Conveyancing in Milton Keynes

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Conveyancing Solicitors Milton-Keynes

In-Deed is a national network of solicitors, which provides client-centric legal services for property-buyers, -sellers and remortgagers in Milton Keynes and across the Home Counties.

We promise a great value, fixed-cost legal service with no hidden fees in order to help you from the outset in managing the increasing cost of moving. You can read more here about our ‘No Completion, No Fee’ guarantee.

Wherever you live in Milton Keynes, our property solicitors will make your sale or purchase as quick and easy as possible, working hard to achieve as early a completion on your transaction as possible.

Try out our online quote calculator, or call us on 0800 038 6886 to discuss your conveyancing needs with one of our advisers. Or you can drop us a line by emailing [email protected].

Living in Milton Keynes

Milton Keynes is located in Buckinghamshire in Southeast England and is approximately 13 miles (21 kilometres) from Aylesbury, the county administrative centre.

Milton Keynes was formed as a new town in 1967, and is probably best known when travelling for its American-style grid-pattern in the construction of the roads. Most famously, Milton Keynes is the home of Bletchley Park, which was integral in the Second World War in cracking the German Enigma codes under the direction of Alan Turing.

Restaurants in Milton Keynes include the Brasserie Blanc, Middletons Steakhouse and Grill, and Las Iguanas, while drinkers might enjoy the patronage of the Slug and Lettuce, Missoula Montana Bar and Grill, and the Countryman. Visitors to the area and residents have access to a number of attractions and places to visit, including Gulliver’s Land, the concrete Cows, and the National Museum of Computing.

Many locals buy the weekly shop at Milton Keynes's Waitrose, located at Babbage Gate. Recent surveys have suggested that residences in areas with a Waitrose are generally valued higher by an average of 25%. A few property specialists may not be persuaded by the so-called ‘Waitrose effect', but it remains a factor to consider if you are purchasing a home in the vicinity of an outlet.

Are you looking to buy or sell a home in Milton Keynes? Or perhaps you want to transfer some equity from the value of your current Milton Keynes home? Whatever you are planning to do, let In-Deed’s experienced solicitors look after the legal side of things, reducing some of the worry associated with moving home. Call our advisers on 0800 038 6886 to find out more and be assigned to one of the best conveyancing solicitors in Milton Keynes.

House price data in Milton Keynes

Milton Keynes house prices (in £1,000s)
  Feb 16 Feb 17 Feb 18 Feb 19
241 255 266 252

In common with many towns and cities across the country (especially towards the south), Milton Keynes has enjoyed recent year-on-year house price growth, but a stagnation and price reduction in the last year (across all property types). This is likely to be due to uncertainty created by political and local economic impacts in the wake of Brexit and other issues.

  • All properties – £251,877 (a fall of -5.2% since February 2018 but a rise of 4.4% since February 2016)
  • Flats, apartments and maisonettes – £145,229 (a fall of -7.3% since February 2018 but a rise of 3.1% since February 2016)
  • Terraced houses – £209,420 (a fall of -4.9% since February 2018 and a rise of 4.1% since February 2016)
  • Semi-detached houses – £251,800 (a fall of -4.3% since February 2018 and a rise of 5.3% since February 2016)
  • Detached houses – £419,920 (a fall of -4.5% since February 2018 and a rise of 5.5% since February 2016)

House price data retrieved on 14 May 2019 (©2019 HM Land Registry)

According to the Milton Keynes Council website (retrieved on 15 May 2019), there are 27 conservation areas under their control, including Bletchley, Castlethorpe, Woughton-on-the-Green, Stony Stratford, and Milton Keynes itself. To buy a home in the location of one of these conservation areas means potentially paying a premium of around 10% over those houses not found in one. This is because the rate of change is controlled to protect the environment of architectural or historical significance. The issue, of course, is that this attraction for buying such a home means a potential increase in the maintenance budget to conform with the conservation area requirements.

Conveyancing when remortgaging in Milton Keynes

In-Deed's carefully-selected solicitors and licensed conveyancers can help anyone planning to remortgage a property in Milton Keynes, or if they wish to transfer some equity from it.

Our specialist team have devised class-leading remortgage systems and processes assisting our solicitors in offering a speedy and individualised service.

Our conveyancing property lawyers can take instructions for all banks and building society panels, from Saffron Building Society to Clydesdale Bank, thus ensuring that you are not landed with paying their legal bills for sorting out your loan.

Call us on 0800 038 6886 to discuss your remortgaging conveyancing needs with one of our advisers.

Milton Keynes solicitors’ legal fees

In-Deed gives you a guaranteed, fixed-fee quote before you instruct a solicitor for your Milton Keynes sale or purchase, so that you are always in control of your budget for the legal side of your transaction.

We bring this particular point out in sharp focus because it’s some solicitors’ practice to hide additional fees in their terms of engagement. These fees are sometimes an obvious part of the standard conveyancing transaction from the start and should, therefore, be included in the basic quote. For examples, look for items like extra legal fees for acting on a new-build transaction, or for filling in a standard SDLT (stamp duty) form. Note that, while there has recently been introduced new legislation governing the transparency of the legal fee structure, it is still advisable to check the small print so you are clear on what you are paying for and how much the invoice will be.

Try our online quote calculator to see how low our fees are and how clearly laid out the quote is. Or call us on 0800 038 6886 to discuss your conveyancing needs with one of our advisers.

Milton Keynes local government and council tax

Milton Keynes is administered by the Borough of Milton Keynes Council (which is under no overall political control since the local elections in 2019). Council Tax brackets for the tax year 2019/2020 are:

  • Band A - £1,124.13
  • Band B - £1,311.47
  • Band C - £1,498.84
  • Band D - £1,686.19
  • Band E - £2,060.91
  • Band F - £2,435.61
  • Band G - £2,810.32
  • Band H - £3,372.38

This means that council tax charges are 1%-2% higher than the average for the rest of the country.

Information retrieved on 15 May 2019 from the Borough of Milton Keynes Council website.

Online conveyancing for Milton Keynes transactions

Technical solutions like case-tracking applications and automated email updates are frequently marketed as the secret to a fast and low-cost move by many online conveyancing firms.

There is absolutely no doubt that, in the right hands, these tools can be a boon to facilitating the smooth transition of your transaction. However, the real key to a faster, easier move comes in appointing a communicative and diligent solicitor, irrespective of the technology they use.

With our solicitors at In-Deed, home-movers will enjoy the advantage of online conveyancing technology and the support of a dedicated property lawyer, who will also bring a wealth of local knowledge to bear on your transaction.

Get your quote online, or call us on 0800 038 6886 to talk to one of our advisers.

Buying in Milton Keynes with ‘Help to Buy’

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, which, for Milton Keynes, is the Bedfordshire Pilgrims Housing Association (Tel: 03333 214044).

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.

Guide to property conveyancing in Milton Keynes

  • Selecting a quote for your conveyancing - First, you should objectively seek a conveyancing solicitor based on your priorities, preferably one offering a fixed quote, protected by a ‘No Completion, No Fee’ guarantee. Remember to check the terms and conditions for any additional costs before you decide, because otherwise you may be stung by unexpectedly mounting costs at the end of the transaction, notwithstanding the transparency legislation designed to prevent such practices.

  • Instructing your solicitor - At the point you have decided which lawyer you would like to handle the legal procedure for your Milton Keynes move, you will have to formally engage their services. You should check their small print for any of the aforementioned concealed conveyancing charges (such as fees for acting on a new-build) before you sign them. Ask for any clarification to be presented in writing.

  • The pre-contract stage - The conveyancing solicitor, once instructed, will make contact with the lawyer acting for the other side to negotiate the draft contract. This document sets out details of the deposit, the agreed property price, and relevant details of title deeds.

  • Instruct your surveyor to inspect the home - A local surveyor with experience on Milton Keynes properties will spot any structural problems, such as cavity wall issues or rising damp. Clay soil is an example of a local issue that is common in South-East England, which might be an indicator of subsidence if not managed properly.

  • Conveyancing searches - Chancel Liability, Local Authority, Environmental, and Drainage and Water are the four standard searches that are ordered by solicitors. They are the set that your lenders will also require to ensure the level of risk they run with offering you a loan on the specific property. These searches investigate numerous aspects affecting the property, including conservation area restrictions, and whether the house has a high flood risk, to ensure there are no legal complications with purchasing the new home.

  • Exchange of contracts - After the purchaser’s mortgage offer is in place, the terms have been agreed, and the deposit is ready, contracts are then exchanged. Both sides are now obligated to complete the transaction.

  • Completion - On an agreed date, the deeds from the seller are handed over to the purchaser, after payment of the balance of the sale price is made. The keys to the property may then be collected from the estate agent.

For more information, get your Milton Keynes quote, or call our team of conveyancing advisers on 0800 038 6886.