Award-winning No Move, No Fee conveyancing for Havant home movers
By Gaynor Haliday, Legal researcher
Updated: October 12, 2018
We offer 100% fixed conveyancing fees, and our focus on enhanced communication means you will never be in the dark about how your sale or purchase is progressing.
Every year Quittance's expert property lawyers deliver a proactive no sale, no fee service to residential property buyers and sellers looking for conveyancing solicitors in Havant.
Our no move no fee service means should your move not proceed, even if you decide to pull out, you won't incur any conveyancing solicitors' legal fees.
Havant's most communicative conveyancing service
Infrequent solicitor communication is one of the most stressful aspects of the home moving process.
The Conveyancing Quality Scheme (CQS) formal client charter prioritises conveyancing solicitors communicating better.
Despite this, according to a survey carried out by OnePoll of 1,500 people, 46% of consumers felt that their sale or purchase would have completed sooner with more efficient communication.
Our Havant conveyancing solicitors offer the most communicative and client-friendly conveyancing service in the UK. We provide you with the information you need by phone, email and via online case management, every day of the week:
- Cheapest Havant conveyancing solicitors fees
- Your dedicated lawyer's direct line
- Access to your online conveyancing file
- Regular updates via SMS, phone and email
- Open Mon to Thurs 9am-8pm & Fri 9am-6pm
- Open weekends - Saturday (9am-1pm)
Updated: October 12, 2018
Havant conveyancing solicitor fees
No Move, No Fee conveyancing in Havant
Conveyancing solicitor fees are what you pay conveyancing solicitors in Havant for handling the legal work for your move.
Do Havant conveyancing solicitors work on a fixed fee basis?
Some conveyancing solicitors in Havant will work on a cost per hour basis, and other firms will work for a fixed fee ('No Move, No Fee'). Quittance's conveyancing solicitors work on a fixed No Sale, No Fee conveyancing basis, with no nasty surprises in the small print. Your quote will set out what you will be charged when your property transaction has completed.
Are there any other costs in addition to conveyancing fees?
You will have to pay any 'disbursements', in addition to the solicitor's conveyancing fees.
Disbursements are fees, costs or taxes the conveyancing solicitor will have to pay to other organisations as part of the house-buying and selling process, such as property searches or indemnity insurance.
How much will conveyancing in Havant cost in total?
While conveyancing fees in Havant will usually match prices elsewhere in the UK, there can be variation in the disbursements required. For example, specific extra searches, e.g. transport searches, may be necessary and Local Authority (LA) Search fees will vary.
With Quittance, there are no hidden fees or surprises in the small print. For a standard home 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 Havant
There is now an obligation on a seller to disclose any property defects or disputes.
It remains, however, the duty of the conveyancing solicitor in Havant to investigate the property, and report back to the buyer and the lender, offer practical solutions and ensure that the change of ownership is registered at the Land Registry.
This part of the article examines the types of residential property that may be of concern to people searching for conveyancing solicitors in Havant for a purchase.
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- Conveyancing solicitors in Eastleigh
- Conveyancing solicitors in Portsmouth
- Conveyancing solicitors in Southampton
- Conveyancing solicitors in Hampshire
Your Havant conveyancing solicitor must be lender-approved
There are a wide range of mortgage providers, from a large lender such as Barclays Bank, to a niche lender like the Manchester Building Society. Before selecting a Havant conveyancing solicitor, it is very important that you make sure that they are on the approved panel of your mortgage lender.
Your lawyer may be unable to act for your mortgage lender, because some mortgage lenders are only happy to work with a select group (often referred to as a 'panel') of law firms that meet strict criteria.
Under these circumstances, the lender will require a second law firm to complete the legal work, and you will usually need to pay this substitute solicitor's costs. Handling paperwork and correspondence with this additional party can delay the process.
Our solicitors can carry out the legal work for all major and minor mortgage lenders.
- Lloyds Bank
- Barclays Bank
- HSBC Bank
- The Royal Bank of Scotland
- Santander Bank
- Nationwide Building Society
- Halifax Bank
- All UK lenders
Residential Property Searches (Havant District Council)
Property searches are questions submitted to public bodies by Havant conveyancing solicitors to identify issues affecting your planned purchase.
Mortgage lenders also need conveyancing search packs to be obtained. Required searches will include:
- Local Authority (LA) search - contains information about the property and surrounding area held by Havant District Council
- Environmental search - shows whether the surrounding environment is suitable for the purchaser
- Drainage & Water search - confirms who is responsible for the upkeep of the water pipes and drainage that serve the property.
- Chancel repair liability - some Havant property may still owe a liability to the local parish for repairs. Insurance can be taken out to protect against this risk.
You will be told if your lender insists on any additional searches, such as a radon gas search or a Forestry Commission search.
Purchasers can expect to wait up to 9 weeks for LA searches obtained from Havant District Council. In these circumstances, faster personal searches will be recommended.
Checking planning permission status
The conveyancing solicitor acting for the buyer will obtain official entries from HMLR. This will help to reveal any potential issues. These issues could include the title plan showing only very general boundaries or restrictions that limit alterations.
Havant District Council Council Tax
Council tax is calculated by Havant District Council on property value and the number of people living in the property. For example, for an average Band E residential property in Havant, the amount of council tax would be £2,008 per year.
Conveyancing solicitors in Havant will inform the purchaser of the property's tax band as soon as they are notified.
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 £1,506.
Other discounts and exemptions could also apply, for example unoccupied properties undergoing major repairs or where the property is occupied solely by students.
|Band||Havant District Council Tax (2018)|
Is it possible to appeal?To appeal contact:
Valuation Office Agency
Isle of Wight
From April 2016 to March 2017, 30 council tax challenges were made, of which 10 were upheld and the tax was reduced.
Stamp Duty on Havant properties
SDLT will need to be paid by the buyer on properties sold for more than £125k in England and Wales. Obtaining and completing the SDLT1 return from HMRC is difficult but not impossible for a typical buyer. Usually, however, the form is completed by the conveyancing solicitor to avoid penalties or delays.
Quittance ensure that the hard to understand SDLT1 form is completed accurately and without delay.
See Stamp Duty Land Tax examples for properties in Havant:
|Average selling price (2018 to date)||Stamp Duty|
|Average price (detached)||£407,852||£10,392.60|
|Average new build||£301,034||£5,051.70|
Stamp duty relief for first-time buyers in Havant
Since the budget announcement in November 2017, if you are a first-time buyer, you only pay stamp duty on property valued at over £300k with relief up to £500,000 in some areas.
Havant conveyancing solicitors should ensure the right tax is paid.
Buying a flat? Leasehold conveyancing in Havant
Purchasing a leasehold property without knowing what you are getting into is risky. The many potential problems awaiting the unsuspecting buyer can include unpaid service charges by the existing leaseholder, increasing ground rents and unfair clauses in the lease.
A competent conveyancing solicitor in Havant will investigate aspects of the leasehold purchase, e.g. :
- reviewing the lease itself (some documents can be centuries old)
- dealing with landlords
- annual statements of account and budgets for service charges
- flats with varying lease terms
Our leasehold conveyancing solicitor team will ensure that you are fully-informed regarding your planned purchase.
Buying a 'New Build' property in Havant?
Based on local data sourced by the HM Land Registry, the average price for a new build home in Havant is £301,034. 12 new build homes have been bought in Havant in 2018 so far.
A new-build conveyancing solicitor in Havant will need to be aware of Havant-specific factors and new build's additional complexities, e.g. helping with mortgage offer extension terms and ensuring compliance with planning regulations.
Our expert new build team provide an impartial appraisal of the legal status of the property, scrutinising contract concerns like the home's future mortgageability and an assessment of other risks, such as regional infrastructure development.
Hampshire Conservation areas
Whether you are going to buy a period cottage or a period townhouse, if the property is in a conservation area, your plans to alter the property might not be accepted by Havant District Council.
These constraints could include:
- Restrictions on door and window styles
- Restrictions preventing paving over the front garden
- A prohibition on extensions (even if within Permitted Development rights)
If a property is in breach, the local authority can require the new owner to revert the property to its earlier condition, even where the alterations were made by the previous owner.
Havant conservation areas include Coastguards, Mill Lane and St John's. Quittance's conveyancing solicitors will address whether the home you plan to buy is located in a conservation area in Havant.
Conveyancing - Selling a property in Havant
Conveyancing for a sale of a home is much simpler than when purchasing. During the sale of a house or flat, the obligation lies with the purchaser to confirm that the title of the property they are buying is not legally defective.
On the other hand, when selling, conveyancing solicitors in Havant acting for the vendor effectively just answer questions set by the buyer's conveyancing solicitor.
Factors that could delay or endanger the sale process
Common hurdles, such as being a listed building with non-compliant alterations, can seriously frustrate a sale if ignored.
It is better not to hide from the issue as it is the buyer's solicitor's job to spot problems. Instead, get legal advice and deal with it as soon as you can.
- The Essential Conveyancing Guide for Sellers in 2018
- Dispute with a neighbour? What to do before selling your home
- Selling a leasehold flat? What to do before going on the market
For more conveyancing advice for sellers click here.
Selling a leasehold property
Conveyancing for a leasehold flat (leasehold houses are rare) is quite a lot more protracted than for a freehold property.
Havant conveyancing solicitors must usually carry out further legal work, which could include sourcing detailed managing agent information, through to looking into potential forfeiture proceedings.
To accelerate the handling of the leasehold work, it is highly recommended that the seller instructs a leasehold expert as early in the process as possible, and preferably before marketing the property,.
Can Quittance conveyancers act for the buyer and the seller in a single transaction?
CLC-regulated conveyancers can act for both sides. However, SRA rules ban the same conveyancing solicitor from working on behalf of both sides in a property sale.
You may wish to contact a law firm in Havant to undertake your legal work, if one of our conveyancing solicitors is acting for the other side.
Local Havant conveyancing solicitor directory
- Churchers Solicitors, Langstone Gate, Solent Road, Havant, Hampshire, PO9 1TR
- Hughes Way, 10 South Street, Havant, Hampshire, PO9 1DA
Conveyancing - Remortgaging a property in Havant
Saving money on a better rate is generally why people decide to remortgage. There are other reasons, including releasing equity, or moving to an offset mortgage.
A good conveyancing solicitor in Havant will complete the conveyancing quickly, and move you to the better rate sooner. With rate rises hard to predict, fast conveyancing can be a crucial factor in securing the rate you want.
The property lawyer conducting the legal work must also be able to act on behalf of your new mortgage lender. Quittance Conveyancing are on the panel for all major UK lenders. So no matter whether you are switching to a flexible mortgage with the Halifax or to a discounted-rate mortgage with the Bank of Ireland, we 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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