All posts by Lyric Harvey

hidden cost of buying a house

Examples of hidden cost of buying a house

Buying a home can be very expensive. The most obvious cost of buying a house is the actual price of the property. Most buyers get into conveyance with only this cost in mind. They fail to realise that there is one or more another hidden cost of buying a house. The result is that the buyer is confronted with bills he did not expect. The worst thing is that these additional expenses have to be paid by the buyers own pockets and not with loans or mortgages. It is important for any buyer to get into conveyance with sufficient knowledge of the expenses he will have to cater for.

The very first cost of conveyance that you will be confronted with is the solicitor’s fees. Solicitors’ fees are a payment made for the services of solicitors. Solicitors are experts in real estate transaction. They help buyers and sellers in exchanging properties. Property transaction cannot sail through smoothly without the input of solicitors. They help buyers and sellers draw contracts, perform property investigations and file relevant documents. They usually charge about £800.

Property survey

The other cost of conveyance is the cost of property survey and valuation. Property survey help elucidate the cost of property. The survey takes into consideration size, location and age of the property.  A buyer cannot get a mortgage without having an accurate property survey report. There are many types of survey reports.  Each of these serves a different purpose and cost a different amount of money. The most important one is the Standard Property Survey. It gives a brief account of the condition of the property and the possible market value of the property. The law requires that a buyer conduct at least the Standard Property Survey.


Stamp duty land tax is the other hidden cost of conveyance. Stamp duty is like an income tax. Strangely, it is charged to the buyer rather than the seller who is indeed the recipient of the price of the house. Stamp duty is charged on any newly built residential home that is worth more than £125,000 or any other property that is at least £40,000.  That is, if you are buying your first home, you will be charged tax when your home is at least £125,000. If the home you are buying is the second or subsequent home, or when it is a buy to let property, taxation begins at house prices of £40,000. Stamp duty taxes, like income taxes, are grouped into various bands with each band having a different rate. The higher the price of your house, the more stamp duty you will have to pay.

Mortgage arrangement fees

You should also expect to pay mortgage arrangement fees. These are the cost of processing a mortgage. Mortgage arrangement fees vary from one lender to the other. Some of these lenders have refundable arrangement fees while others do not. The arrangement fees include mortgage application fees, mortgage broker fees and mortgage transfer fees.  Other conveyance fees include estate agent fees and life insurance processing fees.

average conveyancing rates

What affects the Average Conveyancing rates?

In the whole of the UK, the average costs of conveyancing can go as high as 100,000 pounds for a regular house. However, in Metropolitan cities like Birmingham, rates can be higher, for mansions the average cost of conveyancing in the city can go as high as 5 million pounds. The prices do vary according to the price of the property. Luckily Birmingham happens to be one of the cheapest places to buy the house in the UK. Therefore, buyers and sellers alike tend to part with less money when it comes to conveyancing. The price can also vary based on the kind of funding that you have undertaken. If you go for a mortgage lender, then you will choose a solicitor who will act for both you and the bank. Here is what affect the average conveyancing rates in Birmingham.

Parts of the Conveyancing costs in Birmingham

It is important for one to understand the different components of a mortgage so that you know what it is exactly that you will be paying for. The costs can be divided into two broad categories.

First is the basic solicitor fee plus the Value Added Tax. This is the amount the solicitor or conveyancer will ask you to pay him or her. It is usually paid at least in part before the solicitor starts any dealings. It usually comes with the VAT that is imposed mandatorily by the government.

There are other fees to be paid some of which are mandatory while some are optional. Many of them are fixed fee.

Local Searches

They are searches that are done by the solicitors as they look for information concerning the property in the local area. If any problem is found then, you will be notified immediately and be advised accordingly. It is also noteworthy to note that the more ‘heavier’ the news, the higher the amount that you will have to pay.

Stamp Duty

This varies with the price of the property such that those property costing less than 120,000 pounds do not pay Stamp Duty.

Registry Fee

This also varies with the price of the property but is equally a small fee compared to the property price.

Survey Fees

This is the amount that you will pay your surveyor who will determine the value of the property in question. This is a critical process, especially if a mortgage lender finances you.

Birmingham City as mentioned earlier has one of the lowest rates if any kind in the UK. However as a buyer and a seller you should always select a solicitor who fits your budget.

Top 5 Conveyancing Solicitors

Top 5 Conveyancing Solicitors in Birmingham

Birmingham is one of the leading cities in the United Kingdom. The city is considered one of the best for the selling and buying properties in the UK. The prime reason behind it is the facilities available from all aspects from the residential and commercial facilities. A seller or buyers thus look for the best solicitor in this area for hassle free and smooth conveyancing process. Here are the top 5 conveyancing solicitors in Birmingham who can give you quality service.

Top 5 Conveyancing Solicitors

Before moving on to the solicitors, one must understand the criteria of the solicitors to be preferred in the competitive market. The experience and quality of the counsel are of course two of the key parameters. However, the feedback, reputation, track record and the different schemes for the conveyancing process and affordability are also responsible for preferring such solicitors. It is not that there are only five good law and conveyancing firms, but these five are one of the best as per criteria. They are not in any particular order.


NBM Law is one of the most popular law solicitor groups in the Birmingham and the UK. One of the best law firms who have dedicated solicitors for the customers. There are different kinds of schemes available from the Government, and the NBM Law solicitors have a broad range of offers for all the clients in Birmingham. The NBM Law has different conveyancing rates like hourly, fixed or even no win no fee rates and these are considered one of the best prices for the buyers and sellers.

Lambert Pugh LLP

Lambert Pugh LLP is one of the most reputed law firms and has earned a good reputation for being one of the easiest law firms to deal with regarding conveyancing. However, it is not only famous in terms easiness to partner with but also regarding affordable rates and different schemes like fixed rate, hourly and others.

Reilly & Co

This is a law firm that has ensured that the conveyancing becomes one of the easiest in Birmingham. Birmingham is an attractive place for the property, and this law firm has ensured that people from different locations of United Kingdom can safely move in. All the rules, regulations, and formalities are explained and addressed during the conveyancing process. It also has affordable rates for the conveyancing.

Beaumont Legal

Beaumont Legal is also one of the leading and major law firms in Birmingham that can provide great assistance for the conveyancing process. The highly capable solicitors with strong background ensure high productivity and smoother process for the conveyancing within affordable price ranges.

My Home Move Conveyancing

My Home Move Conveyancing has been in the Birmingham for quite long time, and it enjoys a high reputation from the buyers and sellers. The swift process experienced and hassle free conveyancing approach are the major take away from the law firm. It offers various conveyancing schemes like “No Win No Fee”, Fixed Price, and Hourly rates.

online quotation Birmingham

Online quotation, a tool you can benefit from

Online quotation services for conveyancing are fast changing the industry. Today it is possible for one to source out for a conveyancer or solicitor online and even complete the whole deal without necessarily meeting with the conveyancer. The demand for real estate-related services has always been high. It is because of this high demand that there are many service providers out there. But with how busy people are, they don’t want it to make it to the office every time and wait long hours for appointments. Many of them are now taking advantage of the internet to market themselves to potential customers and also to provide efficient conveyance services to their clients.

With many players in the industry, it is important that one be very prudent when choosing your conveyancer. Remember the importance of the transaction, whether you are a seller or a buyer, the transaction is critical. Any mistake of letting something important go unnoticed may could cost you much money.

Benefits of online quotation sites

The primary consideration that people take when selecting a conveyancer is the fees. It is no secret that for many years before the onset of online conveyancing or online quotation. Local service providers used to charge high legal costs for their services. As wandering through many firms isn’t very convenient and time consuming for many people. Many took advantage of the difficulty there was in finding alternative conveyancers with lower rates and possibly better services. Today, however, the internet has enabled us to compare various conveyancers online through online quotation sites like

The process of getting a conveyancing quote is simple. It solely requires details on your property location, property status and few other details to get quotes compared for you. On you start by going to their homepage where you will be able to access their services. On the homepage, you will be able to clearly see how to proceed.

You will be required to provide your contact information which will enable the conveyancer and solicitor you choose to communicate with you. During the transaction, it is vital that you and your conveyancer remain in touch. The conveyancer will have to consult you on various issues all through the process.

After providing your contact information, you will then be offered conveyancing quotes for a few or various conveyancing firms based on the filters you included. Then you can then proceed to choose a conveyancer based on your requirement. Once you put in your quote and your location, the website or the app will be able to select the best options for you and their contact details. With that, you will be able to choose the best and contact them.

Options will also be provided based on factors like completion rate, online reviews from previous customers and so forth. Through all that, however, be sure to check all the details carefully before selecting an option that is within your budget.

Property lawyers near me

How to find best property lawyer near me in Birmingham

Property lawyers are very important for the people who are dealing with the selling and buying of the house. It is not only about the money involved in it but also about the time and energy of both the parties. Moreover, if an issue or legal complexity becomes dispute, then it can be a real headache for people. The bottom line of this is to find a good property solicitor who can guide them. But a question always comes in mind how to find the best property lawyers near me? Well, it is not very difficult to answer, but introspection and consideration of some conditions are vital.

How to find best property lawyers near me

Different methods can be implemented to find the best property lawyers in Birmingham. However, the best method is to find the feedback of various property lawyers or law firms in Birmingham. However, if the track record and past performance are not the vital criteria for you to select, then the cost comparison can be another way. The cost comparison method is rather simple. You need to find out the property lawyers in Birmingham from the internet and compare the prices by asking for the quotes. Now, you can also visit the four most affordable property lawyers with good feedback and reputation must be visited. The best one can be selected. However, finding the quotes for different property lawyers can be difficult for few people in Birmingham.

Property lawyers in Birmingham

Birmingham is a beautiful place and is a favourite place for property buying selling as well. There are many law firms and lawyers available in the Birmingham area, and these may be the property lawyers near be as well. However, here are some of the most reputed, popular and affordable lawyers in Birmingham.

Lambert Pugh LLP

Lambert Pugh LLP is one of the best law firms in Birmingham. This law firm is known for the property lawyers. The dedicated lawyers ensure that all the processes are followed before moving on to the dispute. There are different ways of arbitration, and other litigation methods are developed to make an understanding between the parties.

Reilly & Co

This law firm is known for the affordable and brilliant solutions for the property issues and disputes. Property lawyers should not focus on the debate first, and this lawyer firm has competitive price and with a wealth of experience and expertise.

Beaumont Legal

This is another legal and lawyer firm that abides by the regulations and also ensure that the dispute or the issues are solved. This law firm has a reasonable price, great feedback and of course high reputation.

These law firms are best property lawyers near me in Birmingham. However, as a person, it is always better to verify the details and parameters of the lawyers and law firms before finalising.

Birmingham Local Solicitors

Birmingham Local Solicitors

Birmingham is one of the most popular cities in the United Kingdom. There is hardly any house that is leaving unsold in this area. The proximity to London and the significance of the Birmingham city in the West Midlands make it one of the most desirable places in the country. Everyone looks for the right opportunity to buy the best house for the best agreed amount. Many things are part of the entire conveyancing process, and the solicitor is one among them. It is always better to hire Birmingham local solicitors to get the best service, but it is also important to compare the services, fees and the reputation of the local solicitors. Here is the comparison of the best local solicitors.

Well Known Birmingham Local Solicitors

These are the best Birmingham Local solicitors who are mostly preferred by the people.

Lambert Pugh LLP

This is a solicitor firm that has earned the reputation of being one of the best solicitors firms in this area. The prime reason for this has been the experience and the track record of the conveyancing firm. It has the no transaction no fee scheme; that means that no fee will exchange hands if the conveyance fails for any reason. The legal handling fees alone for the conveyancing for a purchase amount of

For a property worth £ 30,000.00, for example, it would be £345. However, the entire conveyancing quote of the Lambert Pugh LLP is around £912 including the Search, Disbursement fees, and various other Government Taxes. They are Conveyancing Quality Scheme accredited and highly trusted in Birmingham.

Reilly & Co

This is a law firm that has earned a unique reputation in the field of conveyancing. The practice of dedicated conveyancing makes it one of the best Birmingham Local Solicitors. The inclusion in the Law Society and Conveyancing Quality Scheme of Birmingham makes it even more special. The price for handling the conveyancing is around £425, and the total conveyancing cost should be around £996 including all Tax, Search fees, and disbursements. This is one of the most reputed and competent solicitors firms in Birmingham.


NBM Law is a firm that offers countrywide conveyancing services from London to Birmingham. They have years of experience and many CQS accredited solicitors working. They have a special work flow that helps them offer one of the best prices for conveyancing.

Fitted with online case tracker and helpful staff you can have you conveyancing case taken care of anywhere in England. The basic conveyancing fee should be around £ 340 while other charges depend on many other circumstances.

Beaumont Legal

This is a solicitor firm that is part of the law society and the quality schemes. The lawyers have earned immense respect in the past for the easy and smooth process of conveyancing. The basic price for the handling is around £ 340, and the total cost of conveyance for this firm comes out as £1009 inclusive of all Tax, Search Fees and Disbursement.

My Home Move Conveyancing

This is one of the leading solicitor firms in UK and Birmingham. Conveyancing has always been one of the best parts of their legal team, and they have done fairly good. The legal handling of conveyancing is around £470 for this firm. However, the total conveyancing cost would be around £1162. This company also takes care of the conveyancing cases online.

These are the best Birmingham local solicitors that can be an excellent choice for the people looking houses in this region for conveyancing.

Conveyancing Costs Birmingham

Conveyancing Costs Birmingham

Speaking of conveyancing costs is quite an interesting topic. The process of buying or selling a house could sometimes be compared to driving a speed car with your eyes closed. For it is an unusual feeling, on one hand, you have the great feeling of finally buying the house of your dream, or selling your property; on the contrary, is the whole process you have to go through to complete the transaction. Talking about conveyancing costs, Birmingham has quite many options, so this information is going to be helpful.

Let’s talk about Birmingham, a major city in the West Midlands of England. Besides London, Birmingham is the most populous British city, with a population of over one million people. Birmingham it is also a major international commercial centre and an important retail, transport hub. For that reason, the housing market in Birmingham could be as high as in London. The property prices in the city raised 7.9 percent in the past year; which is higher performance than any other region in the West Midlands. However, let’s get to the chase; what are the average estimated conveyancing costs for Birmingham?

Researching conveyancing costs

The method used to compare the conveyancing costs, and disbursements are the web research quotes. Which is a relatively simple way to find out the amount of money you are probably going to spend when buying or selling a property in Birmingham.

When selling or buying a house in Birmingham, the conveyancing fees you might encounter are the solicitor fee and VAT plus the disbursements. Let’s first talk about the conveyancing fees and then disbursements.

The conveyancing fees for when you are selling the house might vary from a postcode, and it could be higher or lower, but for Birmingham, you might be facing something around £320 to £430 in average. To this amount, you need to add the VAT fee, which is a value-added tax and it is something around £80, depending on the conveyancing fee.

Now when you are buying a house, the price for the conveyancing services go a little bit higher. The solicitor purchase cost you might find is £330 to £440, and VAT approximately £85.

When you are buying a house, you also need to remember the disbursements. A disbursement is an amount of money solicitors will likely need to pay out to complete any transactions on your behalf. Usually, buyers have more disbursement fees than sellers. The purchasing conveyancing disbursement costs you might encounter are the Land Registry documents, which is around  £6; Stamp Duties could get up to  £2,500; other fees such as Local Authority, drainage, chancel, environmental could get up to  £320; Registration of Titles could go from  £135 to  £270. Some of those costs are not fixed, and it all depends on the location of the property and other circumstances.

In case that you need more accurate numbers, you need to go through the process yourself.  You likely need the right address and postcode of the property and the price the property is listed. Also, it is important to know if it is going to be a freehold or leasehold. Are you using a mortgage? Those are all questions you need to know and keep in mind all the costs will vary according to where the property is, and its price and also, from one conveyancing company to another.

conveyancing estimates Birmingham

Birmingham Disbursements and Conveyancing Estimates

Are you looking for a property in the Birmingham area and thinking about the overall cost to be incurred? Well, if you are in the process then it is vital to understand that any standardize conveyancing estimates do not work in Birmingham or any other places in the United Kingdom. The estimates and the budget are different from each and every place in the UK and Birmingham is not different either. There is a separate budget for the solicitors and the disbursement fees that overall make up the Conveyancing cost and estimates.

What are Conveyancing and Disbursement?

Conveyancing is the process of transfer of the property or house both freehold and leasehold from the seller to the buyer. However, there are many legal procedures to the conveyancing process, and there are different costs related to these. Many local authority searches help determine the authority, validity and of course the ownership of the property. There are search fees included, and the buyer has to pay an extra amount for the disbursement process apart from the solicitor fees.

Conveyancing Estimates for Solicitor Fee

The solicitor fee varies with the solicitor or the firm he is related with. There are certain parameters like experience, reputation and success history that may influence the rate. However, on average if the quote of a solicitor is considered then the approximate figure for solicitor fee is around £500. However, this may vary from £350 to £650 depending on the location, estimates and price of the property.

Disbursement Conveyancing Estimates

Disbursements are third party costs, but they are also a part of total conveyancing cost. There are different local searches that the solicitor performs before getting the clearance from all the authorities to go ahead with the conveyancing process. Registration and request for information from authorities will also require some expenses. Here are the different searches and estimates for the same.

Bankruptcy Search

This is important for the Mortgage as well. The buyer or anyone named in the mortgage should not be bankrupt. The fee for it is generally below £5.

Local Authority Searches

The Local authority searches are to determine that the property is under all the prescribed guidelines. Planning Applications, Enforcement Actions, and the Permissions are analyzed before consideration before going ahead. The fee for the searches varies but it is generally within the range of £100 to £200.

Land Registry Office Copies

This is under £10, and it is done to establish that the seller owns the property, and he is the title holder.

Environmental Search

This is not included in the Local Searches and is considered to avoid soil, flood, and other natural contamination. The property should be free from any allegation from environmental searches as well. The fee is generally around £60 including VAT.

Land Registration Fee

It may vary as per the purchase amount of the property is from £20 to £910. However, the amount should be fixed as per the price of the property.

There are different other disbursement fees as well that may come into the budgets like Local Searches of mining and others, telegraphic transfer, drainage and Stamp Duty. The overall cost for the rest of the disbursement can be around £200.

Compare Conveyancing Birmingham

Compare Conveyancing in Birmingham

The real estate has always been a rather challenging market to master even entirely for the professionals. The variables that determine the prices of the property can quickly change depending on the economic climate. In the UK buying or selling a house is not easy and may require all the help you can get. Most people rely on their Realtor to do the hard work for them. A realtor can do a lot for you. It is them who are involved in the hard work of actually searching for a house on the market for buyers and for sellers they list your property on the market seeking for the best deals. No matter the challenges, you have to be informed about what you will expect. The first thing you’ll need to do is compare conveyancing firms in Birmingham.

In Birmingham, a city whose population is just over 1 million the real estate market is one of the most competitive in the country. Besides the challenge of the market in Birmingham, there is the issue of getting your legal papers pertaining to the piece of property you wish to sell or buy. In a country that prides itself on the laws, we make it is vital for one to get your papers taken care of by a professional.

The legalities of a real estate transaction are taken care of by a legal conveyancer or a solicitor who majors in real estate. It is the conveyancer who transfers the property titles from the seller to the buyer. It is thus crucial to get the best conveyancer that you can afford. In Birmingham, there are hundreds of practicing conveyancers and solicitors and like any market, not all of them will perform at the required level. It is up to you to choose the best from the vast pool of labor in the city.

Compare Conveyancing Firms

Firms like Anthony Stockton Solicitors Birmingham, NBM Law, and Relly & Co Solicitors are one of the best-known solicitors in the city. However to choose you will need to compare conveyancing quotes, quality, and experience of the Firms in the city. There are some factors you will need to consider before settling on a solicitor or a conveyancer.

The first and obvious factor is the cost. In the UK the average fee for a conveyancer is about £850, a modest sum considering the price of the property that you are going to sell or buy. The mortgage or remortgage company may include legal costs so that they deal with the legal process themselves. If they do not provide the services themselves, you may be required to seek a solicitor that is approved by the lender. To get the best deal you can request for quotes from two or three conveyancer firms and then weigh to see which suits you best. You can also check their billing methods, some may charge only a fixed fee, on an hourly basis or as a percentage of the property price.

There should also be constant contact between you and your conveyancer. You should always have their phone number or their email.  Other firms have an online case tracking system that will allow you to track the progress of the transaction and ask questions if necessary.

As a buyer, you should always be keen to ensure that you make the right decision. Your conveyancer will determine the success of the transaction and also the legal fees that you will be parting with.

Birmingham Law Society Solicitors

Birmingham Law Society Solicitors – Significance and Advantages

Birmingham is one of the major cities in the United Kingdom. One of the best places to live and stay, Birmingham has always been one of the favourites for the people who are looking for properties. Conveyancing is one of the most important aspects of the transfer of properties and properties. However, there are many things associated with the conveyancing process. Solicitor is one of the most aspects that can define the entire course of the conveyancing process. Buyers and Sellers look to choose the best solicitors and the best way to find the best solicitor is to find the Law Society Solicitors. However, what is Law Society Solicitors and how they are significant? The significance of these solicitors is beyond the conception of typical conveyancing concepts.

Who are Law Society Solicitors?

Law Society Solicitors are the solicitors who are accredited by the Law Society. Every area has the own professional council or Law Society that accredits recognized and professional solicitors. The Birmingham Law Society does the same with the solicitors. These solicitors are recognized by the Law Society and also it furthers enhances the credibility of the solicitors for the conveyancing process. There are scores of advantages for reaching out to the Law Society Solicitors.

Benefits of Law Accredited Solicitors

There are many advantages of law accredited solicitors that are available in most of the parts of Birmingham. They are credible solicitors as they are already recognized by the Law Society. So, the buyer or the seller needs not to worry about the authenticity of the solicitors. Similarly, the solicitors are accountable to the Law Society, so if anything goes wrong, the Law Society can be immediately contacted.

The conveyancing process should be transparent and fair. The solicitors associated with the Law Society should be fair, transparent and professional. Many solicitors are accredited and recognized by the Law Society, and they are always preferred for the conveyancing in Birmingham.

Law Society Solicitors in Birmingham

Here are some of the famous and popular solicitors associated with Law Society in Birmingham.

Anthony Collins Solicitors LLP

This is one of the most reputed law firm accredited by the Birmingham Law Society for residential conveyancing. The dedicated solicitors for conveyancing and the transparent process make it one of the best in Birmingham. They are located at 134 Edmund Street.


This is another Law Society accredited solicitors firm that are known for the excellent service and convenient conveyancing process. The law firm has been into residential conveyancing for a long time.

Pearson Rowe Ltd

This is again an important law firm known for the services and transparent process. Different schemes for the buyers and sellers for the conveyancing process and the association with the Birmingham Law Society are the highlights of the law firm in Birmingham in the United Kingdom.

Maurice Andrews

Maurice Andrews is an individual solicitor who is known for the skills and conveyancing expertise. One of the best solicitors in Birmingham, Maurice Andrews, is accredited by Birmingham Law Society.