Award-winning No Move, No Fee conveyancing for Hinckley home movers
By Gaynor Haliday , Oct 12, 2018
If you are buying, selling or remortgaging a home and need conveyancing solicitors in Hinckley, Quittance Conveyancing's No Sale, No Fee property lawyers can assist.
Quittance offer 100% fixed conveyancing fees, and because we are committed to proactive communication, you will always stay informed about the legal side of your move.
Our no sale no fee service means should your move not proceed, even if you decide to pull out, you will not have to pay any conveyancing solicitors' legal fees.
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Hinckley's most communicative conveyancing service
According to a poll carried out by the Law Society, 1 in 2 of the home buyers and sellers asked stated that poor communication was responsible for delays in their home move.
The official regulators of Hinckley conveyancing solicitors are concerned with the industry communicating better, and the client charters of the CLC and the Law Society's 'Conveyancing Quality Scheme' make reference to the required standard of communication.
Despite attempts by regulators to address the issue, poor communication remains among the most common complaints made about conveyancing solicitors.
Keeping you updated
Our team of Hinckley conveyancing solicitors offer a first-rate property legal service. We deliver to homemovers an informative and proactive service using email, phone and online, every day of the week:
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Updated: October 12, 2018
Hinckley conveyancing solicitor fees
No Move, No Fee conveyancing in Hinckley
Conveyancing solicitor fees are the amounts you pay conveyancing solicitors in Hinckley for the legal work for a home sale or purchase.
Are Hinckley conveyancing fees and costs fixed?
Quittance's conveyancing solicitors work on fixed legal fees (known as 'No Sale, No Fee' or 'No Move, No Fee') with no hidden costs, unlike some other conveyancing solicitors in Hinckley who carry out the legal work on a cost per hour basis. Your quote sets out what fees you will need to pay when your sale or purchase goes through.
What are disbursements?
You will have to pay any 'disbursements', on top of the conveyancing fees.
Disbursements are the costs incurred by the solicitor on your behalf. These include costs like Stamp Duty Land Tax or managing agent fees.
How much will the total Hinckley solicitor conveyancing fees be?
Hinckley conveyancing solicitor fees will be the same as anywhere else in the UK. However, the costs of certain disbursements can vary. As examples, additional region-specific searches, e.g. utilities searches, may be needed and Local Authority Search fees can vary.
There are no hidden fees or costs to be paid with Quittance. 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
Conveyancing - Buying a property in Hinckley
Caveat emptor, meaning 'let the buyer beware', was a fundamental principle of property law in England and Wales. After the introduction of the Consumer Trading Regulations (CPR), this rule no longer applies. However, it is still the duty of a buyer's solicitor to undertake due diligence on the property to be purchased.
A Hinckley conveyancing solicitor will make recommendations following their enquiries, make practical suggestions and ensure that the change of ownership is registered at the Land Registry.
This part of the article gives advice to assist buyers searching for conveyancing solicitors in Hinckley.
- Conveyancing solicitors in Coalville
- Conveyancing solicitors in Leicester
- Conveyancing solicitors in Loughborough
- Conveyancing solicitors in Wigston
- Conveyancing solicitors in Leicestershire
Your Hinckley conveyancing solicitor must be lender-approved
Irrespective of whether your mortgage is with a niche mortgage lender like Topaz Finance or a large lender such as Allied Irish Bank, before choosing a Hinckley conveyancing solicitor it is essential that you check that they are approved by your chosen lender.
Your conveyancer may be unable to act for your chosen lender, because some mortgage lenders will only accept a selected list (their 'panel') of firms that meet stringent standards.
Under these circumstances, the lender will need a second solicitor firm to complete the legal work, and you will be expected to pay this substitute lawyer's fees. The additional work can mean the process takes much longer.
Our conveyancing solicitors can act for all lenders.
- Lloyds Bank
- Barclays Bank
- HSBC Bank
- The Royal Bank of Scotland
- Santander Bank
- Nationwide Building Society
- Halifax Bank
- All UK lenders
Hinckley & Bosworth District Council searches
Residential property searches will be applied for by Hinckley conveyancing solicitors to unearth any significant issues that might affect how much your home will be worth. They include:
|Local Authority (LA) search||covers the details of planning applications, decisions and the enforcement of breaches or violations.|
|Drainage & Water search||describes water mains and sewers, and confirms if these are privately maintained|
|Environmental search||shows risks within 500 metres of the property, such as toxic chemicals in the land|
|Chancel repair liability||involves the potential liability owed by the owners of certain property to pay for local parish church repairs. Insurance can be arranged to cover this risk.|
Your solicitor will make you aware if your lender requires any further searches, e.g. a Crossrail search or a more detailed plan search.
Purchasers will have to endure a wait of roughly 7 weeks for LA searches supplied by Hinckley & Bosworth District Council, so personal (as opposed to official) searches will be faster.
Your conveyancing solicitor will apply for official entries from HM Land Registry. This will help to identify planning issues, for example outbuildings lying outside the boundary or limits on the development of the property.
Hinckley & Bosworth District Council Council Tax
Hinckley & Bosworth District Council calculate council tax on Hinckley homes based on the number of occupants and the historic value of the property (as valued at 1 April 1991). E.g. the occupier of a Tax Band C house in the Hinckley & Bosworth District Council area would pay annual council tax of £1,499.
Hinckley conveyancing solicitors will inform a purchaser of the property's tax band once 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 (25%) would reduce the tax due to £1,124.
Other discounts and exemptions may also apply, for example a 10% discount for second homes (although this may change as the government has second home ownership in its sights) or where the property is occupied solely by students.
|Band||Hinckley & Bosworth District Council Tax (2018)|
Can I challenge the council tax banding?To challenge your banding contact:
Valuation Office Agency
Manor House Drive
A homeowner can challenge the council tax band after moving in. Between April 2016 and April 2017, 30 council tax challenges were made. 10 were upheld and the tax was reduced.
Stamp Duty on Hinckley properties
Stamp duty is paid to HMRC by completing an SDLT1 form. The form is lengthy and complex.If you are buying a residential property in England, Wales or Northern Ireland then you will usually need to pay Stamp Duty Land Tax.
HMRC objections are avoided using the latest case management software.
This table sets out stamp duty for average property in Hinckley:
|Average sale price (2018 to date)||SDLT|
|Average price (detached)||£322,054||£6,102.70|
|Average new build||£239,995||£2,299.90|
Stamp duty relief for first-time buyers in Hinckley
In November 2017, it was announced that first-time buyers would be exempt from paying stamp duty on properties below £300,000. Higher rates of SDLT apply to buyers of second home in the form of a 3% SDLT surcharge. E.g. if a second home was bought for £217,957 then the SDLT including the surcharge would be £10,897.85. .
Hinckley conveyancing solicitors should confirm the right tax is paid.
Buying a flat? Leasehold conveyancing in Hinckley
Over 100,000 property owners in England are trapped by property leases with unreasonable terms. Numerous legal issues could be awaiting the unsuspecting purchaser, including onerous covenants, unreasonable ground rents and reversionary interests.
A specialist conveyancing solicitor in Hinckley will investigate aspects of the leasehold purchase, such as leaseholder/freeholder disputes, any recent demands for service charges and ground rent and reviewing the lease itself (leases can be 10's or even 100's of years old).
Ensure that you are fully-informed regarding your decision to buy a leasehold property with our leasehold conveyancing solicitor team.
Buying a 'New Build' property in Hinckley?
According to data gathered by the Land Registry, 1 new build homes have been bought in Hinckley in 2018 so far. The average purchase price of new builds in Hinckley is £239,995.
The legal side of buying a new build requires more technical knowledge than 'standard conveyancing'. Therefore a Hinckley conveyancing solicitor must be mindful of Hinckley-specific considerations and will examine a number of areas, like investigating developer incentives and confirming Section 38 agreements.
With our new build team, you will get an expert appraisal of the legal title of the house or apartment, whilst being mindful of considerations like the home's future resaleability and exponential ground rent and service charges (where applicable).
Conservation areas in Leicestershire
When carrying out the conveyancing for a purchase in Hinckley, a conveyancing solicitor will need to check whether the residential property is in one of Hinckley's conservation areas. If it is, the property could be affected by specific constraints. These constraints, referred to as Article 4 Directions, 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)
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 carried out the alterations.
Your conveyancing solicitor will confirm whether the property you are buying is located in one of Hinckley's conservation areas.
Conveyancing - Selling a property in Hinckley
The legal side of a house sale is much easier than when purchasing. The purchaser undertakes a detailed legal assessment on the property, whilst conveyancing solicitors in Hinckley acting for the seller essentially just gathers together any pertinent information and answers the purchaser's enquiries .
What could jeopardise the sale of your home?
A home will frequently have a range of complex issues (such as not being connected to the main sewers or where the property differs from the title plan) which may endanger the conveyancing process.
Property experts generally advise that vendors face such issues head on and fix them.
- No electrical completion certificate? What to do before selling your home
- The Essential Conveyancing Guide for Sellers in 2018
- What to do if selling a home without planning permission
Read more conveyancing advice for sellers.
The legal work for a leasehold flat (leasehold houses are rare) is significantly more protracted compared to a freehold house.
The complex nature of leasehold property means that conveyancing solicitors in Hinckley will usually undertake additional work, which could include sourcing an up-to-date service charge statement, through to any details of any ongoing enfranchisement process.
To reduce leasehold-related delays, it is recommended that the seller instruct a conveyancer as early as possible.
Can Quittance conveyancers act for both parties?
SRA regulations prevent the same solicitor from acting on both sides in a property sale and purchase. CLC-regulated conveyancers, however, can act for both parties.
You could instruct a property solicitor firm in Hinckley to carry out your legal work, if a Quittance conveyancer is doing the legal work for the other side.
Local Hinckley conveyancing solicitor directory
- G S Solicitors Limited, 23 Station Road, Hinckley, Leicestershire, LE10 1AW
- Geoffrey Hill & Co, 11 Station Road, Hinckley, Leicestershire, LE10 1AW
- Headleys, 15 Station Road, Hinckley, Leicestershire, LE10 1AW
- LDJ Solicitors LLP, Elizabeth House, St Marys Road, Hinckley, Leicestershire, LE10 1EQ
- Thomas Flavell & Sons Limited, Church Walk, Hinckley, Leicestershire, LE10 1DN
Conveyancing - Remortgaging a property in Hinckley
Saving money on a lower interest rate is primarily why people opt to remortgage. There are other reasons, including moving from a standard variable rate (SVR) to a fixed-rate, or releasing funds to help pay for home improvements.
You will typically be able to benefit from a lower rate sooner by using a more proactive conveyancing solicitor in Hinckley. With the base rate set at 0.5% (May 2018), fast conveyancing can be a critical factor in getting onto your new rate as quickly as possible.
It is vitally important that the property lawyer carrying out the remortgage can act on behalf of your preferred lender. Our conveyancing team are on all major UK lenders' panels, so whether you are moving to a 95% mortgage with the Halifax or to a discounted-rate mortgage with the Hinckley and Rugby Building Society, we can assist.
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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