Award-winning No Move, No Fee conveyancing for Worcester Park home movers
By Gaynor Haliday, Legal researcher
Updated: October 12, 2018
Every year Quittance Conveyancing's property lawyers deliver a highly recommended no sale, no fee service to home buyers and sellers looking for conveyancing solicitors in Worcester Park and across Surrey.
Quittance Conveyancing offer 100% fixed conveyancing fees, and because we are committed to proactive communication between all parties, you will always be up to speed regarding how your move is progressing.
Our no sale no fee guarantee means that should your home move not go ahead, you won't have to pay any conveyancing solicitors' fees.
Worcester Park's most communicative conveyancing service
Almost half of the home buyers and sellers answering market research commissioned by InfoTrack complained about poor solicitor communication.
The Law Society's CQS client service charter specifically prioritises encouraging better conveyancing solicitor communication.
Notwithstanding attempts by regulators to address the issue, according to a survey carried out by the Conveyancing Association of 1,500 people, almost half of consumers thought that better communication would have meant a faster completion.
Our Worcester Park conveyancing solicitors deliver an exceptional conveyancing service. We strive to deliver the information you require 7 days a week, using the communication method of your choice:
- Best Worcester Park conveyancing solicitors fees
- Contact details of your conveyancing lawyer
- View your complete file online
- Regular progress updates by SMS, phone and email
- Open Mon to Thurs 9am-8pm & Fri 9am-6pm
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Updated: October 12, 2018
Worcester Park conveyancing solicitor fees and costs
No Move, No Fee conveyancing in Worcester Park
Conveyancing solicitor fees are the charges you pay conveyancing solicitors in Worcester Park for carrying out the legal work for a property transaction.
Do Worcester Park conveyancing solicitors work on a fixed fee basis?
Some conveyancing solicitors in Worcester Park offer services on a fees per hour basis, and other firms will work for a fixed fee ('No Move, No Fee'). Our solicitors work on a No Sale, No Fee basis, with no hidden extras. Your quote sets out what fees you will need to pay when your property transaction has completed.
Are there any other costs?
You must cover the cost of 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 Land Registry fees or office copies.
How much will the total Worcester Park solicitor conveyancing fees be?
Worcester Park conveyancing fees will not vary, wherever you are buying or selling in the UK. However, there may be some variation in certain disbursements. As examples, specific extra searches, such as transport searches, may be necessary and council search fees will vary.
For a standard home sale or purchase, the conveyancing fee we quote is the fee you pay. With Quittance Conveyancing, there are absolutely no hidden fees. To calculate the conveyancing fees for your move, try our conveyancing fees quote calculator: Click here
Conveyancing - Buying a property in Worcester Park
Caveat emptor, meaning 'let the buyer beware', was a key part of property law in England and Wales. Since 2013, this maxim no longer applies, however, it remains the responsibility of a homebuyer and their solicitor to carry out due diligence on a planned purchase.
A Worcester Park conveyancing solicitor will offer professional advice following their enquiries, deal with any legal problems and confirm that the legal title passes to the new owner.
The content below considers the aspects of the buying process for conveyancing solicitors in Worcester Park necessitating a deeper level of knowledge.
Your Worcester Park conveyancing solicitor must be lender-approved
Homebuyers have a wide selection of lenders available, from a major lender such as Lloyds Bank, to a niche mortgage lender like the Buckinghamshire Building Society. Before choosing a Worcester Park conveyancing solicitor, it is essential that you check that they are on the panel of your chosen lender.
Your solicitor may be unable to act for your chosen lender, because some lenders are only happy to work with a selected list (known as a 'panel') of legal firms that pass strict selection criteria.
Should this be the case, the lender will probably need an alternative law firm to complete the legal work, and you will usually need to pay this substitute lawyer's fees. This can push back the completion date of the purchase.
Our conveyancing solicitors can act on behalf of all lenders.
- Lloyds Bank
- Barclays Bank
- HSBC Bank
- The Royal Bank of Scotland
- Santander Bank
- Nationwide Building Society
- Halifax Bank
- All UK lenders
Conveyancing Searches (Sutton Borough Council)
Searches are enquiries made by Worcester Park conveyancing solicitors to identify information and potential issues affecting your planned purchase. They include:
|Local Authority (LA) search||planning and development details from Sutton Borough Council records|
|Drainage & Water search||describes water mains and sewers, and confirms if these are privately maintained|
|Environmental search||shows risks within 500 metres of the property, such as toxic chemicals in the land|
|Chancel repair liability||involves the potential liability owed by the owners of certain property to pay for local parish church repairs. Insurance can be arranged to cover this risk.|
Homebuyers will be made aware if your chosen lender wants any additional searches, such as a radon gas search or a mining search.
Homebuyers should expect to wait up to 7 weeks for LA searches from the London Borough of Sutton, so your conveyancer will instead use a quicker local search agent.
Checking planning permission status
The conveyancing solicitor acting for the buyer will source office copies from HMLR. This will help to identify any planning issues, for example errors on the title plan or that a restrictive covenant has been breached.
London Borough of Sutton Council Tax
London Borough of Sutton calculate council tax on Worcester Park homes based on the number of occupants and the historic value of the property (as valued at 1 April 1991). E.g. for an average Valuation Band C residential property in Worcester Park, the amount of council tax would be £1,425 per year.
Worcester Park conveyancing solicitors will inform the purchaser of the property's 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 £1,069.
Other discounts and exemptions could also apply, for example unoccupied properties undergoing major repairs or if an occupier is a student nurse. Homes built after 1991 are assessed by the Valuation Office Agency (VOA).
|Band||London Borough of Sutton Tax (2018)|
Are you paying more than you should?
In 2016/17, 30 council tax challenges were made, and 10 saw a subsequent reduction. Contact the VOA for more information on how to challenge your tax band:
Valuation Office Agency
1 Francis Grove
Stamp Duty on Worcester Park properties
With some exceptions, if you purchase a property over the £125,000 threshold you will have to pay stamp duty. Doing the SDLT1 form in order to pay SDLT is a daunting prospect for a layperson.
Quittance's integrated case management system are fully integrated with HMRC (formerly Inland Revenue)'s electronic filing gateway.
The following table illustrates SDLT examples for properties in Worcester Park:
|Average sale price (2017)||Stamp Duty|
|Average price (detached)||£705,605||£25,280.25|
|Average new build||£333,294||£6,664.70|
Stamp duty relief for first-time buyers in Worcester Park
For first-time buyers, stamp duty is only payable on purchases over £300,000. If you own another property or share in a property , anywhere in the world you will be subject to a 3% SDLT surcharge. E.g. if a second home was bought for £482,547 then the stamp duty including the surcharge would be £38,603.76. .
Conveyancing solicitors in Worcester Park should confirm the correct tax is paid.
Buying a flat? Leasehold conveyancing in Worcester Park
It can be risky to purchase a leasehold house or flat without knowing what you are getting into. There are numerous technical issues that could be lying in wait for an uninformed purchaser, including reversionary interests and unreasonable ground rents.
A specialist conveyancing solicitor in Worcester Park will investigate aspects of the leasehold purchase, e.g. :
- checking the lease itself
- dealing with freeholders and managing agents
- any recent demands for service charges and ground rent
Our team of leasehold conveyancing solicitors will ensure that you are fully-informed regarding your planned purchase.
Buying a 'New Build' property in Worcester Park?
According to Land Registry information, 17 new build houses and flats were purchased in Worcester Park last year. The average cost of new build homes in Worcester Park is £333,294.
A new-build conveyancing solicitor in Worcester Park must be aware of Worcester Park-specific factors and new build-specific issues, including squaring developer incentives with lenders, confirming right of way over drains and sewers and registering ownership with warranty providers, including NHBC, Premier Guarantee? and Protek.
With Quittance Conveyancing, you will get an expert appraisal of the legal status of the property, scrutinising contract concerns ranging from the home's future resaleability to 'doubling' ground rent and service charges (where applicable).
Conservation areas in Surrey
Whether you are planning to buy a period coach house or a Victorian terraced house, if the house is in an officially designated conservation area, any changes you can make to the house might not be accepted by London Borough of Sutton.
These conditions, referred to as Article 4 Directions, can include:
- Limitations on the erection of outbuildings
- Restrictions on the addition of flues and soil vent pipes
- Limits on the erection of outbuildings
The new owner could be ordered to pay for necessary changes to bring a property in line with current regulations, even if the previous owner was responsible for the changes.
Your conveyancing solicitor will confirm whether the property you are buying is located in one of Worcester Park's conservation areas.
Conveyancing - Selling a property in Worcester Park
Conveyancing for a sale of a house or flat usually requires less work than when purchasing. With a property purchase, the obligation lies entirely with the buyer to establish that the property's title is not legally defective.
Conversely, with a sale, conveyancing solicitors in Worcester Park acting for the current owner only need to answer enquiries made on behalf of the buyer.
How to help your sale go through
A home will frequently have a range of potential complications (e.g. not having a building regulations completion certificate or where the property differs from the title plan) that can prolong the conveyancing process.
It is generally a good idea for sellers to handle any such problems without delay.
- What to do if selling a home without planning permission
- The Essential Conveyancing Guide for Sellers in 2018
- Noisy neighbours? What to do before selling your home
Read more helpful advice for sellers here.
Sale conveyancing for a leasehold property
The legal work for a leasehold flat is a great deal more protracted than for a freehold house.
Conveyancing solicitors in Worcester Park will also need to carry out additional work, such as writing to the landlord for a comprehensive pack of information, through to insurance details.
To reduce leasehold-related delays, it is highly recommended that the seller instruct a lawyer as soon as possible, and potentially before marketing the property,.
What if Quittance conveyancers are acting for the other side?
A conveyancer regulated by the CLC can act for both the buyer and the seller. However, Solicitors Regulation Authority rules prevent the same conveyancing solicitor from acting on both sides in a property sale.
If you are buying or selling a property in Worcester Park, and a Quittance solicitor is carrying out the legal work for the other side, you could instruct a property solicitor firm in Worcester Park to carry out your legal work.0
Conveyancing - Remortgaging a property in Worcester Park
By far the most common reason people remortgage a home is to secure a lower interest rate. Other reasons to remortgage include getting on to a new fixed-rate deal, or releasing capital to pay off other debts.
Homeowners can enjoy the benefits of a lower rate faster with a more proactive conveyancing solicitor in Worcester Park. They will work to shorten the processing time of the legal work. With future interest rate changes hard to predict, fast conveyancing can play a key role in securing your preferred rate.
Your property lawyer should also be able to act for the new bank or building society. Our conveyancers are on all major UK lenders' panels, so no matter whether you are moving to a 95% mortgage with Santander or to a discounted-rate mortgage with the Market Harborough 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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