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Buying Costs

Your conveyancing bill will be influenced by many factors. Not all solicitors charge the same; Stamp Duty increases substantially at different price breaks; buying leasehold property can add to the cost of conveyancing etc. There is no substitute for asking your conveyancer for a breakdown of your estimated costs, however, the following information will give you an understanding of how, why and where your money will be spent:

Not all conveyancers/solicitors charge the same. Neither are their services identical. At the budget end of the spectrum, there are firms whose charges are fixed regardless of the purchase price. Be warned though, cheapest is not always best!

VAT (Currently 20% of the conveyancer’s fee).

Financial Services
Please visit our Mortgage page for details of our recommended advisors.

Stamp Duty
Please refer to our stamp duty calculator

Local Authority Search (Land Charges)
Varies according to the local authority. Typically £100 to £200 for a standard search. If required your solicitor can ask additional questions- at an extra cost.

Land Registry
All property transactions in England and Wales are now registered with the Land Registry. The cost of registering your transaction will vary according to the purchase price.

Mortgage Indemnity Guarantee Premium
(Not strictly a conveyancing cost – but may need to be considered)
Some lenders require an insurance policy to cover any amount borrowed in excess of 75% loan to value The amount is either taken as a one-off payment, or sometimes it may be added to the monthly payments. However, increasing numbers of lenders are now not making this charge at all.

VAT (Currently 20% of the conveyancer’s fee).