Updated: October 12, 2018

Filton conveyancing solicitor fees

No Move, No Fee conveyancing in Filton

Conveyancing solicitor fees are the costs you pay your Filton conveyancing solicitor for the legal work associated with buying or selling a property.

Are Filton conveyancing fees and costs fixed?

Our conveyancing solicitors work on fixed legal fees (known as 'No Sale, No Fee' or 'No Move, No Fee') with no hidden fees, unlike some other conveyancing solicitors in Filton who offer services on a cost per hour basis. Your quote will set out exactly what you will be charged when your house or flat sale completes.

Are there any other costs?

You must cover the cost of any 'disbursements', in addition to the solicitor's conveyancing fees.

Disbursements are fees that a property lawyer must pay to other companies during the process of buying or selling your home, such as HMLR fees or indemnity insurance.

See: A guide to all conveyancing fees

How much will the total Filton solicitor conveyancing fees be?

Conveyancing solicitor fees in Filton will be the same as anywhere else in the UK. However, the costs of certain disbursements can vary. For example, council search fees will vary and specific extra searches, e.g. utilities searches, may be necessary.

There are no hidden fees or costs to be paid with Quittance Conveyancing. For standard conveyancing transactions, the fees we quote are the fees you pay. Work out the conveyancing fees for your move, with our conveyancing calculator: Click here

Quittance delivered an excellent service at the lowest conveyancing fees we could find

Conveyancing - Buying a property in Filton

"Caveat emptor", or "buyer beware", was a key part of English property law. The 2008 Consumer Protection Against Unfair Trading Regulations (CPRs) have effectively abolished this rule, however, and it is still the duty of a buyer's solicitor to carry out due diligence on a planned purchase.

A Filton conveyancing solicitor will give advice once their enquiries are complete, solve outstanding issues and register the new owner's title at the Land Registry.

The following provides useful advice for homebuyers who need conveyancing solicitors in Filton.

Your Filton conveyancing solicitor must be lender-approved

Homebuyers have many mortgage providers available, from a niche lender like DB UK Bank, to a large lender such as Lloyds Bank. Before selecting a Filton conveyancing solicitor, whoever you choose, it is vital that you check that they are on the approved solicitor panel of your chosen lender.

Your lawyer may be unable to act for your chosen lender, because some lenders will only work with a selected list (their 'panel') of legal practices.

In this case, the lender will require a different solicitor firm to act in their interests, and you will be expected to pay this second solicitor's fees. This can frustrate or delay the process.

Failing to check your lawyer's lender panel status can result in significant delays.

Quittance Conveyancing can act for all banks and building societies.

Conveyancing Searches (South Gloucestershire District Council)

Residential property searches are enquiries made of various authorities by Filton conveyancing solicitors to identify issues affecting the property being purchased. They include:

SearchDescription
Local Authority (LA) searchreveals issues like whether the adjoining road and pavement are publicly maintained
Environmental searchshows risks within 500 metres of the property, such as toxic chemicals in the land
Drainage & Water searchidentifies the location of sewers and water mains, and will confirm whether these are maintained by the local council.
Chancel repair liabilitydescribes the insurance to protect against any liability owed by Filton properties for local parish repairs.

More specific searches, such as a tin mining search or a more detailed environmental report, may also be advised following the initial searches.

The typical processing time for conveyancing searches delivered by South Gloucestershire District Council is 7 weeks. In these circumstances, faster personal searches will be advisable.

Ensuring planning permission is in place

Official Entries will also be obtained from HMLR by your conveyancing solicitor. This will help to reveal any issues. Examples of these include the title plan showing only very general boundaries or right of access issues.

South Gloucestershire District Council Council Tax

The amount of council tax a homeowner in Filton will pay to South Gloucestershire District Council will depend on the property's value and the number of residents. The occupier of a property in Valuation Band E, for example, would owe annual council tax of £2,179.

Filton conveyancing solicitors will inform the buyer of the home's council tax band after this is confirmed by the searches.

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 (25%) would reduce the tax due to £1,634.

Other discounts and exemptions may also apply, for example if the property is uninhabited (for the first 60 days) or if the property is a 'granny annexe'. Newer property is assessed by the Valuation Office Agency (VOA) and allocated a council tax band.

Band South Gloucestershire District Council Tax (2018)
A £1,189
B £1,387
C £1,585
D £1,783
E £2,179
F £2,575
G £2,971
H £3,566

Are you paying more than you should?

Contact the VOA for more information on how to challenge your tax band:

Valuation Office Agency
4th Floor
Citypoint
Temple Gate
Bristol
BS1 6PL
Avon

It is possible to challenge the council tax band after moving in. Between April 2016 and April 2017, 70 council tax challenges were made. 30 were upheld and refunds awarded.

Stamp Duty on Filton properties

The buyer's conveyancing solicitor will ensure that the SDLT is correctly calculated and is paid to HMRC. This occurs once the property sale has completed.

A property purchaser will usually need to pay stamp duty if the house they are purchasing is valued at over £125,000.

Our post-completion conveyancing team use online case management system to ensure the SDLT1 tax return is submitted to HMRC (formerly Inland Revenue) as quickly as possible.

See Stamp Duty Land Tax examples for properties in Gloucestershire:

  Average selling price (February 2018) Stamp Duty Land Tax
Average price £256,971 £2,848.55
Average price (detached) £390,609 £9,530.45
Average new build £272,497 £3,624.85

Stamp duty relief for first-time buyers in Filton

Relief is available on home purchases below £300k for first-time buyers with relief up to £500,000 in some areas. Following the autumn budget statement, second home buyers have had to pay a 3% SDLT surcharge. E.g. if a second property was bought for £256,971 then the SDLT including the surcharge would be £20,557.68. .

Filton conveyancing solicitors will ensure the correct tax is paid.

Buying a flat? Leasehold conveyancing in Filton

New build site

Buying a leasehold home is not as simple as purchasing a freehold home. Ground rent multipliers, absent freeholders and leases with fewer than 80 years to run are but a few of the many potential difficulties awaiting an uninformed buyer.

Erroneous leasehold advice, from a conveyancing solicitor with limited leasehold experience, can have costly, long-term consequences.

If you are planning to buy a property with a lease, a good conveyancing solicitor in Filton will consider possible leasehold issues, for example :

  • sometimes ancient and arcane lease documents
  • dealing with landlords
  • ground rents and service charges
  • proposed major works (Section 20 notices)
  • external decorations

Our leasehold conveyancing solicitor team will ensure that you are aware of all the potential issues and costs associated with the lease.

Buying a 'New Build' property in Filton?

House being built

According to data compiled by HM Land Registry, the average price for Filton new builds is £307,383. 53 new build properties have been bought in Filton in 2018 so far.

A new-build conveyancing solicitor in Filton will need to be aware of local Filton issues and the added complexities associated with new build, such as handling equity loan schemes, investigating road and drainage issues and checking new build warranties with warranty providers, including NHBC, Build Zone and Checkmate.

With our new build team, you will get an accurate and truly independent assessment of the legal status of the property, looking out for considerations ranging from onerous leasehold conditions to an assessment of other risks, such as regional infrastructure development.

Conservation areas in Bristol

When acting for the purchaser of a property in Filton, a conveyancing solicitor will need to confirm if the property is in one of Filton's conservation areas. If it is, the home could be affected by specific constraints. These constraints could include a wide range of constraints from restrictions on the removal of front boundary walls, to general restrictions governing non-uniform additions or modifications.

The local planning authority can order any non-compliant alterations to a property to be changed or removed.

Your Quittance conveyancing solicitor will confirm if the property you are purchasing is located in a conservation area in Filton.

Conveyancing - Selling a property in Filton

The legal work involved in a sale of a home is simpler than for a purchase. When a house or flat changes hands, the responsibility is solely on the buyer to ensure that the legal title of the property does not have any legal issues.

Conversely, with a sale, conveyancing solicitors in Filton acting for the existing owner only need to answer enquiries made on behalf of the buyer.

What could go wrong?

Common hurdles, such as parking issues or disputes, might threaten a sale if not handled appropriately.

Don't put off finding a solution in the hope that any issues won't be spotted - seek out professional help instead and deal with it ASAP.

Recommended reading:

Read more sale conveyancing articles here.

Leasehold

Conveyancing for a leasehold flat is much more specialised than for a freehold property.

Filton conveyancing solicitors must usually carry out further legal work, and this could include obtaining the latest service charge and ground rent statement, through to a copy of the lease.

Vendors should instruct a solicitor as soon as is practicable to mitigate (somewhat inevitable) leasehold delays.

What if Quittance is already acting for the other side?

SRA regulations prevent the same conveyancing solicitor from acting on both sides in a house sale and purchase. However, CLC-regulated conveyancers, can act for both the buyer and the seller.

You may wish to contact a law firm in Filton to undertake your legal work, if a Quittance conveyancing solicitor is doing the legal work for the other side.

0

Conveyancing - Remortgaging a property in Filton

People remortgage for a number of reasons, for example releasing funds to help pay for home improvements, or wanting a more flexible mortgage. The main reason, however, is to secure a lower interest rate.

Homeowners can benefit from a better rate earlier with a more efficient conveyancing solicitor in Filton. With the base rate set at 0.5% (May 2018) and future interest rate changes hard to predict, fast conveyancing can play a key role in securing the rate you want.

It is vital that the property lawyer undertaking the legal work can act on behalf of the new mortgage lender. Our conveyancers are on the panel for all major UK lenders. So no matter whether you are switching to a fixed-rate mortgage with the Halifax or to a fixed-rate mortgage with the Bank of Ireland, our remortgage specialists can help.

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

Instant online conveyancing solicitor quote

Quittance Conveyancing delivers fast, proactive and communication-focused conveyancing to Filton home buyers and sellers. Your dedicated conveyancer will keep you informed every step of the way.

Get a conveyancing quote icon

Get a quote

Get a conveyancing solicitor quote for your Filton property sale, purchase or remortgage.

Get a quote online

or call us on 0800 612 0377

Compare conveyancing solicitors icon

Compare solicitor quotes

Find out more about how to compare conveyancing solicitor quotes in 2018.

Find out more
Contact conveyancing team icon

Email us

If you have any questions or would like to discuss your sale or purchase with an expert, email us at:

conveyancing@quittance.co.uk

Ask a conveyancing expert

If you have any questions about getting a conveyancing quote or any aspect of the conveyancing process, let us know:

Be the first!