Purchase
Purchasing a house is far more complicated because the lawyer must ensure that the property you buy does not involve you in any unforeseen disputes over rights of way, boundaries, fences, restrictive covenants, road charges or other legal entanglements.
A search is made of the local authority’s records to establish whether there are likely to be any public works affecting the property, such as motorway schemes, and whether there are any planning restrictions. The information provided by the local authority relates only to the house being purchased and not to the neighbourhood in general.
The seller’s lawyer will provide a contract package relating to the property which must be checked and any necessary enquiries raised.
Legal Stages in relation to your purchase
Please find detailed below the legal stages in relation to your conveyancing in respect of purchasing your property.
STAGE I - SALE AGREED
Searches
Organise searches (Local Search and others if necessary) on your behalf and ask you for a payment on account of such expenses.
Enquiries
Raise enquiries on the legal title of the property which is sent to the sellers lawyer.
Mortgage
Receive mortgage offer and deal with all the conditions on your behalf.
Search Results
Receive search results and deal with any problems revealed.
The Deeds
Prepare the deed of transfer and mortgage deed and arrange for you to sign them when final report is provided.
Legalities
Once all legal matters are resolved your conveyancer will report to you with the contract for signing and request your deposit in readiness for exchange.
STAGE II - EXCHANGE OF CONTRACTS
Deposit
Hand over the deposit to the seller’s conveyancers.
Completion Statement
Prepare a final completion statement for your approval. Collect in any balance of funds required.
Final Searches
Organise final searches and check in respect of protecting your interests, Title Search and Bankruptcy Search as requested by your lender.
Mortgage Funds
Request mortgage funds to be provided on day of completion from mortgage lender.
STAGE III - COMPLETION
Payment
Receive and arrange for payment of any stamp duty to the Revenue & Customs.
Applications
Prepare and send off application to HM Land Registry to register your ownership.
Deeds
Once application is received from HM Land Registry send deeds either to the lender (if mortgaged) or client (if property was financed by cash).
HOW CAN I SPEED UP THE PROGRESS IN RELATION TO MY PURCHASE?
Once you are certain that you wish to purchase the property there are several things that can be done in anticipation of the purchase which can help to speed up progress.
Try to follow the tips below to speed up your conveyancing: –
Instruct Chartahouse Conveyancing Services immediately when you have placed an offer on property.
Provide Payment on Account as quickly as possible to enable searches to be performed as the local authorities can take up to three weeks to provide results.
If you are purchasing by way of mortgage arrange your mortgage offer at the start of transaction.
Try to respond to correspondence as quickly as possible.
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Feedback from our clients
We have used this firm a few times now and they have always been very helpful and professional.
”Using Chartahouse I was able to successfully buy and sell a house within a very restricted time constraint. They did everything they possibly could to make the matter smooth and quick. What a wonderful experience. Thank you very much
”Exceptional service, very friendly and very polite people. Highly recommended, from start to finish it took six weeks and we got the keys to our new house. Thank you Gemma, Georgina and the great team.
”Fantastic service, always kept up to date on a daily basis via text, email and Track-a-Matter, and phone calls. Very competitive price and outstanding service, start to finish it took around 6 weeks.
Thank you to Peter and the team
Excellent, fast and efficient service, I could not recommend more! I was a first time buyer and found Nick, & Gemma, extremely knowledgeable and helpful in promptly answering any queries I had regarding the conveyancing process, which took less than 8 weeks start to finish!
”Excellent service from Nicholas and Jay, completed in 7 weeks so very happy, no chain though and no major complications. The Track-A-Matter is brilliant and the regular texts keep you up to date. Can definitely recommend Chartahouse.
”Couldn't have asked for more, the process was quick completed in six weeks which was perfect for us and you were always kept up to date, Kirsty and Simon were amazing and I can't thank them enough.
”Excellent efficient service - I was kept fully updated as to what stage we were at throughout my house sale. Special thanks to Lauren!
”I cannot thank Nick Hawkins and his team at chartahouse enough. Buying a first property can be quite daunting however, they made the whole process feel easy. If I ever needed information there was always someone on the end of the phone who would answer all my questions.
”A Great service with Competitive Pricing.
I have dealt with Chartahouse for many years now and I have no complaints.
With conveyancing they keep you informed and try there best to move thing along in good time.
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