Award-winning No Move, No Fee conveyancing for Haringey home movers
By Gaynor Haliday, Legal researcher
Updated: October 12, 2018
With 100% fixed conveyancing fees and a focus on proactive communication between all parties, our team know how to help you move more efficiently.
Whether you are buying, selling or remortgaging a property and need conveyancing solicitors in Haringey, our award-winning no sale, no fee property lawyers can help.
Our no move no fee promise means that should your home move not go ahead, you won't incur any conveyancing solicitors' legal fees.
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Haringey's most communicative conveyancing service
According to a survey by the Law Society, nearly half of the people asked said poor communication was responsible for delays in their home move.
The Law Society's CQS formal client charter is focussed on property solicitors improving conveyancing solicitor communication.
Even though conveyancing the Solicitors Regulation Authority are addressing the problem, a Conveyancing Association-commissioned survey indicated that 43191 of conveyancing transactions do not exchange as the result of delays caused by inadequate communication.
Keeping you updated
Our Haringey conveyancing solicitors aim to provide a dedicated and proactive property legal service using your preferred method of communication, 7 days a week:
- Cheapest Haringey conveyancing solicitor fees
- Open weekends - Saturday (9am-1pm)
- Open Mon to Thurs 9am-8pm & Fri 9am-6pm
- Real-time progress updates by smartphone, tablet and PC
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- Your dedicated conveyancing lawyer's direct line and email address
Updated: October 12, 2018
Haringey conveyancing solicitor fees and costs
No Move, No Fee conveyancing in Haringey
Conveyancing solicitor fees will be paid conveyancing solicitors in Haringey for the legal work for a home sale or purchase.
Are Haringey conveyancing fees and costs fixed?
Our conveyancing solicitors work on a fixed No Move, No Fee basis with no hidden fees, unlike some other conveyancing solicitors in Haringey who will work on a price per hour basis. Your conveyancing quote will explain exactly what you will be charged when your sale or purchase completes.
Are there any other costs?
In addition to conveyancing solicitor fees you will also have to cover any 'disbursements'.
Disbursements are fees that a property lawyer must pay to other companies during the process of buying or selling your home, such as property searches or landlord's notice fees.
How much will the total conveyancing fees in Haringey cost?
Conveyancing solicitor fees in Haringey will be the same as anywhere else in the UK. However, there may be some variation in certain disbursements. As examples, Local Authority Search fees can vary and additional region-specific searches, e.g. a Coal Authority search, may be needed.
For standard conveyancing transactions, the conveyancing fee we quote is the fee you pay. With Quittance, there are absolutely no hidden costs. Work out the conveyancing fees for your move, with our conveyancing calculator: Click here
Conveyancing - Buying a property in Haringey
The London Borough of Haringey in North London includes the districts of Highgate, Muswell Hill and Crouch End, Finsbury Park, Tottenham and Wood Green.
More than 25% of the borough is green space (60 hectares within the borough are designated as part of the Metropolitan Green Belt) with wooded high ground around Highgate and open low-lying land beside the River Lea in the east.
Recent and future regeneration projects are helping Haringey's economy to grow and there has been an increase in good quality housing, making it an attractive place for young families.
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Conveyancing for purchasers
Recent changes to the law mean that a seller should disclose defects or disputes to the buyer.
That said, it remains the responsibility of the conveyancing solicitor in Haringey to investigate the property, so that they can report back in detail to the buyer and the lender, offer practical solutions and ensure the title is transferred to the new owner.
The content below considers the aspects of the legal process for conveyancing solicitors in Haringey requiring specialist legal knowledge.
Your Haringey conveyancing solicitor must be lender-approved
Whether your mortgage is with a less common mortgage lender like the Market Harborough Building Society or a large lender such as the Co-operative Bank, before you select a conveyancing solicitor in Haringey it is very important that you make sure that they can act for your mortgage lender.
Your conveyancer may not be able to carry out the legal work on behalf of your mortgage lender, because some lenders only accept a select panel of law firms that meet strict criteria.
If that is the case, the lender will require a different legal firm to complete the legal work, and you will usually need to pay this alternative solicitor's costs. Handling paperwork and correspondence with this additional party can delay the process.
Quittance Conveyancing can act on behalf of all mortgage lenders.
- Lloyds Bank
- Barclays Bank
- HSBC Bank
- The Royal Bank of Scotland
- Santander Bank
- Nationwide Building Society
- Halifax Bank
- All UK lenders
Property Searches (Haringey Borough Council)
Searches are submitted by Haringey conveyancing solicitors to help spot any significant issues that might possibly reduce how much the property you intend to buy is worth. They include:
- Local Authority search - includes the LLC1 and CON29 which includes whether the property is in a smoke control zone
- Drainage & Water search - confirms who is responsible for the upkeep of the water pipes and drainage that serve the property.
- Environmental search - identifies nearby landfill and contaminated land sites (within 500 metres), and if there has been any historic flooding or mining subsidence.
- Chancel repair liability - there is a risk that some Haringey properties owe a liability to the local parish to pay for church repairs. Insurance can be taken out to protect against this liability.
Additional searches, such as a tin mining search or a mining search, may also be advised in the initial LA and Environmental searches.
Buyers could experience a delay of approximately 9 weeks for Residential property searches provided by The London Borough of Haringey, so it will be worthwhile to use a quicker private search company.
Checking planning status
Office copies will also be ordered from the Land Registry by the conveyancing solicitor acting for the homebuyer, helping to evidence any planning issues. These issues could include the title plan showing only very general boundaries or limits on the development of the property.
London Borough of Haringey Council Tax
London Borough of Haringey calculate your council tax based on a variety of factors e.g. the number of occupants aged over 18 and the value of the home as determined by the VOA in 1991 (or 2003 in Wales). For example, for an average Band E house in Haringey, the amount due would be £1,926 per year.
Conveyancing solicitors in Haringey will inform the purchaser of the home's council tax band once 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 £1,444.
Other discounts and exemptions could also apply, for example a 10% discount for second homes or where the property is uninhabitable.
|Band||London Borough of Haringey Tax (2018)|
Does anyone ever challenge their valuation?To challenge your banding contact:
Valuation Office Agency
305 Chase Rd
In 2016/17, 30 council tax challenges were made, of which 10 were approved and the tax was reduced.
Stamp Duty on Haringey properties
Stamp Duty Land Tax is a tax payable on all UK properties where the purchase price exceeds £125,000 (£145,000 in Scotland).
HM Revenue & Customs complications and objections are avoided using the latest case management software.
The following table illustrates stamp duty examples for properties in Haringey:
|Average sale price (February 2018)||SDLT|
|Average price (detached)||£2,646,250||£231,300.00|
|Average new build||£890,000||£34,500.00|
Stamp duty relief for first-time buyers in Haringey
First-time buyer stamp duty relief is available on property purchases below £300k.
Conveyancing solicitors in Haringey should confirm the right amount is calculated.
Buying a flat? Leasehold conveyancing in Haringey
Buying a leasehold house or flat is not as straightforward as purchasing a freehold home. The many potential traps awaiting an uninformed purchaser include reversionary interests, unpaid service charges by the existing leaseholder and spiralling ground rents.
If you are planning to purchase a property with a lease, a competent conveyancing solicitor in Haringey will consider potential leasehold issues, e.g. :
- understanding regional and era-specific nuances of leases
- service charges for relevant date periods
- reviewing correspondence between the freeholder and leaseholder
- plans to collectively purchase the freehold
Our leasehold conveyancing solicitors will make sure that you are fully-informed regarding your planned purchase.
Buying a 'New Build' property in Haringey?
7 newly-constructed homes have been bought in Haringey in 2018 so far, (sce: HM Land Registry). The average purchase price of new build property in Haringey is £1,054,490.
The legal work for purchasing a new build property can be complicated compared to other types of conveyancing. To prevent difficulties arising a Haringey conveyancing solicitor must be aware of both region-specific considerations and also will consider a range of issues, including helping with mortgage offer extension terms and spotting incomplete agreements for roads and sewers.
Our award-winning new build team are specialists in new build purchases and working to developer exchange timeframes.
Whether you are going to buy a period cottage or a Regency townhouse, if the property is in an officially designated conservation area, your plans to alter the property may not be accepted by London Borough of Haringey.
Called Article 4 directions, these constraints can include restrictions on the use of PVC windows, restrictions on the erection of outbuildings or general restrictions governing the use of unsympathetic materials.
If a property is in breach, the local planning authority could order the owner to pay for the work needed to make the home compliant, even if the previous owner was responsible for the changes.
Hornsey High Street, Crouch End and Rookfield are among the conservation areas in Haringey. Quittance's conveyancing solicitors will address whether the home you plan to buy is located in a conservation area in Haringey.
Conveyancing - Selling a property in Haringey
The legal side of a property sale is much easier than for a property purchase. During the sale of a house or flat, the obligation is on the buyer to satisfy themselves that the property they are purchasing is not legally defective.
Conversely, when selling, conveyancing solicitors in Haringey acting for the current owner just answer any enquiries made by the buyer's solicitor.
What could put your home sale at risk?
Common issues, like Japanese Knotweed, have the capacity to endanger a transaction.
In most cases, you should address any such problems immediately.
- The Essential Conveyancing Guide for Sellers in 2018
- Selling a Green Deal property? What you need to know
- Subsidence? What to do before selling your home
Read more sale conveyancing articles here.
Selling a leasehold property
The conveyancing process for a leasehold flat is a great deal more specialised than for a freehold property.
Leasehold complexity involves additional legal work on the part of conveyancing solicitors in Haringey, such as requesting an up-to-date service charge statement or a copy of the building's asbestos survey (if required).
It is highly recommended that the vendor contacts a leasehold specialist as soon as the decision is made to sell to reduce delays.
What if your conveyancing solicitors are acting for the other side?
SRA rules ban a single conveyancing solicitor from acting on both sides in a house sale and purchase. However, a CLC-regulated conveyancer, can act for both sides.
If you are buying or selling a home in Haringey, and a Quittance conveyancer is acting for the other side, you could instruct a property solicitor firm in Haringey to carry out your legal work.0
Conveyancing - Remortgaging a property in Haringey
People remortgage a home for a number of reasons, such as funding a one-off purchase, or the current mortgage deal coming to an end. The main reason, however, is to save money with a lower rate.
A proactive conveyancing solicitor in Haringey can reduce the remortgage processing time, meaning you move to your lower rate sooner. With the base rate now at 0.5% (May 2018) and the future of interest rates unclear, fast conveyancing can be a crucial factor in securing the rate you want.
To ensure that the mortgage provider's interests are protected, a property lawyer will act for both you and the mortgage lender.
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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