX7 5NQ
  • Johnson & Gaunt Solicitors Limited, 2 New Street, Chipping Norton, Oxfordshire, OX7 5LJ

Conveyancing - Remortgaging a property in Chipping Norton

The main reason homeowners remortgage a home is to secure a lower interest rate. There are other reasons to remortgage, such as getting on to a new fixed-rate deal, or releasing capital to pay off other debts.

A proactive conveyancing solicitor in Chipping Norton will complete the conveyancing quickly, meaning you move to your lower rate sooner. With the future of interest rates uncertain, fast conveyancing can be a crucial factor in securing the rate you want.

It is important that your property lawyer can also act for your chosen mortgage provider. Quittance Conveyancing are panel members of all major banks and building societies. So no matter whether you are moving to a lifetime tracker mortgage with Lloyds Bank or to a repayment mortgage with the Darlington Building Society, we can assist.

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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