Award-winning No Move, No Fee conveyancing for Tenterden home movers
By Gaynor Haliday, Legal researcher
Updated: October 12, 2018
Quittance focus on communication so you always know what's happening and our 100% fixed conveyancing fees service means no hidden costs.
Every year Quittance's property lawyers deliver a highly recommended no sale, no fee service to home buyers and sellers looking for conveyancing solicitors in Tenterden and throughout Kent.
If, for whatever reason, your sale or purchase does not ultimately go ahead our no sale no fee guarantee means you won't incur any conveyancing solicitors' legal fees at all.
Tenterden's most communicative conveyancing service
According to a Law Society survey, more than 45% of the respondents said that it was poor communication that unnecessarily delayed their home move.
Proactive conveyancing solicitor communication is so essential that the conveyancing industry regulator (the CLC) have a client charter which makes specific mention of resolving the issue.
Notwithstanding attempts by regulators to address the issue, a survey carried out by the Conveyancing Association indicated 43191 of property purchases collapsed as the result of inadequate communication.
Keeping you informed
Our team of Tenterden conveyancing solicitors aim to deliver the UK's most proactive and client-friendly conveyancing service. We strive to deliver to you the answers you need wherever you are, using the communication method of your choice:
- Best Tenterden conveyancing solicitors fees
- We are open weekends - Saturday (9am-1pm)
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- 24/7 access to your complete case online
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- Direct contact details of your conveyancer
Updated: October 12, 2018
Tenterden conveyancing solicitor fees
No Move, No Fee conveyancing in Tenterden
Conveyancing solicitor fees are what you pay to conveyancing solicitors in Tenterden for carrying out the legal work for a property transaction.
Do Tenterden conveyancing solicitors work on a fixed fee basis?
Our conveyancing solicitors work on fixed legal fees (known as 'No Sale, No Fee' or 'No Move, No Fee') with no nasty surprises in the small print, unlike some other conveyancing solicitors in Tenterden who offer services on a fees per hour basis. Your conveyancing quote will set out all fees and disbursements you will need to pay when your property transaction has completed.
What are disbursements?
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. These include costs like office copies and title plans or Stamp Duty Land Tax (SDLT).
How much will the total conveyancing fees in Tenterden cost?
Conveyancing solicitor fees in Tenterden should not vary, wherever you are buying or selling in the UK. There may, however, be some variation in certain disbursements. For example, council search fees will vary and additional region-specific searches, such as utilities searches, may be needed.
For a standard home sale or purchase, the conveyancing fee we quote is the fee you pay. There are no hidden costs or surprises to be paid with Quittance Conveyancing. Work out the conveyancing fees for your move, with our conveyancing calculator: Click here
Conveyancing - Buying a property in Tenterden
"Caveat emptor", or "buyer beware", was a fundamental principle of English property law. Following recent changes in the law, this maxim no longer applies. However, it is still the duty of a buyer's solicitor to undertake due diligence on the property to be purchased.
The conveyancing solicitor in Tenterden will offer professional advice after making their enquiries, make practical suggestions and ensure the title is transferred to the new owner.
This section discusses the kinds of residential property that carry additional risk for homebuyers who need conveyancing solicitors in Tenterden.
- Conveyancing solicitors in Dartford
- Conveyancing solicitors in Maidstone
- Conveyancing solicitors in Medway
- Conveyancing solicitors in Kent
Your Tenterden conveyancing solicitor must be lender-approved
Whether your mortgage is with a large lender like Barclays Bank or a less common lender such as Bluestone Mortgages, before appointing a Tenterden conveyancing solicitor you must confirm that they can represent your mortgage lender.
Some mortgage lenders are only happy to work with a restricted group of solicitors or licensed conveyancers that pass strict standards. If a solicitor cannot act for your mortgage lender, the lender will require an alternative solicitor firm to carry out the legal work.
The purchaser will usually need to pay this substitute lawyer's costs, and weeks could be added to the conveyancing process.
Our solicitors can perform the conveyancing for all lenders.
- Lloyds Bank
- Barclays Bank
- HSBC Bank
- The Royal Bank of Scotland
- Santander Bank
- Nationwide Building Society
- Halifax Bank
- All UK lenders
Searches (Ashford Borough Council)
Property searches are questions submitted to a number of authorities by Tenterden conveyancing solicitors to identify issues affecting the property being purchased. They include:
- Local Authority (LA) search - contains information about the property and surrounding area held by Ashford Borough Council
- Environmental search - describes hazards (such as historic flooding or mining subsidence) within 500m of the property. This search also identifies sites of contaminated land nearby.
- Drainage & Water search - confirms who is responsible for the upkeep of the water pipes and drainage that serve the property.
- Chancel repair liability - there is a risk that some Tenterden properties owe a liability to the local parish to pay for church repairs. Insurance can be taken out to protect against this liability.
More specific searches, such as a highways search or a geological search, may also be recommended depending on the contents of the standard searches.
Ashford Borough Council has a typical turnaround time of 6 weeks for Residential property searches, so your solicitor will instead apply for quicker personal searches.
Your conveyancing solicitor will obtain an 'Official Copy of the Title Register' from HM Land Registry. This helps to find potential planning issues, such as a restrictive covenant against certain alterations or outbuildings missing from the title plan.
Ashford Borough Council Council Tax
The council tax paid by a homeowner is based on a number of criteria such as the layout of the property and the value of the home as determined by the VOA in 1991 (or 2003 in Wales). For example, for an average Band B house in Tenterden, the amount of council tax would be £1,303 per year.
Tenterden conveyancing solicitors will inform the purchaser of the home's council tax band after 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 £977.
Other discounts and exemptions could also apply, for example if the property is uninhabited (for the first 60 days) or if the property is occupied by someone who is seriously mentally impaired.
|Band||Ashford Borough Council Tax (2018)|
Can I challenge my valuation?
It is possible to challenge the council tax band after moving in. Between April 2016 and April 2017, 40 council tax challenges were made, of which 20 saw a reduction. To challenge your banding contact:
Valuation Office Agency
Stamp Duty on Tenterden properties
The purchaser's conveyancing solicitor will ensure that the SDLT is correctly calculated and is paid to HMRC. This occurs once the property sale has completed.The buyer (rather than the seller) will have to pay stamp duty on the purchase price of the home if it exceeds £125,000.
Our post-completion conveyancing team use case management software to ensure the SDLT1 tax return is submitted to HM Revenue & Customs as quickly as possible.
See table below for SDLT examples for properties in Tenterden:
|Average selling price (2017)||Stamp Duty|
|Average price (detached)||£510,542||£15,527.10|
|Average new build||-||-|
Stamp duty relief for first-time buyers in Tenterden
Since the budget announcement in November 2017, if you are a first-time buyer, you only pay stamp duty on property valued at over £300k with relief up to £500,000 in some areas.
Tenterden conveyancing solicitors should confirm their client pays the correct amount.
Buying a flat? Leasehold conveyancing in Tenterden
Purchasing a leasehold house or flat if you are unaware of the facts can be fraught with risk. The many potential complications lying in wait for the unsuspecting buyer include sinking fund issues, spiralling ground rents and unreasonable lease extension premiums.
A experienced conveyancing solicitor in Tenterden will consider possible leasehold issues, e.g. :
- reviewing the lease itself
- service charge records from the last three years
- reviewing correspondence between the freeholder and leaseholder
- share of freehold complexity
Make sure that you are fully-informed regarding your planned purchase - Contact our team of leasehold conveyancing solicitors on 0800 612 0377.
Buying a 'New Build' property in Tenterden?
Based on local data compiled by the HM Land Registry, the average price for new build homes in Tenterden is -. - new build houses and flats -.
A new-build conveyancing solicitor in Tenterden needs to be conscious of Tenterden-specific factors and the added complexities of new build, such as ensuring new estate roads are adopted, dealing with lender conditions and working with warranty providers such as NHBC, Zurich Municipal and ACHI/Vantage.
Our award-winning team of conveyancers specialise in meeting short developer deadlines and new build purchases.
Conservation areas in Kent
If you are buying a property in a conservation area in Tenterden, the property must be compliant with any local conservation area conditions. These building controls, called Article 4 Directions, can include:
- Restrictions on the removal of front boundary walls, railings or fences
- Restrictions on the addition of flues and soil vent pipes
- Limits on the installation of VELUX windows
The local council can order any non-compliant alterations to a property to be changed or removed.
Parts of Tenterden are within a conservation area governed by the Ashford local planning authority (LPA). Your Quittance conveyancing solicitor will confirm if the property you are purchasing is located in a conservation area in Tenterden.
Conveyancing - Selling a property in Tenterden
Conveyancing for a sale of a house or flat is normally less troublesome than for a purchase. When property changes hands, the obligation lies entirely with the buyer to ensure that the property's title is legally sound and meets their mortgage lender's criteria.
With a sale, conveyancing solicitors in Tenterden acting for the vendor effectively just answer the buyer's questions.
Factors that could delay or endanger the sale of your property
Properties will frequently have a series of legal problems (such as not having a building regulations completion certificate or being in an area threatened by local development) which may hinder a sale.
You shouldn't ignore this and hope the buyer's solicitor won't notice. Instead, get professional advice, face the issues head on, and find a solution as early as possible.
- Noisy neighbours? What to do before selling your home
- Noisy neighbours? What to do before selling your home
- The Essential Conveyancing Guide for Sellers in 2018
Read more helpful advice for sellers here.
The conveyancing process for a leasehold property is quite a lot more specialised than for a freehold house.
Conveyancing solicitors in Tenterden will also carry out additional work. This can involve contacting the freeholder for detailed managing agent information, through to a copy of the lease.
Given the complexities of leasehold property, it is strongly advised that you instruct a leasehold-specialist conveyancer as soon as an estate agent is chosen.
Can your conveyancing solicitors act for both parties?
Solicitors Regulation Authority (SRA) rules ban the same solicitor from acting on both sides in a house sale and purchase. A CLC-regulated conveyancer, however, can act for both sides.
You could contact a law firm in Tenterden to carry out your legal work, if one of our conveyancing solicitors is doing the legal work for the other side.
Local Tenterden conveyancing solicitor directory
- Pengelly and Rylands Incorporated By Hatten Wyatt, 39-41 High Street, Tenterden, Kent, TN30 6BJ
- Whitehead Monckton Limited, Unit 3-4 Market Square, High Street, Tenterden, Kent, TN30 6BN
Conveyancing - Remortgaging a property in Tenterden
Benefitting from a lower interest rate to reduce monthly expenses is primarily why people change lenders. There are other reasons, for example consolidating debts, or moving from a standard variable rate (SVR) to a fixed-rate.
A good conveyancing solicitor in Tenterden can reduce the remortgage processing time, meaning you move to your lower rate sooner. With the base rate now at 0.5% (May 2018) and 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 critical that the property lawyer handling your remortgage can act on behalf of your new mortgage provider. Quittance Conveyancing are on all major UK lenders' panels. So whether you are switching to a flexible mortgage with Lloyds Bank or to a capped-rate mortgage with the Furness 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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