Residential Property

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Buying a house is one of the biggest purchases you will ever make and it is important to ensure that the legal aspects of your house move are handled as quickly and efficiently as possible. 

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Our Residential Property team are here to help. Our offices in AshfordCanterbury and Herne Bay are now open for clients with pre-booked appointments.  Alternatively your appointment can be conducted by telephone or video conferencing.

Meet Louise Farrow, Residential Property Partner:

Our conveyancing specialists are all experts in their field and know the local area well.  If you are buying or selling property our Residential Property team are available at all of our offices - Ashford, Canterbury and Herne Bay. You will find our Residential Conveyancing team easy to talk to and we will keep you fully informed as your transaction progresses. It is often better to use a local conveyancing Solicitor rather than online conveyancing as a local conveyancer will have knowledge of your area.

Choose an Expert Property Lawyer

Our expert residential property Solicitors and executives deal with all aspects of conveyancing and our services include:

  • Buying and selling freehold and leasehold property (including buy-to-lets)
  • Advice on Help to Buy Scheme and Right to Buy
  • Sale and purchase of freehold land, plots of land and new developments
  • Remortgage advice
  • Transfer of Equity
  • Shared Ownership Homes/joint tenancy
  • Releasing equity
  • Easements and Covenants
  • Possessory Title
  • First Registrations

For advice on the Capital Gains Tax  implications of second homes, or when buying, selling or gifting property, contact our in-house tax specialist, Joanne Beale

First Time Buyer Conveyancing Process Downloadable PDF

Conveyancing Quality Scheme

Our conveyancing Solicitors and executives are dedicated to excellent client care, outstanding legal performance and the delivery of an exceptional service; we follow the Law Society's Conveyancing Protocol. We also hold the Law Society’s accreditation for the Conveyancing Quality Scheme (CQS), a mark of excellence for the home buying and selling process. This means that we have demonstrated the necessary skills and expertise to provide residential conveyancing advice and give you all the information you need to understand the conveyancing process.

We hold the Law Society’s accreditation for the Conveyancing Quality Scheme (CQS), a mark of excellence for the home buying and selling process.
 

Our Fees

Please see below details of our fees and disbursements/other associated costs as well as related timescales for these matters.  Click here for a conveyancing quote, or for any other property enquiry, please contact our conveyancing specialists at an office near you who will be happy to help. Please see our legal advisors' profile pages for full details of their experience and qualifications.

PURCHASE: Fees & timescales

1.0 Fees

Our fees start from as little as £700.00 plus VAT. Please contact us for a detailed fee estimate setting out a full breakdown of the costs and disbursements.

In addition a number of disbursements/other associated costs will be incurred during the purchase of a property as outlined below:

  1. Our fees cover the work required to complete the purchase of your new home, including dealing with registration at the Land Registry and dealing with the payment of Stamp Duty Land Tax (Stamp Duty) if the property is in England, or Land Transaction Tax (Land Tax) if the property you wish to buy is in Wales. (Please see table 1 below).
  2. Land Registry fee - Scale 1:  We can advise on whether the on-line discount is available. (Please see table 2 below). 
  3. Search fees on purchase of property.
  4. Bank Transfer fees of £36.00 per electronic payment.
  5. Stamp Duty Land Tax on purchase of property. You can ascertain the amount here https://www.gov.uk/stamp-duty-land-tax/residential-property-rates
  6. In Leasehold cases, there may be additional charges payable to the Landlord or Managing Agent.

Table 1: Land Registry:

HMLR (scale 1)

 

POSTAL

ON-LINE

£0-80k

40

20

£80,001-100k

80

40

£100,001-200k

190

95

£200,001-500k

270

135

£500,001-1m

540

270

£1,000,001+

910

455

 

 

2.0 Timescales

For residential purchases we estimate 4-6 week from issue of contract to papers to achieve exchange of contracts, and 1-2 weeks after this to completion. 

However the transaction is dependent on factors which are outside of our control such as mortgage offers and the other parties in the chain.

The key stages involved in the transaction are:

  • Take your instructions and give you initial advice
  • Check finances are in place to fund purchase and contact lender's solicitors if needed
  • Receive and advise on contract documents
  • Carry out searches
  • Obtain further planning documentation if required
  • Make any necessary enquiries of seller's solicitor
  • Give you advice on all documents and information received
  • Go through conditions of mortgage offer with you
  • Send final contract to you for signature
  • Agree completion date (date from which you own the property)
  • Exchange contracts and notify you that this has happened
  • Arrange for all monies needed to be received from lender and you
  • Complete purchase
  • Dealing with Stamp Duty Land Tax and registration.

SALE: Fees & timescales

1.0 Fees 

Our fees start from as little as £650.00 plus VAT. Please contact us for a detailed fee estimate setting out a full breakdown of the costs and disbursements.  In addition a number of disbursements/other associated costs will be incurred during the sale of a property as outlined below:

  1. Our fees cover the work required to complete the sale of your home, including repayment of any mortgage on the property. (please see table 1 below)
  2. Copy title from the Land Registry £6 - £12.00
  3. A fee for Bank Transfers of £36.00 per electronic payment.
  4. In Leasehold cases, any charges made by the Landlord or Managing Agent for provision of information.

2.0 Timescales

For residential sales we estimate 4-6 week from issue of contract to papers to achieve exchange of contracts, and 1-2 weeks after this to completion. 

However the transaction is dependent on factors which are outside of our control such as mortgage offers for your buyer and the other parties in the chain.

The key stages involved in the transaction are:

  • Take your instructions and give you initial advice
  • Prepare contract documents and submit to buyer’s conveyancer
  • Respond to  enquiries made by buyer’s conveyancer
  • Give you advice on all documents and information received
  • Send final contract to you for signature
  • Agree completion date
  • Exchange contracts and notify you that this has happened
  • Receive the sale monies from your buyer’s conveyancer
  • Complete the sale and discharge any mortgage payment and pay estate agents.

REMORTGAGE: Fees & timescales

1.0 Fees

If you are looking to release equity from your home through a remortgage or refinance, then your mortgage company may require you to hire a conveyancer to handle the paperwork.

For remortgaging we offer a fixed rate of £500.00 plus VAT.

Other disbursements/associated costs which you will incur in the transaction include:

  1. Copy title: £6 - £12.00
  2. Local Search (£150 - £200) or Indemnity premium (£20 - £40)
  3. Land Registry fee - Scale 2   (please see table 1 below)
  4. £36 per electronic bank payment.

Table 1: Land Registry Charges:

HMLR (Scale 2)

Remortgage Amount

POSTAL

ON-LINE

£0-100k

40

20

£100,001-200k

60

30

£200,001-500k

80

40

£500,001-1m

120

60

£1,000,001+

250

125

 

 

2.0 Timescales

From start to finish it normally takes between four and eight weeks to complete the remortgage process.

The key stages involved in the transaction are:

  • When switching to a new lender, the new mortgage company may  request that a solicitor carries out local searches and checks the title of your property
  • We will arrange for you to sign the Mortgage Deed
  • Once all searches and checks have been completed, the new lender releases the mortgage funds, and the solicitor repays the previous lender
  • The solicitor then updates the Land Registry.

We Work With You

For further advice and information on conveyancing, contact a member of our Residential Property team today or call into your local office.

Thank you for taking the time to look at our website. We hope that you will decide to use Girlings as your conveyancer.

Commitment Without Compromise