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The Conveyancing Process
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.