Award-winning No Move, No Fee conveyancing for Sefton home movers
By Gaynor Haliday, Legal researcher
Updated: October 12, 2018
Whether you are buying, selling or remortgaging a house or flat, and need conveyancing solicitors in Sefton, Quittance Conveyancing's no sale, no fee property lawyers can assist.
Quittance focus on communication so you always know what's happening and our guaranteed fixed conveyancing fees service means no nasty suprises.
If, for whatever reason, your property sale or purchase does not proceed our no sale no fee guarantee means you will not have to pay any conveyancing solicitors' legal fees.
Sefton's most communicative conveyancing service
According to Veyo market research, 29% of the respondents reported that they were not kept up to speed by the [solicitor].
Conveyancing solicitor communication is so essential for a fast move that the Council for Licensed Conveyancers (CLC) Client Charter makes specific mention of resolving the issue.
Despite focus from the Solicitors Regulation Authority, poor communication remains one of the top 5 reasons complaints are made by buyers and sellers.
Our Sefton conveyancing solicitors aim to provide you with a dedicated and proactive property legal service by email, phone and online, every day of the week:
- Lowest Sefton conveyancing solicitor fees
- Personal extension numbers for your conveyancer
- Real-time progress updates by your preferred contact method (including SMS, phone and email)
- 24/7 access to your complete case online
- Open Mon to Thurs 9am-8pm & Fri 9am-6pm
- Open Saturdays
Updated: October 12, 2018
Sefton conveyancing solicitor fees and costs
No Move, No Fee conveyancing in Sefton
Conveyancing solicitor fees are the amounts you pay to conveyancing solicitors in Sefton for handling the legal work for your move.
Do Sefton conveyancing solicitors work on a fixed fee basis?
Our conveyancers work on a No Sale, No Fee basis with no unexpected, additional costs, unlike some other conveyancing solicitors in Sefton who work on a price per hour basis. Your quote will set out exactly what you will be charged when your sale or purchase goes through.
Are there any other costs?
In addition to the legal fees you will also need to budget for 'disbursements'.
Disbursements are fees, costs or taxes that your property solicitor will have to pay to third parties on behalf of their client. These include costs like leasehold information packs or bankruptcy searches.
How much will the total Sefton solicitor conveyancing fees be?
Sefton conveyancing fees will not vary, wherever you are buying or selling in the UK. However, the costs of certain disbursements can vary. As examples, additional region-specific searches, such as utilities searches, may be needed and council search fees will vary.
For a standard sale or purchase, the fees we quote are the fees you pay. With Quittance Conveyancing, there are absolutely no hidden costs. Work out the conveyancing fees for your move, with our conveyancing calculator: Click here
Conveyancing - Buying a property in Sefton
The Metropolitan Borough of Sefton is in Merseyside and was formed by the amalgamation of the county boroughs of Bootle and Southport, the municipal borough of Crosby, the urban districts of Formby and Litherland, and part of West Lancashire Rural District.
Its western area is bounded by the 22 miles of beautiful coastline between Bootle and Southport and it extends southwards to Liverpool and eastwards towards Knowsley and Aintree.
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Conveyancing for purchasers
Recent changes to the law mean that a seller is obliged to reveal any property defects or disputes to the buyer.
It is, however, still the duty of a conveyancing solicitor in Sefton to make enquiries about the property, make their "report on title", iron out any legal issues and register the title in the new owner's name.
The following discusses the aspects of the legal process for conveyancing solicitors in Sefton where a deeper understanding of the legal technicalities is critical.
Your Sefton conveyancing solicitor must be lender-approved
Before selecting a conveyancing solicitor in Sefton, it is paramount that you confirm that they can represent your chosen lender, whether you are taking out a mortgage from Barclays Bank, the Coventry Building Society or any other lender.
Your lawyer may not be able to carry out the legal work for your chosen lender, because some mortgage lenders only accept a selected list (known as a 'panel') of firms that meet stringent standards.
In this case, the lender will probably need a second firm to complete the legal work, and you will usually need to pay this second solicitor's costs. Handling paperwork and correspondence with this additional party can delay the process.
Quittance Conveyancing are approved to act for all lenders.
- Lloyds Bank
- Barclays Bank
- HSBC Bank
- The Royal Bank of Scotland
- Santander Bank
- Nationwide Building Society
- Halifax Bank
- All UK lenders
Sefton Metropolitan Borough Council searches and other searches
Residential property searches are questions asked of various bodies by Sefton conveyancing solicitors to help uncover relevant information about your new home. They include:
- Local Authority search - includes the LLC1 and CON29 which includes whether there is a certificate of compliance for replacement windows
- Drainage & Water search - includes the position of water mains and sewers, and whether the local authority is responsible for their maintenance.
- Environmental search - environmental issues that could adversely affect the property
- Chancel repair liability - insurance is arranged to protect the buyer against any liability for local parish church repairs.
You will be told if your chosen lender wants any additional searches, e.g. a tin mining search or a more detailed plan search.
Buyers can expect to wait roughly 4 weeks for searches ordered from Sefton Metropolitan Borough Council. As a result, quicker regulated searches will be recommended.
Ensuring planning permission is in place
The buyer's conveyancing solicitor will obtain office copies from HMLR, assisting with the identification of any issues. These issues could include errors on the title plan or restrictive covenants governing the use of the property.
Sefton Metropolitan Borough Council Council Tax
The amount of council tax a homeowner in Sefton will pay to Sefton Metropolitan Borough Council will depend on the property's value and the number of residents. For instance for an average Tax Band D house in Sefton, the tax would be £1,792.
Sefton conveyancing solicitors will inform a buyer of the property's band once 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 reduces the tax due to 75% which would equal £1,344.
Other discounts and exemptions could also apply, for example unoccupied properties undergoing major repairs or structural changes or for spouses of students who are not British. Property built after 1991 is assessed by the Valuation Office Agency.
|Band||Sefton Metropolitan Borough Council Tax (2018)|
Does anyone ever challenge their valuation?Contact the VOA for more information on how to challenge your tax band:
Valuation Office Agency
It is possible to challenge the council tax band after moving in. Between April 2016 and April 2017, 50 council tax challenges were made. 10 were upheld and the tax was reduced.
Stamp Duty on Sefton properties
The vast majority of people will have their conveyancing solicitor complete the SDLT1 return on their behalf.Stamp duty is a percentage of the purchase price of a property paid by the buyer to Her Majesty's Revenue and Customs (HMRC). It is due on properties bought for over £125,000.
Quittance is able to administer the stamp duty process faster and more efficiently than ever, using integrated online systems.
See table below for SDLT examples for homes in Sefton:
|Average sale price (2017)||SDLT|
|Average price (detached)||£340,153||£7,007.65|
|Average new build||£212,241||£1,744.82|
Stamp duty relief for first-time buyers in Sefton
Relief is available on home purchases below £300k for first-time buyers with reduced rates up to £500,000.
Conveyancing solicitors in Sefton should confirm the right amount is calculated.
Buying a flat? Leasehold conveyancing in Sefton
The risks associated with leasehold property ownership are a source of concern for leasehold home buyers. There are any number of potential traps that may be awaiting the unsuspecting purchaser, such as freeholds sold without first refusal to leaseholders, increasing ground rents and reversionary interests.
If you are planning to purchase a property with a lease, a specialist conveyancing solicitor in Sefton will consider potential leasehold issues, such as share of freehold complexity, ground rents and service charges and sometimes ancient and arcane lease documents.
Ensure that you are fully-informed regarding your planned purchase thanks to our specialist leasehold conveyancing solicitors.
Buying a 'New Build' property in Sefton?
5 brand new homes have been bought in Sefton in 2018 so far, according to data gathered by Her Majesty's Land Registry. The average cost of a new build property in Sefton is £226,109.
A new-build conveyancing solicitor in Sefton must be familiar with local Sefton factors and the complications associated with new build, like dealing with delays associated with off-plan and confirming right of way over drains and sewers.
With Quittance Conveyancing, you will get an expert assessment of the legal title of the property, whilst being mindful of considerations ranging from unfair leasehold conditions to excessive ground rent and service charges (where applicable).
When acting for the purchaser of a property in Sefton, a conveyancing solicitor will confirm whether the house is in one of Sefton's conservation areas. If it is, the house will be affected by certain constraints. Referred to as Article 4 directions, these constraints could include:
- Possible restrictions on solar panel positioning
- Restrictions on the use of external insulation
- Limits on extensions (even if within Permitted Development rights)
If a property is in breach, the owner could be required by law 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.
Conservation areas in Sefton include Promenade, Crosby Hall and Green Lane. Your Quittance conveyancing solicitor will confirm if the property you are purchasing is located in a conservation area in Sefton.
Conveyancing - Selling a property in Sefton
Conveyancing for a house sale is more straightforward than when purchasing. During the sale of a house or flat, the principle of 'buyer beware' means that the onus lies with the purchaser to satisfy themselves that the property is mortgageable and is (or can be) registered at the Land Registry.
In contrast, for a sale, conveyancing solicitors in Sefton acting for the vendor effectively just answer questions set by the buyer's conveyancing solicitor.
What factors could threaten your sale?
Common obstacles, like not having permission for alterations when in a conservation area, can significantly protract the sale process.
You shouldn't bury your head in the sand, hoping the issue will fix itself. The best course of action is to talk to a professional and work to resolve it as quickly as possible.
- The Essential Conveyancing Guide for Sellers in 2018
- Subsidence? What to do before selling your home
- No electrical completion certificate? What to do before selling your home
For more conveyancing advice for sellers click here.
The conveyancing process for a leasehold property is a great deal more technical than for a freehold house.
Sefton conveyancing solicitors will also perform extra work. This can involve obtaining the latest service charge and ground rent statement, through to any information about regulations affecting the property that are not in the lease.
It is highly recommended that you instruct a lawyer as soon as the property is marketed, if not before, to reduce the impact of any leasehold-caused issues.
What if Quittance is already acting for the other side?
Solicitors Regulation Authority rules restrict the same conveyancing solicitor from acting on both sides in a house sale. A conveyancer who is regulated by the CLC, however, can act for both sides.
If you are buying or selling a property in Sefton, and a Quittance solicitor is doing the legal work for the other side, you can contact a local Sefton conveyancing solicitor firm to carry out your legal work.0
Conveyancing - Remortgaging a property in Sefton
Saving money on a lower interest rate is usually why people decide to remortgage. There are other reasons, such as moving from a tracker to a fixed-rate, or releasing funds to help kids get on the property ladder.
You can benefit from a lower rate faster with a more efficient conveyancing solicitor in Sefton. They will work to shorten the processing time of the legal work. With rate rises anticipated, fast conveyancing can be a contributing factor to getting onto your new rate as quickly as possible.
The property lawyer will need to act for both you and the mortgage lender to ensure the lender's interests are protected and that the new interest in the property is registered correctly.
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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