Award-winning No Move, No Fee conveyancing for Hungerford home movers
By Gaynor Haliday, Legal researcher
Updated: October 12, 2018
Quittance offer guaranteed fixed conveyancing fees, and you will never be uncertain about the progress of your move, thanks to our focus on proactive communication.
If you are buying or selling a property and need conveyancing solicitors in Hungerford, our specialist No Sale, No Fee property lawyers can assist.
Our no sale no fee service means that if your move does not go ahead, you won't incur any conveyancing solicitors' legal fees at all.
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Hungerford's most communicative conveyancing service
Nearly one in two of the participants in an InfoTrack poll published in Legal Futures did not get enough communication from their solicitor firm.
Proactive conveyancing solicitor communication is so important that the CLC Client Charter is focussed on resolving the problem.
Despite this, according to a Conveyancing Association survey, 23% of conveyancing transactions never exchange as the result of delays caused by inadequate communication.
Keeping you updated
Quittance Conveyancing's team of Hungerford conveyancing solicitors aim to deliver to you a dedicated and proactive property legal service by phone, email and via online case management, every day of the week:
- Cheapest Hungerford conveyancing solicitor fees
- Personal extension numbers for your conveyancer
- Open Mon to Thurs 9am-8pm & Fri 9am-6pm
- Open Saturdays
- Stay in touch with the progress of your case via your chosen method (including SMS, phone and email)
- Handy, mobile-friendly online case tracking system
Updated: October 12, 2018
Hungerford conveyancing solicitor fees and costs
No Move, No Fee conveyancing in Hungerford
Conveyancing solicitor fees are the amounts you pay your Hungerford conveyancing solicitor for the legal work for a home sale or purchase.
How are Hungerford conveyancing fees calculated?
Some conveyancing solicitors in Hungerford carry out the legal work on an hourly rate. Our solicitors work on a fixed No Sale, No Fee basis, with no unexpected, additional costs. Your conveyancing quote sets out all fees and other costs you will be charged when your sale or purchase completes.
Are there any other costs?
On top of the conveyancing fees you will also have to cover any 'disbursements'.
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 ID checks.
How much will the total conveyancing fees in Hungerford cost?
Though conveyancing fees in Hungerford will usually match prices elsewhere in the UK, the disbursements required can vary. As examples, specific extra searches, e.g. a mining search, may be necessary and Local Authority Search fees can vary.
With Quittance, there are absolutely no hidden costs. For a standard sale or purchase, the conveyancing fee we quote is the fee you pay. To calculate your conveyancing fees, try our conveyancing fees quote calculator: Click here
Conveyancing - Buying a property in Hungerford
Under recent changes to English and Welsh property law, a seller must reveal any issues concerning their property to their estate agent and to the purchaser.
That said, it remains the responsibility of a Hungerford conveyancing solicitor to investigate the property, so that they can make their "report on title", solve outstanding issues and register the title in the new owner's name.
This article examines those types of property that carry additional risk for homebuyers searching for conveyancing solicitors in Hungerford.
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- Conveyancing solicitors in Wantage
- Conveyancing solicitors in Berkshire
Your Hungerford conveyancing solicitor must be lender-approved
Before instructing a Hungerford conveyancing solicitor, it is paramount that you confirm that they can act for your mortgage lender, whether you are getting a mortgage from TSB, the Leeds Building Society or any other lender.
Your conveyancer may be unable to act for your mortgage lender, because some lenders only accept a select group (often referred to as a 'panel') of firms.
Under these circumstances, the lender will likely need a different solicitor firm to complete the legal work, and you will usually need to pay this alternate solicitor's costs. This can push back the completion date of the purchase.
Quittance Conveyancing can act on behalf of all banks and other lenders.
- Lloyds Bank
- Barclays Bank
- HSBC Bank
- The Royal Bank of Scotland
- Santander Bank
- Nationwide Building Society
- Halifax Bank
- All UK lenders
West Berkshire Council Council Tax
As a homeowner in Hungerford, the applicable rate of council tax will vary depending on the value of the home (as assessed in 1991) and the number of people living in it. E.g. a property in the West Berkshire Council area in Tax Band C would pay £1,576 per annum.
Hungerford conveyancing solicitors will inform a purchaser of the home's council tax 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 reduces the tax due to 75% which would equal £1,182.
Other discounts and exemptions could also apply, for example a 10% discount for second homes or if you are a live in carer looking after someone who isn't a spouse or relative.
|Band||West Berkshire Council Tax (2018)|
Can I lower my band?To challenge your banding contact:
Valuation Office Agency
20-30 Kings Rd
In the 2016/17 financial year, 30 council tax challenges were made, of which 10 were upheld and refunds awarded.
Stamp Duty on Hungerford properties
Stamp duty will almost always need to be paid if the property being purchased is valued at over £125k. Filling in the SDLT1 form yourself is a daunting prospect and not for the inexperienced.
With Quittance you have the peace of mind that the SDLT1 return is completed correctly and quickly when your purchase completes.
See examples for typical local properties:
|Average selling price (2017)||SDLT|
|Average price (detached)||£577,171||£18,858.55|
|Average new build||£566,606||£18,330.30|
Stamp duty relief for first-time buyers in Hungerford
Since Nov 2017, first-time buyers only need to pay stamp duty on properties valued over £300,000. If you already own another residence you will be subject to a higher SDLT rate of 3%. E.g. if a second property was bought for £401,115 then the stamp duty including the surcharge would be £32,089.20. .
Conveyancing solicitors in Hungerford will confirm the correct amount is calculated.
Buying a flat? Leasehold conveyancing in Hungerford
It can be costly to buy a leasehold house or flat if you are unaware of the facts. The many potential complications awaiting an uninformed purchaser can include doubling ground rents, short leases and unreasonable managing agent fees.
A competent conveyancing solicitor in Hungerford will consider potential leasehold issues, including :
- reviewing the lease itself (some documents can be centuries old)
- dealing with freeholders and managing agents
- service charges for relevant date periods
- freeholder granted consents under the lease
- sinking funds
Quittance Conveyancing's team of leasehold conveyancing solicitors will make sure that you are aware of all the potential issues and costs associated with the lease.
Buying a 'New Build' property in Hungerford?
According to data sourced by the HM Land Registry, the average cost of new build property in Hungerford is £566,606. 4 new build homes were purchased in Hungerford last year.
A new-build conveyancing solicitor in Hungerford must be aware of both local Hungerford factors as well as new build's added complexities, such as liaising with the builder's onsite sales team and ensuring that the contract is in the buyer's favour.
Our award-winning new build team are experts in ensuring that new build contracts favour the client as much as possible and working to tight developer deadlines.
Conservation areas in Berkshire
Moving into a conservation area can ensure that the local neighbourhood is protected from drastic alterations. However, conservation area constraints will affect your house.
These conditions, referred to as Article 4 Directions, could include a wide range of constraints from restrictions preventing the addition of frontal sloping rooflights, to restrictions on the use of cladding.
The local council can order any non-compliant alterations to a property to be changed or removed, such as replacing uPVC windows with traditional wooden frames.
Quittance's conveyancing solicitors will address whether the home you plan to buy is located in a conservation area in Hungerford.
Conveyancing - Selling a property in Hungerford
The legal side of a property sale is less difficult than for a purchase. The buyer's conveyancing solicitor undertakes extensive research into the property and its legal title, whereas conveyancing solicitors in Hungerford acting for the vendor essentially just responds to enquiries made by the buyer's solicitor.
What could jeopardise the conveyancing process?
A house or flat will frequently have many potential roadblocks (e.g. having previously suffered from a flood event) that have the capacity to prevent a sale from completing.
It is best not to procrastinate as it is the buyer's solicitor's job to spot problems - talk to a professional and tackle it as quickly as possible.
- The Essential Conveyancing Guide for Sellers in 2018
- Subsidence? What to do before selling your home
- Dispute with a freeholder? What to do before selling your home
Read more helpful advice for sellers here.
Leasehold conveyancing for a sale
The legal work for a leasehold flat (leasehold houses are rare) is quite a lot more involved than for a freehold property.
Hungerford conveyancing solicitors will also need to carry out additional work, such as getting an up-to-date service charge statement, through to details of any breach of the terms of the lease.
So as to resolve any leasehold-related difficulties sooner, it is recommended that the seller instruct a property lawyer as soon as the decision is made to sell.
What if you are acting for the other side?
A CLC-regulated conveyancer can act for both sides. However, SRA regulations restrict the same conveyancing solicitor from working on behalf of both sides in a property sale.
If you are buying or selling a house or flat in Hungerford, and a Quittance conveyancer is acting for the other side, you could instruct a property solicitor firm in Hungerford to carry out your legal work.0
Conveyancing - Remortgaging a property in Hungerford
Although there are many reasons to remortgage, people will generally remortgage simply to get a better rate.
Homeowners can benefit from a better rate sooner with a more efficient conveyancing solicitor in Hungerford, working to reduce the processing time of the legal work. With the base rate set at 0.5% (May 2018), fast conveyancing can be a critical factor in securing your preferred rate.
The property lawyer carrying out your remortgage must also be able to act on behalf of your chosen mortgage provider. Our conveyancing team are on all major lenders' panels. So no matter whether you are changing to a fixed-rate mortgage with the HSBC or to a fixed-rate mortgage with the Skipton Building Society, Quittance 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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