Updated: October 12, 2018

South Woodham Ferrers conveyancing solicitor fees and costs

No Move, No Fee conveyancing in South Woodham Ferrers

Conveyancing solicitor fees are the amounts you pay to conveyancing solicitors in South Woodham Ferrers for carrying out the legal work for a property transaction.

How are South Woodham Ferrers conveyancing fees calculated?

Our solicitors work on fixed legal fees (known as 'No Sale, No Fee' or 'No Move, No Fee') with no unexpected, additional costs, unlike some other conveyancing solicitors in South Woodham Ferrers who will work on an hourly-rate basis. Your conveyancing quote will explain what fees you will need to pay when your sale or purchase goes through.

Besides conveyancing fees, what other costs are there?

In addition to the legal fees you will also need to budget for 'disbursements'.

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 local authority searches or managing agent information.

See: How much should conveyancing fees cost?

How much will the total South Woodham Ferrers solicitor conveyancing fees be?

Conveyancing fees in South Woodham Ferrers will be the same as anywhere else in the country. However, there may be some variation in certain disbursements. For example, Local Authority Search fees can vary and additional region-specific searches, e.g. a commons registration search, may be needed.

For a standard sale or purchase, the conveyancing fee we quote is the fee you pay. With Quittance Conveyancing, there are absolutely no hidden costs. To calculate your conveyancing fees, try our conveyancing fees quote calculator: Click here

Quittance's conveyancing fees were considerably cheaper than the Estate Agent's recommended solicitor's fees

Conveyancing - Buying a property in South Woodham Ferrers

In carrying out the legal work for a homebuyer, a conveyancing solicitor in South Woodham Ferrers will carry out due diligence on the tenure and investigate the title of the property and report back to the purchaser and the mortgage lender (if applicable).

The conveyancer will offer suggestions and advice once their enquiries are complete, deal with any legal issues and register the title in the new owner's name.

The following section discusses the aspects of the legal process for conveyancing solicitors in South Woodham Ferrers where greater expertise is useful.

Your South Woodham Ferrers conveyancing solicitor must be lender-approved

Irrespective of whether your mortgage is with a less common mortgage lender like the Monmouthshire Building Society or a large lender such as the Nationwide Building Society, before instructing a conveyancing solicitor in South Woodham Ferrers it is vital that you check that they can act on behalf of your mortgage lender.

The majority of mortgage lenders will only accept a restricted panel of solicitors or licensed conveyancers that meet strict criteria. If your conveyancer is unable to act for your mortgage lender, the lender will probably need a second solicitor firm to act in their interests.

The buyer will be expected to pay this second solicitor's fees, and weeks could be added to the conveyancing process.

Your property purchase can be seriously delayed if you fail to check your conveyancing solicitor's lender panel status.

Our conveyancing solicitors are on the panel of all mortgage providers.

Searches (Chelmsford Borough Council)

Property searches (sometimes referred to as 'conveyancing searches') are carried out by South Woodham Ferrers conveyancing solicitors to expose any wider issues that could affect the value of the property you intend to buy.

Searches are firstly carried out to satisfy the conditions of the lender. These will include the local authority (LA) search, environmental search, drainage & water search and chancel repair liability.

Additional searches, such as a highways authority search or a disadvantaged area search, may also be advised subject to the outcome of the initial searches.

The estimated turnaround time for Residential property searches from Chelmsford Borough Council is 6 weeks, so it will be worthwhile to use a quicker private search company.

Planning searches

Official Entries (or 'office copies') will also be obtained from HM Land Registry by your conveyancing solicitor, helping to identify any potential issues. These issues could include outbuildings missing from the title plan or limits on the development of the property.

Chelmsford Borough Council Council Tax

The amount of council tax a homeowner in South Woodham Ferrers will pay to Chelmsford Borough Council will depend on the property's value and the number of residents. For instance for an average Tax Band C residential property in South Woodham Ferrers, the council tax payable would be £1,500.

A conveyancing solicitor in South Woodham Ferrers will inform a buyer of the property's 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 (25%) would reduce the tax due to £1,125.

Other discounts and exemptions could also apply, for example unoccupied properties undergoing major repairs or structural changes or where an inhabitant is an 18 year old for whom child benefit is payable. A house or flat built after 1991 is assessed by the Valuation Office Agency (VOA).

Band Chelmsford Borough Council Tax (2018)
A £1,125
B £1,313
C £1,500
D £1,688
E £2,063
F £2,438
G £2,813
H £3,376

Are you about you buy a home in the wrong council tax band?

The Valuation Office Agency should reassess a property's band on request. To challenge your banding contact:

Valuation Office Agency
London House
New London Rd
Chelmsford
CM2 0QL
Essex

Stamp Duty on South Woodham Ferrers properties

Completing the SDLT1 form yourself is complicated and not for the inexperienced.

The current Stamp Duty Land Tax threshold for residential properties is £125,000.

Quittance's case management system integrates with online SDLT filing systems to ensure that the Stamp Duty Land Tax is paid in full quickly.

See examples for typical local properties:

  Average selling price (2018 to date) Stamp Duty Land Tax
Average price £344,703 £7,235.15
Average price (detached) £481,104 £14,055.20
Average new build £376,711 £8,835.55
Since 1st April 2016, buyers of second homes are subject to a stamp duty surcharge of 3%, even if the property is not rented out. E.g. if a second home was bought for £344,703 then the SDLT including the surcharge would be £27,576.24. .

Stamp duty relief for first-time buyers in South Woodham Ferrers

For first-time buyers, stamp duty is only payable on purchases over £300,000.

South Woodham Ferrers conveyancing solicitors should ensure their client pays the right amount.

Buying a flat? Leasehold conveyancing in South Woodham Ferrers

New build site

Purchasing a leasehold property without knowing what you are getting into can be risky. The many potential problems lying in wait for the unsuspecting purchaser can include sub-letting restrictions, costly and undisclosed major works and spiralling ground rents.

Inaccurate leasehold advice, from a conveyancing solicitor with little specialist experience, could lead to serious consequences.

If you are planning to buy a leasehold home, a experienced conveyancing solicitor in South Woodham Ferrers will consider possible leasehold issues, such as :

  • reviewing the lease
  • dealing with freeholders
  • current-year service charge estimates
  • proposed major works (Section 20 notices)

Make sure that you are aware of all the potential issues and costs associated with the lease - Call Quittance Conveyancing's leasehold conveyancing solicitors on 0800 612 0377.

Buying a 'New Build' property in South Woodham Ferrers?

House under construction

97 newly-constructed homes have been bought in South Woodham Ferrers in 2018 so far, according to local information gathered by the HM Land Registry. The average value of South Woodham Ferrers new build homes is £376,711.

The legal work for buying a new build home is more involved than any other type of conveyancing. To prevent difficulties arising a South Woodham Ferrers conveyancing solicitor must be aware of local South Woodham Ferrers factors and should check a range of issues, including handling unreasonable delays and ensuring new estate roads are adopted.

Our specialist team of new build conveyancers deliver an expert appraisal of the legal title of the house or flat, with close attention paid to factors ranging from onerous leasehold conditions to 'doubling' ground rent and service charges (where applicable).

Essex Conservation areas

When carrying out the conveyancing for a purchase in South Woodham Ferrers, a conveyancing solicitor will confirm whether the residential property is in a conservation area in South Woodham Ferrers. If it is, the property is affected by conditions. These conditions, called Article 4 Directions, may include:

  • Limits on the use of non-traditional building materials
  • A ban on uPVC window frames
  • Restrictions on outbuildings and extensions

If a property is in breach, you could be legally required (as the new owner) to pay for returning the property to a compliant state, even where the alterations were made by the previous owner.

Your conveyancing solicitor will confirm whether the property you are buying is located in one of South Woodham Ferrers's conservation areas.

Conveyancing - Selling a property in South Woodham Ferrers

The legal work involved in a property sale usually requires less work than when purchasing. When a house or flat changes hands, the burden lies with the purchaser to make sure that the property they are purchasing does not have any legal issues.

With a sale, conveyancing solicitors in South Woodham Ferrers acting for the person selling just answer the buyer's solicitor's formal enquiries.

What could put the sale of your property at risk?

Common obstacles, like previous or historic subsidence or where the property differs from the title plan, can endanger the sale conveyancing process if they are ignored.

Property experts will generally suggest to vendors that they tackle these issues head on.

Useful reading:

Read more sale conveyancing articles here.

Sale conveyancing for a leasehold property

The legal work for a leasehold property is quite a lot more time-consuming compared to a freehold house.

Leasehold complexity involves additional legal work on the part of conveyancing solicitors in South Woodham Ferrers, for example requesting all relevant freeholder information, through to a copy of any required license to assign.

It is recommended that the seller instructs a leasehold expert as soon as possible to ensure the legal technicalities are handled correctly.

What if you are acting for the other side?

Conveyancers regulated by the Council for Licenced Conveyancers can act for both the buyer and the seller. However, SRA rules restrict the same solicitor from working on behalf of both sides in a property sale.

You can contact a property solicitor firm in South Woodham Ferrers to handle your legal work, if a Quittance conveyancing solicitor is doing the legal work for the other side.

Local South Woodham Ferrers conveyancing solicitor directory

  • Palmers, Prospect House, Brickfields Road, South Woodham Ferrers, Chelmsford, Essex, CM3 5XB
  • St Solicitors LLP, 8-10 Heralds Way, South Woodham Ferrers, Chelmsford, Essex, CM3 5TQ
  • Harvey Copping & Harrison LLP, 6 Chandlers Way, South Woodham Ferrers, Chelmsford, Essex, CM3 5TB

Conveyancing - Remortgaging a property in South Woodham Ferrers

By far the most common reason homeowners remortgage a home is to save money with a lower rate. Other reasons to consider remortgaging include consolidating debts, or getting onto a longer fixed-rate term.

An efficient conveyancing solicitor in South Woodham Ferrers can reduce the remortgage processing time, helping you get onto the lower rate earlier. With the base rate now at 0.5% (May 2018), fast conveyancing can be a key consideration when securing the rate you want.

Your property lawyer must also be able to act on behalf of the new mortgage provider. Quittance Conveyancing are on all major UK lenders' panels, so no matter whether you are moving to a variable-rate with RBS or to a two-year discount with the Bank of Ireland, our remortgage team can assist.

Gaynor Haliday, Legal researcher

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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