Conveyancing in Lincoln

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Conveyancing Solicitors Lincoln

In-Deed is a national conveyancing company providing customer-focused legal services to Lincoln home-buyers and -sellers, and to anyone wish to remortgage or transfer equity from their current home.

Our competitive, fixed-cost legal service comes with no nasty surprises, which helps take the uncertainty out of the growing cost of moving home. You can see our exclusive ‘No Completion, No Fee’ guarantee.

Whether you live or want to move in Lincoln or anywhere else in the UK, we make the conveyancing process quick and efficient, and cost-effective. Our highly-qualified conveyancing solicitors make the legal side of your move so simple. Why not try our quote calculator to see how competitively low our prices are? Or you could call us on 0800 038 6886 to talk to one of our advisers, who will guide you through the process with the minimum of fuss. Or you can drop us a line by emailing [email protected].

Living in Lincoln

Lincoln has a population of around 95,000 people and is the county town of Lincolnshire in the East Midlands. With remains of settlements found from the Iron Age and Roman occupation, Lincoln’s economy has thrived on agriculture and tourism, and it boasts many old buildings and items of interest, such as a copy of the 1215 Magna Carta.

Unsurprisingly, one of the local pubs is also called the Magna Carta, while the Horse and Groom and the William Foster also garner high praise from patrons who have rated them.

Of the attractions available, Lincoln Cathedral, Hartsholme Country Park, Whisby Moor, and the Museum of Lincolnshire Life are popular.

Lincoln's locals may buy their groceries at Foster’s Butcher and Baker, A. W. Curtis & Sons Butcher, and Bedfords Fruit and Veg, although the supermarkets all have at least one branch located in or around Lincoln. The kudos of the Waitrose name – there is a branch on Searby Road – is greater than a place to get fruit and vegetables. Living near a Waitrose can boost your house's value by an average of 25%. Some estate agents may not be convinced by 'the Waitrose effect', yet it is something to bear in mind if you are purchasing property in the area.

Planning on moving to Lincoln or its suburbs? Keen to get a great conveyancing service at a competitive price? Let In-Deed look after you and the legal side of your move. Call our waiting advisers on 0800 038 6886.

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Conveyancing solicitors for your remortgage on a Lincoln property

Are you going to remortgage a house or flat in Lincoln? Or looking to transfer equity out of the property? Our solicitors have invested in class-leading remortgage technologies assisting our conveyancing property lawyers in offering a speedy and highly bespoke service.

In-Deed's solicitors can work with all major and smaller mortgage lender panels, from Virgin Money to Halifax, which means you won’t have to foot their legal bill in order to sort out the mortgage offer.

Call us on 0800 038 6886 to talk through your needs and plans with one of our conveyancing advisers.

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House price data in Lincoln

Lincoln house prices (in £1,000s)
  Feb 16 Feb 17 Feb 18 Feb 19
138 138 151 152

At times of political or economic upheaval, such as the resolution of the Brexit issues, house prices often reflect that turmoil by going down or at least remaining static. While some UK cities have been unaffected to a large degree, Lincoln has suffered a stagnation in the year to February 2019, with flat prices being reduced in that period.

  • All properties – £151,766 (a rise of 0.5% since February 2018 9.6% since February 2016)
  • Flats, apartments and maisonettes – £102,415 (a fall in value of -2.1% since February 2018 but a rise of 8.3% since February 2016)
  • Terraced houses – £125,739 (a rise of 0.3% since February 2018 and 8.5% since February 2016)
  • Semi-detached houses – £164,448 (a rise of 1.3% since February 2018 and 10.7% since February 2016)
  • Detached houses – £244,151 (a rise of 1.2% since February 2018 and 10.9% since February 2016)

House price data retrieved on 19 April 2019 (©2019 HM Land Registry)

With Lincoln being an historical town, there are 11 conservation areas, managed by the Lincoln City Council, and include the cathedral and city centre, St. Catherine’s, Sibthorp Street, and Newport and Nettleham Road. Naturally, buying a house in an area where change is managed closely means that you are likely to be paying a premium; equally, you’ll probably need to increase your planned maintenance budget in order to meet the conservation area requirements.

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Online conveyancing quote

Legal and property bloggers have frequently commented on the commonly-advertised benefits of conveyancing online, including automated updates and case-tracking, suggesting that use of these is the only way to speed up the conveyancing process.

However, actually the key to a less stressful transaction comes in appointing a proactive and communicative solicitor, regardless of the software they use (important tools though these things are).

Working with our solicitors at In-Deed, home-movers will enjoy the benefit of 21st-century conveyancing solutions and the presence of a dedicated property lawyer, who possesses a wealth of local knowledge too.

To get your free online quote, try our quote calculator, or call us on 0800 038 6886 to talk through your needs and plans with one of our conveyancing advisers.

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Lincoln conveyancing solicitor fees

If you require a residential property lawyer who covers Lincoln, at In-Deed, we can offer a fixed-cost quote with no hidden additional costs.

Many solicitors have been known to sneak fees into the small print of the terms of their conveyancing quote as a way of improving the attractiveness of the headline quote. Examples of such items to watch out for often include charges for calculating service charge arrears, or for postage and telephone calls.

Note, though, that there is new legislation designed to stamp out this practice by requiring the solicitor’s firms to be transparent about their fee structure. Nevertheless, it still remains a good idea to read all the documentation so that you know what you’re getting for your money and how much it’s going to cost you.

Comparing conveyancing quotes from Lincoln solicitors

The trick to comparing Lincoln solicitors’ quotes is to search through all the terms and conditions for any of the aforementioned additional costs. Have a look at the following helpful list of common additional fees which aids you with searching for any extra costs, such as fees for getting a leasehold management pack.

See related articles
Why you should beware cheap, online conveyancing fees
Conveyancing costs | A guide to the hidden fees your property lawyer may also charge for

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Local authority for Lincoln

Lincoln is in the City of Lincoln Council (Labour-controlled as of the 2016 local elections). The council tax bands for the 2019/2020 tax year are as follows:

  • Band A - £1,205.76
  • Band B - £1,406.72
  • Band C - £1,607.68
  • Band D - £1,808.64
  • Band E - £2,210.56
  • Band F - £2,612.48
  • Band G - £3,014.40
  • Band H - £3,617.28

This means that council tax charges are 8%-9% higher than the average for the rest of the country.

Information retrieved on 29 April 2019 from the City of Lincoln Council website.

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’Help to Buy’ in Lincoln

This government-sponsored scheme aims to assist homebuyers with three ways of purchasing a property:

  • Help to Buy ISA - if you are a first-time buyer and don’t own any other property (anywhere in the world), and you don’t have another cash ISA opened in the same tax year, when you buy your first home, the solicitor will apply for the government bonus on your behalf when closure of your Home to Buy ISA used to buy the property is confirmed.
  • Help to Buy: Equity Loan - if you have no other property and are buying a newly-built home, the government will provide 20% of the cost of the house (up to a maximum of £600,000), leaving you with the saved 5% deposit and a 75% mortgage to cover the remainder. This is open to current homeowners and first-time buyers, and the home cannot be sublet nor can it be used in a part-exchange deal.
  • Help to Buy: Shared Ownership - if your household earns less than £80,000, you could be eligible for this scheme, which allows you to buy between 25% and 75% of the home’s value, while the government pays the remainder on which you would then pay rent.

(information retrieved from HM Government’s Help to Buy website on 16 April 2019).

Contact the Money Advice Service, the government’s Help to Buy website, or your local ‘Help to Buy’ agent for more information. Orbit (Tel: 0345 850 2050) is the local ‘Help to Buy’ agent for Lincoln.

To find out how In-Deed can help with the legal side of the various Help to Buy schemes and what it means to your planned property purchase, give our helpful advisers a quick now on 0800 038 6886 and get your conveyancing kick-started today.

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How a property lawyer carries out the conveyancing in Lincoln

  • Obtaining a quote for your conveyancing - Selecting the recommendation of the agent is often not cost-effective, since they will almost certainly opt for the firm that pays the highest referral fee, and many homebuyers do more research to find a good property lawyer.

    Ensure that you check the terms for any additional costs prior to instructing your chosen solicitor. And be prepared to question anything you don’t understand, requesting the response to be returned in writing.

  • Getting a solicitor - Before anything can happen, you will need to formally instruct your property lawyer in Lincoln. This will require you to check, agree to and sign the solicitor’s terms and conditions, including all the small print.

  • Initial phases - The contract confirms information about the transaction, including the deposit and purchase price, and is sent to the buyer’s solicitor from the seller’s lawyer. The contract is finalised, and a preliminary date may also be agreed for completion.

  • Obtain your RICS HomeBuyer Report or Building Survey - This is essential to be able to spot potentially expensive structural problems (for instance, flashing issues, bowing roof trusses, or problems with a flue). Interlocking clay tiles are an example of a local concern that is common in Lincolnshire.

  • Conveyancing searches in Lincoln - There are four routine searches: Environmental, Drainage and Water, Chancel Liability and Local Authority. These look into a broad range of aspects affecting the property, including compulsory purchase orders, location in a conservation area, and whether the church has a call on you to pay for the upkeep of their buildings. These are also the basic searches required by your mortgage lender.

  • Exchange of contracts - Once the deposit is ready, and the terms of the contract are agreed, contracts are exchanged. The parties are now legally bound to go through with the transaction; to do otherwise will have legal and financial implications.

  • Completion - This happens when the seller’s solicitor certifies that they are in receipt of the money that is due to be paid. The purchaser can then collect the keys to their new property, usually from the estate agent.

To get your free online quote, try our quote calculator.

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