In-Deed online is a national conveyancing company that delivers cutting-edge property legal services for Portsmouth and Hampshire home-buyers and -sellers, as well as anyone wanting to remortgage or transfer equity from their current home.
We offer conveyancing on a 'No Completion, No Fee' basis, so you only need to pay legal costs if and when your transaction completes, and you will always know, with our fixed-fee quote, exactly what you will be invoiced at that point. Read more about our guarantee here.
Whether you are moving to or from Portsmouth, we will make the conveyancing simple and as swift as possible. 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].
The Portsmouth area
Portsmouth is located in Hampshire in the south of England and is approximately 21 miles from the county town of Winchester. A renowned port city, Portsmouth is the traditional home of the British Royal Navy, with over two-thirds of its surface fleet there.
Shops in the area include Bakers Oven bakery and Tangier Road Butchers Ltd., while Portsmouth also has access to a number of branches of all the major supermarkets. The 'Waitrose effect' is a property phenomenon based on people's perceptions: if there is a Waitrose in the vicinity, it must be a good area; however, this perception pushes up prices.
Local pubs include the Fleet, the White Swan, and the Yates's, and some of Portsmouth's tourist attractions are HMS Victory, the D-Day Museum, Spinnaker Tower, Historic Dockyard, HMS Warrior, and the Mary Rose Museum.
Are you thinking of moving to Portsmouth or its environs? Worried about the legal costs and how to manage that? Let In-Deed take the anxiety away. We assign you to one of the best conveyancing solicitors with great local knowledge, and who is focused on results and completing as quickly as possible without compromising on service quality. Call our advisers on 0800 038 6886 to find out more.
Portsmouth conveyancing solicitor fees
In-Deed's fixed-fee promise means the amount on your initial quote is the amount that you will pay at the point you actually move and successfully complete, so you'll always be in control of your budget.
Some lawyers conceal additional fees in their terms and conditions (although the legislation introducing the need for transparency should help to eradicate this practice). Until this takes effect, fees to look for often include charges for repaying a mortgage on the sale of your property, or for arranging insurance.
What to look for when comparing conveyancing quotes from Portsmouth solicitors
Properly comparing Portsmouth solicitor conveyancing quotes is often hard. See our helpful guide which shows you the things to look out for in the small print when hunting for any extra fees .
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House price data in Portsmouth
|Feb 16||Feb 17||Feb 18||Feb 19|
In common with most parts of the country, Portsmouth has experienced a healthy house price growth in recent years, although this has slowed (even reversed with some flat and maisonette prices going back down). This stagnation may be an effect of general uncertainty until the Brexit situation is concluded.
- All properties - £207,916 (a fall of -0.2% since February 2018 but a rise of 12.7% since February 2016)
- Flats, apartments and maisonettes - £156,747 (a fall in value of -1.9% since February 2018 but a rise of 12.0% since February 2016)
- Terraced houses - £218,656 (a rise of 0.4% since February 2018 and 12.8% since February 2016)
- Semi-detached houses - £283,761 (a rise of 1.2% since February 2018 and 14.5% since February 2016)
- Detached houses - £416,792 (a rise of 1.0% since February 2018 and 14.5% since February 2016)
House price data retrieved on 19 April 2019 (©2019 HM Land Registry)
The 'Help to Buy' scheme
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.
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.
Local Government and Council Tax for Portsmouth
Portsmouth is controlled under the auspices of Portsmouth City Council (which is controlled by the Liberal Democrats with no overall control after the 2018 local elections). The council tax bands for tax year 2019/2020 are:
- Band A - £1,110.57
- Band B - £1,295.66
- Band C - £1,480.76
- Band D - £1,665.85
- Band E - £2,036.04
- Band F - £2,406.23
- Band G - £2,776.42
- Band H - £3,331.70
This means that council tax charges are about the average for the rest of the country.
(Information retrieved on 24 April 2019 from the Portsmouth City Council website.)
The conveyancing process in Portsmouth - a guide
Choosing a quote
The first step in the process comes with finding a conveyancing solicitor to carry out the legal work on your behalf.
Remember to check the terms and conditions for hidden fees before you make a final decision - note that recent legislation regarding transparency in this area has been implemented and this practice should eventually die out.
Instructing a solicitor
Your property lawyer will now take you through their firm's appointment process.
To do this, you need to scour their terms accompanying the quote for any of the aforementioned hidden charges, such as costs for shared ownership cases, before you consent to appoint them, so that you understand exactly what you're getting for your money and when you're expected to pay for it.
The draft contract confirms the sale price, the identities of the two parties, deposits, and title deed information, and is sent to the buyer's conveyancing solicitor from the seller's.
By this stage, the buyer should also receive their formal mortgage offer.
Obtaining a HomeBuyer Report or Building Survey
A home survey is strongly recommended to help establish if there are any structural issues (e.g. existence of asbestos, absence of a damp-proof course, and dangerous modifications). Maritime-zone weathering is also an example of a regional issue pertinent to the Hampshire coast, and this may require a specialist investigation.
There are four standard searches: Local Authority, Environmental, Drainage and Water, and Chancel Liability, which your mortgage will require at the very least in order to give you an offer. These searches review many issues, including details of conservation area controls, history and risk of flooding, and whether the Parochial Church Council has a valid claim on you to pay costs of their buildings' upkeep.
Exchange of contracts
When both parties are satisfied with the final contract, the two sides sign it. The purchaser then transfers the deposit (in most cases, this is ten percent of the sale price, but the precise amount will be agreed pre-exchange).
Any remaining money due is delivered to the seller's conveyancer, and the buyer collects the keys to their new home.
Want to get your conveyancing under way today? Call our waiting team of advisers on 0800 038 6886 right now.
Often law firms almost exclusively sell the advantages of conveyancing online, including case- tracking and SMS updates (texts), as the primary way of speeding up the conveyancing process.
However, important though these tools are, the key to a faster, easier move is the appointment of a diligent, communicative and efficient solicitor. Working with In-Deed's solicitors, you will get the advantage of both 21st-century conveyancing solutions and the assistance of a dedicated property lawyer.
Talk to us on 0800 038 6886 to find out what In-Deed can do to speed up your conveyancing and complete your move early.
Conveyancing when remortgaging a property in Portsmouth
Our carefully-selected solicitors can help you if you're thinking of remortgaging a house or flat in Portsmouth. Our solicitors have designed state-of-the-art remortgage systems and processes which allow them to offer a communicative and bespoke conveyancing service.
Our team of solicitors are all accredited under the Conveyancing Quality Scheme (CQS), and they are on all major and smaller building society and bank panels from Dudley Building Society to Scottish Building Society, so they will be able to smooth the passage of obtaining a mortgage; in addition, you won't be forced to pay for your lender's legal bills as well as your own
So it makes sense to choose In-Deed for your conveyancing. To find out more, why don't you call In-Deed's team of conveyancing advisers on 0800 038 6886? Or you can drop us a line by emailing [email protected].