Award-winning No Move, No Fee conveyancing for Prescot home movers
By Gaynor Haliday, Legal researcher
Updated: October 12, 2018
Quittance offer guaranteed fixed conveyancing fees, and because we prioritise better communication, you will never be uncertain about how your sale or purchase is progressing.
Every year Quittance Conveyancing's expert property lawyers deliver an expert no sale, no fee service to home buyers and sellers looking for conveyancing solicitors in Prescot and Merseyside.
If, for whatever reason, your property sale or purchase does not ultimately go ahead our no move no fee service means you won't incur any conveyancing solicitors' legal fees at all.
Prescot's most communicative conveyancing service
According to a survey by the Law Society, one in two of those asked stated that poor communication unnecessarily delayed their home move.
The Law Society's 'Conveyancing Quality Scheme' Client Charter is very focussed on conveyancing solicitors improving conveyancing solicitor communication.
In spite of this, a survey carried out by OnePoll indicated 0.25 of property purchases fall through due to poor communication.
Keeping you informed
Our team of Prescot conveyancing solicitors deliver an award-winning property legal service. We deliver to homemovers a dedicated 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
Prescot conveyancing solicitor fees and costs
No Move, No Fee conveyancing in Prescot
Conveyancing solicitor fees are what you pay to conveyancing solicitors in Prescot for carrying out the legal work for a property transaction.
Do Prescot conveyancing solicitors work on a fixed fee basis?
Some conveyancing solicitors in Prescot work on a fees per hour basis, whereas others work on a fixed fee (or 'No Move, No Fee'). We work on a fixed No Move, No Fee basis, with no hidden costs. Your conveyancing quote sets out exactly what you will need to pay when your sale or purchase completes.
Besides conveyancing fees, what other costs are there?
You will have to pay any 'disbursements', on top of the conveyancing fees.
Disbursements are the costs incurred by the solicitor on your behalf. These include costs like Stamp Duty Land Tax or managing agent fees.
How much will the total Prescot solicitor conveyancing fees be?
Prescot conveyancing fees will not vary. However, there may be some variation in certain disbursements. As examples, specific extra searches, such as a mining search, may be necessary and council search fees will vary.
There are no hidden costs or surprises to be paid with Quittance. For a standard home sale or purchase, the conveyancing fee we quote is the fee you pay. Work out the conveyancing fees for your move, with our conveyancing calculator: Click here
Conveyancing - Buying a property in Prescot
As a key part of the legal work for a property purchase, a Prescot conveyancing solicitor will look into the title of the property and report back to the buyer and the lender.
Once their enquiries are complete the conveyancer will offer suggestions and advice and will assist in resolving any issues and make sure that the title is registered in the name of the new buyer.
This article discusses the kinds of property that involve additional hazards for buyers who want conveyancing solicitors in Prescot.
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Your Prescot conveyancing solicitor must be lender-approved
Before you appoint a Prescot conveyancing solicitor, it is paramount that you confirm that they can act for your chosen lender, whether you are getting a mortgage from the Manchester Building Society, Barclays Bank or any other lender.
Most lenders will only accept a restricted panel of law firms that match certain criteria. If a solicitor cannot act for your chosen lender, the lender will probably need an alternative law firm to act in their interests.
The borrower will be expected to pay this second solicitor's fees and significant delays to your move could occur.
Our conveyancing solicitors can act on behalf of all banks and other lenders.
- Lloyds Bank
- Barclays Bank
- HSBC Bank
- The Royal Bank of Scotland
- Santander Bank
- Nationwide Building Society
- Halifax Bank
- All UK lenders
Searches (Knowsley Metropolitan Borough Council)
Property searches are enquiries made of government bodies by Prescot conveyancing solicitors to identify issues affecting the property being purchased. They include:
|Local Authority (LA) search||reveals issues like whether the adjoining road and pavement are publicly maintained|
|Environmental search||reveals contaminated land, landfill sites and flooding or subsidence within 500m of the property.|
|Drainage & Water search||identifies the location of sewers and water mains, and will confirm whether these are maintained by the local council.|
|Chancel repair liability||some Prescot property may still owe a liability to the local parish for repairs. Insurance can be taken out to protect against this risk.|
More specific searches, such as a highways search or a more detailed environmental report, may also be recommended in the initial search results.
Property purchasers can expect to wait up to 6 weeks for searches from Knowsley Metropolitan Borough Council, so faster personal searches will be preferred.
Checking planning permission status
Official Entries will also be ordered from the Land Registry by the purchaser's conveyancing solicitor. This will help to expose potential planning issues, such as the breach of a restrictive covenant or outbuildings lying outside the boundary.
Knowsley Metropolitan Borough Council Tax
Knowsley Metropolitan Borough calculate council tax on Prescot homes based on the number of occupants and the historic value of the property (as valued at 1 April 1991). E.g. the occupier of a Band D residential property in the Knowsley Metropolitan Borough area would pay annual council tax of £1,729.
Prescot conveyancing solicitors will inform the purchaser of the property's band once they are made aware.
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 £1,297.
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 properties awaiting grant of probate.
|Band||Knowsley Metropolitan Borough Tax (2018)|
Can I lower my band?To challenge your banding contact:
Valuation Office Agency
A homeowner can challenge the council tax band after moving in. Between April 2016 and April 2017, 20 council tax challenges were made. 10 saw a subsequent reduction.
Stamp Duty on Prescot properties
The buyer's conveyancing solicitor will ensure that the SDLT is correctly calculated and is paid to HMRC. This occurs once the property sale has completed.If your home costs more than £125k then you will have to pay stamp duty.
Quittance's specialist post-completion team will ensure that the required SDLT1 form is completed and submitted to HMRC without delay.
See table below for stamp duty examples for properties in Prescot:
|Average sale price (2017)||SDLT|
|Average price (detached)||£260,454||£3,022.70|
|Average new build||£99,084||£0.00|
Stamp duty relief for first-time buyers in Prescot
For first-time buyers, stamp duty is only payable on purchases over £300k.
Prescot conveyancing solicitors will ensure the right amount is calculated.
Buying a flat? Leasehold conveyancing in Prescot
Buying a leasehold house or flat is not as simple as purchasing a freehold home. Numerous legal issues could be lying in wait for the unsuspecting purchaser, such as:
- undisclosed major works
- doubling ground rents
- excessive freehold premiums
If you are planning to buy a leasehold property, a good conveyancing solicitor in Prescot will consider possible leasehold issues, e.g. ground rents and service charges, reserve funds and dealing with freeholders and managing agents.
Make sure that you are aware of all the potential issues and costs associated with the lease thanks to our leasehold conveyancing solicitors.
Buying a 'New Build' property in Prescot?
The average price for Prescot new build properties is £99,084. 3 new build properties were purchased in Prescot last year.
A new-build conveyancing solicitor in Prescot will need to be familiar with both local Prescot considerations as well as the specific issues associated with new build, e.g. dealing with failures to arrange warranty provider inspections and administering Help to Buy purchases.
Our expert new build team provide an impartial view of the legal title of the house or apartment, scrutinising contract issues like unfair leasehold conditions and 'doubling' ground rent and service charges (where applicable).
Merseyside Conservation areas
Whether you are buying an 18th century stone cottage or a Victorian family home, if the house is in an officially designated conservation area, any planned alterations to the house may not be permitted by Knowsley Metropolitan Borough.
These restrictions, called Article 4 Directions, may include anything from restrictions on replacing windows, to limits on the use of cladding.
If a property is in breach, the owner could be instructed to pay for the property to be changed back to the state it was in before the recent alterations, even if the changes were made by the previous owner.
Quittance's conveyancing solicitors will address whether the home you plan to buy is located in a conservation area in Prescot.
Conveyancing - Selling a property in Prescot
The conveyancing process on a house sale is normally less troublesome than when buying. During the sale of a house or flat, the onus is on the buyer to make sure that the home they are buying is mortgageable and free from legal issues.
Conversely, when selling, conveyancing solicitors in Prescot acting for the existing owner just answer questions set by the buyer's conveyancing solicitor.
Factors that could delay or endanger your home sale
Properties will frequently have many potential complications (e.g. problems with a party wall agreement or a boundary dispute) that have the capacity to prevent a purchase from completing on time.
Don't bury your head in the sand as solicitors are trained to unearth any such issues. Instead, get legal advice and tackle it promptly.
- What to do before selling your 'share of freehold' flat
- Japanese Knotweed? What to do before selling your home
- The Essential Conveyancing Guide for Sellers in 2018
Read more conveyancing advice for sellers.
Leasehold conveyancing for a sale
The conveyancing process for a leasehold property is much more time-consuming than for a more straightforward freehold house.
The complexities of leasehold mean conveyancing solicitors in Prescot must undertake additional tasks. This can involve obtaining all relevant freeholder information or details of any consents for alterations.
Sellers are advised to appoint a conveyancer as soon as is practicable to mitigate predictable leasehold delays.
Can Quittance conveyancers act for both parties?
Solicitors Regulation Authority rules prevent a single conveyancing solicitor from acting on both sides in a property sale. Conveyancers who are regulated by the CLC, however, can act for both the buyer and the seller.
If you are buying or selling a home in Prescot, and a Quittance solicitor is acting for the other side, you could instruct a property solicitor firm in Prescot to undertake your conveyancing.
Local Prescot conveyancing solicitor directory
- I E Legal Solicitors Limited, 20 Eccleston Street, Prescot, L34 5QE
- Tickle Hall Cross Limited, 2 Derby Street, Prescot, Merseyside, L34 3LJ
- Pure Legal Limited, Building 9, Kings Drive, Kings Business Park, Prescot, Merseyside, L34 1PJ
- Slater and Gordon UK Limited, Compass House, Kings Drive, Kings Business Park, Prescott, Merseyside, L34 1PJ
- Hogans Solicitors Limited, 10 Station Street, Rainhill, Prescot, Merseyside, L35 0LP
Conveyancing - Remortgaging a property in Prescot
The main reason homeowners remortgage a home is to save money with a lower rate. Other reasons to think about remortgaging include consolidating loan repayments, or getting onto a longer fixed-rate term.
A good conveyancing solicitor in Prescot can reduce the remortgage processing time, helping you get onto the lower rate earlier. With future interest rate changes hard to predict, fast conveyancing can be a contributing factor to getting onto your new rate as quickly as possible.
It is important that the property lawyer undertaking the legal work is also able to act for your chosen mortgage provider. Our conveyancing team are on the panel for all major lenders. So no matter whether you are moving to a fixed-rate mortgage with Birmingham Midshires or to a variable-rate mortgage with the Swansea Building Society, we 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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