Thank you for your interest in our conveyancing services for the mortgage of your property.
Our fees cover the normal work required to complete a standard residential mortgage, including
registration at HM Land Registry.
Residential Mortgage Fees
These fees apply to a normal residential property with a registered title and a standard
mortgage which is not for example an equity-release, bridging or commercial mortgage. They exclude redeeming an existing mortgage
and the additional legal fees and payments to third parties set out below. All legal fees are
exclusive of VAT at the prevailing rate, currently 20%.
| Mortgage amount |
Legal fee |
VAT at 20% |
Total |
| £0 - £500,000 | £950.00 | £190.00 | £1,140.00 |
| £500,001 - £1,000,000 | £1,100.00 | £220.00 | £1,320.00 |
Additional Legal Fees
| Additional work |
Legal fee |
VAT at 20% |
Total |
| Redeeming one existing standard mortgage | £150.00 | £30.00 | £180.00 |
| Unregistered title | £375.00 | £75.00 | £450.00 |
| Leasehold property | £250.00 minimum | £50.00 minimum | £300.00 minimum |
The additional fees are added to the standard fee shown above. More than one additional fee
may apply. We will provide a personalised estimate once we understand the property, the
mortgage and your circumstances.
Other Usual Charges
| Charge |
Cost |
VAT |
Total |
| Search fees (estimated and dependent on the property location; search insurance may sometimes be available) | £500.00 | £0.00 | £500.00 |
| Money transfer administration fee to pay you any balance of the mortgage advance | £35.00 | £7.00 | £37.00 |
| Money transfer administration fee to repay each existing mortgage | £35.00 | £7.00 | £37.00 |
| HM Land Registry priority search | £7.60 | £1.20 | £8.80 |
| Land Charges bankruptcy search (per person) | £6.50 | £1.30 | £7.80 |
| HM Land Registry title documents (estimated for a freehold title) | £22.00 | £4.40 | £26.40 |
| Chancel liability insurance in place of a chancel liability search | £19.00 | £0.00 | £19.00 |
HM Land Registry Fees
The registration fee depends on the mortgage amount and whether the property is registered. You
can obtain an indication using the
HM Land Registry fee calculator or
review the
HM Land Registry fee guidance.
Leasehold and Freehold Management Charges
If the property is leasehold or subject to freehold estate or service charges, the landlord,
management company or estate owner may charge additional fees. These are not our fees and vary
between properties. Typical examples include:
• Notice of mortgage: often £75 plus VAT to £250 plus VAT.
• Certificate of compliance: often £150 plus VAT to £250 plus VAT.
• Management information or replies to enquiries: often £350 plus VAT to £650 plus VAT.
Any arrears of rent, service charge or estate charge will also need to be paid.
How long will my mortgage take?
Each mortgage is different and depends on the lender, the property and your circumstances. A
normal mortgage commonly takes between 3 and 8 weeks. It may be quicker where the title is
registered and the lender accepts search insurance, or significantly longer where there is a
lease extension, title problem or other non-standard issue.
Exclusions
Our fee estimate is based on a normal residential mortgage. Further fees may apply for additional
or unforeseen work, including:
• an urgent transaction with a short timescale;
• title defects or missing deeds or documents;
• a new-build property or a property built within the last 10 years;
• planning or building regulation issues;
• indemnity insurance;
• additional property-specific searches;
• bridging, lifetime, equity-release or other non-standard mortgages;
• a lender represented by a separate firm;
• shared ownership or right-to-buy properties; or
• a transfer of equity or change of name.
We do not deal with residential mortgages exceeding £1,000,000 under this fee scale.
This list is not exhaustive. We will discuss any additional work and fees with you.
Stages of the Process
The precise stages vary, but a normal mortgage usually includes:
• taking your instructions and providing initial advice;
• checking your identity;
• receiving and reviewing the mortgage offer;
• carrying out searches or arranging search insurance where permitted;
• making enquiries of a landlord, management company or estate owner where required;
• reporting to you on the mortgage offer;
• arranging signature of the mortgage deed;
• agreeing a completion date and requesting the mortgage advance;
• completing the mortgage and repaying any existing mortgage; and
• applying to HM Land Registry to register the mortgage.