Conveyancing solicitors in Carlisle
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Buying a house in Carlisle
Located in the county of Cumbria, Carlisle lies in the far reaches of North West England, close to the country’s border with Scotland. With a population of over 100,000 in the wider city area – which the council wishes to continue growing – now is a good time to get into the property market in Carlisle.
At My Home Move Conveyancing we have been improving our knowledge of local markets since 2002, enabling us to deliver a specialist, fixed fee conveyancing service to our clients in Carlisle.
You’ll need to instruct a lawyer to complete the legal work on your behalf if you are looking to buy or sell property in Carlisle.
My Home Move Conveyancing can offer you an award winning level of customer service, market-leading use of technology and detailed knowledge of the local area. Our conveyancing solicitors services in Carlisle come with a fixed fee with no hidden extra costs, so you’ll know exactly how much you’re going to pay from the outset. Moreover, if you don’t end up moving, you won’t have to pay us a thing in legal fees.
Each of our clients is provided a dedicated conveyancing solictor who will oversee your case from start to finish, giving you a consistent point of contact and regularly updating you on any progress. At My Home Move Conveyancing we are proud to offer our conveyancing service to customers across the Carlisle area, from highly sought-after spots such as the Eden Park and Lowry Gardens areas to popular suburban neighbourhoods including Cumwhinton and Wetheral.
Local statistics
The average house price in Cumbria is £122,051, while during the past year the overall average sale price of properties in Carlisle was £129,581.
Most sales involved terraces properties, which went for an average of £104,867, while semis sold for an average of £128,122. Detached properties fetched £209,687 and flats £94,907.
Essential info
The local authority responsible for properties is Carlisle City Council. They can be contacted on 01228 817 200 or at the following address:
Carlisle City Council
Civic Centre
Carlisle
Cumbria
CA3 8QG
The local area
Carlisle’s ancient history encompasses its status as a prominent stronghold of Roman Britain, while more recently the Industrial Revolution transformed Carlisle into a densely populated mill town thanks to the introduction of textile manufacturing.
Nowadays Carlisle is Cumbria’s only city, and offers a compact city centre with draws such as Carlisle Cathedral, a 19th century citadel and the Tuille House Museum and Art Gallery.
There are some excellent schools in the area that will please families with children, including Stanwix Primary, Kirkbampton C of E and Ivegill C of E for those of a younger age. Secondary options include Trinity School on Strand Road, Newman Catholic School and Dalston’s Caldew School, while the University of Cumbria has four campuses in Carlisle.
The city is linked to the national motorway network by the M6, which skirts around Carlisle and heads south towards Manchester, Liverpool and Birmingham, and north into Scotland. The A69 meanwhile heads east across the country to Newcastle. Manchester Piccadilly can be reached in under two hours, while it’s a similar length journey to get to Glasgow. The Lake District town of Kendal is a short drive away, as is Whitehaven, on the Cumbrian coast.
All properties in Carlisle will fall within one of the following council tax bands.
Council tax band A
Property value range
up to £40,000
Council tax charge
£1,181.38
Council tax band B
Property value range
£40,001 - £52,000
Council tax charge
£1,378.28
Council tax band C
Property value range
£52,001 - £68,000
Council tax charge
£1,575.17
Council tax band D
Property value range
£68,001 - £88,000
Council tax charge
£1,772.07
Council tax band E
Property value range
£88,001 - £120,000
Council tax charge
£2,165.86
Council tax band F
Property value range
£120,001 - £160,000
Council tax charge
£2,559.66
Council tax band G
Property value range
£160,001 - £320,000
Council tax charge
£2,953.45
Council tax band H
Property value range
£320,001 and above
Council tax charge
£3,544.14
About us
Established in 2001, we exclusively deal with the legal side of moving home. Last year alone, through our experienced conveyancers, we helped nearly 50,000 customers have a hassle-free experience. We are a truly national company, having completed transactions in each of the 109 postcode areas in England and Wales.
Our promise to you…
We understand that moving house can be stressful. So we make sure everything we do makes the process as easy and efficient as possible. We’ll give you an all inclusive fixed quote from the start so there won’t be any surprises. The price only changes if your instructions do.
You’ll have access to our unique, easy to use, online case management service to track your case. And dedicated conveyancing experts who’ll be on hand to guide you through the whole process.
We know you’re busy, so we’re open 8am until 8pm most weekdays, and open at weekends too!
Finally, if your move falls through, through no fault of your own, we won’t charge you a penny in legal fees.
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What's involved
Once you have your offer accepted, it’s time to get the ball rolling on legally transferring the ownership to you. Here’s how we do things at My Home Move Conveyancing.
First, your estate agents will send us a copy of the Memorandum of sale, which provides the details of the property, the amount offered and the name of the sellers and buyers and their conveyancers. You will be asked to complete your details and provide to us your instructions along with primary ID such as a passport or driving licence and proof of residence in the form of a bank statement/utility bill.
If you are selling a house, you will need a Conveyancer to act for you – that’s where we come in!
You will be asked by us to complete your details and provide your instructions along with primary ID such as a passport or driving licence and proof of residence in the form of a bank statement/utility bill. You will also be asked to fill in a Property Information form including some specific details about the property, its boundaries, any alterations to the property etc. If you have any additional paperwork such as planning permissions or notices, then these will be required by us to send with the contract papers. We will also ask you to complete a Fixtures, Fittings and Contents form to say what you will be taking and leaving behind. If the property is leasehold, you will be asked for information about who you pay ground rent and services charges to…
After we have received your instructions to act we will check the legal issues and title to your property to ensure it offers a satisfactory security for your new lender, as this is the essence of a mortgage.
We will also check the amounts outstanding on any current mortgage registered on the property as these will have to be repaid at completion. The amounts will be confirmed with you.
Usually, we will not carry out Local, Drainage or Mining (if appropriate) searches as we will put in place an insurance which will protect your lender. This is less expensive for you and quicker. Some lenders still require that searches are made and will not rely on insurance. If this is the case the searches will have to be made and the cost will show on the Financial Statement sent to you.
At about the same time that you receive your Mortgage Offer we receive a copy together with the lender’s instructions to act for them. We will consider the Offer to ensure that we do those things required of us as the solicitors and to check what other conditions have to be satisfied.
We will then send you the Mortgage Deed to sign and any other documentation that may be required by your lender. We shall need to have this back from you as soon as possible and certainly by the day before we complete. Otherwise there will be a delay.
You need to check that the Mortgage Offer is acceptable to you. For example, is the mortgage amount and mortgage product correct? Is it the correct method of repayment? Are there any early repayment fees?
We target a completion date for 7 days after we receive our copy of the Mortgage Offer but our being able to complete depends on the terms of the Offer and any peculiarities of your transaction.
If the new mortgage amount is less than the amount we have to pay to your existing lender, we will ask for the difference from you, before the completion date.
Following completion we deal with the registration formalities to ensure the mortgage security is perfected for your lender and any deeds will then be sent to your lender for safe-keeping.
Note – If your property is leasehold, we also:
Request your landlord to confirm that all ground rent, service charges and insurance premiums (if applicable) have been paid to date and that there is no known breach of the lease.
Have to approve the wording of the lease.
Have to serve on the landlord a notice of discharge of your existing mortgage and a notice that a new mortgage has been given to your new lender.
Get in touch
Quotation Team
If you would like to discuss a quotation you have received please call our Quotation Team on
Monday - Tuesday
9am
-
7pm
Wednesday - Friday
9am
-
5pm
Conveyancing Team
If you would like to speak to someone about your case please call our Conveyancing Team on
Monday - Thursday
8am
-
8pm
Friday
8am
-
7pm
Saturday
9am
-
4pm
Sunday
10am
-
3pm
