First time buyer conveyancing

For a first time buyer conveyancing can seem a daunting process so we have compiled some useful information to help make sense of everything and help make sure things run smoothly for you.

You cannot buy any property without going through conveyancing , the legal process involving the transfer of property ownership titles from one person to another. But what exactly is conveyancing?

What is conveyancing?

Conveyancing is the legal transfer of a property from one person to another. Most people choose to use a conveyancing solicitor or a licensed conveyancer to do this and if you are getting a mortgage your lender will insist you have a professional conveyancer

My offer has been accepted. What now?

This is where it all starts. you must firstly instruct your chosen conveyancing solicitor, search here for conveyancing solicitors near you.

The work they will carry out will include the following:

  • Liaise with the seller’s solicitor to receive a contract pack
  • Request a copy of your mortgage offer
  • Carry out the relevant local authority searches.
  • Analyse the results of these searches
  • Arrange potential completion dates with you and the seller.
  • Swap signed contracts with the seller’s conveyancing solicitor.
  • Transfer the deposit to the seller’s property solicitor
  • Prepare the completion statement and transfer deeds for you to complete
  • Transfer signed transfer deeds to the seller’s property lawyer
  • Initiate payment from your mortgage lender
  • Transfer the agreed sale monies to the seller’s property lawyer
  • Send transfer deeds and applicable stamp duty to the Stamping Office
  • Forward documentation regarding proof of ownership to HM Land Registry
  • Forward title deeds from HM Land Registry to mortgage lender for proof of purchase.

Examine conveyancing quotes

When you have received your conveyancing quotes you need to examine them carefully before you go any further. Never be afraid to query your quote.

Your conveyancing quote should include:

  • Legal Fees (and VAT)
  • Acting for a mortgage lender  (an additional fee may be charged if representing your lender also)
  • Telegraphic Transfers – Same day transfers of money
  • completing Stamp Duty Land Tax Return Form

Your solicitor will need to pay disbursements (third party payments) on your behalf. This will include:

  • Searches – Should at least include Water and Drainage, Local Authority and an Environmental Search. Depending on the property’s location additional searches may be needed such as a coal search – it is worth checking what searches you will need and any additional fees that may apply.
  • Chancel Search or Chancel Insurance
  • Land Registry Charge
  • Identity Checks
  • Bankruptcy Searches

Check the small print

Some firms offering cheap conveyancing will charge unexpected fees for things most standard conveyancing quotes include such as completing deeds for more than one person or carrying out expedited transactions. This is something you do not want to experience so question your quote before accepting.

Now you understand the conveyancing process search our panel of Conveyancing Solicitors

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