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Conveyancing

1. How long will my Conveyance take?

A property transaction can be completed in weeks or months depending on whether your transaction is part of a chain and how quick the slowest link in that chain moves. However, most transactions complete in 6-8 weeks. We will always work to your timetable and keep you updated of progress throughout.

2. Does it matter if I am not able to be present when exchange of contracts and completion take place?

Not at all. We can arrange for you to execute a Power of Attorney that enables us to sign documents on your behalf.

3. What happens when we exchange contracts?

Identical copies of the contract are signed by the Vendor and Purchaser and exchanged. This is when the transaction becomes legally binding. The contract sets out all the legal rights and obligations agreed between the parties. If required, we are able to complete your property transaction without exchange of contracts, within a very short period of time, and contracts are exchanged at completion.

4. Should I have the property surveyed?

If you require a mortgage to purchase the property your bank/building society will arrange for a survey of the property to be carried out. The surveyor will provide a report on the state of the property and its value and your lender will offer you a mortgage accordingly. If you want a more detailed survey to be carried out you can request a local independent surveyor to carry out a full survey of the property. We can recommend a local surveyor if required.

5. Why do you need to carry out a Land Property Services Search?

To ensure that no undisclosed charges or interests are registered against the property and that all documentation relating to the property is in order.

6. What is stamp duty?

Stamp Duty is a tax charged by the government. The government charge a variable percentage of the purchase price as follows

£0 - £160,000	no duty payable
£161,001 - £250,000	1.26%
£251,001 - £350,000	1.6%
Amount Exceeds £351,000	2.5%

7. How will I understand the legal terminology?

We will provide with a document called a “Glossary of Conveyancing Terms” that explains in plain English all the legal terms. We are also available to clarify any terminology you are unsure of and you can contact us by email, telephone or call into our offices.

8. What is the Bank Transfer fee?

When it is time to complete the transaction, it is often necessary to arrange for funds to be telegraphically transferred from the mortgage lender to our account. The mortgage lender may charge for this. The charge will usually be deducted from the amount of the loan.