Award-winning No Move, No Fee conveyancing for Fareham home movers
By Gaynor Haliday, Legal researcher
Updated: October 12, 2018
Every year our award-winning No Sale, No Fee property lawyers help home buyers and sellers looking for conveyancing solicitors in Fareham and across Hampshire.
With 100% fixed conveyancing fees and a commitment to better communication between all parties, our team know what will make the biggest difference to your move.
Our no sale no fee guarantee means should your move not proceed, even if you decide to pull out, you won't incur any conveyancing solicitors' legal fees.
Fareham's most communicative conveyancing service
Nearly one in two of those contacted for a survey commissioned by InfoTrack objected to the inadequate communication they received from their lawyer.
Conveyancing solicitor communication is considered so critical that the CLC (Council for Licensed Conveyancers) Client Charter prioritises tackling the issue.
Notwithstanding attempts by the Council for Licensed Conveyancers and the SRA to address the issue, according to a Conveyancing Association survey of 1,500 people, almost half of consumers felt that their sale or purchase would have completed sooner with more effective communication.
Keeping you in the loop
Our team of Fareham conveyancing solicitors deliver the UK's most informative and proactive conveyancing service. We deliver to you the information you require by phone, email and via online case management, every day of the week:
- Cheapest Fareham conveyancing solicitor fees
- Your dedicated conveyancing lawyer's DDI and email address
- Stay in touch with the progress of your case by your chosen method (including SMS, phone and email)
- Innovative case management technology
- Open Mon to Thurs 9am-8pm & Fri 9am-6pm
- We are open weekends - Saturday (9am-1pm)
Updated: October 12, 2018
Fareham conveyancing solicitor fees
No Move, No Fee conveyancing in Fareham
Conveyancing solicitor fees are the charges you pay your Fareham conveyancing solicitor for the legal work for a home sale or purchase.
How are Fareham conveyancing fees calculated?
We work on a fixed No Move, No Fee basis with no hidden fees, unlike some other conveyancing solicitors in Fareham who work on an hourly rate. Your quote will explain all fees and disbursements you will need to pay when your property transaction has completed.
Besides conveyancing fees, what other costs are there?
In addition to the solicitor's conveyancing fees you will also have to pay for 'disbursements'.
Disbursements are the costs and expenses a solicitor needs to pay out on behalf of a client. These include costs like bankruptcy checks or telegraphic transfer fees.
How much will conveyancing in Fareham cost in total?
Although conveyancing fees in Fareham will be the same as anywhere else in the UK, there can be variation in the disbursements required. For example, council search fees will vary and specific extra searches, e.g. a flood plain search, may be necessary.
With Quittance Conveyancing, there are absolutely no hidden fees. 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
Conveyancing - Buying a property in Fareham
Caveat emptor, meaning 'let the buyer beware', was a fundamental principle of English property law. Since the repeal of the Property Misdescriptions Act in 2013, this rule no longer applies. However, a purchaser must still undertake due diligence on the property to be purchased.
The conveyancing solicitor in Fareham will offer suggestions and advice following their enquiries, find solutions to outstanding defects and other issues and make sure that the title is registered in the name of the new buyer.
This part of the article gives useful information for homebuyers looking for conveyancing solicitors in Fareham.
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- Conveyancing solicitors in Hampshire
Your Fareham conveyancing solicitor must be lender-approved
Before instructing a Fareham conveyancing solicitor, it is vital that you check that they are on the approved panel of your mortgage lender, whether you are getting a mortgage from the Chelsea Building Society, Yorkshire Bank or any other lender.
Your lawyer may not be able to carry out the legal work for your mortgage lender, because some banks and building societies will only work with a selected list (known as a 'panel') of firms.
In this case, the lender will need a second firm to complete the legal work, and you will usually need to pay this second solicitor's fees. Handling paperwork and correspondence with this additional party can delay the process.
Our solicitors are on the panel of all banks and other lenders.
- Lloyds Bank
- Barclays Bank
- HSBC Bank
- The Royal Bank of Scotland
- Santander Bank
- Nationwide Building Society
- Halifax Bank
- All UK lenders
Fareham Borough Council searches and other searches
Residential property searches are enquiries made by Fareham conveyancing solicitors to help uncover relevant information about the property being purchased.
Mortgagees almost always need searches (as set out in the CML Handbook) to be obtained. These include:
|Local Authority (LA) search||covers the details of planning applications, decisions and the enforcement of breaches or violations.|
|Environmental search||shows risks within 500 metres of the property, such as toxic chemicals in the land|
|Drainage & Water search||confirms who is responsible for the upkeep of the water pipes and drainage that serve the property.|
|Chancel repair liability||insurance is arranged to protect the buyer against any liability for local parish church repairs.|
Homebuyers will be made aware if your mortgage lender needs any further searches, such as a radon gas search or a ground stability report.
The typical processing time for property searches delivered by Fareham Borough Council is 7 weeks. Your conveyancer will recommend using a faster search agent.
The buyer's conveyancing solicitor will request official entries from HM Land Registry, assisting with the identification of any planning issues, for example outbuildings lying outside the boundary or rights or restrictions on how the property may be used.
Fareham Borough Council Council Tax
Fareham Borough Council calculate council tax on Fareham homes based on the number of occupants and the historic value of the property (as valued at 1 April 1991). For instance the occupier of a Band D house in the Fareham Borough Council area would pay annual council tax of £1,599.
Conveyancing solicitors in Fareham will inform the buyer of the property's band as soon as they are made aware.
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 reduces the tax due to 75% which would equal £1,200.
Other discounts and exemptions may also apply, for example a 10% discount for second homes or if an occupier is an apprentice school leaver or YTS trainee.
|Band||Fareham Borough Council Tax (2018)|
Can I lower my band?
Owners can ask for their property to be reassessed. If the valuation is revised down, they may be entitled to a refund. To challenge your banding contact:
Valuation Office Agency
Stamp Duty on Fareham properties
SDLT is paid to HMRC and the buyer's conveyancing solicitor will ensure that the tax return process is carried out.Stamp duty will almost always need to be paid if the house being purchased is valued at over £125k.
Quittance Conveyancing use the latest case management integration with HMRC to avoid errors and ensure there are no late-filing penalties.
See examples for Fareham properties:
|Average selling price (2018 to date)||Stamp Duty Land Tax|
|Average price (detached)||£462,238||£13,111.90|
|Average new build||£395,000||£9,750.00|
Stamp duty relief for first-time buyers in Fareham
For first-time buyers, stamp duty is only payable on purchases over £300,000.
Fareham conveyancing solicitors should confirm an accurate calculation is made.
Buying a flat? Leasehold conveyancing in Fareham
It has been recently reported that over 100,000 property owners in the UK have property leases with unreasonable lease clauses. There is a wide range of sometimes obscure legal issues that may be awaiting an uninformed buyer, including:
- freeholds sold without first refusal to leaseholders
- undisclosed major works
- unfair developer practices
- ground rent multipliers
If you are planning to buy a leasehold home, a good conveyancing solicitor in Fareham will consider possible leasehold issues, including :
- reviewing the lease itself (many leases are decades old)
- absent freeholders
- any recent demands for service charges and ground rent
- rights issues
Quittance Conveyancing's leasehold conveyancing solicitor team will make sure that you are fully-informed regarding your decision to buy a leasehold property.
Buying a 'New Build' property in Fareham?
The average purchase price of a new build home in Fareham is £395,000. 2 new build homes have been bought in Fareham in 2018 so far.
Buying a new build is frequently more involved than other types of conveyancing. To prevent difficulties arising a conveyancing solicitor in Fareham should be mindful of local issues and needs to check numerous things, including checking new build mortgage procedures are followed and ensuring compliance with planning regulations.
Our award-winning new build team specialise in new build purchases and working to developer exchange timeframes.
Conservation areas in Hampshire
When acting for the purchaser of a property in Fareham, a conveyancing solicitor will need to confirm if the property is in one of Fareham's conservation areas. If it is, the property will be affected by certain constraints. These constraints, called Article 4 Directions, can include restrictions on the removal of front boundary walls, limitations on new outbuildings or restrictions preventing paving over the front garden.
The new owner could be ordered to pay for necessary changes to bring a property in line with current regulations, even if the previous owner was responsible for the changes.
Fareham conservation areas include Cams Hall, Swanwick Shore and Titchfield Abbey. Your Quittance conveyancing solicitor will confirm if the property you are purchasing is located in a conservation area in Fareham.
Conveyancing - Selling a property in Fareham
The legal work involved in a sale of a home usually requires less work than when buying. When property changes hands, caveat-emptor' means that the onus is solely on the buyer to establish that the property they are purchasing is mortgageable and is (or can be) registered at the Land Registry.
On the other hand, when selling, conveyancing solicitors in Fareham acting for the existing owner effectively just answer any enquiries made by the buyer's solicitor.
What could put the conveyancing process at risk?
Homes can be burdened by a broad spectrum of complex issues (e.g. having a defective lease) that might delay a sale for weeks.
Property experts will generally advise that vendors handle these issues as soon as they come to light.
- Dispute with a freeholder? 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 helpful advice for sellers here.
Leasehold conveyancing for a sale
Conveyancing for a leasehold property is significantly more involved in comparison with a freehold house.
Conveyancing solicitors in Fareham will also carry out additional work, for example liaising with the management company to obtain the freeholder pack, through to details of historical insurance claims.
To speed up the leasehold conveyancing process, it is strongly advised that the seller instructs a lawyer with leasehold experience as soon as possible.
Can Quittance conveyancers act for the buyer and the vendor in one transaction?
SRA regulations ban the same conveyancing solicitor from acting on both sides in a property sale. However, a conveyancer who is regulated by the CLC, can act for both the buyer and the seller.
You could contact a property solicitor firm in Fareham to undertake your conveyancing, if a Quittance conveyancer is carrying out the legal work for the other side.
Local Fareham conveyancing solicitor directory
- Churchers Solicitors, 12 High Street, Fareham, Hampshire, PO16 7BL
- Warner Goodman LLP, Portland Chambers, 66 West Street, Fareham, Hampshire, PO16 0JR
- Hudsons Solicitors Ltd, Lothian House, 22 High Street, Fareham, Hampshire, PO16 7AE
- The You Trust - Portsmouth Community Legal Advice Centre, Admiral House, 43 High Street, Fareham, Hampshire, PO16 7BQ
- Jasper Vincent Solicitors, 227 West Street, Fareham, Hampshire, PO16 0HA
Conveyancing - Remortgaging a property in Fareham
The main reason homeowners remortgage is to get a lower interest rate. There are other reasons to consider remortgaging, such as releasing equity, or the existing lender having refused a payment holiday.
You would typically benefit from a lower rate faster with a more proactive conveyancing solicitor in Fareham, working to shorten the processing time of the legal work. With the base rate now at 0.5% (May 2018), fast conveyancing can be a contributing factor to getting on to the rate you want.
The property lawyer will need to act for both you and the mortgage provider, in order to confirm the lender's new interest is correctly registered and the lender's investment is secured.
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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