Award-winning No Move, No Fee conveyancing for Codsall home movers
By Gaynor Haliday, Legal researcher
Updated: October 12, 2018
Whether you are buying or selling a home, and need conveyancing solicitors in Codsall, our specialist No Sale, No Fee property lawyers can help.
Quittance Conveyancing offer guaranteed fixed conveyancing fees, and because we prioritise proactive communication between all parties, you will never be uncertain about how your move is progressing.
In the event that your move does not proceed our no move no fee promise means you will not have to pay any conveyancing solicitors' legal fees.
Codsall's most communicative conveyancing service
According to a survey commissioned by Veyo, 1/3 of those who participated reported that they were not kept adequately informed during the conveyancing process.
The consumer service charters of both the Law Society's CQS and the Council for Licensed Conveyancers are focused on the problem of sub-standard conveyancing solicitor communication practices.
Nevertheless, a survey carried out by OnePoll of 1,500 people determined 46% of respondents thought that their transaction would have completed sooner with more efficient communication.
Quittance Conveyancing's Codsall conveyancing solicitors provide an exceptional conveyancing service. We provide clients with an informative and proactive service using email, phone and via our case management app, 7 days a week:
- Lowest Codsall conveyancing solicitors fees
- Open Saturdays
- Open Mon to Thurs 9am-8pm & Fri 9am-6pm
- Stay in control of your case by your preferred contact method (including SMS, phone and email)
- 24/7 access to your online file
- Your dedicated lawyer's email address and direct line
Updated: October 12, 2018
Codsall conveyancing solicitor fees
No Move, No Fee conveyancing in Codsall
Conveyancing solicitor fees are the amounts you pay your Codsall conveyancing solicitor for the legal work associated with moving home.
Do Codsall conveyancing solicitors work on a fixed fee basis?
Quittance's conveyancing solicitors work on a fixed No Move, No Fee basis with no hidden fees, unlike some other conveyancing solicitors in Codsall who carry out the legal work on a cost per hour basis. Your quote sets out all fees and disbursements you will need to pay when your sale or purchase goes through.
Besides conveyancing fees, what other costs are there?
In addition to the solicitor's conveyancing fees you will also need to budget for 'disbursements'.
Disbursements are the costs incurred by the solicitor on your behalf, such as identity verification checks or Stamp Duty Land Tax (SDLT).
How much will the total Codsall solicitor conveyancing fees be?
Codsall conveyancing solicitor fees will be the same as anywhere else in the UK. However, the costs of certain disbursements can vary. As examples, council search fees will vary and additional region-specific searches, such as a mining search, may be needed.
For a standard sale or purchase, what we quote is the fee you pay. With Quittance Conveyancing, there are no unexpected costs or surprises in the small print. To calculate your conveyancing fees, try our conveyancing fees quote calculator: Click here
Conveyancing - Buying a property in Codsall
The legal work for a property buyer needs a conveyancing solicitor in Codsall to consider a wide range of issues. Examples of such factors can range from a defective title (e.g. breached restrictive covenants) to the future saleability of the property.
The conveyancer will feed the results of their enquiries back to the buyer and their lender, offer practical solutions and ensure the title is transferred to the new owner.
The content below provides recommendations for buyers who need conveyancing solicitors in Codsall.
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- Conveyancing solicitors in Wolverhampton
- Conveyancing solicitors in Staffordshire
Your Codsall conveyancing solicitor must be lender-approved
Regardless of whether you are obtaining a mortgage from Lloyds Bank, Whistletree or any other lender, before selecting a conveyancing solicitor in Codsall it is paramount that you confirm that they are approved by your lender.
Some lenders will only accept a select panel of firms. If your conveyancer is not on the panel of your lender, the lender will require a second legal firm to carry out the legal work.
The home buyer will usually need to pay this second solicitor's costs and significant delays to your move could occur.
Quittance Conveyancing can act on behalf of all 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 (South Staffordshire Council)
Searches are carried out by Codsall conveyancing solicitors to help spot any broader issues that could possibly impact how much the property you are purchasing will be worth.
Searches are carried out primarily to satisfy lender requirements, and include the local authority (LA) search, environmental search, drainage & water search and chancel repair liability.
Buyers will be informed if your mortgage lender insists on any further searches, e.g. a radon gas search or a ground stability report.
South Staffordshire Council has a typical processing time of 7 weeks for LA searches. As a result, regulated searches will be faster.
Checking planning permission status
Official Entries (or 'office copies') will also be sourced from HM Land Registry by the conveyancing solicitor acting for the purchaser. This will help to identify planning issues, for example a restrictive covenant against certain alterations or errors on the title plan.
South Staffordshire Council Tax
South Staffordshire calculate council tax on Codsall 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 D property in Codsall, the council tax due would be £1,641 per year.
A conveyancing solicitor in Codsall will inform a purchaser of the home's tax band once this is confirmed by the searches.
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 £1,230.
Other discounts and exemptions could also apply, e.g. unoccupied properties undergoing major repairs or where the property is uninhabitable. Property constructed after 1991 is allocated a council tax banding by the Valuation Office Agency.
|Band||South Staffordshire Tax (2018)|
Valuation Office Agency
It is possible to challenge the council tax band after moving in. Between April 2016 and April 2017, 30 council tax challenges were made, of which 10 resulted in a reduction.
Stamp Duty on Codsall properties
If you are buying a residential property that costs over £125k, then you will have to pay stamp duty to HMRC. The buyer's conveyancing solicitor will ensure that the Stamp Duty Land Tax is correctly calculated and is paid to HMRC. This occurs once the property sale has completed.
Quittance use the latest case management integration with HMRC to avoid errors and ensure there are no late-filing penalties.
See SDLT examples for properties in Staffordshire:
|Average sale price (2018 to date)||Stamp Duty Land Tax|
|Average price (detached)||£298,064||£4,903.20|
|Average new build||£256,590||£2,829.50|
Stamp duty relief for first-time buyers in Codsall
As from Nov 2017, first-time buyers will not have to pay any stamp duty if the purchase price is below £300k.
Codsall conveyancing solicitors should ensure the right amount is calculated.
Buying a flat? Leasehold conveyancing in Codsall
It is not recommended to purchase a leasehold property if you don't know what you are getting into. There are many legal issues that may be lying in wait for the unsuspecting purchaser, including absent freeholders and increasing ground rents.
A competent conveyancing solicitor in Codsall will address aspects of leasehold, including understanding regional and era-specific nuances of leases, reviewing correspondence between the freeholder and leaseholder and current-year service charge estimates.
Ensure that you are fully-informed regarding your planned purchase - Contact our team of leasehold conveyancing solicitors on 0800 612 0377 today.
Buying a 'New Build' property in Codsall?
Based on local data compiled by HMLR, 81 new builds have been bought in Codsall in 2018 so far. The average purchase price of a new build in Codsall is £256,590.
A new-build conveyancing solicitor in Codsall must be mindful of Codsall-specific considerations and the added complexities associated with new build, like investigating issues with drains and roads that serve the property, handling structural guarantees and working with warranty providers such as NHBC, Zurich Municipal and AHCI.
Our new build conveyancing department will provide an impartial assessment of the legal title of the house or flat, whilst being mindful of concerns ranging from the home's future resaleability to sharply increasing ground rent and service charges (where applicable).
Conservation areas in Staffordshire
Whether you are planning to buy a period coach house or a Victorian terraced house, if the property is in a conservation area, any planned modifications to the property might not be accepted by South Staffordshire.
Called Article 4 directions, these restrictions may include:
- Restrictions on door and window styles
- Restrictions preventing paving over the front garden
- A prohibition on extensions (even if within Permitted Development rights)
The new owner could be ordered to pay for necessary changes to bring a property in line with current regulations, even where the alterations were made by the previous owner.
The South Staffordshire local planning authority has assigned conservation area-status to parts of Codsall. Your Quittance conveyancing solicitor will confirm if the property you are purchasing is located in a conservation area in Codsall.
Conveyancing - Selling a property in Codsall
The legal side of a house sale is less difficult than when buying. The buyer's solicitor needs to carry out detailed due diligence into the property's title and other legal aspects. Conveyancing solicitors in Codsall acting for the seller, however, effectively just replies to the solicitor's standard and additional enquiries.
What should you do to improve the odds of your sale going through?
A home can face challenges (such as issues with neighbours' rights over the property) which may delay your move.
Don't bury your head in the sand as it is highly unlikely that the problems won't be picked up. The best course of action is to get professional advice and deal with it proactively.
- 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 sale conveyancing articles here.
Selling a leasehold property
Conveyancing for a leasehold flat or house is significantly more specialised than it is for a freehold home.
Codsall conveyancing solicitors will also carry out additional work, which could include sourcing the latest service charge and ground rent statement, through to any details of any ongoing enfranchisement process.
To speed up the leasehold conveyancing process, it is strongly advised that the seller instructs a leasehold-specialist lawyer as early in the process as possible, and potentially before marketing the property,.
What if Quittance conveyancers are acting for the other side?
SRA rules ban the same conveyancing solicitor from acting on both sides in a property sale and purchase. Conveyancers who are regulated by the CLC, however, can act for both parties.
You can contact a local Codsall conveyancing solicitor firm to carry out your legal work, if a Quittance conveyancing solicitor is acting for the other side.
Local Codsall conveyancing solicitor directory
- Talbots Law Ltd, 2 Station Road, Codsall, Staffordshire, WV8 1BX
Conveyancing - Remortgaging a property in Codsall
Reducing monthly repayments by finding a lower rate is usually why people opt to remortgage. There are other reasons, such as borrowing more to help pay for an extension, or the current mortgage deal coming to an end.
Homeowners can appreciate the benefits of a better rate sooner by using a more proactive conveyancing solicitor in Codsall. They will work to reduce the processing time of the conveyancing. With the base rate now at 0.5% (May 2018), fast conveyancing can play a key role in getting the mortgage rate you want.
A property lawyer will represent both you and the mortgage lender to confirm the parties' interests are protected.
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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