Updated: October 12, 2018

Maldon conveyancing solicitor fees and costs

No Move, No Fee conveyancing in Maldon

Conveyancing solicitor fees are the amounts you pay to conveyancing solicitors in Maldon for the legal work associated with moving home.

How are Maldon conveyancing fees calculated?

Some conveyancing solicitors in Maldon work on a fees per hour basis, and others on a fixed fee (or 'No Move, No Fee') basis. Our conveyancers work on fixed legal fees (known as 'No Sale, No Fee' or 'No Move, No Fee'), with no unexpected, additional costs. Your quote will explain exactly what you will be charged when your house or flat sale completes.

Are there any other costs in addition to conveyancing fees?

In addition to the legal fees you will also need to budget for 'disbursements'.

Disbursements are the third-party costs that your conveyancer will pass on to you at the end of the conveyancing process. These include costs like bankruptcy searches or identity verification checks.

See: A guide to all conveyancing fees

How much will conveyancing in Maldon cost in total?

While conveyancing fees in Maldon will be the same as anywhere else in the UK, there may be some variation in certain disbursements. As examples, specific extra searches, e.g. a flooding search, may be necessary and Local Authority Search fees can vary.

There are no hidden fees or nasty surprises with Quittance. For a standard home sale or purchase, the fees we quote are the fees you pay. 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 Maldon

Caveat emptor, meaning 'let the buyer beware', was the legal principle of English property law. This principle no longer applies, however, a purchaser must still undertake due diligence on the property to be purchased.

A conveyancing solicitor in Maldon will offer suggestions and advice once their enquiries are complete, iron out any legal issues and confirm that the legal title passes to the new owner.

The following examines those areas of the legal process for conveyancing solicitors in Maldon where additional expertise is helpful.

Your Maldon conveyancing solicitor must be lender-approved

Regardless of whether you are getting a mortgage from Platform, Santander or any other lender, before instructing a Maldon conveyancing solicitor you need to check that they are approved by your mortgage lender.

Your lawyer may be unable to act for your mortgage lender, because some mortgage lenders will only work with a select list (referred to as a 'panel') of law firms that meet strict criteria.

Under these circumstances, the lender will need an alternative law firm to act in their interests, and you will then have to cover this alternative solicitor's costs. The additional work can mean the process takes much longer.

Neglecting to check your conveyancer's lender panel status could result in serious delays.

Quittance Conveyancing can act on behalf of all lenders.

Property Searches (Maldon District Council)

Property searches (sometimes referred to as 'conveyancing searches') are applied for by Maldon conveyancing solicitors to help to identify any wider issues that might possibly have an impact on the value of your property.

Searches are carried out primarily to satisfy mortgage conditions, usually including the local authority (LA) search, environmental search, drainage & water search and chancel repair liability.

Your conveyancer will tell you if your chosen lender wants any more searches, e.g. an HS2 search or a disadvantaged area search.

Purchasers can expect a lead time of approximately 5 weeks for conveyancing searches supplied by Maldon District Council, so quicker regulated searches will be advisable.

Ensuring planning permission is in place

Official Entries (or 'office copies') will also be sourced from the Land Registry by your conveyancing solicitor. This will help to reveal any planning issues. These issues could include discrepancies between the property boundaries and the title plan or the breach of a restrictive covenant.

Maldon District Council Council Tax

Maldon District Council calculate your council tax based on a variety of factors that include the property's whereabouts and the value of the home as determined by the VOA in 1991 (or 2003 in Wales). The occupier of a property in Valuation Band C, for example, would owe annual council tax of £1,523.

Maldon conveyancing solicitors will inform the purchaser of the property's 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 £1,142.

Other discounts and exemptions could also apply, e.g. if the property is a second home then a 10% discount will be applied or if an occupier is a student nurse. The Valuation Office Agency (VOA) assess council tax bands for newly-constructed property, and where the owner has requested a revaluation.

Band Maldon District Council Tax (2018)
A £1,142
B £1,333
C £1,523
D £1,713
E £2,094
F £2,475
G £2,856
H £3,427

Can I challenge my council tax band?

To challenge your banding contact:

Valuation Office Agency
London House
New London Rd
Chelmsford
CM2 0QL
Essex

The Valuation Office Agency should reassess a property's band on request. Councils prefer that this be done within six months of buying a property.

Stamp Duty on Maldon properties

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

Steep fines await those who miss the Stamp Duty Land Tax payment deadline.

Quittance Conveyancing will complete the SDLT1 form for you at the point your purchase completes.

The following table illustrates Stamp Duty Land Tax examples for typical properties in Maldon:

  Average sale price (2018 to date) Stamp Duty
Average price £358,632 £7,931.60
Average price (detached) £491,905 £14,595.25
Average new build £795,000 £29,750.00
Following the autumn budget statement, second home buyers have had to pay an SDLT surcharge of 3%. So if a second home was bought for £358,632 then the SDLT total will be £28,690.56.

Stamp duty relief for first-time buyers in Maldon

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

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

Buying a flat? Leasehold conveyancing in Maldon

New build site

The pitfalls associated with purchasing a leasehold property in the UK are recognised. Numerous legal issues could be lying in wait for an uninformed purchaser, such as doubling ground rents and unpaid service charges by the existing leaseholder.

Serious financial ramifications can result from an inexperienced lawyer's bad leasehold advice.

If you intend to purchase a house or flat with a lease, a competent conveyancing solicitor in Maldon will address aspects of leasehold, including :

  • reviewing the lease itself (some leases are over 100 years old)
  • dealing with freeholders
  • service charges, ground rents and buildings insurance arrangements
  • sub-let or tenanted flats

Ensure that you are aware of all the potential issues and costs associated with the lease - You can call our leasehold conveyancing solicitors on 0800 612 0377.

Buying a 'New Build' property in Maldon?

New build site

According to Her Majesty's Land Registry data, the average price for a new build home in Maldon is £795,000. 1 brand new homes have been bought in Maldon in 2018 so far.

A new-build conveyancing solicitor in Maldon must be aware of local Maldon considerations and new build-specific issues, including dealing with incomplete service connection agreements and dealing with delays associated with off-plan.

Our expert new build team provide an accurate and truly independent assessment of the legal title of the house or flat, and in particular issues ranging from onerous leasehold conditions to possible freehold acquisition traps.

Essex Conservation areas

Buying in a conservation area-protected street usually means that the local character will be preserved. However, conservation area building controls will affect your home.

These building controls, called Article 4 Directions, can include:

  • Restrictions on painting external walls
  • Restrictions on the display of advertisements
  • Restrictions on the erection of outbuildings

If a property is in breach, the local planning authority could order the owner to pay for the work needed to make the home compliant, even if the changes were made by the previous owner.

Conservation areas in Maldon include Maldon, Burnham-on-Crouch and Tolleshunt D'arcy. Quittance's conveyancing solicitors will address whether the home you plan to buy is located in a conservation area in Maldon.

Conveyancing - Selling a property in Maldon

The legal work involved in a property sale is much easier than for a purchase. For a house purchase, the onus is on the buyer to ensure that the title of the property is mortgageable and is (or can be) registered at the Land Registry.

On the other hand, when selling, conveyancing solicitors in Maldon acting for the existing owner need only respond to questions set by the buyer's conveyancing solicitor.

What factors could threaten your sale?

Properties can face a range of issues (such as chancel repair liability or missing planning regulations) which may jeopardise the sale process.

Property experts will generally advise that vendors address such issues immediately.

Further reading:

Read more conveyancing advice for sellers.

Selling a leasehold property

The legal work for a leasehold flat (leasehold houses are uncommon) is much more difficult compared to a freehold house.

The complexities of leasehold mean conveyancing solicitors in Maldon must undertake additional legal work. This can involve getting all relevant freeholder information or a copy of any notices served on the leaseholder.

To help mitigate the delays involved in selling a leasehold house or flat, it is recommended that the vendor contact a lawyer as soon as the property is marketed, if not before,.

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

A conveyancer regulated by the CLC can act for both the buyer and the seller. However, Solicitors Regulation Authority rules ban a single conveyancing solicitor from acting on both sides in a house sale.

If you are buying or selling a house or flat in Maldon, and we are acting for the other side, you may want to instruct a property solicitor firm in Maldon to undertake your legal work.

Local Maldon conveyancing solicitor directory

  • The Mitchell Plampin Partnership, 22 High Street, Maldon, Essex, CM9 5PJ
  • Bright & Sons, West House, West Square, Maldon, Essex, CM9 6HA
  • Kew Law LLP, 1/3 Gate Street, Maldon, Essex, CM9 5QW
  • D & S Legal Limited, Ff10 Heybridge Business Centre, 110 The Causeway, Heybridge, Maldon, Essex, CM9 4ND

Conveyancing - Remortgaging a property in Maldon

Although people consider remortgaging for a range of reasons, homeowners usually remortgage their home to get a better interest rate.

An efficient conveyancing solicitor in Maldon 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), fast conveyancing can be a contributing factor to getting onto your new rate as quickly as possible.

It is crucial that the property lawyer carrying out the remortgage can act for the new lender. Quittance Conveyancing are on the panel for all major lenders. So whether you are changing to an interest-only mortgage with the Co-operative Bank or to a variable-rate mortgage with the Monmouthshire Building Society, we can help.

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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