Award-winning No Move, No Fee conveyancing for Epsom home movers
By Gaynor Haliday, Legal researcher
Updated: October 12, 2018
Quittance offer guaranteed fixed conveyancing fees, and because we focus on better communication, you will always stay informed about how your move is progressing.
Every year our expert property lawyers deliver an expert no sale - no fee service to property sellers and buyers looking for conveyancing solicitors in Epsom and across Surrey.
Our no move no fee promise means should your move not proceed, you will not have to pay any conveyancing solicitors' legal fees.
Epsom's most communicative conveyancing service
According to a poll carried out by the Law Society, over 45% of the participants stated that poor communication delayed their home move.
The official bodies of Epsom conveyancing solicitors are focused on generally improving communication standards, and the service quality standards of the CLC and the Conveyancing Quality Scheme (CQS) make reference to better communication standards.
Nevertheless, according to a Conveyancing Association-commissioned survey, 0.25 of conveyancing transactions fail due to delays caused by poor communication.
Keeping you informed
Our Epsom conveyancing solicitors offer an exceptional conveyancing service. We strive to deliver to you the answers you require wherever you are, using your preferred contact method, every day of the week:
- Cheapest Epsom conveyancing solicitor fees
- Your conveyancing lawyer's direct line
- Open Mon to Thurs 9am-8pm & Fri 9am-6pm
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Updated: October 12, 2018
Epsom conveyancing solicitor fees and costs
No Move, No Fee conveyancing in Epsom
Conveyancing solicitor fees will be paid to conveyancing solicitors in Epsom for the legal work associated with moving home.
Do Epsom conveyancing solicitors work on a fixed fee basis?
Quittance's conveyancing solicitors work on a No Sale, No Fee basis with no hidden costs, unlike some other conveyancing solicitors in Epsom who work on an hourly-rate basis. Your conveyancing quote will set out exactly what you will be charged when your sale or purchase goes through.
Are there any other costs in addition to conveyancing fees?
In addition to conveyancing solicitor fees you will also have to pay for 'disbursements'.
Disbursements are fees, costs or taxes that your property solicitor will have to pay to third parties on behalf of their client, such as property searches or telegraphic transfer fees.
How much will the total conveyancing fees in Epsom cost?
Conveyancing fees in Epsom will be the same as anywhere else in the UK. There may, however, be some variation in certain disbursements. As examples, additional region-specific searches, such as a flood plain search, may be needed and Local Authority (LA) Search fees will vary.
There are no hidden fees or costs to be paid with Quittance. For a standard conveyancing transaction, the fees we quote are the fees you pay. To calculate the conveyancing fees for your move, try our conveyancing fees quote calculator: Click here
Conveyancing - Buying a property in Epsom
As a key part of the legal work for a property buyer, a Epsom conveyancing solicitor will carry out due diligence on the tenure and investigate the property's title and report back in detail to the buyer and the lender.
The solicitor will offer professional advice following their enquiries, solve outstanding issues and ensure that the change of ownership is registered at the Land Registry.
The following provides recommendations for buyers looking for conveyancing solicitors in Epsom.
- Conveyancing solicitors in Banstead
- Conveyancing solicitors in Leatherhead
- Conveyancing solicitors in Surrey
Your Epsom conveyancing solicitor must be lender-approved
Before selecting a conveyancing solicitor in Epsom, it is vital that you check that they can represent your chosen lender, whether you are getting a mortgage from Halifax, the Harpenden Building Society or any other lender.
Quite a few banks and building societies are only prepared to work with a selected list (known as a 'panel') of law firms. If a conveyancer can't act for your chosen lender, the lender will require a different law firm to complete the legal work.
You will usually need to pay this second solicitor's fees, and weeks could be added to the conveyancing process.
Quittance Conveyancing can perform the conveyancing for all mortgage lenders.
- Lloyds Bank
- Barclays Bank
- HSBC Bank
- The Royal Bank of Scotland
- Santander Bank
- Nationwide Building Society
- Halifax Bank
- All UK lenders
Searches (Epsom & Ewell Borough Council)
Property searches (sometimes referred to as 'conveyancing searches') are enquiries made of various authorities by Epsom conveyancing solicitors to highlight issues affecting the property being purchased. They include:
|Local Authority (LA) search||includes the LLC1 Local Land Charge Register and CON29 Enquiry Form|
|Environmental search||environmental issues that could adversely affect the property|
|Drainage & Water search||confirms who is responsible for the upkeep of the water pipes and drainage that serve the property.|
|Chancel repair liability||there is a risk that some Epsom properties owe a liability to the local parish to pay for church repairs. Insurance can be taken out to protect against this liability.|
You will be made aware if your lender wants any further searches, e.g. a highways search or a disadvantaged area search.
Buyers can expect to wait around 5 weeks for conveyancing searches supplied by Epsom & Ewell Borough Council, so quicker regulated searches will be advisable.
Your conveyancing solicitor will obtain an Official Copy of the Title Register from HM Land Registry, helping to evidence any potential issues. These issues could include a restrictive covenant against certain alterations or outbuildings lying outside the boundary.
Epsom & Ewell Borough Council Council Tax
Epsom & Ewell Borough Council calculate your council tax based on various criteria e.g. the location of the property and the value of the home as determined by the VOA in 1991. The occupier of a property in Valuation Band B, for example, would owe annual council tax of £1,431.
Conveyancing solicitors in Epsom will inform a buyer 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 £1,074.
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 a 'granny annexe'.
|Band||Epsom & Ewell Borough Council Tax (2018)|
What to do if you suspect your new home is incorrectly valuedTo challenge your banding contact:
Valuation Office Agency
1 Francis Grove
A homeowner can challenge the council tax band after moving in. Between April 2016 and April 2017, 20 council tax challenges were made. 0 were upheld and refunds awarded.
Stamp Duty on Epsom properties
Doing the SDLT1 form yourself is hard and not for the wary.SDLT is a percentage of the purchase price of a property paid by the buyer to HMRC (formerly Inland Revenue). It is due on properties bought for over £125k.
Quittance's integrated case management system integrates with electronic filing gateway to ensure that the Stamp Duty Land Tax is paid in full quickly and accurately.
See examples for average local properties:
|Average selling price (2017)||SDLT|
|Average price (detached)||£774,888||£28,744.40|
|Average new build||£377,219||£8,860.95|
Stamp duty relief for first-time buyers in Epsom
Relief is available on home purchases below £300,000 for first-time buyers. Homeowners must pay a higher rate of SDLT when purchasing a second property. E.g. if a second property was bought for £516,946 then the stamp duty including the surcharge would be £41,355.68. .
Epsom conveyancing solicitors will ensure the right amount is calculated.
Buying a flat? Leasehold conveyancing in Epsom
The potential pitfalls of purchasing a leasehold flat in the UK are recognised. Numerous legal issues could be lying in wait for the unsuspecting purchaser, including:
- increasing ground rents
- excessive freehold premiums
- unpaid service charges by the existing leaseholder
- reversionary interests
A expert conveyancing solicitor in Epsom will address aspects of leasehold, for example :
- reviewing the lease itself (many leases are decades old)
- service charges
- absent freeholders
Ensure that you are fully-informed regarding your decision to buy a leasehold property with Quittance Conveyancing's leasehold conveyancing solicitor team.
Buying a 'New Build' property in Epsom?
According to data sourced by HMLR, the average sale price of a new build home in Epsom is £138,333. 3 brand new homes have been bought in Epsom in 2018 so far.
A new-build conveyancing solicitor in Epsom will need to be aware of local factors and the specific issues associated with new build, e.g. investigating road and drainage issues and advising on mortgage offer flexibility for delayed completion.
Our team of new build conveyancers deliver an independent assessment of the legal title of the property, and in particular issues like onerous leasehold conditions and an assessment of other risks, such as regional infrastructure plans (e.g. HS2).
Surrey Conservation areas
Whether you are buying a thatched cottage or a Georgian town house, if the home is in an officially designated conservation area, any planned alterations to the home might not be permitted by Epsom & Ewell Borough Council.
These restrictions, called Article 4 Directions, could include restrictions on the use of PVC or aluminium windows, limitations on new outbuildings or general restrictions governing the use of non-traditional materials.
The local planning authority can order any non-compliant alterations to a property to be changed or removed.
Your conveyancing solicitor will address whether your planned purchase is located one of Epsom's conservation areas.
Conveyancing - Selling a property in Epsom
Conveyancing for a property sale is more straightforward than for a purchase. The buyer's solicitor undertakes a comprehensive legal review into the property and its legal title, whilst conveyancing solicitors in Epsom acting for the vendor effectively just collects any required paperwork and answers the purchaser's enquiries .
What could put your sale at risk?
Homes can face numerous legal issues (such as being in an area threatened by local development or missing planning regulations) that might protract or even derail the conveyancing process.
It is generally advisable for sellers to address such issues immediately.
- The Essential Conveyancing Guide for Sellers in 2018
- Subsidence? What to do before selling your home
- No electrical completion certificate? What to do before selling your home
For more conveyancing advice for sellers click here.
The conveyancing process for a leasehold property is quite a lot more specialised than for a freehold property.
Leasehold complexity involves additional work on the part of conveyancing solicitors in Epsom, including requesting an up-to-date service charge statement, through to details of any consents for alterations.
So as to resolve any leasehold-related delays sooner, it is recommended that the vendor contact a solicitor as early as possible.
What if Quittance is already acting for the other side?
Solicitors Regulation Authority rules restrict a single conveyancing solicitor from working on behalf of both sides in a property sale. A CLC-regulated conveyancer, however, can act for both the buyer and the seller.
If you are buying or selling a Epsom property, and we are acting for the other side, you can contact a local Epsom conveyancing solicitor firm to carry out your legal work.
Local Epsom conveyancing solicitor directory
- Gumersalls, The White House, 16 Waterloo Road, Epsom, Surrey, KT19 8AZ
- J A Stevens & Co, 3a High Street, Epsom, Surrey, KT19 8DA
- TWM Solicitors LLP, 123 High Street, Epsom, Surrey, KT19 8AU
- BWT Law LLP, 6 South Street, Epsom, Surrey, KT18 7PF
- Cavendish Legal Group Limited, Ormonde House, 2 High Street, Epsom, KT19 8AD
Conveyancing - Remortgaging a property in Epsom
Saving money on a better rate of interest is the main reason that people change lenders. There are other reasons, including extending the mortgage term, or wanting a more flexible mortgage.
Homeowners can benefit from a lower rate faster with a more proactive conveyancing solicitor in Epsom, shortening the time the conveyancing takes. With the base rate now at 0.5% (May 2018), fast conveyancing can be a key consideration when getting onto your new rate as quickly as possible.
The property lawyer conducting the legal work must also be able to act on behalf of your chosen bank or building society. Quittance Conveyancing are on the panel for all major UK lenders, so no matter whether you are changing to a 100% mortgage with Santander or to a variable-rate mortgage with the Allied Irish Bank, Quittance 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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