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Our Services

Buying

If you are buying a property, our conveyancing experts will explain every step of the process to you, whilst ensuring the transaction is completed as swiftly and seamlessly as possible.

The Process

Your estate agents will notify us once your offer has been accepted and will send your Memorandum of Sale through, giving us the full details of the seller, the property and the offer. If you require a mortgage, it is likely that you have already received an offer in principle of how much the mortgage company are willing to lend you. Once your offer is placed, you’ll need to inform your mortgage company of the offer amount and the details of the property.

We would always recommend at this point, that you get a survey of the property carried out to identify any potential issues. This can either be a basic or full structural survey, which differ in price and the level of detail they go into.

Once we have the Memorandum of Sale, we will request all relevant documentation relating to the property from the seller’s conveyancer, so that we are able to raise enquiries. We will send you through a report which contains information about the title and a draft contract, which should be read carefully, signed and returned to us. We will also order any necessary searches such as, Environmental, Coal Mining, Local Authority or Drainage. These will incur an extra cost.

Your mortgage lender will send us a copy of your offer so that we are able to review this for any special conditions and verify the details of the lender. We will send you a report once this has been completed.

Once all the above has been resolved, you will then need to provide us with your deposit, usually 10 per cent of the purchase price, so that we can send this to the seller’s conveyancer. If you were to pull out of the deal between exchange or completion, you would loose your full 10 per cent deposit to the seller.

You will then exchange contracts, which means you are legally obliged to buy the property. The seller, in turn, is legally obliged to sell it to you on the agreed completion date.

When completion day arrives, we will send the whole balance of the purchase price to the seller’s conveyancer.

Once we have confirmation that this has been received by the seller’s conveyancer we will let you know that the keys are ready to be picked up and you can move into your new home.

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Selling

If you are looking to sell a property, our conveyancing experts will explain every step of the process to you, whilst ensuring the transaction is completed as swiftly and seamlessly as possible.

The Process

Once the sale of your property has been agreed and you have accepted an offer, your estate agents will send us through your Memorandum of Sale. This provides us with all the details of your offer and the buyer. We will then complete your starter pack if this has not already been done. We will send the buyer a copy of the title on the property and a draft contract which both you and buyer must sign. Please note that, if there is another adult living with you, who is not an owner of the property, they will also need to sign this draft contract.

If you have a mortgage on the property or any other additional loans, you will need to provide us with the details so that we can contact the lender to obtain a redemption statement. Upon receiving the contract pack, the buyer’s conveyancers will raise any relevant enquiries with us. We can usually answer many of these questions on your behalf but it may be that we need to contact you to discuss certain points.

We will then agree a completion date with the buyer’s conveyancers and exchange contracts, making the transaction legally binding. Once the date has been set, we will then get a final redemption statement from your lender.

On the day of completion, we will receive the balance of the sale price from the buyer’s solicitors. If there was a deposit held, this will also be released to you by whoever was stipulated in the contract to hold it. Once funds are received, we will send the buyer’s conveyancer the signed transfer and title deeds, if any. The transaction is now complete and you must ensure you have vacated the property.

We will take our fees and the estate agents fees out of the proceeds and pay the outstanding balance on your existing mortgage. You will then receive the remaining balance the next working day.

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Remortgage

If you are looking to remortgage your property, our conveyancing experts will explain every step of the process to you whilst ensuring the transaction is completed as swiftly and seamlessly as possible.

The Process

Firstly, we will need to make our legal checks to satisfy your lender’s requirements. We will also assess the outstanding amounts on your current mortgage, as these will need to be repaid at completion.

Some lenders require that searches are made and will not rely on the insurance usually put in place. We will notify you if this is the case.

We will receive a copy of your Mortgage Offer which will include instructions to us from your lender. We will then send you the Mortgage Deed to sign. You must return this to us as soon as possible to avoid any delays.

Once the transaction is completed, we will handle the registration formalities and send any deeds to your lender.

When dealing with Leasehold:

If your property is leasehold, we will need to request confirmation from your landlord that any service charges and ground rent have been paid to date. We will also notify the landlord that a new lender has given a new mortgage.

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FAQS

What does Conveyancing mean?

This is the legal process of buying and selling your property. You must instruct either a conveyancer or a solicitor to act on your behalf throughout the transaction.

What happens upon completion?

When money changes hands and you get your keys to move in.

What are Disbursements?

These are payments we make to other companies on your behalf. These include, searches, land registry fees and stamp duty fees.

What does exchange of contracts mean?

Once contracts are exchanged there is a legally binding contract between the buyer and the seller, meaning neither party can withdraw without incurring penalties, which can be financially severe.

How long will the process take?

There is no definite answer to this question; it will all depend on the number of factors in the transaction. Usually, we advise that the process takes 6 to 8 weeks, with no unforeseen complications or delays.

A remortgage is usually quicker and can often be completed in less than 4 weeks.

What may delay the process?

A number of factors can delay the process, but rest assured that we will always do all that is possible to get the transaction completed as soon as possible. The most common causes of delay are:

  • – If the mortgage offer includes unforeseen conditions
  • – Others in the chain holding things up
  • – The amount of people in the chain – the longer the chain, the more likely to be delays
  • – The mortgage application is taking longer than normal
  • – Our enquiries reveal an issue which needs to be resolved.

“I just wanted to say a huge thank you to the team that dealt with my move. I have to say that, initially, I was a little sceptical about using an online conveyancer but the transaction was quick, smooth and completely hassle free. Thank you again.”

Mr. A Arnold

“ May we take this opportunity to thank the team very much for all the hard work they have done to help us with our house move. The service that they provided was excellent and far superior to other firms I have used in the past. I will be highly recommending this company! ”

Mr and Mrs. Roberts