Award-winning No Move, No Fee conveyancing for Islington home movers
By Gaynor Haliday, Legal researcher
Updated: October 12, 2018
We offer 100% fixed conveyancing fees, and you will never be uninformed about the legal side of your move, thanks to our commitment to better communication between all parties.
Every year our award-winning no sale - no fee property lawyers help property buyers and sellers looking for conveyancing solicitors in Islington and across London.
If, for whatever reason, your sale or purchase does not complete our no move no fee promise means you won't incur any conveyancing solicitors' legal fees.
Islington's most communicative conveyancing service
Infrequent law firm communication can be one of the more stressful aspects of moving home.
Proactive conveyancing solicitor communication is of such importance that the CLC (Council for Licensed Conveyancers) Client Charter is aimed at resolving the problem.
Even though conveyancing regulators (including the SRA and CLC) are addressing the problem, poor communication remains among the most common complaints levelled at property solicitors.
Our Islington conveyancing solicitors provide an award-winning conveyancing service. We provide homemovers with a dedicated and proactive service by phone, email and via online case management, 7 days a week:
- Best Islington conveyancing solicitor fees
- Open Mon to Thurs 9am-8pm & Fri 9am-6pm
- Open weekends - Saturday (9am-1pm)
- Your dedicated conveyancer's direct line
- View your complete case online
- Regular updates via your chosen method (including SMS, phone and email)
Updated: October 12, 2018
Islington conveyancing solicitor fees
No Move, No Fee conveyancing in Islington
Conveyancing solicitor fees will be paid to conveyancing solicitors in Islington for handling the legal work for your move.
Do Islington conveyancing solicitors work on a fixed fee basis?
Some conveyancing solicitors in Islington work on an hourly rate, whereas others work on a fixed fee (or 'No Move, No Fee'). Our conveyancing solicitors work on a No Sale, No Fee basis, with no nasty surprises in the small print. Your conveyancing quote sets out all fees and other costs you will be charged when your property transaction has completed.
Are there any other costs?
In addition to the legal fees you will also need to budget for 'disbursements'.
Disbursements are the costs and expenses a solicitor needs to pay out on behalf of a client, such as leasehold information packs or Stamp Duty Land Tax (SDLT).
How much will the total conveyancing fees in Islington cost?
Conveyancing solicitor fees in Islington should be the same as anywhere else in the UK. However, the costs of certain disbursements can vary. For example, additional region-specific searches, such as a mining search, may be needed and council search fees will vary.
There are no hidden fees or nasty surprises with Quittance Conveyancing. For a standard conveyancing transaction, the conveyancing fee we quote is the fee you pay. To calculate the conveyancing fees for your move, try our conveyancing fees quote calculator: Click here
Conveyancing - Buying a property in Islington
The north London borough of Islington stretches from the City of London to the boundary of Haringey. It includes the districts of Angel, Archway, Clerkenwell, Highbury, Holloway and Old Street.
In recent years its economy has been boosted by the rise tech businesses and start up hubs. With an eclectic range of property, thriving local scene and excellent transport links to London Islington is a popular place to live. It is one of the most expensive 10 boroughs in London, with average house prices more than 3 times the national average.
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Conveyancing for purchasers
When carrying out the conveyancing for the purchase of a house or flat, a conveyancing solicitor in Islington will carry out due diligence on the tenure and investigate the title of the property and report back to the buyer and the lender.
Once their enquiries are complete the conveyancer will offer professional advice and will assist in resolving any issues and confirm that the Land Registry's record of the property is updated.
This section of the article discusses those areas of the buying process for conveyancing solicitors in Islington where a deeper understanding of the legal technicalities is helpful.
Your Islington conveyancing solicitor must be lender-approved
Regardless of whether your mortgage is with a major lender like Birmingham Midshires or a less common mortgage lender such as the Market Harborough Building Society, before appointing a conveyancing solicitor in Islington it is paramount that you confirm that they are approved by your chosen lender.
Your solicitor may not be able to carry out the legal work on behalf of your chosen lender, because some mortgage lenders only accept a selected list (known as a 'lender panel') of law firms that pass strict selection criteria.
If this is the case, the lender will require a different legal firm to act in their interests, and you will then have to cover this second solicitor's costs. This can frustrate or delay the process.
Quittance Conveyancing are approved to act for 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 (Islington Borough Council)
Residential property searches are questions submitted to public bodies by Islington conveyancing solicitors to identify issues affecting the property being purchased.
Searches are firstly carried out to satisfy lender requirements, and include the local authority (LA) search, environmental search, drainage & water search and chancel repair liability.
Your lawyer will tell you if your lender requires any additional searches, e.g. a highways authority search or an energy search.
Homebuyers should expect to wait roughly 20 weeks for searches supplied by The London Borough of Islington. Your conveyancer will recommend using a faster search agent.
Checking planning permission status
The buyer's conveyancing solicitor will get office copies from the Land Registry, helping to evidence any potential issues. Examples of these include discrepancies between the property boundaries and the title plan or a restrictive covenant against certain alterations.
London Borough of Islington Council Tax
London Borough of Islington calculate your council tax based on various factors which include the property's whereabouts and the property's value as at 1 April 1991. E.g. for an average Band B home in Islington, the council tax payable would be £1,112.
Islington conveyancing solicitors will inform a buyer of the property's band after this is confirmed by the searches.
If the property is unoccupied for over 24 months, the owner will pay 150% of the relevant rate. Single person discount reduces the tax due to 75%, which would equal £834.
Other discounts and exemptions may also apply, e.g. a 10% discount for second homes or where the property is occupied solely by students.
|Band||London Borough of Islington Tax (2018)|
Are you about you buy a home in the wrong council tax band?
A homeowner can ask for their property to be reassessed, and a refund may be due if the property is awarded a lower band. To challenge your banding contact:
Valuation Office Agency
93-107 Shaftesbury Avenue
Stamp Duty on Islington properties
If you are buying a residential property that costs over £125,000, then you will have to pay Stamp Duty Land Tax to HMRC. Doing the SDLT1 form in order to pay Stamp Duty Land Tax is a daunting prospect for a layperson.
Quittance Conveyancing's specialist post-completion team will ensure that the hard to understand SDLT1 form is completed and submitted to HMRC without delay.
See SDLT examples for homes in Islington:
|Average sale price (2017)||Stamp Duty|
|Average price (detached)||£1,977,500||£151,050.00|
|Average new build||£890,516||£34,525.80|
Stamp duty relief for first-time buyers in Islington
Relief is available on home purchases below £300k for first-time buyers with reduced rates up to £500,000. Higher rates of stamp duty apply to buyers of second home in the form of a higher SDLT rate of 3%. Following the example above, if a homeowner bought a second home in Islington for the average price of £778,422 the SDLT would be £62,273.76.
Conveyancing solicitors in Islington will ensure an accurate calculation is made.
Buying a flat? Leasehold conveyancing in Islington
Purchasing a leasehold property can be challenging when compared to purchasing a freehold property. Increasing ground rents, reversionary interests and unreasonable managing agent fees are among the frequent complications lying in wait for the unsuspecting buyer.
If you are planning to purchase a property with a lease, a specialist conveyancing solicitor in Islington will address aspects of leasehold, e.g. service charges and whether they have been collected, unexpired lease terms and dealing with freeholders.
Quittance Conveyancing's leasehold conveyancing solicitor team will work to ensure that you are fully-informed regarding your decision to buy a leasehold property.
Buying a 'New Build' property in Islington?
Based on Land Registry data, the average purchase price of new build property in Islington is £890,516. 41 brand new properties were purchased in Islington last year.
The legal work for buying a new build home is more involved than any other type of conveyancing. To avoid potential problems a conveyancing solicitor in Islington must be conscious of local factors and must look into numerous things, e.g. checking new build mortgage procedures are followed and ensuring compliance with planning regulations.
Our award-winning team of new build conveyancers are specialists in ensuring that new build contracts favour the client as much as possible and meeting short developer deadlines.
Conservation areas in London
Whether you are looking for a rural setting or Georgian architecture, purchasing property in a conservation area can ensure that the street's unique character is protected. However, conservation area restrictions will affect your property.
These conditions, called Article 4 Directions, may include restrictions on the removal or addition of front boundary walls, general restrictions governing unsympathetic additions or modifications or restrictions on the erection of outbuildings.
If a property is in breach, the local authority can require the new owner to revert the property to its earlier condition, even if the changes were made by the previous owner.
Islington conservation areas include Upper Street North, Whistler Street and East Canonbury. Your conveyancing solicitor will address whether your planned purchase is located one of Islington's conservation areas.
Conveyancing - Selling a property in Islington
The legal side of a property sale is much easier than for a purchase. When buying, caveat-emptor' means that the onus lies with the purchaser to satisfy themselves that the title of the property they are buying is not legally defective.
When selling, conveyancing solicitors in Islington acting for the vendor effectively just answer any enquiries made by the buyer's solicitor.
Factors that could delay or endanger the sale of your property
A property will often come with many legal problems (e.g. a historical dispute with a freeholder or previous or historic subsidence) which could prevent a sale from completing on time.
Property specialists will almost always advise that sellers tackle these issues head on.
- Selling a Green Deal property? What you need to know
- The Essential Conveyancing Guide for Sellers in 2018
- Dispute with a freeholder? What to do before selling your home
Read more sale conveyancing articles here.
Leasehold conveyancing for a sale
The conveyancing process for a leasehold property is significantly more specialised in comparison with a freehold house.
Conveyancing solicitors in Islington will also need to carry out additional work, such as getting a complete pack of managing agent information, through to insurance premium details accounts.
In order to resolve any leasehold issues faster, it is strongly advised that you instruct a lawyer as early as possible.
What if you are acting for the other side?
SRA rules ban the same conveyancing solicitor from acting on both sides in a property sale. However, a conveyancer who is regulated by the CLC, can act for both parties.
You may wish to contact a law firm in Islington to undertake your legal work, if a Quittance conveyancer is carrying out the legal work for the other side.
Local Islington conveyancing solicitor directory
- Bolt Burdon, Providence House, Providence Place, Islington, London, N1 0NT
- A Oldschool & Co, 116-118 Islington High Street, Camden Passage, London, N1 8EG
- Angel Law Limited, 12 Chapel Market, Islington, London, N1 9EZ
- Gelbergs LLP, 188 Upper Street, Islington, London, N1 1RQ
- Akin Palmer LLP, 3 Angel Gate, 326 City Road, Islington, London, EC1V 2PT
Conveyancing - Remortgaging a property in Islington
Homeowners remortgage their home for a number of reasons, such as wanting to overpay when the lender refuses, or funding a one-off purchase. The main reason, however, is to secure a preferential rate.
A proactive conveyancing solicitor in Islington can reduce the remortgage processing time, perhaps saving you from a payment or two at your old rate. With the base rate set at 0.5% (May 2018) and rate rises anticipated, fast conveyancing can be a critical factor in getting onto your new rate as quickly as possible.
The property lawyer will act for both you and the new lender, in order to confirm the lender's interests are safeguarded.
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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