Rosenberg & Co
Taking the mystery out of moving

Purchase of Flat

Purchase of Flat


Legal Fees                                        

Up to £500,000                        £1,500 plus VAT (at 20%)

£500,001 - £750,000               £1,500 - £1,750 plus VAT (at 20%)

Over £750,000                          Fee on request

We also charge a Bank Transfer Fee of £30 plus VAT (at 20%) for administering each bank transfer.


We handle the payment of third party expenses on your behalf.  The expenses vary from property to property depending on the purchase price and the area that the property is in.  They include:

  • Search Fees:  Approximately £600 plus VAT (at 20%) eg Local Authority, Drainage and Water, Environmental etc.  

  • HM Land Registry Registration fee:  Between £95 - £455, depending on the purchase price.

  • Pre-completion HM Land Registry search fee: £3

  • Pre-completion Bankruptcy search fee: £2 per name, applicable if obtaining a mortgage.

  • Stamp Duty Land Tax (Stamp Duty) if the property is in England or Land Transaction Tax (Land Tax) if the property is in Wales:  the amount payable will depend on a number of factors and given the complexity, we advise our clients to seek specific advice from an accountant or tax consultant who specialises in this as early as possible.

There are often additional expenses payable to the Landlord/Managing Agents:

  • Notice of Transfer fee:  This fee is payable for notifying them of your purchase. The fee varies and is often between £50 - £200 plus VAT (at 20%), if applicable.

  • Notice of Mortgage fee: This is payable for notifying them of your mortgage. The fee varies and is often between £50 - £200 plus VAT (at 20%), if applicable.

  • Deed of Covenant fee: If the Lease requires you to enter into a Deed of Covenant with the Landlord, a fee is often payable. The fee varies and is usually between £100 - £400 plus VAT (at 20%), if applicable.

  • Certificate of Compliance fee: If the Lease requires a Certificate of Compliance, a fee is often payable.  The fee varies and is often between £100 - £300 plus VAT (at 20%), if applicable.

These fees vary from property to property and can on occasion be significantly more than the ranges given above. We can give you an accurate figure once we have sight of the lease and details of fees from the Landlord/Managing Agents.

What is covered

Our Legal Fees cover the work required to complete the purchase of your home, including dealing with registration at the Land Registry and the payment of Stamp Duty or Land Tax . 

Our Fees assume that:

  • this is a standard transaction and that no unforeseen matters arise including for example (but not limited to) a defect in title which requires remedying prior to completion or the preparation of additional documents ancillary to the main transaction.

  • the property is currently held under a single leasehold title at the Land Registry. 

  • the property is being sold with vacant possession.

  • the transaction is concluded in a timely manner and no unforeseen complications arise.

  • all parties to the transaction are co-operative and there is no unreasonable delay from any of the parties (including third parties) providing information or documentation.

  • no indemnity policies are required. Additional disbursements may apply if they are.  

  • the property has the requisite Planning or Building Regulations Consents.

  • when purchasing with the assistance of a mortgage,  we act for both you and your lender.

  • the property is not a new-build.

  • this is a purchase of an existing lease and not the grant of a new lease.

  • no lease extension is required as part of the purchase.

The amount of work required can vary significantly from one transaction to another. There are many factors involved and it is only once we have spoken to you that we will have an idea of what your transaction involves. Our Legal Fees may therefore increase from those we have indicated above, for example:

  • if the transaction is urgent.

  • you request home visits, out-of-hours or weekend meetings. 

  • there is a long chain of sales which need to be co-ordinated. 

  • finance (other than from your lender) is being provided by third parties by way of gift or loan.

What we do not advise on:

  •  Tax (including Stamp Duty or  Land Tax) or financial planning, 

  •  Laws of any jurisdiction other than England and Wales. 

  • The division of ownership and future financial arrangements (eg who will pay the mortgage, pay the outgoings etc) of the property where there is more than one buyer, other than to advise on the different types of joint ownership.  We also do not prepare Deeds of Trust or Cohabitation Agreements.

  •  Loans being provided by third parties (other than your Lender), eg by friends or family. We also do not prepare Loan Agreements between the parties concerned.

Key stages and typical timescales


How long it will take from your offer being accepted until you can move in to your flat will depend on a number of factors. The average process takes approximately three months.

It can be quicker or slower, depending on such factors as: 

  • The other parties in the chain.

  • Difficulties or delays in obtaining information or documentation.

  • A transaction in the chain falling through.

  • Difficulties in arranging a mortgage.

  • A property being under construction.

  • A recently-built property.

  • A survey report recommending further investigations prior to exchange.

  • Dealing with additional requirements of your lender.

  • Any defects in the Title to the property that require rectification prior to exchange.

  • The property lacking any requisite Planning or Building Regulations Consents.

  • Dealing with any gifts or loans from individuals  eg parents, grandparents, friends etc.

  • Your lender is separately represented by their own solicitors.

  • A property that requires an extension of the lease.

Please note that this is not an exhaustive list of additional factors. 

Key stages of the process


The precise stages involved in the purchase of a flat vary according to the circumstances. However, some key stages involved are

  • Taking your instructions and giving you initial advice on surveys etc.

  • Carrying out client identification and Anti-Money Laundering checks on you and on any individual making a gift or loan to you.

  • Checking that your finances are in place to fund your purchase and contacting the lender's solicitors if your lender is separately represented.

  • Writing to the seller's estate agent and solicitors to confirm that we act for you.

  • Receiving the contract, seller's and landlord's Information Forms and supporting documents from the seller's solicitors.

  • Requesting moneys on account from you and submit local and other searches.

  • Negotiating the contract and raising any necessary additional enquiries with the seller's solicitors. 

  • Obtaining any further Planning or Building Regulations documentation from the seller's solicitors, if required. 

  • Reporting to you on the contract, the documentation received from the seller's solicitors and the search results.

  • Dealing with any of the landlord's requirements if the Lease requires the Landlord's consent to your purchase.

  • If you are having a survey carried out, discussing the surveyor's report with you and making any pertinent enquiries of the seller's solicitors. 

  • Receiving a copy of your mortgage offer and dealing with your lender's requirements.

  • Advising you on the legal implications of your mortgage offer.

  • Meeting with you and arranging for you to sign the contract.

  • Receiving from you the "exchange" deposit which is usually 10% of the purchase price.

  • Obtaining your lender's confirmation that they have no further requirements and that the mortgage advance will be released prior to completion.

  • Agreeing a completion date with the buyer via the estate agent.


  • Exchanging contracts with the seller's solicitors and notifying you that this has happened. At this point, you have contracted to buy the property on the agreed completion date.


  • Agreeing the Transfer document with the seller's solicitors and if required, sending it to you to sign and return to us in readiness for completion. 

  • Sending you our Financial Statement with our invoice detailing the money required from you to complete your purchase and to deal with the post- completion matters.

  • Carrying out our pre-completion searches.

  • Receiving your money and the mortgage advance.  


  • Transferring the completion money to the seller's solicitors and completing your purchase. 

  • Completing your purchase, notifying you accordingly and advising you to collect the keys from the estate agent.


  • Receiving the Transfer document and any other relevant documents from the seller's solicitors.

  • Dealing with notification to the landlord of your purchase and mortgage.

  •  Dealing with payment of Stamp Duty Land Tax on your behalf.

  • Dealing with the application for registration of the purchase and mortgage at Land Registry and notifying you and your lender once your purchase and mortgage has been registered.