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Conveyancing

What is Conveyancing?

Conveyancing is the legal term used to describe the legal and administrative work performed when transferring a property from one party to another.

Buying and selling property can be one of the most stressful times in your life. Whether you are a home mover, first-time buyer or remortgaging, we are here to help. We have a dedicated team who are here to give you an efficient and hassle-free service.

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The Conveyancing Process

Here to walk you through the steps

Here at Butterworths we thrive on transparency and approach all cases as individual. If you’re still unsure about the Conveyancing process, we’ve created a simple 7 step explaination to clear things up.

STEP ONE

The sellers’ Conveyancer requests title deeds from the sellers’ lender, prepares contracts for the sale of the property and sends them to the buyers’ Conveyancer.

STEP TWO

The buyers’ conveyancer reviews contracts and title information, submit searches and raises any queries with the sellers’ Conveyancer.

STEP THREE

Search results and replies to enquiries will arrive with the buyers’ Conveyancer. Depending on the responses to searches and queries, the buyers’ Conveyancer may require more information. The Buyers Conveyancer will also report to their client at this point.

STEP FOUR

The buyer’s Mortgage Offer arrives and is checked by the buyers’ Conveyancer and a letter explaining the offer will be sent to the purchaser along with the Mortgage Deed for signature.

STEP FIVE

A report is prepared for the buyers with Transfer and Contract for signature. Sellers are also now sent the Transfer and Contract for signature.

STEP SIX

Contracts are exchanged, any deposits monies are sent to the seller’s Conveyancer, and a moving date is fixed.

STEP SEVEN

The buyers’ Conveyancer pays the Stamp Duty Land Tax to the Inland Revenue and registers the buyer as the new property owner.

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Frequently Asked Questions

The process can take between 8 and 12 weeks from the date of instruction, but in some circumstances, it can be much less, or a lot longer, depending upon on some issues that can arise within the conveyancing process.

If you are getting a mortgage, your lender will ask us to make sure that that we obtain a local and drainage search as a minimum.

• Whether there are any financial issues outstanding with the local authority
• The planning history of the property
• The status of the highways around the property
• Whether there are any special conditions limiting the use of the property
• Whether the drains and sewer services are maintained by the local water authority
• Whether there have been any issues with the sewers and drainage
• The routes and whereabouts of any public sewers

If you are buying a house using a Mortgage, your lender will only insist on a basic valuation of the property.

This valuation, and any report supplied by your lender, is based on a limited inspection of the property, and it will only highlight those items which the lender considers could materially affect the value of the property. There may be defects in the property not revealed by the inspection carried out by the valuer and there may be omissions or inaccuracies in the report which might not concern your lender but which may concern you. You should not rely on the valuation report in deciding whether or not to proceed with your purchase and we strongly recommend that you obtain your own more detailed report.

Yes, it’s really important that you let us know about this as soon as possible.

If a property has been extended or altered in any way, we need to check whether the alteration has the correct permissions. The sooner we know about any alterations the better as we may have to deal with external parties to locate the information we need.

Stamp Duty Land Tax (often called Stamp Duty or SDLT) is a Government tax on the purchase of land.

If you are a first time buyer you will be granted relief if the property you are purchasing is Freehold, you are buying it for your Residential use, it will be your main residence, you are only buying one property and the property is under £300,000.

The rules relating to SDLT are published online via HM Revenue & Customs

You can also use their SDLT Calculator.