Award-winning No Move, No Fee conveyancing for Matlock home movers
By Gaynor Haliday, Legal researcher
Updated: October 12, 2018
Whether you are buying or selling a home, and need conveyancing solicitors in Matlock, our award-winning no sale, no fee property lawyers can help.
Quittance Conveyancing offer 100% fixed conveyancing fees, and our focus on better communication means you will never be in the dark about how your sale or purchase is progressing.
Our no sale no fee guarantee means that should your home move not go ahead, you won't incur any conveyancing solicitors' legal fees.
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Matlock's most communicative conveyancing service
Inadequate solicitor or licensed conveyancer communication can be one of the most trying elements of the whole home moving process.
The charters of both the Conveyancing Quality Scheme (CQS) and the Council for Licensed Conveyancers are heavily focussed on the issue of conveyancing solicitor communication.
Nevertheless, inadequate communication is perhaps the most frequent cause of complaints made to the Ombudsman.
Keeping you informed
Our team of Matlock conveyancing solicitors deliver a first-rate conveyancing service. We provide clients with an informative and proactive legal service by phone, email and via online case management, every day of the week:
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Updated: October 12, 2018
Matlock conveyancing solicitor fees and costs
No Move, No Fee conveyancing in Matlock
Conveyancing solicitor fees are the charges you pay conveyancing solicitors in Matlock for the legal work involved in moving home.
Are Matlock conveyancing fees and costs fixed?
Some conveyancing solicitors in Matlock will work on a fees per hour basis, whereas others work on a fixed fee (or 'No Move, No Fee'). Our conveyancing solicitors work on fixed legal fees (known as 'No Sale, No Fee' or 'No Move, No Fee'), with no hidden extras. Your quote will explain what fees you will need to pay when your sale or purchase completes.
Are there any other costs in addition to conveyancing fees?
You will have to pay any 'disbursements', on top of the conveyancing fees.
Disbursements are fees, costs or taxes the conveyancing solicitor will have to pay to other organisations as part of the house-buying and selling process, such as telegraphic transfer fees or HMLR fees.
How much will the total conveyancing fees in Matlock cost?
Matlock conveyancing fees should be the same as anywhere else in the UK. There may, however, be some variation in certain disbursements. As examples, Local Authority (LA) Search fees will vary and specific extra searches, such as a Coal Authority search, may be necessary.
With Quittance, there are no hidden fees or nasty surprises. 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 Matlock
As a key part of the conveyancing for a property purchase, the Matlock conveyancing solicitor will look into the legal ownership rights or 'title' of the property and report back in detail to the buyer and the lender.
Following their enquiries the conveyancer will give advice and will offer pragmatic solutions and confirm that the legal title passes to the new owner.
The following examines the types of residential property which may involve additional risk for homebuyers searching for conveyancing solicitors in Matlock.
- Conveyancing solicitors in Alfreton
- Conveyancing solicitors in Belper
- Conveyancing solicitors in Derby
- Conveyancing solicitors in Sheffield
- Conveyancing solicitors in Derbyshire
Your Matlock conveyancing solicitor must be lender-approved
Irrespective of whether your mortgage is with a less common lender like the Harpenden Building Society or a large lender such as the HSBC, before you select a conveyancing solicitor in Matlock it is essential that you check that they are on the approved solicitor panel of your chosen lender.
Your lawyer may be unable to act for your chosen lender, because some banks and building societies only accept a restricted panel of solicitors or licensed conveyancers.
If this is the case, the lender will probably need an alternative legal firm to complete the legal work, and you will usually need to pay this second solicitor's costs. This can push back the completion date of the purchase.
Our conveyancing solicitors are on the panel of all mortgage lenders.
- Lloyds Bank
- Barclays Bank
- HSBC Bank
- The Royal Bank of Scotland
- Santander Bank
- Nationwide Building Society
- Halifax Bank
- All UK lenders
Residential Property Searches (Derbyshire Dales Council)
Residential property searches are applied for by Matlock conveyancing solicitors to help spot issues that might reduce how much the property you intend to buy will be worth.
Mortgage lenders also expect searches (as set out in the CML Handbook) to be carried out. These include:
|Local Authority (LA) search||includes the LLC1 Local Land Charge Register and CON29 Enquiry Form|
|Drainage & Water search||identifies the location of sewers and water mains, and will confirm whether these are maintained by the local council.|
|Environmental search||reveals contaminated land, landfill sites and flooding or subsidence within 500m of the property.|
|Chancel repair liability||describes the insurance to protect against any liability to the local parish for repairs.|
Homebuyers will be made aware if your mortgage lender insists on any additional searches, such as a highways search or a disadvantaged area search.
Derbyshire Dales Council has an estimated turnaround time of 9 weeks for conveyancing searches, so quicker regulated searches will be advisable.
Your conveyancing solicitor will also obtain official entries from the Land Registry. This helps to find any planning issues, for example outbuildings lying outside the boundary or that a restrictive covenant has been breached.
Derbyshire Dales Council Council Tax
As a homeowner in Matlock, 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. the occupier of a Band D home in the Derbyshire Dales Council area would pay annual council tax of £1,796.
A conveyancing solicitor in Matlock will inform a buyer of the home's 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 £1,347.
Other discounts and exemptions may also apply, e.g. unoccupied properties undergoing major repairs or if the property is occupied by someone who is seriously mentally impaired. Property constructed after 1991 is assigned a council tax band by the Valuation Office Agency.
|Band||Derbyshire Dales Council Tax (2018)|
In the 2016/17 financial year, 20 council tax challenges were made. 10 were upheld and the tax was reduced. To challenge your banding contact:
Valuation Office Agency
1 Vicar Lane
Stamp Duty on Matlock properties
The buyer (rather than the seller) will have to pay Stamp Duty Land Tax on the purchase price of the home if it exceeds £125,000. Given the complexity of the SDLT1 tax return form, only an experienced home buyer would attempt to complete and file this with HMRC (formerly Inland Revenue) without a conveyancing solicitor's help.
Quittance Conveyancing's case management system integrates with electronic filing gateway to ensure that the Stamp Duty Land Tax is paid in full quickly and with minimal fuss.
See Stamp Duty Land Tax examples for properties in Matlock:
|Average sale price (2017)||Stamp Duty Land Tax|
|Average price (detached)||£328,232||£6,411.60|
|Average new build||£287,240||£4,362.00|
Stamp duty relief for first-time buyers in Matlock
Since November 2017, first-time buyers only need to pay stamp duty on residential properties valued over £300,000.
Conveyancing solicitors in Matlock should confirm the correct amount is calculated.
Buying a flat? Leasehold conveyancing in Matlock
Purchasing a leasehold home without being aware of the facts can be fraught with risk. Ground rent multipliers, freeholds sold without first refusal to leaseholders and undisclosed major works are but a few of the many traps awaiting an uninformed purchaser.
If you intend to purchase a house or flat with a lease, a good conveyancing solicitor in Matlock will consider potential leasehold issues, for example :
- sometimes ancient and arcane lease documents
- service charges for relevant date periods
- reviewing correspondence between the freeholder and leaseholder
- plans to collectively purchase the freehold
- the implications of the remaining length of the lease
Our leasehold conveyancing solicitors will work to ensure that you are fully-informed regarding your planned purchase.
Buying a 'New Build' property in Matlock?
The average price for new build homes in Matlock is £308,704, according to data compiled by the Land Registry. 7 new build properties have been bought in Matlock in 2018 so far.
The legal side of buying a new build home is more complex than any other type of conveyancing. Therefore a conveyancing solicitor in Matlock should be aware of local factors and should consider a range of factors, including dealing with lender conditions and ensuring compliance with planning regulations.
Our new build team specialise in meeting short developer deadlines and helping the buyer get the best possible purchase terms.
Conservation areas in Derbyshire
Buying in a conservation area will usually mean that the local character is unlikely to drastically change. However, conservation area constraints will affect your residential property.
Referred to as Article 4 directions, these building controls could include:
- Limits on the use of non-traditional building materials
- A ban on VELUX windows
- Restrictions on outbuildings and extensions
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 Matlock.
Conveyancing - Selling a property in Matlock
The legal work involved in a sale of a house or flat is simpler than for a purchase. When buying, the obligation is solely on the buyer to make sure that the legal title of the property is mortgageable and is (or can be) registered at the Land Registry.
In contrast, for a sale, conveyancing solicitors in Matlock acting for the vendor effectively just answer the buyer's solicitor's questions.
What could jeopardise the sale of your property?
Common issues, like not having appropriate warranties or having a defective lease, have the capacity to jeopardise the sale process.
In the majority of cases, it is recommended for sellers to tackle such issues head on.
- No electrical completion certificate? What to do before selling your home
- What to do if selling a home without planning permission
- The Essential Conveyancing Guide for Sellers in 2018
Read more sale conveyancing articles here.
Selling a leasehold property
The conveyancing process for a leasehold flat is a great deal more technical compared to a freehold house.
Matlock conveyancing solicitors will also carry out additional work, for example collating an up-to-date service charge statement, through to any documents pertaining to a variation of the terms of the lease.
So as to resolve any leasehold-related delays sooner, it is strongly advised that you instruct a conveyancer as soon as the decision is made to sell.
What if Quittance conveyancers are acting for the other side?
Solicitors Regulation Authority rules ban a single conveyancing solicitor from acting on both sides in a house sale. A CLC-regulated conveyancer, however, can act for both the buyer and the seller.
You may want to instruct a property solicitor firm in Matlock to carry out your conveyancing, if one of our conveyancing solicitors is acting for the other side.
Local Matlock conveyancing solicitor directory
- Derbyshire Legal Services Limited, Crown Chambers, 6 Bank Road, Matlock, Derbyshire, DE4 3AQ
- Dalton Law Limited, Bridge House, 1 Dale Road, Matlock, Derbyshire, DE4 3LT
- Derbyshire Legal Services Limited, Bridge Chambers, 23 Dale Road, Matlock, Derbyshire, DE4 3LT
- Elliot Mather LLP, Sherwood House, Holt Lane, Matlock, Derbyshire, DE4 3LY
Conveyancing - Remortgaging a property in Matlock
The main reason homeowners remortgage their home is to get a more attractive interest rate. Other reasons to think about remortgaging include the current mortgage deal coming to an end, or funding a one-off purchase.
An efficient conveyancing solicitor in Matlock will complete the conveyancing quickly, perhaps saving you from a payment or two at your old rate. With the base rate now at 0.5% (May 2018) and rate rises anticipated, fast conveyancing can be a critical factor in getting the mortgage rate you want.
It is critical that the property lawyer undertaking the legal work can act on behalf of your new mortgage provider. Quittance Conveyancing are on the panel for all major UK lenders. So whether you are moving to a lifetime tracker mortgage with the NatWest 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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