Conveyancing in St Albans
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Buying a house in St Albans
With a population of approximately 60,000, St. Albans is located in the county of Hertfordshire. Surrounded by pretty countryside and yet in such close proximity to London, there is a huge demand for property in St. Albans which is reflected in the strength of the market. At My Home Move Conveyancing we have been developing our knowledge and expertise of local markets since 2002, allowing us to bring our clients in St. Albans a specialist, fixed fee conveyancing service.
You’ll need to instruct the services of a lawyer to complete the legal work on your behalf when buying or selling property in St. Albans.
Let My Home Move Conveyancing act as your St. Albans conveyancers, and take advantage of our award winning customer service, innovative use of technology and detailed knowledge of the local market. Our conveyancing service comes for a fixed fee, meaning there are no extra hidden costs to worry about. If for some reason you don’t end up moving, you won’t have to pay us a thing in legal costs.
You will be assigned a dedicated conveyancer who will look after your case from start to finish, providing you with regular updates to complement the online access you will have to your account with us. At My Home Move Conveyancing we are pleased to offer our conveyancing services in St. Albans to customers across the local area, including those in central spots as well as sought-after surrounding villages such as Aldenham, Childwick Bury and Wheathampstead.
Local statistics
The average house price in Hertfordshire is £326,732, while in St. Albans the overall average sale price during the past year was significantly higher than this at £477,829. There was a relatively even spread of properties sold in terms of numbers, although most sales involved flats which fetched an average price of £275,156. Terraces averaged at £444,631, semis at £554,712, and detached properties at £769,119.
Essential info
The local authority responsible for properties is St. Albans City & District Council. They can be contacted on 01727 866 100 or at the following address: St Albans City & District Council Civic Centre St Peters Street St Albans Hertfordshire AL1 3JE
The local area
St. Albans is a charming Home Counties town with a long history in its local area that encompasses Iron Age settlement and Roman occupation – the city of Verulamium was in fact the second-largest settlement in Roman Britain after Londonium. The town today offers plenty of modern amenities and attractive Georgian properties that complement its location close to the capital city of London. There are direct rail services that take less than 30 minutes to reach London Blackfriars station, making St. Albans a great option among commuters to the capital. The M1 and M25 motorways are just a short distance from the town centre, adding to the convenience of St. Albans. This is further enhanced by its location just over 10 miles from London Luton Airport, a journey that can take as little as 20 minutes by road and under 25 minutes by train. There are some excellent schools in the area that will be pleasing for families with children, including the Abbey CofE, Aboyne Lodge, Cunningham Hill Junior School and Maple Primary for younger children. Secondary options include Sandringham School, St. Albans School, St. Albans Girls’ School and Verulam School on Brampton Road.
All properties in St Albans will fall within one of the following council tax bands.
Council tax band A
Property value range
Up to and including £40,000
Council tax charge
£1,009.74
Council tax band B
Property value range
£40,001 - £52,000
Council tax charge
£1,178.03
Council tax band C
Property value range
£52,001 - £68,000
Council tax charge
£1,346.32
Council tax band D
Property value range
£68,001 - £88,000
Council tax charge
£1,514.61
Council tax band E
Property value range
£88,001 - £120,000
Council tax charge
£1,851.19
Council tax band F
Property value range
£120,001 - £160,000
Council tax charge
£2,187.76
Council tax band G
Property value range
£160,001 - £320,000
Council tax charge
£2,524.35
Council tax band H
Property value range
Over £320,000
Council tax charge
£3,029.22
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
