Award-winning No Move, No Fee conveyancing for Oxted home movers
By Gaynor Haliday, Legal researcher
Updated: October 12, 2018
If you are buying, selling or remortgaging a home and need conveyancing solicitors in Oxted, Quittance Conveyancing's no sale - no fee property lawyers can help.
Quittance offer 100% fixed conveyancing fees, and you will always stay informed about the legal side of your move, thanks to our commitment to better communication.
Our no sale no fee service means should your move not proceed, you won't incur any conveyancing solicitors' legal fees.
Oxted's most communicative conveyancing service
According to a survey over 200,000 home buyers commissioned by Modern Law Magazine, nearly 1/4 of conveyancing complaints stemmed from poor communication.
The Conveyancing Quality Scheme (CQS) Client Charter is very focussed on improving conveyancing solicitor communication.
Even so, according to a survey carried out by OnePoll of 1,500 people, 46% of respondents thought that better communication would have meant a faster completion.
Our Oxted conveyancing solicitors provide the UK's most informative and proactive conveyancing service. We strive to give you the answers you need by phone, email and online, 7 days a week:
- Cheapest Oxted conveyancing solicitor fees
- Open weekends - Saturday (9am-1pm)
- Open Mon to Thurs 9am-8pm & Fri 9am-6pm
- Proactive updates by SMS, phone and email
- Award-winning technology to track your case
- Direct contact details for your conveyancing lawyer
Updated: October 12, 2018
Oxted conveyancing solicitor fees and costs
No Move, No Fee conveyancing in Oxted
Conveyancing solicitor fees are paid your Oxted conveyancing solicitor for the legal work involved in moving home.
How are Oxted conveyancing fees calculated?
Our conveyancing solicitors work on a fixed No Sale, No Fee conveyancing basis with no unexpected, additional costs, unlike some other conveyancing solicitors in Oxted who will work on an hourly rate. Your quote explains exactly what you will be charged when your sale or purchase goes through.
Are there any other costs?
You must cover the cost of any 'disbursements', on top of the conveyancing fees.
Disbursements are fees, costs or taxes that your property solicitor will have to pay to third parties on behalf of their client, such as Land Registry fees or identity verification checks.
How much will the total conveyancing fees in Oxted cost?
Whilst conveyancing fees in Oxted will be the same as anywhere else in the country, there can be variation in the disbursements required. As examples, Local Authority Search fees can vary and specific extra searches, such as a historic mining search, may be necessary.
With Quittance, there are no unexpected costs or surprises in the small print. For a standard conveyancing transaction, the fees we quote are the fees you pay. To calculate your conveyancing fees, try our conveyancing fees quote calculator: Click here
Conveyancing - Buying a property in Oxted
Recent changes to the law mean that a seller must now disclose issues concerning their property to the buyer and the estate agent.
That said, it remains the responsibility of the conveyancing solicitor in Oxted to investigate the property, so that they can report back in detail to the buyer and the lender, deal with any legal problems and confirm that the legal title passes to the new owner.
This section of the article sets out assistance for buyers who want conveyancing solicitors in Oxted.
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Your Oxted conveyancing solicitor must be lender-approved
Homebuyers have many mortgage providers available, from a major lender such as Barclays Bank, to a niche lender like Aldermore Bank. Before appointing a conveyancing solicitor in Oxted, it is essential that you check that they can act on behalf of your lender.
Your lawyer may be unable to act for your lender, because some mortgage lenders only accept a selected list (known as a 'lender panel') of solicitors or licensed conveyancers that pass strict standards.
If that is the case, the lender will probably need a second solicitor firm to act in their interests, and you will be expected to pay this substitute solicitor's fees. This can mean the process takes much longer.
Our conveyancing solicitors can act for all banks and building societies.
- Lloyds Bank
- Barclays Bank
- HSBC Bank
- The Royal Bank of Scotland
- Santander Bank
- Nationwide Building Society
- Halifax Bank
- All UK lenders
Property Searches (Tandridge District Council)
Searches are questions asked of various bodies by Oxted conveyancing solicitors to identify information and potential issues affecting your planned purchase.
Mortgagees also expect conveyancing search packs to be purchased. Required searches will include:
- Local Authority search - reveals issues like whether the adjoining road and pavement are publicly maintained
- Drainage & Water search - identifies the location of sewers and water mains, and will confirm whether these are maintained by the local council.
- Environmental search - shows whether the surrounding environment is suitable for the purchaser
- Chancel repair liability - describes the insurance to protect against any liability owed by Oxted properties for local parish repairs.
More specific searches, such as a more detailed flood report or a commons registration search, may also be referred to in the initial LA and Environmental searches.
Buyers can expect a lead time of approximately 5 weeks for property searches supplied by Tandridge District Council, so your lawyer will recommend using quicker personal searches.
The buyer's conveyancing solicitor will obtain office copies from HMLR. This will help to expose any planning issues. Examples of these include outbuildings missing from the title plan or rights or restrictions on how the property may be used.
Tandridge District Council Council Tax
Tandridge District Council calculate council tax on Oxted homes based on the number of occupants and the historic value of the property (as valued at 1 April 1991). For instance the occupier of a Valuation Band D property in the Tandridge District Council area would pay annual council tax of £1,880.
Conveyancing solicitors in Oxted will inform a buyer of the home's tax band after this is confirmed by the searches.
If the property is unoccupied for 2 years or more, an additional premium of 50% may be applied to the council tax. Single person discount (25%) would reduce the tax due to £1,410.
Other discounts and exemptions may also apply, for example a 10% discount for second homes (although this may change as the government has second home ownership in its sights) or if the resident is living in long term residential care.
|Band||Tandridge District Council Tax (2018)|
Can you challenge the council tax bracket?
It is possible to challenge the council tax band after moving in. Between April 2016 and April 2017, 50 council tax challenges were made, of which 10 were approved and the tax was reduced. Contact the VOA for more information on how to challenge your tax band:
Valuation Office Agency
67 Station Rd
Stamp Duty on Oxted properties
The vast majority of people will have their conveyancing solicitor complete the SDLT1 return on their behalf.If your home costs more than £125,000 then you will have to pay Stamp Duty Land Tax.
Quittance Conveyancing's case management software are fully integrated with HMRC's online tax return system.
This table sets out stamp duty for property in Oxted:
|Average selling price (2017)||Stamp Duty|
|Average price (detached)||£906,525||£35,326.25|
|Average new build||£422,883||£11,144.15|
Stamp duty relief for first-time buyers in Oxted
First-time buyer stamp duty relief is available on property purchases below £300k. Since 1st April 2016, buyers of second homes are subject to an SDLT surcharge of 3%, even if the home is not let out. Following the example above, if a homeowner bought a second home in Oxted for the average price of £607,853 the SDLT would be £48,628.24.
Conveyancing solicitors in Oxted should confirm the correct calculation is made.
Buying a flat? Leasehold conveyancing in Oxted
The drawbacks of leasehold property ownership are a source of anxiety for leasehold property buyers. Numerous legal issues could be lying in wait for an uninformed purchaser, including exponential ground rents and incomplete management company accounts.
If you are planning to purchase a leasehold property, a experienced conveyancing solicitor in Oxted will consider potential leasehold issues, for example :
- reviewing the lease itself (leases can be 10's or even 100's of years old)
- service charges
- dealing with freeholders
- the implications of the remaining length of the lease
Our specialist leasehold conveyancing solicitors will make sure that you are aware of all the potential issues and costs associated with the lease.
Buying a 'New Build' property in Oxted?
The average purchase price of new build properties in Oxted is £422,883. 28 new build properties were purchased in Oxted last year.
A new-build conveyancing solicitor in Oxted needs to be conscious of local issues and the specific issues associated with new build, such as dealing with lender conditions and investigating issues with drains and roads that serve the property.
With Quittance Conveyancing, you will get an independent assessment of the legal title of the house or flat, whilst being mindful of factors ranging from unreasonable leasehold terms to an assessment of other risks, such as future local development.
Surrey Conservation areas
When carrying out the conveyancing for a purchase in Oxted, a conveyancing solicitor will check if the house is in a conservation area in Oxted. If it is, the property is affected by restrictions. Called Article 4 directions, these restrictions may include:
- Limitations on the erection of outbuildings
- Restrictions on the addition of flues and soil vent pipes
- Limits on the erection of outbuildings
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 was responsible for the changes.
Parts of Oxted lie within a Tandridge LPA-governed conservation area. Your conveyancing solicitor will address whether your planned purchase is located one of Oxted's conservation areas.
Conveyancing - Selling a property in Oxted
The legal process for a house sale is much simpler than for a property purchase. During the sale of a house or flat, the responsibility lies entirely with the buyer to establish that the title of the property can be mortgaged and is free from legal issues.
In contrast, for a sale, conveyancing solicitors in Oxted acting for the seller need only respond to the purchaser's enquiries.
What factors could threaten your sale?
Issues, such as a problem with the roof or not having permission for alterations when in a conservation area, can protract your move if ignored.
Property experts will almost always advise that sellers face any such problems head on and fix them.
- The Essential Conveyancing Guide for Sellers in 2018
- Dispute with a freeholder? What to do before selling your home
- No electrical completion certificate? What to do before selling your home
Read more sale conveyancing articles here.
Leasehold conveyancing for a sale
The conveyancing process for a leasehold flat is a great deal more complicated in comparison with a freehold house.
The complexities of leasehold mean conveyancing solicitors in Oxted must undertake additional legal work, such as sourcing all relevant freeholder information or any details of any ongoing enfranchisement process.
It is highly recommended that the seller instructs a conveyancer with leasehold experience as soon as the property is marketed, if not before, to ensure any legal complexity is correctly handled.
What if Quittance conveyancers are acting for the other side?
SRA regulations restrict the same conveyancing solicitor from acting on both sides in a property sale. A CLC-regulated conveyancer, however, can act for both sides.
If you are buying or selling a house or flat in Oxted, and we are acting for the other side, you could contact a property solicitor firm in Oxted to carry out your legal work.
Local Oxted conveyancing solicitor directory
- Baldwin & Robinson Limited, 4 Oxted Chambers, 185-187 Station Road East, Oxted, Surrey, RH8 0QE
- Teresa M Cornwell, 37 Station Road West, Oxted, Surrey, RH8 9EE
- H&H Lawyers Limited, 12 Station Road West, Oxted, Surrey, RH8 9ES
- Glynis A Johnstone, Gallets, High Street, Limpsfield, Oxted, Surrey, RH8 0DT
Conveyancing - Remortgaging a property in Oxted
Benefitting from a better rate of interest to reduce monthly expenses is primarily why homeowners opt to remortgage. There are other reasons, such as consolidating debts, or the current mortgage deal coming to an end.
An efficient conveyancing solicitor in Oxted will complete the conveyancing quickly, meaning you move to your lower rate sooner. With the Bank of England base rate now at 0.5% (May 2018) and the future of interest rates uncertain, fast conveyancing can be a contributing factor to securing your preferred rate.
In order to ensure that the interests of the lender are covered, the property lawyer handling your remortgage will act for both you and the bank or building society.
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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