Updated: October 12, 2018

Maghull conveyancing solicitor fees

No Move, No Fee conveyancing in Maghull

Conveyancing solicitor fees will be paid to your Maghull conveyancing solicitor for carrying out the legal work for a property transaction.

Do Maghull conveyancing solicitors work on a fixed fee basis?

We work on a fixed No Sale, No Fee conveyancing basis with no nasty surprises in the small print, unlike some other conveyancing solicitors in Maghull who carry out the legal work on a fees per hour basis. Your conveyancing quote will explain all fees and other costs you will be charged when your property transaction has completed.

Are there any other costs?

You will need to budget for 'disbursements', in addition to the solicitor's conveyancing fees.

Disbursements are fees, costs or taxes that your property solicitor will have to pay to third parties on behalf of their client. These include costs like identity verification checks or bankruptcy checks.

See: Complete list of conveyancing fees and disbursements

How much will the total Maghull solicitor conveyancing fees be?

Although conveyancing fees in Maghull will usually match prices elsewhere in the UK, there can be variation in the disbursements required. As examples, Local Authority Search fees can vary and additional region-specific searches, such as utilities searches, may be needed.

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

Quittance delivered an excellent service at the lowest conveyancing fees we could find

Conveyancing - Buying a property in Maghull

In carrying out the legal work for a homebuyer, the conveyancing solicitor in Maghull will examine the draft contract and investigate the property's title and report back in detail to the buyer and the lender.

Once their enquiries are complete the solicitor will offer professional advice and will iron out any legal issues and make sure that the title is registered in the name of the new buyer.

The content below discusses the types of residential property which may be of interest to buyers looking for conveyancing solicitors in Maghull.

Your Maghull conveyancing solicitor must be lender-approved

Homebuyers can select from a wide range of mortgage providers, from a major lender such as the Bank of Scotland, to a niche lender like Pepper Money. Before you choose a Maghull conveyancing solicitor, it is very important that you make sure that they are on the approved panel of your chosen lender.

Your lawyer may not be able to carry out the legal work for your chosen lender, because some mortgage lenders are only happy to work with a restricted group of solicitors or licensed conveyancers that pass strict selection criteria.

In this case, the lender will probably require a different firm to complete the legal work, and you will be expected to pay this alternate lawyer's costs. Handling paperwork and correspondence with this additional party can delay the process.

Major delays can be caused by failing to confirm your solicitor's lender panel status.

Quittance Conveyancing are approved members of all lender panels.

Searches (Sefton Metropolitan Borough Council)

Searches are carried out by Maghull conveyancing solicitors to unearth issues that could possibly have an impact on the value of the property you are purchasing. They include:

SearchDescription
Local Authority (LA) searchincludes a list of planning decisions that could affect the property
Environmental searchcovers environmental issues within 500m of the property, including flooding, mining subsidence and the proximity of landfill and contaminated land sites.
Drainage & Water searchincludes the position of water mains and sewers, and whether the local authority is responsible for their maintenance.
Chancel repair liabilitysome Maghull property may still owe a liability to the local parish for repairs. Insurance can be taken out to protect against this risk.

You will be told if your chosen lender requires any further searches, such as a tin mining search or a ground stability report.

Sefton Metropolitan Borough Council has a typical delivery time of 4 weeks for LA searches, so your conveyancer will recommend using a faster search agent.

Planning searches

The buyer's conveyancing solicitor will source an 'Official Copy of the Title Register' from HM Land Registry. This will help to reveal any issues. Examples of these include outbuildings missing from the title plan or that a restrictive covenant has been breached.

Sefton Metropolitan Borough Council Council Tax

The council tax paid by a homeowner is based on a number of factors e.g. the square footage of the property and the property's value as at 1 April 1991. For instance the occupier of a Band B house in the Sefton Metropolitan Borough Council area would pay annual council tax of £1,393.

Conveyancing solicitors in Maghull will inform a purchaser of the home's tax band once 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 £1,045.

Other discounts and exemptions may also apply, e.g. where the home is empty or unfurnished for a maximum of 60 days or properties awaiting grant of probate. The Valuation Office Agency assign council tax bandings for new build homes, and where the owner has requested a revaluation.

Band Sefton Metropolitan Borough Council Tax (2018)
A £1,194
B £1,393
C £1,593
D £1,792
E £2,190
F £2,588
G £2,986
H £3,583

Can I dispute my council tax rate?

To appeal contact:

Valuation Office Agency
Redgrave Court
Merton Road
Liverpool
L20 7HS
Merseyside

From April 2016 to March 2017, 50 council tax challenges were made, and 10 saw a reduction.

Stamp Duty on Maghull properties

Given the complexity of the SDLT1 tax return form, only the confident would attempt to complete and file this with Her Majesty's Revenue and Customs (HMRC) without a conveyancing solicitor's help.

Stamp duty is a tax payable on all UK properties where the purchase price exceeds £125,000 (£145,000 in Scotland).

Quittance Conveyancing use the latest case management integration with HMRC to avoid errors and ensure there are no late-filing penalties.

See examples for typical Merseyside properties:

  Average selling price (2018 to date) Stamp Duty Land Tax
Average price £163,529 £770.58
Average price (detached) £306,032 £5,301.60
Average new build £165,821 £816.42
Higher rates of SDLT apply to buyers of second residential property in the form of a higher rate of 3%. So if a second property was bought for £163,529 then the SDLT total will be £8,176.45.

Stamp duty relief for first-time buyers in Maghull

As from Nov 2017, first-time buyers will not have to pay any stamp duty if the purchase price is below £300,000.

Conveyancing solicitors in Maghull will confirm their client pays the right amount.

Buying a flat? Leasehold conveyancing in Maghull

New build site

The potential pitfalls of leasehold property ownership are of serious concern. There is a wide range of sometimes obscure legal issues that may be lying in wait for an uninformed buyer, such as:

  • doubling ground rents
  • undisclosed major works
  • onerous clauses in the lease
Serious consequences can result from a solicitor's erroneous leasehold advice.

A expert conveyancing solicitor in Maghull will consider potential leasehold issues, for example dealing with freeholders, reviewing the lease itself (many leases are decades old) and share of freehold complexity.

Our leasehold conveyancing solicitors will make sure that you are fully-informed regarding your decision to buy a leasehold property.

Buying a 'New Build' property in Maghull?

House being built

According to data compiled by HMLR, 102 newly-constructed homes have been bought in Maghull in 2018 so far. The average purchase price of new build property in Maghull is £165,821.

The legal side of buying a new build property is more involved than any other type of conveyancing. To avoid potential problems a conveyancing solicitor in Maghull must be aware of local factors and needs to check numerous things, like ensuring that new build mortgage conditions are met and confirming Section 38 agreements.

Our highly qualified team of conveyancers are experts in working to developer exchange timeframes and helping new build purchasers obtain the best possible terms.

Conservation areas in Merseyside

When acting for the buyer of a home in Maghull, a conveyancing solicitor will confirm whether the property is in a conservation area in Maghull. If it is, the home is affected by conditions. These conditions, referred to as Article 4 Directions, may include restrictions on door and window styles, restrictions on extensions normally within Permitted Development rights or restrictions on hard standings at the front of the property.

If a property is in breach, the local planning authority can instruct the owner to 'undo' the recent changes, even if the previous owner was responsible for the changes.

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

Conveyancing - Selling a property in Maghull

The legal process for a sale of a house or flat is much easier than when buying. During the sale of a house or flat, the responsibility lies with the purchaser to validate that the title of the property they are buying is mortgageable and free from legal issues.

On the other hand, when selling, conveyancing solicitors in Maghull acting for the vendor need only respond to enquiries made on behalf of the buyer.

What factors could threaten your sale?

Properties can be burdened by a broad spectrum of potential roadblocks (for example a historical dispute with a freeholder) that have the capacity to prolong a purchase for weeks.

Property experts will generally suggest that vendors address any such problems immediately.

Recommended reading:

Read more sale conveyancing articles here.

Leasehold

Conveyancing for a leasehold flat is much more technical than for a freehold house.

Conveyancing solicitors in Maghull will also need to carry out additional work, and this could include requesting a copy of the lease, through to ascertaining if any excess payments are anticipated.

To speed up the leasehold conveyancing process, it is highly recommended that the vendor contacts a leasehold expert as soon as possible, and preferably before marketing the property,.

Can Quittance conveyancers act for both parties?

Conveyancers regulated by the CLC can act for both sides. However, Solicitors Regulation Authority rules restrict a single conveyancing solicitor from working on behalf of both sides in a property sale and purchase.

If you are buying or selling a Maghull property, and we are acting for the other side, you could contact a property solicitor firm in Maghull to carry out your legal work.

Local Maghull conveyancing solicitor directory

  • Brighouse Wolff, 21 Liverpool Road North, Maghull, Liverpool, Merseyside, L31 2HB
  • Maxwell Hodge Limited, 37-39 Liverpool Road North, Maghull, Liverpool, Merseyside, L31 2HB

Conveyancing - Remortgaging a property in Maghull

Homeowners remortgage a home for a number of reasons, including releasing capital to pay off other debts, or wanting to overpay when the lender refuses. By far the most common reason, however, is simply to get a better rate.

An efficient conveyancing solicitor in Maghull will complete the conveyancing quickly, and move you to the better rate sooner. With the base rate set at 0.5% (May 2018), fast conveyancing can be a crucial factor in getting onto your new rate as quickly as possible.

So that they can make sure that the mortgage provider's interests are protected, the property lawyer handling your remortgage will act for both you and your new bank or building society.

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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