Updated: October 12, 2018

Crewe conveyancing solicitor fees and costs

No Move, No Fee conveyancing in Crewe

Conveyancing solicitor fees are the amounts you pay to conveyancing solicitors in Crewe for handling the legal work for your move.

How are Crewe conveyancing fees calculated?

We work on fixed legal fees (known as 'No Sale, No Fee' or 'No Move, No Fee') with no hidden extras, unlike some other conveyancing solicitors in Crewe who offer services on a fees per hour basis. Your quote explains 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', on top of the conveyancing fees.

Disbursements are the costs and expenses a solicitor needs to pay out on behalf of a client, such as bankruptcy checks or managing agent information.

See: How much should conveyancing fees cost?

How much will conveyancing in Crewe cost in total?

Though conveyancing fees in Crewe will be the same as anywhere else in the UK, there can be variation in the disbursements required. As examples, specific extra searches, e.g. a commons registration search, may be necessary and Local Authority (LA) Search fees will vary.

There are no hidden costs or nasty surprises with Quittance. 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 fees were cheaper - less than half the Estate Agent's recommended solicitor's fees

Conveyancing - Buying a property in Crewe

Originally just a small Cheshire hamlet, Crewe's growth stemmed from the railway industry that developed in the 19th century. Some of that engineering heritage remains, but the town is gradually moving away from its heavy industry base and attracting new enterprises to a number of business parks.

Recent independent research found Crewe to be the top place to live in the UK, on account of its great neighbourhoods, access to jobs and affordable housing.

Public transport, schools, internet connections and local amenities were also taken into consideration.

Conveyancing for home buyers

The conveyancing for a homebuyer will need a Crewe conveyancing solicitor to consider a wide range of issues. Examples of such factors are local planning restrictions and problems affecting the mortgageability (e.g. subsidence).

The buyer's solicitor will feed the results of their enquiries back to the buyer, solve outstanding issues and ensure that the full legal ownership is transferred.

This section of the article provides advice to assist homebuyers searching for conveyancing solicitors in Crewe.

Your Crewe conveyancing solicitor must be lender-approved

Whether you are obtaining a mortgage from Lloyds Bank, the Buckinghamshire Building Society or any other lender, before you choose a conveyancing solicitor in Crewe it is very important that you make sure that they can act in the interests of your mortgage lender.

Your conveyancer may be unable to act for your mortgage lender, because some mortgage lenders will only accept a selected list (known as a 'panel') of firms that meet stringent standards.

If that is the case, the lender will require a second solicitor firm to carry out the legal work, and you will then have to cover this alternate solicitor's fees. Handling paperwork and correspondence with this additional party can delay the process.

The conveyancing process could be put at risk by failing to check your conveyancing solicitor's lender panel status.

Our conveyancing solicitors can perform the conveyancing for all mortgage providers.

Conveyancing Searches (Cheshire East Council)

Property searches are applied for by Crewe conveyancing solicitors to help identify any wider issues that might impact how much the property you are buying will be worth. They include:

SearchDescription
Local Authority (LA) searchreveals issues like whether the adjoining road and pavement are publicly maintained
Drainage & Water searchidentifies the location of sewers and water mains, and will confirm whether these are maintained by the local council.
Environmental searchdescribes hazards (such as historic flooding or mining subsidence) within 500m of the property. This search also identifies sites of contaminated land nearby.
Chancel repair liabilityinvolves the potential liability owed by the owners of certain property to pay for local parish church repairs. Insurance can be arranged to cover this risk.

Further searches, such as a highways authority search or a disadvantaged area search, may also be advised in the initial search results.

The average delivery time for searches provided by Cheshire East Council is 4 weeks, so faster personal searches will be recommended.

Finding planning permissions

The conveyancing solicitor acting for the buyer will request an Official Copy of the Title Register from HM Land Registry, helping to identify any potential issues. These issues could include right of access issues or discrepancies between the property boundaries and the title plan.

Cheshire East Council Council Tax

The amount of council tax a homeowner in Crewe will pay to Cheshire East Council will depend on the property's value and the number of residents. For example, a house in the Cheshire East Council area in Valuation Band B would pay £1,327 per annum.

Conveyancing solicitors in Crewe will inform the purchaser of the property's band once they are made aware.

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 £995.

Other discounts and exemptions could also apply, e.g. where the home is empty or unfurnished for a maximum of 60 days or if the property is occupied by someone who is seriously mentally impaired. New build homes are assessed by the Valuation Office Agency and allocated a banding.

Band Cheshire East Council Tax (2018)
A £1,138
B £1,327
C £1,517
D £1,706
E £2,085
F £2,465
G £2,844
H £3,413

Is it possible to reduce my council tax band?

Owners can apply for their property to be reassessed, and if the valuation is revised down, they may receive a refund. Contact the VOA for more information on how to challenge your tax band:

Valuation Office Agency
2nd Floor
Wellington House
38-44 Delamere St
Crewe
CW1 2LQ
Cheshire

Stamp Duty on Crewe properties

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

The current stamp duty threshold is £125k.

With Quittance you have the peace of mind that the SDLT1 return is completed correctly and quickly when your purchase completes.

The following table illustrates stamp duty examples for typical properties in Crewe:

  Average selling price (2018 to date) Stamp Duty
Average price £239,271 £2,285.42
Average price (detached) £325,920 £6,296.00
Average new build £193,359 £1,367.18

Stamp duty relief for first-time buyers in Crewe

In 11/17, it was announced that first-time buyers would be exempt from paying stamp duty on homes below £300k. Following the autumn statement, second home buyers must pay a higher rate of 3%. So if a second property was bought for £239,271 then the SDLT total will be £11,963.55.

Conveyancing solicitors in Crewe will ensure the right amount is calculated.

Buying a flat? Leasehold conveyancing in Crewe

New build site

The risks of purchasing a leasehold property remain of serious concern. There are numerous technical issues that could be awaiting the unsuspecting purchaser, such as:

  • absent freeholders
  • spiralling ground rents
  • undisclosed major works
  • onerous covenants
Severe consequences can result from a solicitor's misguided leasehold advice.

A specialist conveyancing solicitor in Crewe will investigate aspects of the leasehold purchase, such as :

  • reviewing the lease itself (leases can be 10's or even 100's of years old)
  • service charges and whether they have been collected
  • dealing with freeholders and managing agents
  • short leases

Make sure that you are fully-informed regarding your planned purchase - Call Quittance Conveyancing's specialist leasehold conveyancing solicitors on 0800 612 0377 today.

Buying a 'New Build' property in Crewe?

House under construction

12 new build houses and flats have been bought in Crewe in 2018 so far, (HMLR data). The average cost of Crewe new build properties is £193,359.

A new-build conveyancing solicitor in Crewe will need to be aware of local Crewe issues and the added complexities of new build, e.g. checking planning conditions have been fulfilled and ensuring that new build mortgage conditions are met.

Our new build conveyancing department will provide a specialist assessment of the legal status of the property, looking out for considerations like unreasonable leasehold terms and an assessment of other risks, such as future local development.

Cheshire Conservation areas

Moving to a conservation area can ensure that the local neighbourhood is protected from drastic alterations. However, conservation area constraints will affect your property.

These building controls can include:

  • Restrictions on the use of cladding
  • Restrictions on joinery colour choices
  • Restrictions on extensions even if within Permitted Development rights

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

Quittance's conveyancing solicitors will address whether the home you plan to buy is located in a conservation area in Crewe.

Conveyancing - Selling a property in Crewe

The conveyancing process on a property sale is normally less troublesome than for a purchase. With a purchase, the responsibility is solely on the buyer to determine whether the property they are buying is not legally defective.

In contrast, for a sale, conveyancing solicitors in Crewe acting for the person selling need only respond to the buyer's questions.

What can you do to minimise the risk of your sale falling through?

Common obstacles, like a historical dispute with a freeholder or not having a building regulations completion certificate, could threaten a sale if they are ignored.

Property specialists will usually suggest that sellers face any such problems head on and fix them.

Useful reading:

For more conveyancing advice for sellers click here.

Sale conveyancing for a leasehold property

The conveyancing process for a leasehold flat is quite a lot more technical than for a freehold property.

Conveyancing solicitors in Crewe will also carry out additional work, including requesting an up-to-date service charge statement, through to any documents pertaining to a variation of the terms of the lease.

To reduce delays, it is highly recommended that the vendor contacts a leasehold specialist as early in the process as possible, potentially before putting the property on the market,.

Can your conveyancing solicitors act for both parties?

SRA regulations ban a single conveyancing solicitor from working on behalf of both sides in a house sale and purchase. However, a CLC-regulated conveyancer, can act for both sides.

You may want to instruct a property solicitor firm in Crewe to carry out your legal work, if one of our conveyancing solicitors is acting for the other side.

Local Crewe conveyancing solicitor directory

  • Poole Alcock LLP, 238-246 Edleston Road, Crewe, Cheshire, CW2 7EH
  • Lewis Rodgers Limited, 4 Chantry Court, Forge Street, Crewe, Cheshire, CW1 2DL
  • Goddard Dunbar & Associates Ltd, Lincoln Chambers, 34-36 Hightown, Crewe, Cheshire, CW1 3BS
  • Beeston Shenton Solicitors Ltd, Unit 14, Mallard Court, Mallard Way, Crewe, CW1 6ZQ
  • Lynne Thornton, 50 Crewe Road, Shavington, Crewe, Cheshire, CW2 5JB

Conveyancing - Remortgaging a property in Crewe

Securing a better rate of interest is the main reason that people opt to remortgage. There are other reasons, for example releasing funds to help pay for home improvements, or wanting a more flexible mortgage.

A proactive conveyancing solicitor in Crewe can reduce the remortgage processing time, and move you to the better rate sooner. With the Bank of England base rate now at 0.5% (May 2018), fast conveyancing can be a critical factor in getting on to the rate you want.

It is important that the property lawyer carrying out the remortgage can also represent your chosen lender. Quittance Conveyancing are on the panel for all major UK lenders, so no matter whether you are switching to a 100% mortgage with Bradford & Bingley or to a fixed-rate mortgage with the Swansea Building Society, our remortgage team 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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