Award-winning No Move, No Fee conveyancing for Rayleigh home movers
By Gaynor Haliday , Oct 12, 2018
If you are buying, selling or remortgaging a house or flat and need conveyancing solicitors in Rayleigh, our award-winning No Sale, No Fee property lawyers are here to help.
We offer guaranteed fixed conveyancing fees, and our commitment to proactive communication between all parties means you will always be up to speed regarding the legal side of your move.
If, for any reason at all, your home move does not ultimately go ahead our no sale no fee guarantee means you will not have to pay any conveyancing solicitors' legal fees.
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Rayleigh's most communicative conveyancing service
According to a home owner poll conducted by the Law Society, 46% of those who participated suggested that poor communication caused delays to their move.
Conveyancing solicitor communication is of such importance for a fast move that the CLC Client Charter is aimed at the problem.
Nevertheless, a Conveyancing Association-commissioned survey showed 43191 of conveyancing transactions fall through due to delays caused by poor communication.
Keeping you in the loop
Our team of Rayleigh conveyancing solicitors provide an award-winning conveyancing service. We deliver to you the answers you require 7 days a week, using your preferred contact method:
- Lowest Rayleigh conveyancing solicitor fees
- Open Mon to Thurs 9am-8pm & Fri 9am-6pm
- We are open weekends - Saturday (9am-1pm)
- Your lawyer's email address and DDI
- Frequent updates by SMS, phone and email
- State of the art technology to track your case
Updated: October 12, 2018
Rayleigh conveyancing solicitor fees
No Move, No Fee conveyancing in Rayleigh
Conveyancing solicitor fees will be paid your Rayleigh conveyancing solicitor for the legal work for a home sale or purchase.
How are Rayleigh conveyancing fees calculated?
Some conveyancing solicitors in Rayleigh offer services on an hourly-rate basis, and other firms will work for a fixed fee ('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 fees. Your quote will set out all fees and other costs you will be charged when your sale or purchase completes.
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 the conveyancing solicitor will have to pay to other organisations as part of the house-buying and selling process. These include costs like leasehold information packs or Stamp Duty Land Tax.
How much will the total conveyancing fees in Rayleigh cost?
While conveyancing fees in Rayleigh will be the same as anywhere else in the UK, there can be variation in the disbursements required. As examples, additional region-specific searches, such as a flood plain search, may be needed and Local Authority Search fees can vary.
With Quittance Conveyancing, there are absolutely no hidden costs. For standard conveyancing transactions, what we quote is the fee you pay. Calculate the conveyancing fees for your move, with our conveyancing fees calculator: Click here
Conveyancing - Buying a property in Rayleigh
Recent changes to the law mean that a seller should disclose defects or disputes to the buyer.
That said, it remains the responsibility of a conveyancing solicitor in Rayleigh to carry out due diligence on the property, report back to the buyer and the lender, make practical suggestions and ensure the title is transferred to the new owner.
This section of the article examines the property types that may carry risks for people looking for conveyancing solicitors in Rayleigh for a purchase.
- Conveyancing solicitors in Basildon
- Conveyancing solicitors in Colchester
- Conveyancing solicitors in Thurrock
- Conveyancing solicitors in Essex
Your Rayleigh conveyancing solicitor must be lender-approved
Whether you are taking out a mortgage from Scottish Widows, Santander or any other lender, before appointing a Rayleigh conveyancing solicitor you need to check that they can act on behalf of your lender.
Some mortgage lenders will only work with a restricted panel of solicitors or licensed conveyancers that meet strict criteria. If your conveyancer is not on the panel of your lender, the lender will require a second legal firm to act in their interests.
The buyer will be expected to pay this second lawyer's fees and the conveyancing process could take much longer.
Quittance Conveyancing are on the panel of all mortgage providers.
- Lloyds Bank
- Barclays Bank
- HSBC Bank
- The Royal Bank of Scotland
- Santander Bank
- Nationwide Building Society
- Halifax Bank
- All UK lenders
Searches (Rochford District Council)
Property searches (sometimes referred to as 'conveyancing searches') are applied for by Rayleigh conveyancing solicitors to help identify any broader issues that might possibly undermine the value of your home. They include:
- Local Authority search - contains information about the property and surrounding area held by Rochford District Council
- Drainage & Water search - covers the location of water pipes and drains, and reveals if the upkeep for these falls on the owner or local council.
- Environmental search - identifies nearby landfill and contaminated land sites (within 500 metres), and if there has been any historic flooding or mining subsidence.
- Chancel repair liability - describes the insurance to protect against any liability owed by Rayleigh properties for local parish repairs.
More specialised searches, such as a tin mining search or a disadvantaged area search, may also be referred to in the standard search results.
Purchasers can expect a lead time of roughly 15 weeks for LA searches obtained from Rochford District Council. As a result, quicker regulated searches will be recommended.
Office copies will also be ordered from HMLR by your conveyancing solicitor. This will help to reveal any planning issues. Examples of these include errors on the title plan or right of access issues.
Rochford District Council Council Tax
The amount of council tax a homeowner in Rayleigh will pay to Rochford District Council will depend on the property's value and the number of residents. For example, for an average Tax Band C house in Rayleigh, the amount of council tax due would be £1,538.
Conveyancing solicitors in Rayleigh will inform the buyer of the home's council tax 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 £1,154.
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 if the property is occupied by someone who is seriously mentally impaired. A property built after 1991 is assessed and allocated a council tax banding by the Valuation Office Agency.
|Band||Rochford District Council Tax (2018)|
The Valuation Office Agency (VOA) should reassess a property's band on request. Contact the VOA for more information on how to challenge your tax band:
Valuation Office Agency
New London Rd
Stamp Duty on Rayleigh properties
The current Stamp Duty Land Tax threshold for residential properties is £125k. The purchaser's conveyancing solicitor will ensure that the Stamp Duty Land Tax is correctly calculated and is paid to HMRC. This occurs once the property sale has completed.
Quittance Conveyancing's case management system ensures that the hard to understand SDLT1 form is filed online to reduce delays and to avoid late-filing penalties.
See table below for Stamp Duty Land Tax examples for properties in Rayleigh:
|Average sale price (2017)||Stamp Duty Land Tax|
|Average price (detached)||£468,907||£13,445.35|
|Average new build||£420,950||£11,047.50|
Stamp duty relief for first-time buyers in Rayleigh
Since 2017, if you are a first-time buyer, you only pay stamp duty on property valued at over £300,000. Higher rates of SDLT apply to buyers of second home in the form of a stamp duty surcharge of 3%. For example, if a homeowner bought a second property in Rayleigh for the average price of £358,615 the SDLT would be £28,689.20.
Conveyancing solicitors in Rayleigh will confirm the right amount is calculated.
Buying a flat? Leasehold conveyancing in Rayleigh
Over 100,000 property owners in England face property leases with problematic lease conditions. The many potential traps awaiting the unsuspecting buyer could include absent freeholders, overpriced managing agent packs and ground rent multipliers.
If you intend to buy a leasehold property, a specialist conveyancing solicitor in Rayleigh will investigate aspects of the leasehold purchase, such as :
- reviewing the lease itself (some leases are over 100 years old)
- current-year service charge estimates
- managing agent or landlord enquiries
- onerous restrictions
- reserve funds
Make sure that you are fully-informed regarding your decision to buy a leasehold property - You can call our team of leasehold conveyancing solicitors today on 0800 612 0377.
Buying a 'New Build' property in Rayleigh?
The average cost of new build homes in Rayleigh is £420,950, according to information compiled by the HM Land Registry. 2 new build homes were purchased in Rayleigh last year.
A new-build conveyancing solicitor in Rayleigh must be aware of Rayleigh-specific issues and the extra complexities associated with new build, including spotting incomplete agreements for roads and sewers, investigating developer incentives and checking new build warranties with warranty providers, including NHBC Buildmark, Building Zone and ACHI/Vantage.
Our highly qualified new build team are specialists in helping new build purchasers obtain the best possible terms and meeting short developer deadlines.
Conservation areas in Essex
Your conveyancing solicitor will confirm whether the house you are going to buy is in one of Rayleigh's conservation areas. If it is, the house could be affected by specific conditions. These building controls could include:
- Limits on roof terraces
- Restrictions on dormer windows
- Requiring consent to alter doors and guttering
The local council can order any non-compliant alterations to a property to be changed or removed, such as replacing uPVC windows with traditional wooden frames.
Parts of Rayleigh lie within a Rochford LPA-governed conservation area. Your conveyancing solicitor will confirm whether the property you are buying is located in one of Rayleigh's conservation areas.
Conveyancing - Selling a property in Rayleigh
The conveyancing process on a sale of a home is less complicated than for a property purchase. With a property purchase, the principle of 'buyer beware' means that the onus lies with the purchaser to establish that the house or flat is legally sound.
On the other hand, when selling, conveyancing solicitors in Rayleigh acting for the vendor only need to answer enquiries made on behalf of the buyer.
What factors could threaten your sale?
Obstacles, such as a boundary dispute, can significantly derail the sale process if not handled appropriately.
In most cases, it is a good idea for vendors to face these issues head on and fix them.
- Dispute with a freeholder? What to do before selling your home
- The Essential Conveyancing Guide for Sellers in 2018
- Selling a Green Deal property? What you need to know
For more conveyancing advice for sellers click here.
Leasehold conveyancing for a sale
Conveyancing for a leasehold flat is quite a lot more difficult compared to a freehold house.
Rayleigh conveyancing solicitors must usually carry out further legal work, which could include requesting the latest service charge and ground rent statement, through to the memorandum of articles of association (if applicable).
It is recommended that you contact a leasehold expert 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?
A CLC-regulated conveyancer can act for both the buyer and the seller. However, Solicitors Regulation Authority rules prevent the same solicitor from working on behalf of both sides in a house sale and purchase.
If you are buying or selling a home in Rayleigh, and a Quittance solicitor is carrying out the legal work for the other side, you could contact a local Rayleigh conveyancing solicitor firm to handle your legal work.
Local Rayleigh conveyancing solicitor directory
- Btmk Solicitors Limited, Barringtons, Hockley Road, Rayleigh, Essex, SS6 8EH
- Rudds, 81a High Street, Rayleigh, Essex, SS6 7EJ
- Alan Simpson & Co, Mill Court, 19 London Hill, Rayleigh, Essex, SS6 7HW
- Esw Legal Limited, 172 High Street, Rayleigh, Essex, SS6 7BS
- Palmers, 105a High Street, Rayleigh, Essex, SS6 7QA
Conveyancing - Remortgaging a property in Rayleigh
People remortgage their home for a number of reasons, including the current mortgage deal coming to an end, or consolidating loan repayments. The main reason, however, is to secure a lower interest rate.
You will typically be able to benefit from a lower rate faster with a more efficient conveyancing solicitor in Rayleigh. With the base rate now at 0.5% (May 2018), fast conveyancing can be a key consideration when getting the mortgage rate you want.
It is crucial that the property lawyer handling your remortgage can act for the new bank or building society. Our conveyancing team are on all major UK lenders' panels, so no matter whether you are changing to an offset mortgage with the Co-operative Bank or to a discounted-rate mortgage with the Hinckley and Rugby 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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