Moving Home

Moving home can be exciting for you, but it can also be stressful, confusing and complicated. This is something that our team of housing solicitors in Beverley, Lincoln, Alford, Horncastle, Grimsby and Louth are well aware of. This is why our whole process has been organised and simplified to give you one thing less to worry about.

Our step-by-step approach makes any legal requirement and red tape of mortgage procedures far easier to follow and understand. Whilst our expert conveyancing solicitors apply their knowledge and allocate the best advice, our Client Connect service allows you to track your case online at all times, making the entire process flow from start to finish.

Selling Your Property

Once a buyer has been found, your solicitor will prepare a contract to go to your buyer, which will include a property information form.

If you are engaging your solicitor to undertake your sale and purchase, then once you have found a property to buy and made an offer, you will need to contact your solicitor who will obtain the contract from the seller’s solicitor and effect searches if necessary.

First-Time Buyers

If you are a first time buyer, then before viewing properties, it is advisable to visit your bank or financial advisor to obtain a mortgage certificate to find out how much you can borrow. Once you have found a property to buy, contact our property solicitors and we will guide you through the legal process.

The Law Society's Conveyancing Quality Scheme

We are members of the Law Society's Conveyancing Quality Scheme (CQS), which provides a recognised quality standard for residential conveyancing practices. Since inception in 2011, the CQS has created a trusted community which has helped year on year to deter fraud and continually improve standards across the residential conveyancing sector.

The buying and selling of a home is usually the largest transaction that most people undertake in their lives. By being a member of CQS, you can be assured that our moving house solicitors have the necessary skills and expertise to provide residential conveyancing advice, and will provide all the information you need to understand the process, options, costs and timescales.

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The Conveyancing Association

We are also members of the Conveyancing Association - the leading trade body for the conveyancing industry.

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FAQs

Moving Home

The process of moving home and buying and selling residential property is known as conveyancing. Please find below a Conveyancing Calculator which will provide you with an estimate of our fees for our specialist conveyancing service.

As the value and type of each property differs as does the service your require, the calculator provides an estimate only. We would be happy to discuss your specific requirements and give you an appropriate fixed fee quote.

Sale

The calculator below sets out an estimate of what you will pay which varies depending on the sale price. Should you be selling a property with a value in excess of £1m, please contact either Claire Parker or Ed Atkin for a bespoke quotation and an explanation of our fees. Their contact details can be found on the "Meet our Experts" page.

Because of the varied nature of property work, our standard scale fees do not apply in a number of circumstances. Examples of such circumstances would include the following:

  • Selling a property which is owned under a shared ownership scheme.
  • Selling a parcel of land, such as part of your garden.
  • Selling a property/properties that you have built within the boundary of your residential property.

If any of the above circumstances apply, please contact us for an estimate of our fees.

Conveyancing Calculator

STEP 1

Property Type

Is this a property?

Select your property type on the left for an estimate.

A Freehold property is one which you own outright, including the land it’s built on.

With Leasehold interest you own the property and the land it is stood on for the length of the Lease. At the end of the term of the Lease the land would be returned to the Freeholder unless the Lease can be extended.

This quote is given on the basis of Freehold. Additional fees may apply for a Leasehold property.

Next step >

 

STEP 2

Property Value

Please enter value of property:

£
Calculate

Sale Estimate

The guide below sets out an estimate of what you will pay and to whom.

STEP 3

Cost Breakdown

FEES

Wilkin Chapman LLP Charges
670
VAT @ 20%
£
Bank Transfer Fee
£
VAT @ 20%
£
SubTotal
£

Disbursements

Land Registry Office Copies
670

Leasehold Fee

A leasehold supplement fee will apply if the property you are selling is leasehold. This is to cover the additional work we undertake on your behalf.

Bank Transfer Fee

A Bank Transfer fee of £25.00 plus VAT is charged for each electronic Bank Transfer we make on your behalf.

Wilkin Chapman LLP Charges

This is an estimate of the amount that would be paid to us for our services.

Land Registry Office Copies

The Land Registry charge a fee of £6.00 to provide evidence of your registered title and related title plan.

Total

Create Estimate

Terms and Conditions

The above fee estimate is provided on the basis that you have given us all relevant information. Please note that if matters become unduly complicated or the work is beyond the scope of what we were originally instructed to undertake, additional fees may apply. In such circumstances we will advise you as soon as we are able as to what those additional costs will be.


Leasehold properties: Additional disbursements may be payable, for example where the management pack is required. The fee payable is typically between £180 and £420 inclusive of VAT.

Send Estimate

If you wished us to send you an email version of the above fees estimate as well as our “Buying & Selling Property Guide” please provide us with your contact details below.

If you wished us to send you an email version of the above fees estimate as well as our “Buying & Selling Property Guide” please provide us with your contact details on the right.

FAQs

What work is covered?

  • To deal with the sale of your property including obtaining deeds, drafting the contract, providing the Buyer’s solicitors with evidence of your Title.
  • Obtaining the management pack(s) – Leasehold properties only.
  • Dealing with any enquiries raised by the Buyer’s solicitors.
  • Completing the sale of your property, paying off any mortgage, paying the Estate Agents and accounting to you for the proceeds.

What work is not covered?

We will not advise you on and will not be responsible or liable for the following:

  • Any tax liability other than Stamp Duty Land Tax.
  • Any matters relating to the physical structure and condition of the property.
  • Accountancy advice issues.
  • Any valuation advice.
  • Any other matter outside the scope of the work detailed above.

Factors that would typically change the cost of the service

We base our fees on the following:-

  • The scope of our work remains as set out above.
  • That no information material to the transaction has been or will be withheld.
  • The matter does not become unduly protracted or complicated.

If any of the above circumstances arise then we will contact you to agree a revised quote.

Explanation as to how long it will take:

An average transaction takes in the region of 6 – 10 weeks. Some transactions can be shorter and some can be considerably longer. We are very much dependent on third parties and factors such as unregistered land, leasehold titles, mortgage difficulties, problems with the title and also the length of the chain of transactions can all influence timescales.

Please do not book removals or commit yourself to any expense in connection with moving house without first discussing this with us.

What are the stages of the process

For more information, please refer to the Buying and Selling Property Guide.

Purchase

The calculator below sets out an estimate of what you will pay and to whom which varies depending on the purchase price. If you are buying a property with a value in excess of £1m, please contact either Claire Parker or Ed Atkin for a bespoke quotation and an explanation of our fees. Their contact details can be found on the "Meet our Experts" page.

Please note our scale fees as set out below do not apply in the following circumstances so please contact us for an explanation of our fees.

  • Purchasing a new build.
  • Purchasing a property under a shared ownership scheme.
  • Purchasing with the help of an equity loan, through a help to buy scheme or with the assistance of a help to buy ISA.

Please note if the property you are purchasing is outside the North East Lincolnshire boundary, the Local Authority search fee will be £95 and not the £70 indicated.

Additionally, it is this firm’s policy to check the identity of the seller’s solicitor should they not be known to us, We use Lawyer Checker and this will be an additional cost of £12 (inclusive of VAT). This will help to protect both yourself and your lender against the risk of a criminal stealing the identity of a legitimate legal firm. Lawyer Checker enables us to assess the risk of transferring the purchase funds to the seller’s solicitor’s firm by comparing the bank account details they supply us with against a database of previous conveyancing transactions.

Conveyancing Calculator

STEP 1

Property Type

Is this a property?

Select your property type on the left for an estimate.

A Freehold property is one which you own outright, including the land it’s built on.

With Leasehold interest you own the property and the land it is stood on for the length of the Lease. At the end of the term of the Lease the land would be returned to the Freeholder unless the Lease can be extended.

This quote is given on the basis of Freehold. Additional fees may apply for a Leasehold property.

Next step >

 

STEP 2

Property Value

Please enter value of property:

£
Calculate

Purchase Estimate

The guide below sets out an estimate of what you will pay and to whom.

STEP 3

Cost Breakdown

FEES

Wilkin Chapman LLP Charges
670
VAT @ 20%
£
Bank Transfer Fee
£
VAT @ 20%
£
SubTotal
£

Disbursements

Local Authority Search
£
Chancel Repair Indemnity Insurance
£
Land Registry Search
£
Land Registry Fee (electronic)
£

Leasehold Fee

A leasehold supplement fee will apply if the property you are selling is leasehold. This is to cover the additional work we undertake on behalf of yourself and your mortgage company.

Bank Transfer Fee

A Bank Transfer fee of £25.00 plus VAT is charged for each electronic Bank Transfer we make on your behalf.

Wilkin Chapman LLP Charges

This is an estimate of the amount that would be paid to us for our services.

Local Authority Search

This Search fee is payable to a Search Company who will undertake a regulated Local Authority on your behalf to provide vital information about the property.

Chancel Repair Indemnity Insurance

We recommend you take out this Policy of Insurance to insure against the risk of the property having a Chancel Liability. The Policy is a one-off payment and provides £1m of cover.

Land Registry Search

These are pre-completion searches carried out at the Land Registry to ensure that we have the requisite priority period to register your purchase.

Land Registry Fee (electronic)

This is the fee payable to the Land Registry in order for them to register you as the new owner of the property. The figure provided assumes that the Land Registry will accept your application in electronic form.

Stamp Duty

The figure provided is on the assumption that the property will not quality as an “additional property” and the transaction is charged at the usual rate of Stamp Duty.

Stamp Duty
£

Total

Create Estimate

Terms and Conditions

The above fee estimate is provided on the basis that you have given us all relevant information. Please note that if matters become unduly complicated or the work is beyond the scope of what we were originally instructed to undertake, additional fees may apply. In such circumstances we will advise you as soon as we are able as to what those additional costs will be.


Leasehold properties: Additional disbursements will be payable over and above those set out in the calculator. These will be set out in the lease and vary. They can include a Notice of Transfer fee and a Notice of Charge fee (if the property is to be mortgaged), each of which may cost between £6 to £180 inc VAT, a fee for a Deed of Covenant which is charged by the management company and may be between £90 and £180 inc VAT and a Certificate of Compliance fee, the cost of which can range from £60 to £180 inc of VAT. We will advise you of such additional costs once we have sight of your specific documents.

Send Estimate

If you wished us to send you an email version of the above fees estimate as well as our “Buying & Selling Property Guide” please provide us with your contact details below.

If you wished us to send you an email version of the above fees estimate as well as our “Buying & Selling Property Guide” please provide us with your contact details on the right.

FAQs

What work is covered?

  • Checking the legal title to the property and reporting to you.
  • Carrying out appropriate searches and reporting to you on the results of those.
  • Obtaining Property Information and Fixtures and Fittings forms from the seller checking that these are satisfactory and reporting to you.
  • Draft the Transfer Deed which is the document that transfers the property to you.
  • Exchange contracts with the seller’s solicitor and proceed to complete the purchase including deal with requesting mortgage funds from your Lender.
  • Following completion, we will register your title to the property at HM Land Registry together with any mortgage you have obtained and deal with any Stamp Duty Land Tax requirements.


What work is not covered?

We will not advise you on and will not be responsible or liable for the following:

  • Any tax liability other than Stamp Duty Land Tax.
  • Any matters relating to the physical structure and condition of the property.
  • Accountancy advice issues.
  • Any valuation advice.
  • Any other matter outside the scope of the work detailed above.

Factors that would typically change the cost of the service

We base our fees on the following:-

  • The scope of our work remains as set out above.
  • That no information material to the transaction has been or will be withheld.
  • The matter does not become unduly protracted or complicated.

If any of the above circumstances arise then we will contact you to agree a revised quote.

How long will it take?

An average transaction takes in the region of 6 – 10 weeks. Some transactions can be shorter and some can be considerably longer. We are very much dependent on third parties and factors such as unregistered land, leasehold titles, mortgage difficulties, problems with the title and also the length of the chain of transactions can all influence timescales.

Please do not book removals or commit yourself to any expense in connection with moving house without first discussing this with us.

Stages of the process

For more information, please refer to the Buying and Selling Property Guide.

Stamp duty or Land Tax

This depends on the purchase price of your property. You can calculate the amount you will need to pay by using HMRC's website or if the property is located in Wales by using the Welsh Revenue Authority's website

Re-mortgage

A re-mortgage is the process of paying off one mortgage with the proceeds from a new mortgage using the same property as security. In effect it is simply the transfer of a mortgage from one lender to another. You may choose to re-mortgage your property for various reasons but the most common is to reduce the overall monthly payments.

Fees

Typically our fees will be in the region of £474.00 inclusive of VAT. We will be happy to provide you with a fixed fee quote when you contact us.

Disbursements

Disbursements are payable in addition to our fees. These are payments to third parties, such as payments to the Land Registry for an official copy of the title to your property. We handle the payment of the disbursements on your behalf to ensure a smoother process.

The anticipated disbursements are set out below.

  • Official copy of the register - £6.
  • Electronic money transfer fee - £30.
  • Land Registry registration fee – determined by the value of the property but starts at £20.
  • Local search fees - if your property is located within North East Lincolnshire, East or West Lindsey or the Hull boundary this will be £70. Otherwise, it be £95.

FAQs

What work is covered?

  • Corresponding with your existing lender to obtain details of the amount required to pay off that mortgage.
  • Investigate the legal title and associated legal issues to enable us to advise your new lender that your property will offer adequate legal security.
  • Obtain your signature to the mortgage deed and thereafter obtain the funds from your new lender.
  • Redeem your previous mortgage.
  • Register your new mortgage at HM Land Registry.

What work is not covered?

We will not advise you on and will not be responsible or liable for the following:

  • Any tax liability.
  • Accountancy and/or financial advice.
  • Any valuation advice.
  • Any other matter outside the scope of the work detailed above.

Factors that would typically change the cost of the service

We base our fees on the following:-

  • The scope of our work remains as set out above.
  • That no information material to the transaction has been or will be withheld.
  • The matter does not become unduly protracted or complicated.

If any of the above circumstances arise then we will contact you to agree a revised quote.

How long it will take?

An average transaction takes 4 weeks. Some transactions can be shorter and some can be considerably longer. We are very much dependent on the speed of communication with your existing and new lender together with other factors, such as leasehold titles and unregistered land which can all influence timescales.

Equity Release

Equity release schemes have grown in popularity in recent years as the over 55's look to use their homes to unlock the money that has built up in their home by decades of property price increases. As homeowners over the age of 55 go through this process, the role of a knowledgeable solicitor is essential and recommended by the Equity Release Council which promotes safe equity release. A statement we stand by as a firm also.

Learn more

Landlord & Tenant

If you're a landlord and are experiencing problems with your lets and tenants, our specialist legal team can help. We can advise you on areas such as: Preparing tenancy agreements; Serving notices; Taking court action to remove troublesome tenants; Disrepair claims.

We guarantee to serve any notices, issue any proceedings or prepare any tenancy agreements on the same day if we receive all details before midday, or the following day if received after midday.

Learn more

Personal Disputes

Sometimes disputes or litigation cannot be avoided, our team of solicitors provide a range of services aimed at resolving disputes, including: alternative dispute resolution, arbitrations and mediations.

Learn more

Wills, Estates, Tax & Trusts

One of the certainties of life is that it changes and you can never be sure of what the future holds. However, you can take steps to plan for a deal with the changes that life may bring along the way. Our team of expert lawyers have been helping and advising clients how to best plan for their future for over 25 years and provide advice on all aspects of wills, trusts, inheritance tax and probate.

Learn more

Moving Home
Other Services
Call our experts
Request a callback
Index Claire Parker
Claire Parker
Partner and Head of Domestic Property
Tel : 01507 527521
Contact

What Wilkin Chapman LLP customers say:

"I’ll definitely be recommending you and using you for any future legal affairs..."

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"Thank you for your assistance in our property purchase. You were great!..."

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"Thank you so much for your patience and good humour and, of course, your professionalism...
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