Updated: October 12, 2018

Jarrow conveyancing solicitor fees

No Move, No Fee conveyancing in Jarrow

Conveyancing solicitor fees are what you pay to your Jarrow conveyancing solicitor for the legal work associated with moving home.

Are Jarrow conveyancing fees and costs fixed?

We work on fixed legal fees (known as 'No Sale, No Fee' or 'No Move, No Fee') with no hidden fees, unlike some other conveyancing solicitors in Jarrow who carry out the legal work on a fees per hour basis. Your conveyancing quote will explain exactly what you will need to pay when your sale or purchase goes through.

What are disbursements?

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

Disbursements are the costs and expenses a solicitor needs to pay out on behalf of a client, such as Stamp Duty or TT fees.

See: A guide to conveyancing fees, costs and disbursements

How much will the total Jarrow solicitor conveyancing fees be?

Conveyancing fees in Jarrow will not vary, wherever you are buying or selling in the UK. However, the costs of certain disbursements can vary. As examples, Local Authority (LA) Search fees will vary and specific extra searches, e.g. a mining search, may be necessary.

For a standard conveyancing transaction, the conveyancing fee we quote is the fee you pay. There are no hidden fees or costs to be paid with Quittance Conveyancing. Work out the conveyancing fees for your move, with our conveyancing calculator: Click here

Quittance's fees were cheaper - less than half the Estate Agent's recommended solicitor's fees

Conveyancing - Buying a property in Jarrow

Caveat emptor, (Latin for "let the buyer beware"), was the legal principle of English property law. Since 2013, this maxim no longer applies, however, it remains the duty of a buyer's legal representative to undertake due diligence on the property to be purchased.

The conveyancing solicitor in Jarrow will make recommendations following their enquiries, help with resolving any problems and make sure that the title is registered in the name of the new buyer.

This section of the article gives useful information for homebuyers who want conveyancing solicitors in Jarrow.

Your Jarrow conveyancing solicitor must be lender-approved

Before you select a Jarrow conveyancing solicitor, it is essential that you check that they are on the approved solicitor panel of your lender, whether you are taking out a mortgage from the Skipton Building Society, Barclays Bank or any other lender.

Quite a few lenders will only accept a select panel of firms. If a conveyancer is unable to act for your lender, the lender will require a different solicitor firm to act in their interests.

The buyer will be expected to pay this second lawyer's costs, and weeks could be added to the conveyancing process.

Failing to check your conveyancing solicitor's lender panel status can mean serious delays.

Quittance Conveyancing are approved members of all lender panels.

Conveyancing Searches (South Tyneside Metropolitan Borough Council)

Property searches are enquiries made of government bodies by Jarrow conveyancing solicitors to give details about your planned purchase.

Mortgagees will also require searches (as set out in the CML Handbook) to be carried out. Required searches will include:

  • Local Authority search - reveals planning applications, decisions and enforcement notices for planning breaches.
  • Drainage & Water search - covers the location of water pipes and drains, and reveals if the upkeep for these falls on the owner or local council.
  • Environmental search - exposes whether the land around the property (500m radius) has been affected by subsidence, flooding or has been identified as "contaminated land"
  • Chancel repair liability - there is a risk that some Jarrow 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 needs any additional searches, such as a tin mining search or a geological search.

The average turnaround time for Residential property searches delivered by South Tyneside Metropolitan Borough Council is 8 weeks, so personal (as opposed to official) searches will be faster.

Checking planning status

The buyer's conveyancing solicitor will request an 'Official Copy of the Title Register' from the Land Registry. This will help to expose any issues, such as that a restrictive covenant has been breached or discrepancies with the filed plan.

South Tyneside Metropolitan Borough Council Council Tax

The council tax paid by a homeowner is based on a number of criteria such as the size and character of the property and the value of the property as determined by the VOA in 1991. For example, for an average Band E house in Jarrow, the council tax would be £2,075.

Conveyancing solicitors in Jarrow will inform a buyer of the home's council tax band once they have the Local Authority search results.

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 £1,556.

Other discounts and exemptions may also apply, e.g. a 10% discount for second homes (although this may change as the government has second home ownership in its sights) or if the home is left unoccupied by a student.

Band South Tyneside Metropolitan Borough Council Tax (2018)
A £1,132
B £1,321
C £1,509
D £1,698
E £2,075
F £2,452
G £2,830
H £3,396

Can I dispute my council tax rate?

To appeal contact:

Valuation Office Agency
Eagle Star House
Regent Centre
Newcastle Upon Tyne
NE3 3TW
Tyne and Wear

The Valuation Office Agency (VOA) should reassess a property's band on request.

Stamp Duty on Jarrow 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 SDLT.

Quittance ensure that the complex SDLT1 form is completed accurately and without delay.

The following table illustrates SDLT examples for typical properties in Jarrow:

  Average sale price (2017) Stamp Duty Land Tax
Average price £117,769 £0.00
Average price (detached) £188,045 £1,260.90
Average new build £245,000 £2,400.00

Stamp duty relief for first-time buyers in Jarrow

First-time buyer stamp duty relief is available on property purchases below £300k. Homeowners must pay a higher rate of SDLT when buying a second home. E.g. if a second home was bought for £117,769 then the stamp duty including the surcharge would be £3,533.07. .

Conveyancing solicitors in Jarrow will confirm the right tax is paid.

Buying a flat? Leasehold conveyancing in Jarrow

New build site

Purchasing a leasehold home if you are unaware of the implications is not recommended. The many potential problems awaiting an uninformed buyer include short leases, unreasonable ground rents and restrictions on the use of the property.

Serious financial ramifications can result from an inexperienced solicitor's inaccurate leasehold advice.

A expert conveyancing solicitor in Jarrow will investigate aspects of the leasehold purchase, for example absent freeholders, reviewing the lease itself (some leases are over 100 years old) and reserve funds.

Make sure that you are fully-informed regarding your planned purchase with our leasehold conveyancing solicitors.

Buying a 'New Build' property in Jarrow?

House being built

The average sale price of new build properties in Jarrow is £245,000, according to data compiled by the Land Registry. 1 new build properties were purchased in Jarrow last year.

A new-build conveyancing solicitor in Jarrow must be aware of Jarrow-specific issues and the extra complexities of new build, e.g. negotiating new build contracts, squaring developer incentives with lenders and working with warranty providers such as NHBC, Zurich Municipal and Q Assure.

Our award-winning new build conveyancing team are experts in ensuring that new build contracts favour the client as much as possible and meeting short developer deadlines.

Conservation areas in Tyne and Wear

If you are buying a property in one of Jarrow's conservation areas, the property will need to meet any conservation area constraints. Called Article 4 directions, these restrictions could include restrictions on the use of PVC windows, restrictions on the erection of outbuildings or restrictions on the addition of flues and soil vent pipes.

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 Quittance conveyancing solicitor will confirm if the property you are purchasing is located in a conservation area in Jarrow.

Conveyancing - Selling a property in Jarrow

The legal side of a house sale is generally simpler than for a property purchase. The buyer's solicitor does extensive due diligence on the home, whereas conveyancing solicitors in Jarrow acting for the seller merely answers the buyer's questions.

What could go wrong?

A home will frequently have a series of potential complications (for example missing planning regulations or not being registered at the Land Registry) that might draw out a sale for weeks (or worse).

It is best not to procrastinate, trusting that the issue won't be discovered - a better course of action will be to get professional advice, square up to the issue(s), and find a solution at the earliest stage.

Useful reading:

Read more helpful advice for sellers here.

Leasehold

Conveyancing for a leasehold property is significantly more time-consuming than for a more straightforward freehold house.

Leasehold complexity involves additional legal work on the part of conveyancing solicitors in Jarrow, including sourcing an up-to-date service charge statement or details of any slush fund for property maintenance.

To reduce delays, it is highly recommended that the seller instructs a lawyer with leasehold experience as early as possible.

Can your conveyancing solicitors act for both parties?

CLC-regulated conveyancers can act for both parties. However, Solicitors Regulation Authority rules restrict the same conveyancing solicitor from acting on both sides in a property sale and purchase.

If you are buying or selling a Jarrow property, and a Quittance conveyancer is acting for the other side, you may want to instruct a property solicitor firm in Jarrow to undertake your legal work.

Local Jarrow conveyancing solicitor directory

  • Kyles Legal Practice Ltd, 73 Ellison Street, Jarrow, Tyne and Wear, NE32 3JU
  • Geoffrey Forrester & Co Limited, 4/5 Grange Road West, Jarrow, Tyne and Wear, NE32 3JA
  • Ian Cruickshank & Co. Limited, 10 Grange Road West, Jarrow, Tyne and Wear, NE32 3JD

Conveyancing - Remortgaging a property in Jarrow

People remortgage for a variety of reasons, for example fixing the mortgage on a new discounted rate, or releasing capital. The most common reason, however, is to lower their monthly repayments.

Homeowners can enjoy the benefits of a better rate sooner with a more proactive conveyancing solicitor in Jarrow, shortening the time the conveyancing takes. With rate rises hard to predict, fast conveyancing can be a key consideration when securing the rate you want.

To make sure that the mortgage provider's interests are protected, the property lawyer handling your remortgage will need to act for both you and the mortgage lender.

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

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