Award-winning No Move, No Fee conveyancing for Rugby 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 Rugby, our award-winning no sale - no fee property lawyers are here to help.
Quittance Conveyancing offer guaranteed fixed conveyancing fees, and you will never be in the dark about the legal side of your move, thanks to our commitment to proactive communication between all parties.
If, for any reason at all, your property sale or purchase does not ultimately go ahead our no move no fee guarantee means you won't have to pay any conveyancing solicitors' fees.
Rugby's most communicative conveyancing service
According to a survey over 200,000 home buyers carried out by Modern Law Magazine, 22% of conveyancing complaints related to poor communication.
The client charters of both the Law Society's 'Conveyancing Quality Scheme' and the CLC are heavily focussed on improving conveyancing solicitor communication.
Even so, a Conveyancing Association-commissioned survey suggested that one quarter of property purchases fail as the result of poor communication.
Keeping you informed
Quittance Conveyancing's team of Rugby conveyancing solicitors provide the most communicative and client-friendly property legal service in the UK. We strive to provide you with the answers you need wherever you are, using the contact method of your choice:
- Cheapest Rugby conveyancing solicitors fees
- Your dedicated conveyancer's direct line and contact details
- Handy, mobile-friendly technology to track your case
- Regular case updates via SMS, phone and email
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Updated: October 12, 2018
Rugby conveyancing solicitor fees
No Move, No Fee conveyancing in Rugby
Conveyancing solicitor fees are the costs you pay conveyancing solicitors in Rugby for the legal work involved in moving home.
Are Rugby conveyancing fees and costs fixed?
Some conveyancing solicitors in Rugby work on an hourly rate, whereas others work on a fixed fee (or 'No Move, No Fee'). Our conveyancing solicitors work on a guaranteed fixed conveyancing fee basis, with no hidden costs. Your quote explains all fees and other costs you will be charged when your sale or purchase completes.
Besides conveyancing fees, what other costs are there?
You will have to pay any 'disbursements', in addition to the legal 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 leasehold information packs or Land Registry fees.
How much will conveyancing in Rugby cost in total?
Rugby conveyancing fees will not vary. There may, however, be some variation in certain disbursements. For example, additional region-specific searches, e.g. a commons registration search, may be needed and Local Authority (LA) Search fees will vary.
For a standard conveyancing transaction, what we quote is the fee you pay. There are no hidden costs or surprises to be paid with Quittance Conveyancing. To calculate your conveyancing fees, try our conveyancing fees quote calculator: Click here
Conveyancing - Buying a property in Rugby
Purchase conveyancing will require the Rugby conveyancing solicitor to consider a wide range of issues. Examples of such issues are a defective title (e.g. breached restrictive covenants) and problems affecting the mortgageability (e.g. mixed-use issues).
The solicitor will feed the results of their enquiries back to the purchaser and their lender, offer practical solutions and register the title in the new owner's name.
This section of the article discusses the types of residential property which may be of interest to homebuyers searching for conveyancing solicitors in Rugby.
- Conveyancing solicitors in Daventry
- Conveyancing solicitors in Leamington Spa
- Conveyancing solicitors in Lutterworth
- Conveyancing solicitors in Northampton
- Conveyancing solicitors in Nuneaton
- Conveyancing solicitors in Warwick
- Conveyancing solicitors in Warwickshire
Your Rugby conveyancing solicitor must be lender-approved
Before you choose a Rugby conveyancing solicitor, you must confirm that they are on the panel of your chosen lender, whether you are taking out a mortgage from GE Money Home Lending, Birmingham Midshires or any other lender.
Some mortgage lenders will only work with a selected list (known as a 'panel') of firms that meet stringent standards. If a solicitor can't act for your chosen lender, the lender will require a different solicitor firm to complete the legal work.
The borrower will usually need to pay this alternate lawyer's costs and the conveyancing process could take much longer.
Quittance Conveyancing can act on behalf 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
Rugby Borough Council searches and other searches
Residential property searches are submitted by Rugby conveyancing solicitors to help identify issues that might affect how much your house or flat is worth.
These searches include the local authority (LA) search, drainage & water search, environmental search and chancel repair liability.
More specialised searches, such as a Crossrail search or an agricultural search, may also be advised in the standard searches.
Rugby Borough Council has a typical lead time of 6 weeks for searches, so faster personal searches will be preferred.
Official Entries (or 'office copies') will also be obtained from HMLR by your conveyancing solicitor, assisting with the identification of planning issues. These issues could include outbuildings missing from the title plan or restrictive covenants governing the use of the property.
Rugby Borough Council Council Tax
Rugby Borough Council calculate your council tax based on a variety of factors including the size of the property and the assessed value of the property in April 1991. E.g. the occupier of a Valuation Band D property in the Rugby Borough Council area would pay annual council tax of £1,773.
Rugby conveyancing solicitors will inform the buyer of the home's council tax band once they are made aware.
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 reduces the tax due to 75% which would equal £1,330.
Other discounts and exemptions could 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 you are a live in carer looking after someone who isn't a spouse or relative. A house or flat built after 1991 is assessed and given a council tax band by the Valuation Office Agency (VOA).
|Band||Rugby Borough Council Tax (2018)|
Does anyone ever challenge their valuation?
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. To appeal contact:
Valuation Office Agency
Manor House Drive
Stamp Duty on Rugby properties
If a home is valued at over £125,000, the property purchaser usually must pay stamp duty.
The vast majority of people will have their conveyancing solicitor complete the SDLT1 return on their behalf.
Quittance Conveyancing's case management system ensures that the complex SDLT1 form is filed online to reduce delays and to avoid late-filing penalties.
See examples for Rugby properties:
|Average selling price (February 2018)||Stamp Duty|
|Average price (detached)||£385,384||£9,269.20|
|Average new build||£374,995||£8,749.75|
Stamp duty relief for first-time buyers in Rugby
Since the budget announcement in 11/17, if you are a first-time buyer, you only pay stamp duty on property valued at over £300,000.
Rugby conveyancing solicitors should ensure their client pays the right amount.
Buying a flat? Leasehold conveyancing in Rugby
It is rarely a good idea to buy a leasehold property if you are unaware of the facts. The many potential problems awaiting an uninformed buyer include sub-letting restrictions, unpaid service charges by the existing leaseholder and spiralling ground rents.
A good conveyancing solicitor in Rugby will consider possible leasehold issues, such as dealing with freeholders, reviewing the lease and the implications of the remaining length of the lease.
Ensure that you are fully-informed regarding your planned purchase with our specialist leasehold conveyancing solicitors.
Buying a 'New Build' property in Rugby?
According to HM Land Registry data, the average value of Rugby new build homes is £348,995. 5 newly-constructed homes have been bought in Rugby in 2018 so far.
A new-build conveyancing solicitor in Rugby must be well-versed in Rugby-specific considerations and the extra complexities of new build, like handling unreasonable delays, investigating issues with drains and roads that serve the property and registering ownership with warranty providers, including NHBC Buildmark, LABC New Home Warranty and Ark Residential.
Our conveyancing team specialise in working to tight developer deadlines and representing buyers to achieve the best outcome.
Conservation areas in Warwickshire
Your conveyancing solicitor will confirm whether the home you are planning to buy is in one of Rugby's conservation areas. If it is, the house is affected by constraints. These building controls may include restrictions on painting external walls, restrictions on side or 2 storey extensions or general restrictions governing the use of non-traditional materials.
The local planning authority can order any non-compliant alterations to a property to be changed or removed.
Conservation areas in Rugby include Bilton, Dunchurch and Clifton Road. Your Quittance conveyancing solicitor will confirm if the property you are purchasing is located in a conservation area in Rugby.
Conveyancing - Selling a property in Rugby
The legal side of a property sale is much easier than for a purchase. The buyer's conveyancing solicitor conducts detailed research into the property. Conveyancing solicitors in Rugby acting for the vendor mostly just answers the purchaser's enquiries.
What could jeopardise the process?
Hurdles, like restrictions on how you can use the property or being situated on a flood plain, can potentially slow or frustrate a sale if not dealt with promptly.
Property experts will generally recommend that sellers handle any such problems without delay.
- No electrical completion certificate? What to do before selling your home
- The Essential Conveyancing Guide for Sellers in 2018
- Selling a leasehold flat? What to do before going on the market
Read more helpful advice for sellers here.
Leasehold conveyancing for a sale
The conveyancing process for a leasehold flat is much more technical than for a more straightforward freehold house.
Conveyancing solicitors in Rugby will also carry out additional work, and this could include getting all relevant freeholder information, through to a copy of the lease.
So as to resolve any leasehold-related problems sooner, it is highly recommended that the seller instruct a property lawyer as early in the process as possible, ideally before putting the property on the market,.
Can Quittance conveyancers act for the buyer and the vendor of the same home?
CLC-regulated conveyancers can act for both parties. However, SRA regulations restrict a single conveyancing solicitor from acting on both sides in a house sale.
You may wish to contact a law firm in Rugby to undertake your legal work, if one of our conveyancing solicitors is carrying out the legal work for the other side.
Local Rugby conveyancing solicitor directory
- Brethertons LLP, Montague House, 2 Clifton Road, Rugby, Warwickshire, CV21 3PX
- Cemex UK Services Limited, Cemex House, Evreux Way, Rugby, Warwickshire, CV21 2DT
- Fullers, 24 Albert Street, Rugby, Warwickshire, CV21 2RT
- Johns Gilbert & Frankton LLP, 3 Regent Place, Rugby, Warwickshire, CV21 2PJ
- Kundert Solicitors LLP, 26 Regent Street, Rugby, Warwickshire, CV21 2PS
Conveyancing - Remortgaging a property in Rugby
By far the most common reason homeowners remortgage is to secure a better rate of interest. There are also any number of other reasons to think about remortgaging, including wanting to borrow more, or fixing the mortgage on a new discounted rate.
Homeowners should be able to enjoy a better rate earlier with a more efficient conveyancing solicitor in Rugby. With the base rate now at 0.5% (May 2018) and future interest rate changes hard to predict, fast conveyancing can play a key role in getting onto your new rate as quickly as possible.
To certify that the lender's interests are protected, a property lawyer will act for both you and your new lender.
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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