Updated: October 12, 2018

Workington conveyancing solicitor fees and costs

No Move, No Fee conveyancing in Workington

Conveyancing solicitor fees are the charges you pay to your Workington conveyancing solicitor for the legal work associated with buying or selling a property.

How are Workington conveyancing fees calculated?

Our solicitors work on a fixed No Sale, No Fee basis with no hidden costs, unlike some other conveyancing solicitors in Workington who work on a cost per hour basis. Your quote will explain exactly what you will need to pay when your house or flat sale completes.

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 the conveyancing solicitor will have to pay to other organisations as part of the house-buying and selling process. These include costs like bankruptcy checks or telegraphic transfer fees.

See: Complete list of conveyancing fees and disbursements

How much will conveyancing in Workington cost in total?

Workington conveyancing solicitor fees should be the same as anywhere else in the UK. However, the costs of certain disbursements can vary. As examples, additional region-specific searches, such as transport searches, may be needed and council search fees will vary.

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

Quittance's fees were cheaper - less than half the Estate Agent's recommended solicitor's fees

Conveyancing - Buying a property in Workington

The legal work for a home purchase will need a conveyancing solicitor in Workington to consider a wide range of issues. Examples of such factors can range from a defective title (e.g. missing easements) to a boundary dispute affecting the mortgageability of the home.

The buyer's solicitor will feed the results of their enquiries back to the buyer, offer practical solutions and ensure that the change of ownership is registered at the Land Registry.

The following section gives recommendations for homebuyers who want conveyancing solicitors in Workington.

Your Workington conveyancing solicitor must be lender-approved

There are a wide range of mortgage providers, from a niche lender like Pepper Money, to a large lender such as the Nationwide Building Society. Before appointing a Workington conveyancing solicitor, whoever you choose, you must confirm that they are approved by your lender.

Many mortgage lenders only accept a select group (often referred to as a 'panel') of solicitors or licensed conveyancers. If a solicitor is unable to act for your lender, the lender will need a different solicitor firm to complete the legal work.

The purchaser will then have to cover this alternate solicitor's fees, and weeks could be added to the conveyancing process.

Failing to confirm your conveyancing solicitor's lender panel status can frustrate the process.

Quittance Conveyancing can act on behalf of all banks and other lenders.

Residential Property Searches (Allerdale Borough Council)

Property searches (sometimes referred to as 'conveyancing searches') are submitted by Workington conveyancing solicitors to help identify any broader issues that could possibly affect how much your property will be worth.

Searches are carried out primarily 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 more detailed flood report or a more detailed plan search, may also be referred to in the standard searches.

The approximate processing time for Local Authority searches delivered by Allerdale Borough Council is 11 weeks, so personal (as opposed to official) searches will be faster.

Finding planning permissions

The conveyancing solicitor acting for the buyer will apply for an 'Official Copy of the Title Register' from HM Land Registry, assisting with the identification of any planning issues, such as the breach of a restrictive covenant or a difference between the agent's floorplan and the title plan.

Allerdale Borough Council Council Tax

The amount of council tax a homeowner in Workington will pay to Allerdale Borough Council will depend on the property's value and the number of residents. The occupier of a property in Valuation Band D, for example, would owe annual council tax of £1,800.

Workington conveyancing solicitors will inform the buyer of the property's tax band as soon as 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 £1,350.

Other discounts and exemptions could also apply, for example where the home is empty or unfurnished for a maximum of 60 days or for foreign language students.

Band Allerdale Borough Council Tax (2018)
A £1,200
B £1,400
C £1,600
D £1,800
E £2,199
F £2,599
G £2,999
H £3,599

Are you paying more than you should?

From April 2016 to March 2017, 20 council tax challenges were made, of which 10 were upheld and refunds awarded. To appeal contact:

Valuation Office Agency
Stocklund House
Castle Street
Carlisle
CA3 8SY
Cumbria

Stamp Duty on Workington properties

Stamp Duty Land Tax works in a similar fashion to income tax insofar as a buyer will pay progressively more tax for a higher-value home.

Steep fines await those who miss the Stamp Duty Land Tax payment deadline.

Quittance's investment in the latest state-of-the-art case management system means that HMRC filing form rejections are a thing of the past.

See stamp duty examples for homes in Workington:

  Average sale price (2017) Stamp Duty
Average price £143,988 £379.76
Average price (detached) £231,637 £2,132.74
Average new build £242,916 £2,358.32
Higher rates of stamp duty apply to buyers of second property in the form of a higher SDLT rate of 3%. Therefore, if a homeowner in Workington bought a second property for the average price of £143,988 the SDLT would be £7,199.40.

Stamp duty relief for first-time buyers in Workington

In 2017, the Government announced that first-time buyers would be exempt from paying stamp duty on properties below £300k.

Conveyancing solicitors in Workington should ensure the correct tax is paid.

Buying a flat? Leasehold conveyancing in Workington

New build site

The pitfalls associated with owning a leasehold property remain of serious concern. The many potential problems lying in wait for an uninformed buyer can include:

  • doubling ground rents
  • sinking fund issues
  • onerous clauses in the lease
Serious financial ramifications can result from a solicitor's erroneous leasehold advice.

If you intend to buy a leasehold home, a experienced conveyancing solicitor in Workington will address aspects of leasehold, for example :

  • reviewing the lease itself (some leases are over 100 years old)
  • any recent demands for service charges and ground rent
  • dealing with landlords
  • changes to the terms of the lease
  • sinking funds

Ensure that you are fully-informed regarding your planned purchase - Speak to Quittance Conveyancing's team of leasehold conveyancing solicitors on 0800 612 0377 today.

Buying a 'New Build' property in Workington?

Building site

According to Her Majesty's Land Registry information, the average price for new build property in Workington is £228,112. 4 new build houses and flats have been bought in Workington in 2018 so far.

Purchasing a new build property can be more complex than any other type of conveyancing. To avoid potential problems a conveyancing solicitor in Workington must be conscious of Workington-specific issues and will need to report to clients on a number of issues, such as handling the uncertainties of buying off plan and verifying rights of easements.

Our highly qualified team of conveyancers are specialists in meeting short developer deadlines and ensuring that new build contracts favour the client as much as possible.

Conservation areas in Cumbria

Your conveyancing solicitor will need to confirm if the residential property you are intending to buy is in one of Workington's conservation areas. If it is, the property will be affected by specific building controls. Called Article 4 directions, these conditions could include anything from restrictions preventing the addition of new access, to restrictions on the use of PVC windows.

The local council can order any non-compliant alterations to a property to be changed or removed, such as removing a newly-added dormer window.

Quittance's conveyancing solicitors will address whether the home you plan to buy is located in a conservation area in Workington.

Conveyancing - Selling a property in Workington

The conveyancing process on a sale of a home usually requires less work than for a purchase. During the sale of a house or flat, caveat-emptor' means that the onus is on the buyer to validate that the property they are purchasing is mortgageable and is (or can be) registered at the Land Registry.

Conversely, when selling, conveyancing solicitors in Workington acting for the current owner just answer questions set by the buyer's conveyancing solicitor.

How to help your sale go through

A house or flat will often come with challenges (such as a landlord dispute on a leasehold property or a dispute with a neighbour) which may derail the conveyancing process.

You shouldn't ignore this in the hope that any issues won't be spotted. The best course of action is to speak to an expert and attempt to resolve it ASAP.

Recommended reading:

Read more conveyancing advice for sellers.

Leasehold flats

Conveyancing for a leasehold flat (houses are rarely leasehold) is a great deal more technical than for a freehold property.

Conveyancing solicitors in Workington must usually carry out further legal work, for example applying for a copy of the lease, through to information about any reserve fund that may be held.

To help mitigate the delays involved in selling a leasehold house or flat, it is strongly advised that the seller instruct a lawyer as soon as the property is marketed, if not before,.

Can Quittance conveyancers act for both the buyer and the seller of the same home?

SRA regulations prevent the same conveyancing solicitor from acting on both sides in a property sale. CLC-regulated conveyancers, however, can act for both the buyer and the seller.

If you are buying or selling a home in Workington, and one of our conveyancing solicitors is doing the legal work for the other side, you could instruct a property solicitor firm in Workington to undertake your conveyancing.

Local Workington conveyancing solicitor directory

  • HFT Gough & Co Limited, 15 New Oxford Street, Workington, Cumbria, CA14 2LR
  • Milburns Solicitors Limited, 21-23 Oxford Street, Workington, Cumbria, CA14 2AL
  • Taylor Rose TTKW Limited, 5 Murray Road, Workington, Cumbria, CA14 2AD
  • Paisleys, 31 Jane Street, Workington, Cumbria, CA14 3BN
  • Brockbank Curwen Cain and Hall Limited, 4 Portland Square, Workington, Cumbria, CA14 4BH

Conveyancing - Remortgaging a property in Workington

Securing a lower rate is usually the main reason why homeowners decide to switch lenders. There are other reasons, such as extending the mortgage term, or getting onto a longer fixed-rate term.

A good conveyancing solicitor in Workington can reduce the remortgage processing time, perhaps saving you from a payment or two at your old rate. With the base rate now at 0.5% (May 2018), fast conveyancing can be a contributing factor to getting on to the rate you want.

The property lawyer will act for both you and your new bank or building society to make sure the parties' interests are protected.

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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