Award-winning No Move, No Fee conveyancing for Enfield home movers
By Gaynor Haliday , Oct 12, 2018
Quittance Conveyancing offer 100% fixed conveyancing fees, and because we focus on better communication between all parties, you will never be uncertain about the legal side of your move.
Every year our property lawyers deliver an award-winning No Sale, No Fee service to property sellers and buyers looking for conveyancing solicitors in Enfield.
Our no sale no fee service means should your move not proceed, even if you decide to pull out, you will not have to pay any conveyancing solicitors' legal fees.
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Enfield's most communicative conveyancing service
Almost half of those contacted for an InfoTrack survey of UK conveyancing customers complained about poor solicitor communication.
The regulators of Enfield property solicitors are focused on promoting proactive communication, and the customer service charters of the Council for Licensed Conveyancers and the Conveyancing Quality Scheme (CQS) make clear reference to communication standards.
Even so, a survey carried out by OnePoll of 1,500 people determined around half of homemovers believed that more efficient communication would have accelerated the completion of their sale or purchase.
Quittance Conveyancing's Enfield conveyancing solicitors aim to give you a proactive and informative conveyancing service by email, phone and via our case management app, 7 days a week:
- Cheapest Enfield conveyancing solicitor fees
- Weekend opening - Saturday (9am-1pm)
- Open Mon to Thurs 9am-8pm & Fri 9am-6pm
- Market-leading case handling technology
- Regular updates via smartphone, tablet and PC
- Personal extension numbers of your conveyancer
Updated: October 12, 2018
Enfield conveyancing solicitor fees and costs
No Move, No Fee conveyancing in Enfield
Conveyancing solicitor fees are the charges you pay conveyancing solicitors in Enfield for the legal work associated with buying or selling a property.
Are Enfield conveyancing fees and costs fixed?
Some conveyancing solicitors in Enfield offer services on a cost per hour basis. Some conveyancers will complete the work for a fixed fee (or 'No Move, No Fee'). We work on fixed legal fees (known as 'No Sale, No Fee' or 'No Move, No Fee'), with no nasty surprises in the small print. Your quote explains what fees you will need to pay when your sale or purchase completes.
What are disbursements?
You must cover the cost of any 'disbursements', in addition to the legal fees.
Disbursements are the costs incurred by the solicitor on your behalf. These include costs like local authority searches or managing agent fees.
How much will conveyancing in Enfield cost in total?
Although conveyancing fees in Enfield will be the same as anywhere else in the country, there can be variation in the disbursements required. For example, Local Authority Search fees can vary and specific extra searches, such as transport searches, may be necessary.
For a standard home sale or purchase, what we quote is the fee you pay. With Quittance Conveyancing, there are no hidden costs or nasty surprises. Calculate the conveyancing fees for your move, with our conveyancing fees calculator: Click here
Conveyancing - Buying a property in Enfield
The London Borough of Enfield lies to the northeast of central London bordering the boroughs of Barnet, Haringey and Waltham Forest. Its historic centre is Enfield Town, identified as one of the 35 major centres in Greater London.
The centre has recently undergone major redevelopment to improve the retail facilities and further work is underway to provide new homes.
To the east lies Epping Forest, 2,400 hectares area of ancient woodland and London's largest open green space, and to the north, the National Nature Reserve of Broxbourne Woods.
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Conveyancing for buyers
A seller is now required to disclose issues that could affect the value or enjoyment of their property to the prospective buyer.
It is, however, still the duty of the Enfield conveyancing solicitor to carry out due diligence on the property, make their "report on title", deal with any legal issues and register the title in the new owner's name.
The following considers those parts of the legal process for conveyancing solicitors in Enfield that necessitate specialist knowledge.
Your Enfield conveyancing solicitor must be lender-approved
Whether your mortgage is with a large lender like NatWest or a less common mortgage lender such as the Furness Building Society, before instructing a conveyancing solicitor in Enfield it is critical that you make sure that they can act in the interests of your lender.
Your conveyancer may not be able to carry out the legal work on behalf of your lender, because some mortgage lenders will only work with a restricted list (called a 'lender panel') of legal firms that pass strict selection criteria.
Under these circumstances, the lender will need a second legal firm to complete the legal work, and you will then have to cover this substitute lawyer's costs. This can push back the completion date of the purchase.
Our solicitors can carry out the legal work for all major and minor lenders.
- Lloyds Bank
- Barclays Bank
- HSBC Bank
- The Royal Bank of Scotland
- Santander Bank
- Nationwide Building Society
- Halifax Bank
- All UK lenders
Searches (Enfield Borough Council)
Property searches (sometimes referred to as 'conveyancing searches') are carried out by Enfield conveyancing solicitors to expose any significant issues that might reduce how much your property is worth.
Banks and building societies also expect certain searches to be applied for. These include:
|Local Authority (LA) search||contains information about the property and surrounding area held by Enfield Borough Council|
|Drainage & Water search||covers the location of water pipes and drains, and reveals if the upkeep for these falls on the owner or local council.|
|Environmental search||exposes whether the land around the property (500m radius) has been affected by subsidence, flooding or has been identified as "contaminated land"|
|Chancel repair liability||there is a risk that some Enfield properties owe a liability to the local parish to pay for church repairs. Insurance can be taken out to protect against this liability.|
Further searches, such as a tin mining search or a more detailed plan search, may also be referred to in the standard searches.
The London Borough of Enfield has an approximate lead time of 13 weeks for searches. In these circumstances, faster personal searches will be recommended.
Checking planning status
Official Entries will also be obtained from HMLR by the conveyancing solicitor acting for the homebuyer. This helps to find any issues, for example errors on the title plan or neighbours' rights of access.
London Borough of Enfield Council Tax
London Borough of Enfield calculate your council tax based on various factors which include the size of the property and the property's value as at 1 April 1991 (England) or 1 April 2003 (Wales). For instance for an average Band B home in Enfield, the amount due would be £1,210.
A conveyancing solicitor in Enfield will inform the buyer of the property's tax band as soon as 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 £907.
Other discounts and exemptions could also apply, e.g. if the property is a second home then a 10% discount will be applied or if the home is left unoccupied by a student.
|Band||London Borough of Enfield Tax (2018)|
Are you paying too much?Contact the VOA for more information on how to challenge your tax band:
Valuation Office Agency
305 Chase Rd
It is possible to challenge the council tax band after moving in. Between April 2016 and April 2017, 60 council tax challenges were made, and 20 were upheld and refunds awarded.
Stamp Duty on Enfield properties
It is the responsibility of the buyer's conveyancing solicitor to handle the tax return process for the purchase.Stamp Duty Land Tax will almost always need to be paid if the residential property being purchased is valued at over £125k.
Quittance Conveyancing is able to administer the SDLT process faster and more efficiently than ever, using integrated online systems.
See table below for Stamp Duty Land Tax examples for homes in Enfield:
|Average sale price (2017)||Stamp Duty|
|Average price (detached)||£1,109,160||£54,666.00|
|Average new build||£528,387||£16,419.35|
Stamp duty relief for first-time buyers in Enfield
Relief is available on home purchases below £300,000 for first-time buyers with reduced rates up to £500,000.
Enfield conveyancing solicitors will ensure the right tax is paid.
Buying a flat? Leasehold conveyancing in Enfield
The risks of owning a leasehold property should be a worry for leasehold property buyers. The many potential complications lying in wait for an uninformed buyer can include:
- unreasonable ground rents
- onerous clauses in the lease
- unpaid service charges by the existing leaseholder
- absent freeholders
If you are planning to purchase a property with a lease, a good conveyancing solicitor in Enfield will consider potential leasehold issues, including :
- reviewing the lease itself (some documents can be centuries old)
- dealing with freeholders
- any recent demands for service charges and ground rent
- insurance covenants
Ensure that you are aware of all the potential issues and costs associated with the lease - Call Quittance Conveyancing's specialist leasehold conveyancing solicitors today on 0800 612 0377.
Buying a 'New Build' property in Enfield?
Based on data collated by the Land Registry, 1 brand new properties have been bought in Enfield in 2018 so far. The average purchase price of new builds in Enfield is £775,000.
A new-build conveyancing solicitor in Enfield must be aware of regional issues and the extra complexities of new build, e.g. verifying rights of access and handling reservation fees.
Our award-winning team of conveyancers are specialists in working to tight developer deadlines and helping new build purchasers obtain the best possible terms.
When acting for the purchaser of a property in Enfield, a conveyancing solicitor will need to confirm if the residential property is in one of Enfield's conservation areas. If it is, the property will be affected by certain restrictions. These restrictions, referred to as Article 4 Directions, can include a wide range of constraints from general restrictions governing the use of non-traditional materials, to restrictions on replacing roof tiles.
The local authority can order any non-compliant alterations to a property to be changed or removed, such as removing a garden fence or gate.
Enfield conservation areas include Hadley Wood, Abbotshall Avenue and Fore St Edmonton. Your conveyancing solicitor will address whether your planned purchase is located one of Enfield's conservation areas.
Conveyancing - Selling a property in Enfield
The conveyancing process on a sale of a house or flat is much simpler than when buying. The purchaser carries out detailed due diligence into the property. Conveyancing solicitors in Enfield acting for the seller simply collects any required paperwork and replies to the solicitor's standard and additional enquiries .
Why do sales fall through?
A house or flat can face numerous potential roadblocks (e.g. problems with a party wall agreement) that can threaten a transaction.
It is usually a good idea for vendors to tackle these issues head on.
- No electrical completion certificate? What to do before selling your home
- What to do if selling a home without planning permission
- The Essential Conveyancing Guide for Sellers in 2018
Read more helpful advice for sellers here.
Sale conveyancing for a leasehold property
Conveyancing for a leasehold flat is much more involved compared to a freehold house.
The complexities of leasehold mean conveyancing solicitors in Enfield must undertake extra work, which could include requesting the latest service charge and ground rent statement or a common parts fire risk assessment.
It is strongly advised that the vendor contacts a leasehold-specialist conveyancer as soon as the decision is made to sell to ensure the legal technicalities are handled correctly.
Can your conveyancing solicitors act for the buyer and the seller in a single transaction?
Solicitors Regulation Authority (SRA) rules prevent a single conveyancing solicitor from acting on both sides in a property sale and purchase. However, a conveyancer who is regulated by the CLC, can act for both parties.
If you are buying or selling a home in Enfield, and one of our conveyancing solicitors is acting for the other side, you may wish to contact a law firm in Enfield to carry out your legal work.0
Conveyancing - Remortgaging a property in Enfield
Whilst homeowners consider remortgaging for a range of reasons, homeowners will generally remortgage their home to save money with a lower rate.
You can benefit from a lower rate sooner with a more proactive conveyancing solicitor in Enfield. With the base rate now at 0.5% (May 2018), fast conveyancing can be a crucial factor in getting on to the rate you want.
It is vital that the property lawyer carrying out the remortgage can also act for your preferred mortgage provider. Quittance Conveyancing are on the panel for all major lenders, so no matter whether you are switching to a lifetime tracker mortgage with the Halifax or to a variable-rate mortgage with the Darlington Building Society, our remortgage specialists can help.
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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