Conveyancing/Solicitors: ​

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The process of buying or selling a house can be confusing.
However, our comprehensive guide is here to assist you in comprehending the key
process of any move – conveyancing and the legal process.

We’re going to break it down and keep it simple so you can
get to grips with what conveyancing is all about and maintain control
throughout the process, in a step-by-step timeline. 

Call 01225 280 900 today to discuss quotations and
options available.

terraced houses

What is conveyancing and who needs it?

Conveyancing in it’s simplest form is the legal transfer of home ownership from the seller to you, the buyer. This process usually starts when you have an offer accepted on your new purchase and finishes on completion, the day you receive the keys to your new property.

A sale or purchase cannot take place without it.

Who does the conveyancing?

A conveyancer or solicitor usually conducts this process, they work for you to ensure that the legal obligations are met for both parties and lender requirements.

Whether purchasing, selling or remortgaging a property, you will require a solicitor or conveyancer to complete the legal work both for you and your mortgage lender.

At Breeze, we work with a large panel of licensed conveyancers who are guaranteed to work with the lender recommended and can also be local to you. We work with over 20 different legal firms, so you can be assured we will have a variety of options on cost and services available.

Why use our conveyancing service?

At Breeze, we can recommend a conveyancer for all of the legal work you require, no matter if this a remortgage or purchase and tailored your specific requirements.

It is crucial to note that not all solicitors can work with every lender. As a result, we make sure that the solicitor we recommend can work directly with the lender you have chosen. This eliminates the added stress of having to switch solicitors during a purchase or experiencing significant delays while attempting to get the solicitor authorised by the lender.

If you are considering using your estate agent’s recommended conveyancer, it’s always a good idea to compare conveyancing quotes, this means you can ensure you are getting a fair price as well as comparing any additional charges that might occur or not be shown upfront.

All of our legal partners we recommend work with pre agreed prices as well as no hidden fees, so you can have the peace of mind that you know all costs, straight away.

house

How long should conveyancing take?

The average conveyancing process for a purchase should take between 8 and 12 weeks. A guide below shows the breakdown of how this works:

Instruction to exchange:

1) The first stage is for the conveyancer to contact the seller’s solicitor and obtain the contract pack plus raise any necessary enquiries with the seller’s solicitor. This is at the point of you having the offer accepted and a mortgage application submitted.

You will be expected to go through the documents the seller has completed and let the solicitor know if you have any queries or concerns.

2) Your conveyancer will then request and obtain a copy of your mortgage offer, plus carry out the necessary local authority searches. Frequently, there can be a significant delay caused by these searches, as it is dependent on the local authority’s speed in providing them, which can take as long as 12 weeks in extreme cases.

These searches often include, but are not limited to: environmental searches including flood risk reports, water authority searches, chancel repair search, optional and location-specific searches such as mining searches.

Local authority searches are extremely important, imagine if there are plans to build a large flat block near the property? What about any local planning permission that could affect the price of your property in the future?

3) Your conveyancer will then analyse the results of the local authority searches as well as mortgage offer and report back to you, highlighting any concerns to note. They will also discuss possible completion dates with you and negotiate a date with the seller’s conveyancer.

Before signing the contract, your solicitor will need to ensure:

  • That all enquiries have been returned and are satisfactory
  • That fixtures and fittings included in the purchase are what you expected

4) You then need to provide the deposit to your conveyancer. They will then inform the sellers solicitor that you wish to proceed with exchange of contracts and swap signed contracts as well as notify them that the deposit has been paid.

Once you have exchanged contracts, you are in a legally building contract to buy the property, there are legal ramifications if you pull out after this point as well as losing your deposit.

Breeze Top Tip

Before exchange of contracts can take place, your lender will require you to get buildings insurance for your new home. This is because you are liable for the property as soon as contracts are exchanged, so you need to protect yourself in case of any eventuality. Our home insurance page can help with this in more detail, contact one of our specialists to discuss quotes..

row of houses
family moving home

Exchange to Completion

  1. Your conveyancing solicitor will then prepare a completion statement and send this to you to review. They will also contact your mortgage lender to arrange release of funds, as well as prepare the transfer deed and notify the Land Registry of a change of ownership.
  2. At this stage, your conveyancer will transfer the payment for the house to the seller’s conveyancer as well as receive the title deeds, transfer deeds and obtain proof that any outstanding mortgages have been redeemed.
  3. The seller will move out (although they may well leave this to the day of completion). You can then collect your keys to your new house when instructed by the seller’s estate agent and move into your new home.

After Completion:

family moving home

Does the conveyancing process differ for a remortgage?

The process differs somewhat since there is no other party involved. Your conveyancing solicitor will only need to communicate with your new mortgage lender, your existing lender and yourself. Due to not needing new searches, this process is much quicker and less expensive than a purchase since there is considerably less work involved. Solicitors still have to meet lenders requirements, so will check your buildings insurance is valid and in place as part of the remortgage transaction.