London Conveyancing2022-06-20T08:24:28+00:00

London Conveyancing –  helping to make your new home a reality

With an office in heart of the affluent St John’s Wood, we have a team of property experts who will ensure you have a stress-free conveyancing experience. You will be provided with a personal service by having a dedicated lawyer from start to finish.

We are pragmatic and efficient. We value serving our client’s best interests and as a result, we have a high retention of work coming from existing clients and personal recommendations.

We specialise in residential conveyancing all over London and offer you competitive fixed fees and a “No Move, No Fee” promise.

Receive an instant conveyancing quote and instruct us online

You can obtain an instant quote and instruct us immediately.

We provide a detailed breakdown of all the possible costs. To put it simply, we have no hidden costs.

Colchester
Ipswich
London

Attwells are conveyancing solicitors
Attwells are conveyancing solicitors

How long does conveyancing take in London?

Typically, Attwells complete in 12 – 16 weeks

At Attwells we use technology to move your conveyancing file on quickly.

Our conveyancers will also pick up the phone or send an email when requesting more information. This also speeds up the conveyancing process.

Of course, for clients who prefer a more traditional approach, we are more than happy to cater to your needs. We know not everyone has an email address.

Colchester
Ipswich
London

What you can expect when instructing Attwells Solicitors

What happens during conveyancing?

  • Accepting The Quote – Simply click the accept button within your email or agree the fee over the phone.

  • Paying Money Onto Your Account – We require £25 on account to enable us to carry out our ID checks on you. Payments can be made online, 24/7. The £25 will be taken off your final bill. In the unlikely event your conveyancing falls through, Attwells offer a no move, no fee promise.

Your conveyancing is underway
  • Welcome Pack – Your conveyancer will send you a welcome email with a few basic documents. These can be filled in and signed using your phone.

  • Mortgage Valuations – Your mortgage provider will require a valuation of the property you wish to buy. The valuation is designed to confirm the property you are buying is worth the same or more than the value of your mortgage.

You’re lender is happy 50
  • Send Reports – Everything outlined above (mortgage details, searches and draft contract) is reported to you. Our reports are written to be simple to read. However, if you prefer your conveyancer can talk you through your report. Below, is a list of frequently asked questions.

  • Signing Your Contract – Once you are happy after reading all the paperwork your conveyancer will send you your contract to sign. At this point, we will ask you for your 10% deposit.

It’s all been confirmed 80
  • Searches – Searches outlines any possible issues with the property and serves as reassurance for both you and your lender that the property is in good order. Attwells would always recommend cash buyers have searches carried out too.

You have your moving date 90
  • Exchange Date – This is the moment everyone loves! It is when your moving date is confirmed.

  • Completion – Prior to completion we will receive your statement of funds required. Your funds will then be requested from your mortgage lender. Once we have your funds the keys will be released and you can move into your new home. Congratulations!

Congratulations! You can move into your new home 100

Your London property solicitors

Attwells Solicitors is based on St Johns Wood High Street, above the local estate agents, Chancellors, in North London. This is close to the famous Abbey Road studios and the Lord’s cricket ground.

Our London Conveyancing team

Attwells conveyancers are fully trained and supported by our property solicitors. We use client feedback in addition to continuing staff development so that we can review the performance of individual conveyancers, ensuring you receive the best possible service.

Are you buying with a partner?

If you are buying with a partner you may wish to consider completing a Declaration of Ownership. A Declaration of Ownership is a legal document that outlines the percentage of ownership for each person.

This is particularly important if one person puts more towards the home.

For example, if Miss Jones sold her apartment. She used the funds to purchase a house with Mr Smith, but Mr Smith did not have a property to sell or equal funds to contribute, Miss Jones would own a big percentage. However, unless this is documented legally by property solicitors, upon selling of the house they purchases together Mr Smith would be entitled to half.

Receive a Quote

Your Conveyancing questions, answered

I am already an existing client of Attwells – do I need to provide identification again?2022-02-02T16:09:47+00:00

If it has been longer than six months since we last acted for you then yes. We will need you to provide us with updated certified identification and proof of address.

In order for us to take full instructions in relation to your transaction, we require identification for all parties. We require one piece of photographic identification for each person and one piece of address identification.

If you are a legal entity (such as a company, trust, partnership, or other entity), or if you live abroad, please ask for our further ID requirements.

PHOTOGRAPHIC IDENTIFICATION PROOF OF ADDRESS (we accept electronically downloaded documents)
Current signed passport Utility bill (gas, electric, landline phone bill) issued within the last three months
EEA member state identity card Local authority council tax bill for the current council tax year
Current UK or EEA photocard driving licence Current UK driving licence (but only if not used for the name evidence)
Bank, Building Society or Credit Union statement or passbook dated within the last three months
Original mortgage statement from a recognised lender issued for the last full year
Solicitors letter within the last three months confirming recent house purchase or land registry confirmation of address
HMRC self-assessment letters or tax demand dated within the current financial year
Electoral Register entry

We do not ask that you send original documents in to us as we do not want to run the risk that they get lost in the post but also with regards to photo identification, we need you to meet with someone face to face to ensure that the documents you are producing belong to you.

As a result, we would ask that you please take your identification documents to one of the following regulated professionals and ask that they take certified copies of the original documents:

Any of the following professionals can also take certified copies of the original documents:

  • Solicitor or Conveyancer from Attwells
  • Mortgage Broker
  • Estate Agent
  • Accountant
  • A Local Solicitor or Conveyancer

In order to take a certified copy, the document must be photocopied and on the photocopy, the person certifying must write as follows:

Photographic Identification: “I hereby certify that this is a true copy of the original and a true likeness of [Client name]” followed by certifier’s name, occupation and signature.

Proof of Address: “I hereby certify this to be a true copy of the original” OR “I hereby confirm this is an electronic copy” followed by certifiers name, occupation
and signature.

At what point are we legally committed to the sale?2022-02-03T16:32:47+00:00

At what point are we legally committed to the sale?

Once contracts are exchanged, you’re legally committed to the sale.

Before you sign on the dotted line, make sure you’re committed. If you decide to pull out after exchanging, you will be in breach of that contract, and may have to pay penalty costs.

What are the timescales for exchange and completion once I return my documents to you?

What are the timescales for exchange and completion once I return my documents to you? An approximate timescale is eight to ten weeks however each conveyancing transaction is different and it is not possible to give a more detailed timescale at this stage. We will deal with your work as quickly as possible however the transaction can really only progress as quickly as the slowest party in the chain. Your appointed conveyancer will be able to discuss this with you in more detail and will keep you updated on progress as the transaction progresses.

What is the timescale of selling a property?

What is the timescale of selling a property? Whilst there may be unavoidable delays, Attwells pride ourselves on transaction times that are four times faster than the national average.

Week 1: Instruct Attwells, pay money on account and complete the property information forms.

Week 2: Attwells issues the contract and ownership information to the buyer’s solicitors.

Week 3 to 6: Attwells agrees the contract and will help you satisfy all enquiries from the buyer’s solicitors.

Week 7 to 8: Moving date agreed and contracts exchanged – This makes the sale binding.

Week 9 to 11: You now have a guaranteed moving date. You can make arrangements and start packing. You will need to sign completion documents with Attwells. You will receive a statement showing the amount you will receive on completion.

Week 12: Complete. Move out and handover keys, any mortgage is redeemed and you should renew or make a will.

What happens on our completion date?2022-02-03T16:37:00+00:00

What happens on our completion date?

Once your conveyancing solicitor has sorted out any issues and finished all the local area searches required a completion date will be agreed by all parties.

When the completion date comes around your solicitor will receive the money you’re owed from your buyer.

You will need to vacate your property and your solicitor will then send over the signed documents of ownership to your buyer’s solicitor. At this point, your solicitor will pay off any remaining mortgage you may have, cover any estate agent fees, and deduct their own payment. You will then receive the remaining balance.

When should we start packing?

Once contracts are signed you will arrange a moving date. Once you have a date you can book a removal company (if you are using one).

An average completion takes 8 weeks so you can start collecting boxes and packing or disposing of any items you rarely use (especially seasonal items like the Christmas decorations).

What is the timescale of selling a property?

What is the timescale of selling a property? Whilst there may be unavoidable delays, Attwells pride ourselves on transaction times that are four times faster than the national average.

Week 1: Instruct Attwells, pay money on account and complete the property information forms.

Week 2: Attwells issues the contract and ownership information to the buyer’s solicitors.

Week 3 to 6: Attwells agrees the contract and will help you satisfy all enquiries from the buyer’s solicitors.

Week 7 to 8: Moving date agreed and contracts exchanged – This makes the sale binding.

Week 9 to 11: You now have a guaranteed moving date. You can make arrangements and start packing. You will need to sign completion documents with Attwells. You will receive a statement showing the amount you will receive on completion.

Week 12: Complete. Move out and handover keys, any mortgage is redeemed and you should renew or make a will.

What is the timescale for buying a property?

What is the timescale for buying a property? Whilst there may be unavoidable delays, we pride ourselves on transaction times that are four times faster than the national average:

Week 1 to 2:  Instruct Attwells, pay money on account and provide evidence of your cash funds. You should instruct your mortgage valuation and survey.

Week 3: Attwells will undertake searches of the local utilities and authorities. Attwells will receive a draft contract and ownership information from the buyer’s solicitors.

Week 3 to 6: Attwells reviews and approves the contract. We will also review the ownership information and raise enquiries with the seller and receive satisfactory replies. Attwells receives results of all searches of the statutory authorities.

Week 7 to 8: Attwells send reports on the property, contract, and mortgage and obtain confirmation of how you will own the property. Attwells will send you documents to sign and require a 10% deposit to be paid.

Week 9 to 11: The moving date is agreed. All documents and the deposit are received from you. The contract is now exchanged – the purchase is now binding.

Week 12: You now have a guaranteed moving date. You can make arrangements and start packing. You will need to sign the completion documents. You will receive from Attwells a statement as to the money required to complete. This must be transferred in good time for completion.

Please note: Attwells Solicitors have produced this timescale as a guide only. Your transaction may take longer depending on your circumstances. A leasehold may take 4 plus weeks longer. For more information, please contact your conveyancer. www.attwells.com.

How much do I have to pay upfront for conveyancing?2022-02-03T16:26:28+00:00

How much do I have to pay upfront for conveyancing?

We only require £25 on account. This allows us to start your conveyancing, by completing your ID checked.

Payments can be made online, 24/7. The £25 will be taken off your final bill.

Remortgage & paying back Help to Buy Loan

Remortgaging is when you replace your current mortgage deal with another. This can be as simple as changing the terms of your existing mortgage with your current lender or it can mean changing lenders altogether.

The reasons that people tend to remortgage are varied, but common reasons are:

  • A lender is offering a better deal

  • To increase your loan amount to pay off your Help to Buy Loan

  • You have experienced a change of circumstances (such as a divorce or a bereavement)

  • You would like to release equity in the property

Very often, when you are remortgaging with the same lender, the process is very simple. Some lenders will give you a new deal without the involvement of a solicitor.

If you are switching lenders, however, the requirements are likely to be more complicated. The process will feel similar to when you first purchased the property. For example, the lender will require a valuation and searches.

The importance of clear unambiguous drafting of overage payments

The term ‘overage’ refers to an increase in value of a property either during or after the sale subject to certain ‘trigger events’. The classic example is for a developer to buy a plot of land, following which, the developer will then apply for planning permission to build say 50 houses. If the developer gets planning permission for more than 50 houses, the Seller will be entitled to an ‘overage payment’ i.e. an increase in the sale price.

In the case of London and Ilford Ltd (the Developer) v Sovereign Property Holdings Ltd (the Seller), the ‘trigger event’ was the developer receiving prior approval from the local authority for Permitted Development to convert the property into a minimum of 60 residential units. When the ‘trigger event’ occurred, the Seller claimed the £750,000 overage payment.

The developer however disagreed and stated that the payment was to provide a commercially valuable benefit and therefore Prior Approval was only valuable if the 60 residential units could lawfully be built.

When should we start packing?2022-02-03T16:39:50+00:00

When should we start packing?

Once contracts are signed you will arrange a moving date. Once you have a date you can book a removal company (if you are using one).

An average completion takes 8 weeks so you can start collecting boxes and packing or disposing of any items you rarely use (especially seasonal items like the Christmas decorations).

What is the timescale of selling a property?

What is the timescale of selling a property? Whilst there may be unavoidable delays, Attwells pride ourselves on transaction times that are four times faster than the national average.

Week 1: Instruct Attwells, pay money on account and complete the property information forms.

Week 2: Attwells issues the contract and ownership information to the buyer’s solicitors.

Week 3 to 6: Attwells agrees the contract and will help you satisfy all enquiries from the buyer’s solicitors.

Week 7 to 8: Moving date agreed and contracts exchanged – This makes the sale binding.

Week 9 to 11: You now have a guaranteed moving date. You can make arrangements and start packing. You will need to sign completion documents with Attwells. You will receive a statement showing the amount you will receive on completion.

Week 12: Complete. Move out and handover keys, any mortgage is redeemed and you should renew or make a will.

What is the timescale for buying a property?

What is the timescale for buying a property? Whilst there may be unavoidable delays, we pride ourselves on transaction times that are four times faster than the national average:

Week 1 to 2:  Instruct Attwells, pay money on account and provide evidence of your cash funds. You should instruct your mortgage valuation and survey.

Week 3: Attwells will undertake searches of the local utilities and authorities. Attwells will receive a draft contract and ownership information from the buyer’s solicitors.

Week 3 to 6: Attwells reviews and approves the contract. We will also review the ownership information and raise enquiries with the seller and receive satisfactory replies. Attwells receives results of all searches of the statutory authorities.

Week 7 to 8: Attwells send reports on the property, contract, and mortgage and obtain confirmation of how you will own the property. Attwells will send you documents to sign and require a 10% deposit to be paid.

Week 9 to 11: The moving date is agreed. All documents and the deposit are received from you. The contract is now exchanged – the purchase is now binding.

Week 12: You now have a guaranteed moving date. You can make arrangements and start packing. You will need to sign the completion documents. You will receive from Attwells a statement as to the money required to complete. This must be transferred in good time for completion.

Please note: Attwells Solicitors have produced this timescale as a guide only. Your transaction may take longer depending on your circumstances. A leasehold may take 4 plus weeks longer. For more information, please contact your conveyancer. www.attwells.com.

How much does conveyancing cost?2022-02-03T16:44:32+00:00

Conveyancing Cost

Every conveyancing fee is based on individual circumstances and a good conveyancer should offer a fixed fee that they are prepared to stick to. At Attwells our instant online conveyancing calculator gives you your personalised quotation.

Attwells Solicitors are conveyancing and property solicitors. We specialise in residential conveyancing offering you fixed fees and a No Move, No Fee promise.

You can receive an instant conveyancing quote and instruct us in seconds using your mobile phone. Our conveyancing fees reflect the level of service you will receive and the speed at which your transaction will take place. Our quotes include and break down every possible cost.

How much will it cost me to change the names on my property deeds?

How much will it cost me to change the names on my property deeds? This depends on whether you have an existing mortgage or not and if the property is leasehold or freehold.

A Transfer of Ownership is required when you wish to transfer part or all of your property to another person. This can be vital for several reasons, but most commonly it’s due to a relationship breakdown. The process allows you to legally add or remove a person from the property title deeds, leaving at least one of the original owners in place.

However, if no original owner is remaining on the title deeds, you would require our conveyancing services, as this would become a sale or a purchase rather than a Transfer of Equity, even if no money changes hands.

How much will it cost me to change the names on my property deeds and what is included in the price?

  • Drawing a Transfer Deed to transfer the ownership of the property
  • Obtaining relevant signatories
  • Dealing with your lender’s consent to the transfer (where applicable)
  • Dealing with your remortgage (where applicable)
  • Dealing with your landlord’s requirements for the transfer  (where applicable)

What is not included?

  • Tax advice
  • Anything not listed as included above

Depending on your circumstances, Stamp Duty Land Tax may be payable. This has not been included in the quote. If SDLT is due, an additional £75 + VAT will be added to your quote for completing and filing the SDLT return. Land Registry Fees are due and will be payable based upon the purchase price. The Final Search Fee will be £20 plus VAT and Title Search Fee will be £20 plus VAT for a freehold or £30 plus VAT for a leasehold. We also have an additional fee scale you may wish to refer to.

Will I have to pay Stamp Duty Land Tax (SDLT)?

Much the same as when a property is purchased from the previous owner when you transfer your property deed, SDLT needs to be considered.

We need to look at what the ‘consideration’ for the transfer is. The consideration is anything of monetary value that is provided to the owner of the property to effect that transfer. For example, this may be cash, the repayment of the mortgage, credit cards, etc.

SDLT is calculated on the total consideration for the transfer.

Colchester
Ipswich
London

Should we sell our home before we buy?2022-02-03T16:47:23+00:00

Should we sell our home before we buy?

If you don’t have children, large pets, or various other dependants, then thinking about the advantages of selling before you actually buy might be worthwhile. Of course you will need somewhere to live once your house is sold, but if a short term stay at somewhere (maybe at a parent’s, friends or air bnb) is feasible, then selling without the pressure of buying at the same time gives you more control over the sale of your house.

Moving into your next home

Buying your next home, when your family is expanding, can be equally as exciting yet challenging at the same time. You may be embarking on the next chapter of your life when two become three, or maybe a further new arrival is on its way.

Buying and selling a home together and becoming part of a “chain” of transactions can become frustrating and mysterious, with numerous buyers and sellers involved. A longer chain means more people involved and it may potentially take longer for everyone to be ready to exchange contracts and agree a completion date. If one party delays then the whole chain will be delayed, so be patient and make sure your agent can provide you with regular updates on the whole chain and not just your property. This is so that you can realistically manage your expectations as to when you will be moving.

Moving Home to Change School Catchment Area

Moving in the early years of your children’s life will mean that you are able to make sure that your new home is within the catchment area of the perfect school for your children. When planning your move, it is important to factor in that it will take around 12-16 weeks from a sale being agreed to the actual move in date. Most schools have deadlines for enrolment and you will either need to have exchanged contracts or have completed to enrol your children for the start of the following term. It is crucial to make sure that your agent and solicitor are aware of any time critical dates so that the whole chain is made fully aware.

Being clear with dates will help any last-minute issues with school placements. If you can only move during school holidays then make sure you tell your buyer and seller at the point of offer. Ensure that your budget has been properly considered. Moving home is expensive; you will have agent’s fees, solicitor’s fees, surveyors fee and most likely a higher amount of stamp duty than your first property. Your solicitor will be able to advise you on this.

On the day of completion, be organised and prepared, as the time of completion can be affected by how many people there are in your chain. Your solicitor will be unable to complete the purchase of your new home until they have received the funds from the solicitor acting for your buyer, who in turn could be waiting for funds from their buyer. This sometimes means that completion doesn’t take place until early afternoon. Aim to have your removal company packed up and ready to leave around midday but be prepared that you may not be able to collect your keys to your new home immediately.

Your removal company will have experience of sometimes having to wait to unload and they are there to assist you along the way. Have a ‘moving day box’ packed and in the car including a flask, snacks and something to entertain the children in case you do face delays in key collection.

Buying and selling your home at the same time will only be as stressful and frustrating as you make it. If you are realistic with your timings for the move and make sure you communicate any critical dates or timeframes you have with your solicitor and agent then this will increase the likelihood of them being achieved. Be mindful that you may incur delays on the way that are not within your control as synchronising a chain of people with different needs and their own timeframes can sometimes be challenging.

How do I find out who my new utility suppliers are?2022-02-03T16:50:21+00:00

How do I find out who my new utility suppliers are?

You can find this information out via www.findmysupplier.energy

U Switch also offer a postcode searching system, so you can find the best deal for your needs in your new home.

Moving Home Tips

If you’re never moved before this blog is for you! Our moving home tips blog is packed full of useful information and ideas. Perfect for first-time buyers moving house. We discuss all the moving home stages from a practical point of view starting with giving notice if you live in a rented property.

Give notice to your landlord

It is always worth giving as much notice as possible to your landlord – but the actual notice requirement will depend on your rental agreement. An average completion takes 8 weeks with Attwells Solicitors but your conveyancer will be able to offer you more advice regarding moving dates as this depends on the chain you are in.

Finalise your moving date: when do I start packing?

Once contracts are signed, you will then arrange a moving date.

Once you have a moving date you will need to confirm notice with your landlord if you are renting. This would be an ideal time to book time off work, book a removal service or ask friends if they are available to help you. You may also wish to arrange childcare or a place for your pet/pets to stay.

If you decide to use a removal company then check whether they offer additional services such as insurance and storage. Make sure that the removal company belongs to the British Association of removers and book your van at least 3 weeks prior to your moving date.

If you are moving now is a good time to start collecting boxes, your local supermarket or local shop may be able to supply you with some. We would recommend you start packing decorative, out of season, and other items you rarely use.

Make sure you label the boxes and keep your Fixtures Fittings and Contents Form to hand. You would have completed this form prior to signing your contract, therefore you are contract bound to leave the items agreed upon in this form.

Move your broadband and television?

Nowadays most people don’t have a home telephone. However, you will have a landline if you have broadband. Depending on where you are moving to you may not need to change your broadband provider. We would recommend you call your broadband provider up as early as possible to discuss your options. BT requires at least 2 weeks’ notice and may have to install a new line.

Depending on demand some TV and entertainment platform providers may require some notice to book an engineer’s visit. Also, explore if the current provider operates at your new address.

Both Sky and Virgin will require your moving date and new address to check coverage. You may also be asked to clear your outstanding balance. Sky charge an up-front one-off payment of £35 for installing your Sky TV on a weekday, a weekend is slightly more costing £50. It’s also worth noting they charge for missing your appointment, canceling or rescheduling on the day too. This is £25 and will be added to your next bill.

Virgin Media charges a £20 movers fee to transfer your service to your new address.

Moving Home Tips

Two weeks to go! Don’t panic!

Start running down your freezer and cupboards, items such as tins of baked beans or shower gel can take up a lot of room. It may also be worth measuring furniture to see what will fit down the stairs or out of the front door. Some flat pack items are not designed to be taken apart, so please be mindful. Equally, you may only need to partly dismantle some items, for example taking the legs off your bed.

How to notify or change your utility suppliers?

Firstly, you will need to check who supplies your new home. You can find this information out via www.findmysupplier.energy. U Switch also offers a postcode searching system, so you can find the best deal for your needs.

You need to call your gas and electric supplier at least 48 hours before you are due to move. They will ask you for your moving date and your new address so they can send you a final bill.

On the day we recommend you take a photo of your meters – gas, electric, and water. This will offer you proof of usage with a time and date should you need it.

Once you have moved you can call them supplying them with your final meter reading or you can inform them of this via their website.

7 days to go!

Prior to the big day finish off packing non-day-to-day items. Keep all your boxes in one room and if possible, note which ones are heavy. If you have any direct debits linked to your old home cancel them, likewise remember to cancel any regular orders, such as newspapers or milk.

Changing your address?

When you move, you’ll need to inform several organisations as well as family and friends of your move. Your place of work, your bank, insurance, pension, and credit card providers will all need to know. Along with your council (for council ta

x), the nice people at TV Licensing, your doctor and other health care providers, the DVLA, and benefit providers such as Working Tax Credits.

The Post Office does offer a useful re-direct service, alternatively, you could provide your buyers with a bundle of pre-paid envelopes to forward any mail. This method would be suitable for letters, however, parcels could be an issue, so remember to change your eBay account, Amazon, and any other online shopping providers.

The day before your move – What should you do?

The day before your move you should defrost your fridge freezer. Place towels and a bowl to capture the water. Please let your appliance defrost naturally. Once you have moved your fridge freezer you will need to let it stand for at least 30 minutes, 1 hour to be safe. This gives the gases inside time to settle.

Moving Home Tips

We would also recommend disconnecting large appliances such as washing machines – remember to fit transit bolts if required.

Another great tip is to pack a survival box for your new home. Including items such as a kettle, tea/coffee, and a toilet roll.

On the day of the move

You will need to turn off electricity, gas, and water supplies at the mains and take a final meter reading as suggested above. If the property is going to be vacant for a while drain the water system too. Finally, lock all windows and doors, make one last check, and say goodbye to your old home!

Further information can also be found on our YouTube channel.

What identification do I need to provide?2022-02-03T16:51:02+00:00

In order for us to take full instructions in relation to your transaction, we require identification for all parties.
We require one piece of photographic identification for each person and one piece of address identification.

If you are a legal entity (such as a company, trust, partnership or other entity), or if you live abroad, please ask for our further ID requirements.

PHOTOGRAPHIC IDENTIFICATION PROOF OF ADDRESS (we accept electronically downloaded documents)
Current signed passport Utility bill (gas, electric, landline phone bill) issued within the last three months
EEA member state identity card Local authority council tax bill for the current council tax year
Current UK or EEA photocard driving licence Current UK driving licence (but only if not used for the name evidence)
Bank, Building Society or Credit Union statement or passbook dated within the last three months
Original mortgage statement from a recognised lender issued for the last full year
Solicitors letter within the last three months confirming recent house purchase or land registry confirmation of address
HMRC self-assessment letters or tax demand dated within the current financial year
Electoral Register entry

We do not ask that you send original documents in to us as we do not want to run the risk that they get lost in the post but also with regards to photo identification, we need you to meet with someone face to face to ensure that the documents you are producing belong to you.

As a result, we would ask that you please take your identification documents to one of the following regulated professionals and ask that they take certified copies of the original documents:

Any of the following professionals can also take certified copies of the original documents:

  • Solicitor or Conveyancer from Attwells
  • Mortgage Broker
  • Estate Agent
  • Accountant
  • A Local Solicitor or Conveyancer

In order to take a certified copy, the document must be photocopied and on the photocopy, the person certifying must write as follows:

Photographic Identification: “I hereby certify that this is a true copy of the original and a true likeness of [Client name]” followed by certifiers name, occupation and signature.

Proof of Address: “I hereby certify this to be a true copy of the original” OR “I hereby confirm this is an electronic copy” followed by certifiers name, occupation
and signature.

My purchase is exempt from Stamp Duty – why have you included form fee in my quotation?2022-02-03T16:55:46+00:00

Why is a stamp duty form fee included within my quotation?

Although you may be exempt from paying stamp duty we are still required to complete a return to HM Revenue and Customs to notify them that the purchase has taken place.

In some cases it is also required for us to obtain the funds from your mortgage lender and therefore complete on your purchase.

Why is a stamp duty form fee included within my quotation – The SDLT Holiday means you still have relief up to £250,000.

Rates from 1st July 2021 to 30th September 2021.

Property or lease premium or transfer value SDLT Rate
Up to £250,000 0%
The next £675,000 (the portion from £250,001 to £925,000) 5%
The next £575,000 (the portion from £925,001 to £1.5 million) 10%
The remaining amount (the portion above £1.5 million) 12%

What if I am a higher ratepayer?

Higher rates from 1st July 2021 to 30th September 2021.

Property or lease premium or transfer value SDLT Rate
Up to £250,000 3%
The next £675,000 (the portion from £250,001 to £925,000) 8%
The next £575,000 (the portion from £925,001 to £1.5 million) 13%
The remaining amount (the portion above £1.5 million) 15%

What if I am a First-Time Buyer?

In England and Northern Ireland, you will pay no SDLT on properties worth up to £300,000. For properties up to £500,000, you will pay no SDLT on the first £300,000 but will then pay 5% on the remaining amount. If the property you’re buying is worth over £500,000, you will need to pay the standard rates of Stamp Duty and won’t qualify for first-time buyer’s relief.

If you wish to check your SDLT amount then please use the following calculator: https://www.tax.service.gov.uk/calculate-stamp-duty-land-tax/#/intro

Do I need to stay in touch with my Estate Agent?2022-02-04T11:03:40+00:00

Yes – It is important to stay in touch with your Estate Agent, even once Attwells are involved, and it’s in your estate agent’s best interests too! Build relationships with your agent and use them to assist and chase up anything that is needed to move your transaction along.

How long does conveyancing take?

Typically, Attwells complete in 12 – 16 weeks

At Attwells we use technology to move your conveyancing file on quickly.

Our conveyancers will also pick up the phone or send an email when requesting more information. This also speeds up the conveyancing process.

Of course, for clients who prefer a more traditional approach, we are more than happy to cater to your needs. We know not everyone has an email address.

What happens during conveyancing?

Accepting The Quote – Simply click the accept button within your email or agree the fee over the phone.

Paying Money Onto Your Account – We require £25 on account to enable us to carry out our ID checks on you. Payments can be made online, 24/7. The £25 will be taken off your final bill. In the unlikely event your conveyancing falls through, Attwells offer a no move, no fee promise.

Welcome Pack – Your conveyancer will send you a welcome email with a few basic documents. These can be filled in and signed using your phone.

Mortgage Valuations – Your mortgage provider will require a valuation of the property you wish to buy. The valuation is designed to confirm the property you are buying is worth the same or more than the value of your mortgage.

Send Reports – Everything outlined above (mortgage details, searches and draft contract) is reported to you. Our reports are written to be simple to read. However, if you prefer your conveyancer can talk you through your report. Below, is a list of frequently asked questions.

Signing Your Contract – Once you are happy after reading all the paperwork your conveyancer will send you your contract to sign. At this point, we will ask you for your 10% deposit.

Searches – Searches outlines any possible issues with the property and serves as reassurance for both you and your lender that the property is in good order. Attwells would always recommend cash buyers have searches carried out too.
Exchange Date – This is the moment everyone loves! It is when your moving date is confirmed.
Completion – Prior to completion we will receive your statement of funds required. Your funds will then be requested from your mortgage lender. Once we have your funds the keys will be released and you can move into your new home. Congratulations!
What happens if my sale doesn’t progress?2022-02-04T11:11:23+00:00

What happens if my sale doesn’t progress? Don’t worry! We operate a ‘No move, No fee’ policy. If you don’t move Attwells won’t charge you.

What is the timescale of selling a property?

What is the timescale of selling a property? Whilst there may be unavoidable delays, Attwells pride ourselves on transaction times that are four times faster than the national average.

Week 1: Instruct Attwells, pay money on account and complete the property information forms.

Week 2: Attwells issues the contract and ownership information to the buyer’s solicitors.

Week 3 to 6: Attwells agrees the contract and will help you satisfy all enquiries from the buyer’s solicitors.

Week 7 to 8: Moving date agreed and contracts exchanged – This makes the sale binding.

Week 9 to 11: You now have a guaranteed moving date. You can make arrangements and start packing. You will need to sign completion documents with Attwells. You will receive a statement showing the amount you will receive on completion.

Week 12: Complete. Move out and handover keys, any mortgage is redeemed and you should renew or make a will.

What are the timescales for exchange and completion once I return my documents to you?

What are the timescales for exchange and completion once I return my documents to you? An approximate timescale is eight to ten weeks however each conveyancing transaction is different and it is not possible to give a more detailed timescale at this stage. We will deal with your work as quickly as possible however the transaction can really only progress as quickly as the slowest party in the chain. Your appointed conveyancer will be able to discuss this with you in more detail and will keep you updated on progress as the transaction progresses.

Selling a property after Probate

As the Executor of the Will, you must write to all asset holders to get valuations of the deceased’s assets as they stood on the date they died. For bank accounts, this will be a statement. For property, you will need three professional valuations. For specific assets, like collections and shares, there are special valuation rules. You must also ascertain the extent of any Liabilities of the deceased.

Once the value of the estate is known, you can decide which Inheritance Tax (IHT) Forms and Probate Forms need to be completed to obtain the Grant of Representation.

Once the Grant of Representation has been obtained you need to first pay any Inheritance Tax (IHT) and Capital Gains Tax or Income Tax due. Any tax and administration costs can be deducted from the estate before it is distributed amongst the beneficiaries

Please note: Attwells Solicitors have produced this timescale as a guide only. Your transaction may take longer depending on your circumstances. A leasehold may take 4 plus weeks longer. For more information, please contact your conveyancer. www.attwells.com.

My maiden name is still on the deeds of the property I am selling….2022-02-04T11:19:26+00:00

What to do if my maiden name is still on the deeds of the property I’m selling?

If your maiden name is still on the deeds of the property you are selling we will need to see your marriage certificate. We will either need you to send the original which we can copy and then return to you or a copy that has been certified by a local solicitor.

What happens if I change my name when buying a property?

I got married recently and my identification is still in my maiden name. Do you need me to provide any other information? Yes, we will also need you to provide your marriage certificate. We will need you to send the original. We can photocopy it and then return to you. Or you could send us a copy that has been certified by a local solicitor.

How much will it cost me to change the names on my property deeds?

How much will it cost me to change the names on my property deeds? This depends on whether you have an existing mortgage or not and if the property is leasehold or freehold.

A Transfer of Ownership is required when you wish to transfer part or all of your property to another person. This can be vital for several reasons, but most commonly it’s due to a relationship breakdown. The process allows you to legally add or remove a person from the property title deeds, leaving at least one of the original owners in place.

However, if no original owner is remaining on the title deeds, you would require our conveyancing services, as this would become a sale or a purchase rather than a Transfer of Equity, even if no money changes hands.

How much will it cost me to change the names on my property deeds and what is included in the price?

  • Drawing a Transfer Deed to transfer the ownership of the property
  • Obtaining relevant signatories
  • Dealing with your lender’s consent to the transfer (where applicable)
  • Dealing with your remortgage (where applicable)
  • Dealing with your landlord’s requirements for the transfer  (where applicable)

What is not included?

  • Tax advice
  • Anything not listed as included above

Depending on your circumstances, Stamp Duty Land Tax may be payable. This has not been included in the quote. If SDLT is due, an additional £75 + VAT will be added to your quote for completing and filing the SDLT return. Land Registry Fees are due and will be payable based upon the purchase price. The Final Search Fee will be £20 plus VAT and Title Search Fee will be £20 plus VAT for a freehold or £30 plus VAT for a leasehold. We also have an additional fee scale you may wish to refer to.

I don’t have any photo identification – what should I do?2022-02-02T15:21:20+00:00

I don’t have any photo identification

If you don’t have a photo id we can accept three types of ‘proof of address’ documents listed on our identification requirements sheet together with proof of your date of birth. Your conveyancer will ask for your ID when buying and selling a property when instructing, you’ll then be sent a welcome pack.

What happens during conveyancing?

Accepting the quote – Simply click the accept button within your email or agree to the fee over the phone.

Paying money onto your account – We require £25 on account. This allows us to start your conveyancing and complete your ID checks. Payments can be made online, 24/7. The £25 will be taken off your final bill. In the unlikely event your conveyancing falls through, Attwells offer a no move, no fee promise.

Welcome Pack – Your conveyancer will send you a welcome email with a few basic documents. These can be filled in and signed using your phone.

Mortgage Valuations – Your mortgage provider will require a valuation of the property you wish to buy. The valuation is designed to confirm the property you are buying is worth the same or more than the value of your mortgage.

Send reports – Everything outlined above (mortgage details, searches and draft contract) is reported to you. Our reports are written to be simple to read. However, if you prefer your conveyancer can talk you through your report. Below, is a list of frequently asked questions.

Signing your contract – Once you are happy after reading all the paperwork your conveyancer will send you your contract to sign. At this point, we will ask you for your 10% deposit.

Searches – Searches outline any possible issues with the property and serve as reassurance for both you and your lender that the property is in good order. Attwells would always recommend cash buyers have searches carried out too.
Exchange date – This is the moment everyone loves! It is when your moving date is confirmed.

Completion – Prior to completion we will receive your statement of funds required. Your funds will then be requested from your mortgage lender. Once we have your funds the keys will be released, and you can move into your new home. Congratulations!

Can I speed up the conveyancing process in any way?2022-02-02T15:04:10+00:00

Can I speed up the conveyancing process

Attwells will make sure that your transaction is a priority from the moment you instruct us. You can also help to speed things along by being proactive from the very first stages, organising paperwork like searches and redemption figures as soon as you decide to move.

We encourage good communication and recommend a telephone call as the most direct form of contact.

Can I speed up the conveyancing process – Move Ready could help

Move Ready is an exclusive service from Attwells Solicitors. This new approach to conveyancing allows homeowners to sell their homes faster by up -fronting most of the conveyancing legal paperwork free of charge, provided you instruct Attwells to do the conveyancing. You must instruct Attwells’ Move Ready service before or at the same time as you go to market with an estate agent.

The benefits to Move Ready are that the following legal requirements will be completed prior to an offer being made:

  • Ownership documents
  • Planning, building regulations, and guarantees
  • The usual enquiries of the seller
  • Replies to the anticipated enquiries of a buyer
  • Searches of all the relevant authorities

By providing all the upfront information on your property you are reducing the risk of the sale falling through by 50%.

Be Move Ready with Attwells

Many of the traditional solicitors will not consider this method due to the up-front costs they incur. But Attwells believe it’s important to get the country moving again. Therefore, we are willing to begin working on your conveyancing straightaway at no extra cost.

Be Move Ready – please click the link below.

If you are happy with our quote you can proceed by filling in your details and paying a small sum to complete our identification checks, which will be deducted from your conveyancing costs.

When should I tell my landlord I’m moving?2022-02-02T13:10:16+00:00

It is always worth giving as much notice as possible to your landlord – but the actual notice requirement will depend on your rental agreement.

The average completion takes 8 weeks with Attwells Solicitors, but your conveyancer will be able to offer you more advice regarding moving dates as this depends on the chain you are in.

When should I tell my landlord I’m moving – How to get onto the Property Ladder?

Grow your deposit

The biggest hurdle for most potential homeowners is gathering together the sizeable deposit required to purchase that first home. There are schemes that can help you expand the reach of your deposit, such as the Help to Buy ISA. These savings accounts offer a decent interest rate compared to other savings methods, alongside a 25% contribution from the state, up to a maximum of £3000. Although the deadline for opening one of these accounts is the end of November this year, so move fast if you want to take advantage of this scheme.

Sharpen your credit rating

If you’re serious about getting a mortgage to buy a house, then you’ll need a strong credit rating. Even if you’ve been in debt in the past, there are ways you can boost your rating and show you’re now someone mortgage providers can rely on. For example, if you don’t already have one, get a credit card, make purchases on it, and then pay off the balance before you incur any interest payments. Over time, this will strengthen your credit rating.

Cut your rental costs

The lower your rental payments, the more you can save every month. Now, that’s easier said than done, especially if you’ve got your eye on a nice apartment in London. However, if you’re serious about your goal of getting on the property ladder and buying that first house, it’s worth thinking about downgrading in the short term. Being able to move back in with family, commuting from outside the city centre, or moving to a smaller rental property might feel like a step backwards, but as part of a long-term plan, it could actually bring you closer to the first rung of the housing ladder.

Will the new government be able to help you?

Boris Johnson has pledged to give millions of young people the chance to own their own homes… which sounds like a bold promise, but he may have a few plans lined up that offer a glimmer of hope for those who are currently trapped in the rental cycle.

For instance, MPs are considering offering a 20% discount to first-time buyers who buy a property in the area they grew up in, with the costs being absorbed by developers.

There is also the prospect of shared ownership, which allows home buyers the chance to buy a percentage of a property and pay a fraction of the rent on the part they don’t own, alongside their mortgage.

We are buying as a couple but I am paying the deposit2022-02-02T14:49:43+00:00

If you are buying as a couple but only one person is paying the deposit, you would not automatically be entitled to the value of the deposit if you decide to sell. You will require a Declaration of Ownership which is a vital part of moving house. The first and most important thing would be to speak with one of our skilled conveyancers who will be happy to help you.

What is a Declaration of Ownership?

A Declaration of Ownership is a contract between co-owners that clearly sets out the parties’ intentions at the time of the purchase.

If a dispute ever arose in the future the Court would use the Declaration of Ownership as the starting point and there would need to be strong evidence to show that the position outlined had since been varied.

The importance of having a Will

When you buy a property jointly with another party it is important at the outset to think about how you would want the equity in the property to be split between you.

Not only will this have an effect on how your ownership will need to be registered, but this can also avoid difficult conversations and costly litigation down the line.

If you do not want to own the equity in the property equally, or you wish to leave your equity to someone other than your co-owner on your death, then you must hold the property as tenants in common.

By holding the property as tenants in common you can each specify your share in the equity and on your death, this will pass in accordance with the terms of your Will. It is therefore vital to also ensure that your Will is up to date.

What is the timescale of selling a property?2022-02-04T11:10:04+00:00

What is the timescale of selling a property? Whilst there may be unavoidable delays, Attwells pride ourselves on transaction times that are four times faster than the national average.

  • Week 1: Instruct Attwells, pay money on account and complete the property information forms.

  • Week 2: Attwells issues the contract and ownership information to the buyer’s solicitors.

  • Week 3 to 6: Attwells agrees the contract and will help you satisfy all enquiries from the buyer’s solicitors.

  • Week 7 to 8: Moving date agreed and contracts exchanged – This makes the sale binding.

  • Week 9 to 11: You now have a guaranteed moving date. You can make arrangements and start packing. You will need to sign completion documents with Attwells. You will receive a statement showing the amount you will receive on completion.

  • Week 12: Complete. Move out and handover keys, any mortgage is redeemed and you should renew or make a will.

Please note: Attwells Solicitors have produced this timescale as a guide only. Your transaction may take longer depending on your circumstances. A leasehold may take 4 plus weeks longer. For more information, please contact your conveyancer. www.attwells.com.

What are the timescales for exchange and completion once I return my documents to you?

What are the timescales for exchange and completion once I return my documents to you? An approximate timescale is eight to ten weeks however each conveyancing transaction is different and it is not possible to give a more detailed timescale at this stage. We will deal with your work as quickly as possible however the transaction can really only progress as quickly as the slowest party in the chain. Your appointed conveyancer will be able to discuss this with you in more detail and will keep you updated on progress as the transaction progresses.

What is the timescale for buying a property?2022-02-02T15:42:41+00:00

What is the timescale for buying a property? Whilst there may be unavoidable delays, we pride ourselves on transaction times that are four times faster than the national average:

  • Week 1 to 2:  Instruct Attwells, pay money on account and provide evidence of your cash funds. You should instruct your mortgage valuation and survey.

  • Week 3: Attwells will undertake searches of the local utilities and authorities. Attwells will receive a draft contract and ownership information from the buyer’s solicitors.

  • Week 3 to 6: Attwells reviews and approves the contract. We will also review the ownership information and raise enquiries with the seller and receive satisfactory replies. Attwells receives results of all searches of the statutory authorities.

  • Week 7 to 8: Attwells send reports on the property, contract, and mortgage and obtain confirmation of how you will own the property. Attwells will send you documents to sign and require a 10% deposit to be paid.

  • Week 9 to 11: The moving date is agreed. All documents and the deposit are received from you. The contract is now exchanged – the purchase is now binding.

  • Week 12: You now have a guaranteed moving date. You can make arrangements and start packing. You will need to sign the completion documents. You will receive from Attwells a statement as to the money required to complete. This must be transferred in good time for completion.

Please note: Attwells Solicitors have produced this timescale as a guide only. Your transaction may take longer depending on your circumstances. A leasehold may take 4 plus weeks longer. For more information, please contact your conveyancer. www.attwells.com.

What does a conveyancer do?2022-02-03T16:03:08+00:00

What does a conveyancer do? Our team of conveyancers assist you with all the legal administrative work required to lawfully transfer ownership of a property or piece of land. Once you instruct Attwells we will begin liaising with all the necessary organisations connected to your transaction, such as local authorities, utility companies and Land Registry.

Our FAQ feature also contains information about timescales for buying or selling a property offering you further information.

an I speed up the conveyancing process

Attwells will make sure that your transaction is a priority from the moment you instruct us. You can also help to speed things along by being proactive from the very first stages, organising paperwork like searches and redemption figures as soon as you decide to move.

We encourage good communication and recommend a telephone call as the most direct form of contact.

Can I speed up the conveyancing process – Move Ready could help

Move Ready is an exclusive service from Attwells Solicitors. This new approach to conveyancing allows homeowners to sell their homes faster by up -fronting most of the conveyancing legal paperwork free of charge, provided you instruct Attwells to do the conveyancing. You must instruct Attwells’ Move Ready service before or at the same time as you go to market with an estate agent.

The benefits to Move Ready are that the following legal requirements will be completed prior to an offer being made:

  • Ownership documents
  • Planning, building regulations, and guarantees
  • The usual enquiries of the seller
  • Replies to the anticipated enquiries of a buyer
  • Searches of all the relevant authorities

By providing all the upfront information on your property you are reducing the risk of the sale falling through by 50%.

Be Move Ready with Attwells

Many of the traditional solicitors will not consider this method due to the up-front costs they incur. But Attwells believe it’s important to get the country moving again. Therefore, we are willing to begin working on your conveyancing straightaway at no extra cost.

Be Move Ready – please click the link below.

If you are happy with our quote you can proceed by filling in your details and paying a small sum to complete our identification checks, which will be deducted from your conveyancing costs.

What is Conveyancing and why do I need it?2022-02-03T16:11:38+00:00

What is Conveyancing?

Conveyancing is a term given to the legal transaction of the ownership of a property or piece of land. Attwells Solicitors employ conveyancing solicitors and licensed conveyancers who specialise in residential and remortgaging conveyancing.

About Attwells Solicitors

At Attwells we are experts at swift and efficient conveyancing. From start to finish, we make the process simple for you. You can instruct us online, receive a quote and pay for your initial ID, allowing your conveyancing to start straightaway.

You can even begin your conveyancing journey prior to selling or buying your home with our Move Ready and Offer Ready services. Attwells’ ‘Move Ready’ service – which gets much of the paperwork out of the way early – smooths the process to ensure a faster move. This is free, provided you instruct us to do the conveyancing and at the same time as going to market with your estate agent. Getting this organised first, reduces the chance of the sale falling through by 50%. ‘Offer Ready’ gets a first-time buyer financially ready to present their best possible offer. Both services will save you weeks off your conveyancing.

Our team

Attwells conveyancers are fully trained and supported by our property solicitors. We use client feedback in addition to continuing staff development so that we can review the performance of individual conveyancers, ensuring you receive the best possible service.

How long does it take?

Typically, Attwells complete in 12 – 16 weeks. At Attwells we use technology to move your conveyancing file on quickly. Our conveyancers will also pick up the phone or send an email when requesting more information. This also speeds up the conveyancing process. Of course, for clients who prefer a more traditional approach, we are more than happy to cater to your needs. We know not everyone has an email address.
Gifted Deposit: What information do I need?2022-02-03T16:19:42+00:00

Gifted Deposit: What information do I need? Your conveyancer will need a signed letter from the person gifting you they money confirming the amount they are gifting you, whether or not this is repayable (if it is the basis on which it will be repaid), their certified photo identification, and proof of address, and evidence for their source of funds (for example if this is savings from wages we will need to see three months’ worth of statements from the account/s that this money has been accumulated in overtime).

If the gifted deposit has already been given to you and is in your account then we do still need to see all of this documentation in respect of the gift.

Offer Ready is an exclusive service from Attwells Solicitors. This new approach to conveyancing allows home buyers to upfront some of the conveyancing work free of charge, however, you must instruct Attwells before you make an offer.

Whilst you browse for a home Attwells will:

  • Verify your Identity for Attwells and an Estate Agent
  • Understand and evidence your Deposit for Attwells and an Estate Agent
  • Prove Funding for the purchase for Attwells and an Estate Agent
  • Be ready to start the legal work immediately on sale agreed

This will save you on average over 4 weeks. 

By having this legal work completed you will have a greater chance of making a successful offer and moving quickly. We will provide your Offer Ready Certificate to your Estate Agent all free of charge. The Offer Ready Certificate will demonstrate to that Estate Agent that you have met all the steps to be Offer Ready.

Many of the traditional solicitors will not entertain this method due to the up-front costs they occur. But Attwells believe it’s important to support first-time buyers. Therefore, we are willing to begin working on your conveyancing straight away at no extra cost.

Declaration of Ownership

There may be various reasons why co-owners choose to separate their shares in the property.

This may be for the simple reason that one co-owner is putting in more money than the other to the purchase of the property and wants to ensure that they receive those funds back in the event of a sale.

Alternatively, one party may be paying more in terms of mortgage and bills as ongoing costs and may therefore wish to state that they own a greater share in the property than the other party.

Living together

The relationship between the co-owners will often dictate how the equity is divided. For example, friends or business partners will likely want to specify their shares in the property so that they can ensure this is left to their own family members on their death.

In order to document these shares co-owners should enter into a Declaration of Ownership.

What is a Declaration of Ownership?

A Declaration of Ownership is a contract between co-owners that clearly sets out the parties’ intentions at the time of the purchase.

If a dispute ever arose in the future the Court would use the Declaration of Ownership as the starting point and there would need to be strong evidence to show that the position outlined had since been varied.

What are the timescales for exchange and completion once I return my documents to you?2022-02-03T16:31:41+00:00

What are the timescales for exchange and completion once I return my documents to you? An approximate timescale is eight to ten weeks however each conveyancing transaction is different and it is not possible to give a more detailed timescale at this stage. We will deal with your work as quickly as possible however the transaction can really only progress as quickly as the slowest party in the chain. Your appointed conveyancer will be able to discuss this with you in more detail and will keep you updated on progress as the transaction progresses.

What is the timescale of selling a property?

What is the timescale of selling a property? Whilst there may be unavoidable delays, Attwells pride ourselves on transaction times that are four times faster than the national average.

Week 1: Instruct Attwells, pay money on account and complete the property information forms.

Week 2: Attwells issues the contract and ownership information to the buyer’s solicitors.

Week 3 to 6: Attwells agrees the contract and will help you satisfy all enquiries from the buyer’s solicitors.

Week 7 to 8: Moving date agreed and contracts exchanged – This makes the sale binding.

Week 9 to 11: You now have a guaranteed moving date. You can make arrangements and start packing. You will need to sign completion documents with Attwells. You will receive a statement showing the amount you will receive on completion.

Week 12: Complete. Move out and handover keys, any mortgage is redeemed and you should renew or make a will.

What is the timescale for buying a property?

What is the timescale for buying a property? Whilst there may be unavoidable delays, we pride ourselves on transaction times that are four times faster than the national average:

Week 1 to 2:  Instruct Attwells, pay money on account and provide evidence of your cash funds. You should instruct your mortgage valuation and survey.

Week 3: Attwells will undertake searches of the local utilities and authorities. Attwells will receive a draft contract and ownership information from the buyer’s solicitors.

Week 3 to 6: Attwells reviews and approves the contract. We will also review the ownership information and raise enquiries with the seller and receive satisfactory replies. Attwells receives results of all searches of the statutory authorities.

Week 7 to 8: Attwells send reports on the property, contract, and mortgage and obtain confirmation of how you will own the property. Attwells will send you documents to sign and require a 10% deposit to be paid.

Week 9 to 11: The moving date is agreed. All documents and the deposit are received from you. The contract is now exchanged – the purchase is now binding.

Week 12: You now have a guaranteed moving date. You can make arrangements and start packing. You will need to sign the completion documents. You will receive from Attwells a statement as to the money required to complete. This must be transferred in good time for completion.

Please note: Attwells Solicitors have produced this timescale as a guide only. Your transaction may take longer depending on your circumstances. A leasehold may take 4 plus weeks longer. For more information, please contact your conveyancer. www.attwells.com.

If my sale or purchase falls through will I need to pay any fees?2022-02-02T15:48:31+00:00

If my sale or purchase falls through will I need to pay any fees? Our quotations are provided on a no sale no fee basis, so if for any reason a matter does not progress to exchange and completion then you will not need to pay any legal fees to us. You will however be required to pay any third party costs such as the cost of the searches, so it may not be possible to refund the full amount of money you have paid on account.

Estate and Letting Agents Changes

In an effort to tackle the practice of “gazumping”, the Government is also proposing to encourage buyers and sellers to sign “lock-in agreements”, under which either party would face paying a financial penalty if they backed out of a deal without justification. The Government claims delayed decisions account for 250,000 house sales falling through annually.

The Government has also announced further measures, including:

  • A requirement for estate agents and freeholders to provide up-to-date lease information for a set fee and to an agreed timetable;
  • Strengthening Trading Standards so it can carry out more enforcement activity, including banning agents; and
  • Producing “how-to” guides for buyers and sellers

The NAEA has welcomed the commitment to further regulation and Russell Quirk, chief executive of online estate agency Emoov, also commented: “This is really great news. The industry and Government have talked to a long time to clean up house buying. If you add both speed and certainty to the process, there will be fewer transactions falling through, less wasted money, and less stress for the consumer.”

He added: “For far too long it has got away with being almost entirely unregulated. How can it be that financial advisers dealing with the loan for the property are vetted, but the people dealing with the asset itself and the trauma of a protracted process are not overseen or licensed?”

What happens if I change my name when buying a property?2022-02-02T15:52:32+00:00

I got married recently and my identification is still in my maiden name. Do you need me to provide any other information? Yes, we will also need you to provide your marriage certificate. We will need you to send the original. We can photocopy it and then return to you. Or you could send us a copy that has been certified by a local solicitor.

How much will it cost me to change the names on my property deeds?

How much will it cost me to change the names on my property deeds? This depends on whether you have an existing mortgage or not and if the property is leasehold or freehold.

A Transfer of Ownership is required when you wish to transfer part or all of your property to another person. This can be vital for several reasons, but most commonly it’s due to a relationship breakdown. The process allows you to legally add or remove a person from the property title deeds, leaving at least one of the original owners in place.

However, if no original owner is remaining on the title deeds, you would require our conveyancing services, as this would become a sale or a purchase rather than a Transfer of Equity, even if no money changes hands.

How much will it cost me to change the names on my property deeds and what is included in the price?

  • Drawing a Transfer Deed to transfer the ownership of the property
  • Obtaining relevant signatories
  • Dealing with your lender’s consent to the transfer (where applicable)
  • Dealing with your remortgage (where applicable)
  • Dealing with your landlord’s requirements for the transfer  (where applicable)

What is not included?

  • Tax advice
  • Anything not listed as included above

Depending on your circumstances, Stamp Duty Land Tax may be payable. This has not been included in the quote. If SDLT is due, an additional £75 + VAT will be added to your quote for completing and filing the SDLT return. Land Registry Fees are due and will be payable based upon the purchase price. The Final Search Fee will be £20 plus VAT and Title Search Fee will be £20 plus VAT for a freehold or £30 plus VAT for a leasehold. We also have an additional fee scale you may wish to refer to.

Will I have to pay Stamp Duty Land Tax (SDLT)?

Much the same as when a property is purchased from the previous owner when you transfer your property deed, SDLT needs to be considered.

We need to look at what the ‘consideration’ for the transfer is. The consideration is anything of monetary value that is provided to the owner of the property to effect that transfer. For example, this may be cash, the repayment of the mortgage, credit cards, etc.

SDLT is calculated on the total consideration for the transfer.

If there is more than one person purchasing or selling the property do you need ID from all of us?2022-02-02T15:54:07+00:00

Yes. We need photo ID and proof of address for everyone involved in the purchase or sale.

If a family member or friend is gifting you any money towards your purchase we will also need their ID and proof of address too.

What happens if I change my name when buying a property?

I got married recently and my identification is still in my maiden name. Do you need me to provide any other information? Yes, we will also need you to provide your marriage certificate. We will need you to send the original. We can photocopy it and then return to you. Or you could send us a copy that has been certified by a local solicitor.

How much will it cost me to change the names on my property deeds?

How much will it cost me to change the names on my property deeds? This depends on whether you have an existing mortgage or not and if the property is leasehold or freehold.

A Transfer of Ownership is required when you wish to transfer part or all of your property to another person. This can be vital for several reasons, but most commonly it’s due to a relationship breakdown. The process allows you to legally add or remove a person from the property title deeds, leaving at least one of the original owners in place.

However, if no original owner is remaining on the title deeds, you would require our conveyancing services, as this would become a sale or a purchase rather than a Transfer of Equity, even if no money changes hands.

How much will it cost me to change the names on my property deeds and what is included in the price?

  • Drawing a Transfer Deed to transfer the ownership of the property
  • Obtaining relevant signatories
  • Dealing with your lender’s consent to the transfer (where applicable)
  • Dealing with your remortgage (where applicable)
  • Dealing with your landlord’s requirements for the transfer  (where applicable)

What is not included?

  • Tax advice
  • Anything not listed as included above

Depending on your circumstances, Stamp Duty Land Tax may be payable. This has not been included in the quote. If SDLT is due, an additional £75 + VAT will be added to your quote for completing and filing the SDLT return. Land Registry Fees are due and will be payable based upon the purchase price. The Final Search Fee will be £20 plus VAT and Title Search Fee will be £20 plus VAT for a freehold or £30 plus VAT for a leasehold. We also have an additional fee scale you may wish to refer to.

Will I have to pay Stamp Duty Land Tax (SDLT)?

Much the same as when a property is purchased from the previous owner when you transfer your property deed, SDLT needs to be considered.

We need to look at what the ‘consideration’ for the transfer is. The consideration is anything of monetary value that is provided to the owner of the property to effect that transfer. For example, this may be cash, the repayment of the mortgage, credit cards, etc.

SDLT is calculated on the total consideration for the transfer.

Conveyancing articles

We have taken the time to explain different parts of the conveyancing process and to offer practical advice. This is especially useful for first-time buyers. A lot of our articles have been written based on the personal experience of our team of property solicitors and clients. We hope you find the information useful. If you have an idea for an article, please speak to your conveyancer who will pass on your request.

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