PURCHASES

Why use me?

I carry a Mirco-case load - this means I only take on a small number of matters at any one time, enabling me to work to your own timescales and working patterns.
Need a 8am Saturday appointment? No problem.
Don't live in Cumbria?, No problem, I am work with people all over the UK.
Scared of legal jargon? Although this can't always be avoided, I will always make sure you 100% are happy and confident in anything before you sign!
I'm fully regulated and insured.
I've worked in Conveyancing for over 20 years, I've helped thousands of people move & have thousands of happy clients.

20+ years of experience

Request a FREE Quote

What does the purchase process involve?

The first stage in the conveyancing process is your initial consultation, where you formally instruct your conveyancer. There are a number of steps for you to take, such as filling out initial forms, providing ID, and providing funds for your searches. You will receive a welcome pack (sometimes referred to as a client care letter), which will detail everything. This is the due diligence your conveyancer is required to carry out. The sooner you take these first steps, the sooner your matter can progress. Below are the steps your conveyancer will undertake:

Liaise with the seller’s solicitor to receive a contract pack, carry out searches, and do a title check (a review of the title deeds). Enquiries are raised at this stage.

Obtain a copy of your mortgage offer and deal with any lender-specific requirements.
Report to you with details of the title deeds, your mortgage, search results, and replies to any enquiries both you and your conveyancer have raised.
Arrange potential completion (the day you get the keys) dates with both you and the sellers.
Prepare the completion statements for your payments, request your funds, and any third-party payments (such as help to buy ISA funds, third party loans, etc.)
Request release of the mortgage advance from your lender. There are various other steps for your lawyer to undertake at this stage (such as final file check and pre-completion searches). These need to be completed before the next step.
Exchange (where the contracts become legally binding). This sets the completion date.
Completion takes place: you get your keys, and the property is yours!
Paying of stamp duty and registration of the title deeds. The title deeds are sent to the Land Registry and can take several weeks to update.
Providing you and your lender with the updated title deeds.
File closing and retaining in storage.

What are some tips you can give me?

Try and have as much information as possible for your conveyancer. The proof of funding you usually provide to the agents is also need for your conveyancer so make sure you have these available. This also includes details of any gifted funds and if you have a Help to Buy ISA (there is a set process your conveyancer needs to follow to request these funds, and these are set by the government) and any agreements you have privately made with the seller (such as agreeing to buy furniture).

It’s a good idea to have an agreement in principle before you start your process. This can greatly increase the speed in which your actual mortgage offer can be produced. Many lenders have long processing times due to the current number of mortgage applications.

Don’t be afraid to ask questions. For many of you this will be the 1st time you have come across some of the legal terminology we are required to use. You will have questions so please ask away!

Most importantly, you need to use a conveyancer you feel you can trust. Speak to friends and family and do your research