Updated: October 12, 2018

Hornchurch conveyancing solicitor fees

No Move, No Fee conveyancing in Hornchurch

Conveyancing solicitor fees are what you pay to conveyancing solicitors in Hornchurch for the legal work for a home sale or purchase.

Do Hornchurch conveyancing solicitors work on a fixed fee basis?

Some conveyancing solicitors in Hornchurch will work on an hourly-rate basis, and others on a fixed fee (or 'No Move, No Fee') basis. Our conveyancers work on a fixed No Sale, No Fee conveyancing basis, with no hidden extras. Your quote will set out what you will pay when your sale or purchase completes.

Are there any other costs?

You must cover the cost of any 'disbursements', in addition to the legal fees.

Disbursements are the third-party costs that your conveyancer will pass on to you at the end of the conveyancing process, such as Land Registry fees or telegraphic transfer fees.

See: Complete list of conveyancing fees and disbursements

How much will conveyancing in Hornchurch cost in total?

Hornchurch conveyancing solicitor fees will be the same as anywhere else in the UK. However, the costs of certain disbursements can vary. For example, Local Authority Search fees can vary and additional region-specific searches, e.g. utilities searches, may be needed.

With Quittance, there are no hidden costs or nasty surprises. For standard conveyancing transactions, what we quote is the fee you pay. To calculate your conveyancing fees, try our conveyancing fees quote calculator: Click here

Quittance's conveyancing fees were considerably cheaper than the average solicitors' fees

Conveyancing - Buying a property in Hornchurch

There is now an obligation on a seller to disclose any property defects or disputes to the buyer and the estate agent.

It remains, however, the duty of a conveyancing solicitor in Hornchurch to investigate the property, and report back to the buyer and the lender, solve outstanding issues and register the new owner's title at the Land Registry.

The content below provides useful information for people looking for conveyancing solicitors in Hornchurch for a purchase.

Your Hornchurch conveyancing solicitor must be lender-approved

Regardless of whether you are taking out a mortgage from Coutts Finance, TSB or any other lender, before you choose a conveyancing solicitor in Hornchurch it is very important that you make sure that they are on the approved solicitor panel of your mortgage lender.

Your lawyer may be unable to act for your mortgage lender, because some banks and building societies only accept a select group (often referred to as a 'panel') of legal practices.

Under these circumstances, the lender will need a second law firm to act in their interests, and you will then have to cover this substitute lawyer's fees. The additional work can mean the process takes much longer.

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

Our conveyancing solicitors are on the panel of all lenders.

Residential Property Searches (Havering Borough Council)

Searches are questions submitted to public bodies by Hornchurch conveyancing solicitors to help uncover relevant information about your new home.

Lenders will also require property searches (sometimes referred to as 'conveyancing searches') to be submitted. Required searches will include:

  • Local Authority (LA) search - reveals issues like whether the adjoining road and pavement are publicly maintained
  • Environmental search - covers environmental issues within 500m of the property, including flooding, mining subsidence and the proximity of landfill and contaminated land sites.
  • Drainage & Water search - identifies water mains and sewers. This search also addresses whether the maintenance for these is the owner's responsibility.
  • Chancel repair liability - there is a risk that some Hornchurch properties owe a liability to the local parish to pay for church repairs. Insurance can be taken out to protect against this liability.

You will be made aware if your chosen lender wants any further searches, such as a radon gas search or a geological search.

The typical delivery time for property searches delivered by The London Borough of Havering is 7 weeks, so your conveyancer will recommend using a faster search agent.

Planning searches

The buyer's conveyancing solicitor also retrieves an 'Official Copy of the Title Register' from HM Land Registry, assisting with the identification of any potential issues, such as a difference between the agent's floorplan and the title plan or the breach of a restrictive covenant.

London Borough of Havering Council Tax

London Borough of Havering calculate council tax on Hornchurch homes based on the number of occupants and the historic value of the property (as valued at 1 April 1991). For instance for an average Band D property in Hornchurch, the council tax due would be £1,658.

Conveyancing solicitors in Hornchurch will inform the purchaser of the property's band once they have the Local Authority search results.

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 £1,244.

Other discounts and exemptions could 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 for spouses of students who are not British. The Valuation Office Agency work out council tax bandings for new build properties, and where the owner has requested a revaluation.

Band London Borough of Havering Tax (2018)
A £1,105
B £1,290
C £1,474
D £1,658
E £2,027
F £2,395
G £2,763
H £3,316

Can I challenge the council tax banding?

To challenge your banding contact:

Valuation Office Agency
10th Floor
Crown House
Linton Rd
Barking
IG11 8HJ
Essex

A homeowner can challenge the council tax band after moving in. Between April 2016 and April 2017, 50 council tax challenges were made. 10 saw a subsequent reduction.

Stamp Duty on Hornchurch properties

Completing the SDLT1 form in order to pay Stamp Duty Land Tax is a daunting prospect for a layperson.

If the purchase price of your new home is over the £125k threshold (excluding 'chattels' or 'fixtures and fittings'), the stamp duty becomes chargeable.

With Quittance Conveyancing you have the peace of mind that the SDLT1 return is completed correctly and quickly when your purchase completes.

See table below for Stamp Duty Land Tax examples for properties in Hornchurch:

  Average selling price (2017) Stamp Duty
Average price £442,468 £12,123.40
Average price (detached) £731,358 £26,567.90
Average new build £132,292 £145.84
Since 1st April 2016, buyers of second homes are subject to a surcharge of 3%, even if the property is not rented out. So if a second property was bought for £442,468 then the SDLT total will be £35,397.44.

Stamp duty relief for first-time buyers in Hornchurch

Since 11/17, if you are a first-time buyer, you only pay stamp duty on property valued at over £300k.

Hornchurch conveyancing solicitors will confirm the correct calculation is made.

Buying a flat? Leasehold conveyancing in Hornchurch

New build site

It can be risky to purchase a leasehold house or flat if you are unaware of the implications. The many potential traps lying in wait for an uninformed buyer could include:

  • unreasonable ground rents
  • sinking fund issues
  • short leases
Bad or incomplete leasehold advice, from an inexperienced lawyer, can have serious consequences.

A specialist conveyancing solicitor in Hornchurch will consider possible leasehold issues, such as absent freeholders, reviewing the lease itself (some leases are over 100 years old) and share of freehold complexity.

Ensure that you are fully-informed regarding your planned purchase - You can call our specialist leasehold conveyancing solicitors today on 0800 612 0377.

Buying a 'New Build' property in Hornchurch?

New build site

The average purchase price of Hornchurch new builds is £132,292, according to HM Land Registry. 33 brand new properties were purchased in Hornchurch last year.

Buying a new build can be more complex than any other type of conveyancing. Therefore a conveyancing solicitor in Hornchurch must be conscious of Hornchurch-specific considerations and must check a range of issues, e.g. ensuring that new build mortgage conditions are met and checking planning conditions have been fulfilled.

Our award-winning new build conveyancing team are experts in new build purchases and meeting short developer deadlines.

Conservation areas in London

Whether you are purchasing a period country house or a Georgian town house, if the home is in a protected conservation area, your plans to alter the home might not be permitted by London Borough of Havering.

Referred to as Article 4 directions, these restrictions can include:

  • Limits on roof terraces
  • Restrictions on dormer windows
  • Requiring consent to alter doors and guttering

The local authority can order any non-compliant alterations to a property to be changed or removed, such as removing a flue.

Your conveyancing solicitor will address whether your planned purchase is located one of Hornchurch's conservation areas.

Conveyancing - Selling a property in Hornchurch

The legal side of a sale of a home is less complicated than when purchasing. The buyer's conveyancing solicitor carries out a detailed legal assessment on the legal title of your home. Conveyancing solicitors in Hornchurch acting for the seller just collates information and answers the purchaser's enquiries .

What could jeopardise your property sale?

Common obstacles, like restrictions on how you can use the property, might protract your home move if ignored.

It is best not to procrastinate and hope any such problems will go away - a better course of action will be to seek out professional help and work to resolve it at the earliest stage.

Further reading:

Read more conveyancing advice for sellers.

Selling a leasehold property

The legal work for a leasehold flat (leasehold houses are rare) is significantly more complicated than for a freehold property.

Hornchurch conveyancing solicitors must usually carry out further legal work, and this could include getting detailed managing agent information, through to a copy of the service charge budget for the current year.

In order to resolve any leasehold problems faster, it is highly recommended that the vendor contact a property lawyer as early in the process as possible, and ideally before going on the market,.

What if your conveyancing solicitors are acting for the other side?

SRA regulations prevent the same solicitor from working on behalf of both sides in a property sale and purchase. A conveyancer who is regulated by the CLC, however, can act for both sides.

If you are buying or selling a property in Hornchurch, and one of our conveyancing solicitors is acting for the other side, you could instruct a property solicitor firm in Hornchurch to carry out your legal work.

Local Hornchurch conveyancing solicitor directory

  • Sackvilles, 135 High Street, Hornchurch, Essex, RM11 3YJ
  • Moss & Coleman LLP, 170-180 High Street, Hornchurch, Essex, RM12 6JP
  • Pinney Talfourd LLP, Crown House, 40 North Street, Hornchurch, Essex, RM11 1EW

Conveyancing - Remortgaging a property in Hornchurch

The most common reason people remortgage is to lower their monthly repayments. Other reasons to switch lenders or mortgage deals include switching from interest-only to repayment, or releasing capital to pay off other debts.

Homeowners can benefit from a better rate sooner with a more efficient conveyancing solicitor in Hornchurch. They will work to shorten the processing time of the legal work. With the base rate now at 0.5% (May 2018) and the future of interest rates unclear, fast conveyancing can be a contributing factor to getting onto your new rate as quickly as possible.

The property lawyer will act for both you and the mortgage provider, in order to confirm that the new interest in the property is registered correctly and the parties' interests are protected.

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 Hornchurch 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 Hornchurch 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!