Conveyancing
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What is conveyancing?
This is the term used for the legal and administrative work involved in transferring the legal ownership of land and/or buildings.
Some people attempt to do this themselves but it is quite complex and you may not have the required expertise for things to run smoothly. Some lenders may insist you use a professional to protect their interests. Alternatively, the seller may reject your offer if you do not use a professional.
- Cheapest is not necessarily best - remember this is likely to be one of your biggest financial transactions
- Work with someone who has experience to identify and deal with issues
- Evaluate whether they will have time to handle your case properly and also if they can deliver within your timescale.
The Conveyancing Process
- Obtaining a purchase contract from the sellers' solicitors, with details of the property and its ownership.
- Resolving pre-contract enquires and obtaining copies of any existing guarantees, planning consents, etc.
- Obtaining the seller's fixtures and fittings list to establish what will be left
- Liaising with the mortgage lender
- Agreeing the completion date that suits everyone in the chain. Contracts can now be exchanged and the transfer deed effected.
- Once this has been done your conveyancer can call down the mortgage from your lender and send you a final completion statement.
- On completion day, your conveyancer pays the required amount to the sellers' solicitors in exchange for the title deeds.
- Your conveyancer will now register your name and mortgage at H.M. Land Registry and send the deeds to your lender for them to hold as security for the mortgage.