The Process Explained:
Buying a home is one of the most exciting, and sometimes overwhelming, journeys you’ll embark on. The process can feel like a maze of paperwork, legal terms, and waiting periods. But don’t worry, we’re here to break it down into simple, easy-to-follow steps so you can navigate the process with confidence.
1. Find a Conveyancing Solicitor
Think of your conveyancing solicitor as your personal guide through the legal side of buying a home. They’ll handle all the complicated paperwork, check for potential issues, and ensure a smooth transition of ownership. Look for a solicitor who communicates clearly and keeps you updated throughout the process.
At Bespoke Law, we pride ourselves on making the process as simple as possible. For more information, please contact us today!
2. Review Contracts & Ask Questions
Once you’ve found your dream home, your solicitor will receive the draft contract from the seller’s solicitor. This includes essential information about the property, boundaries, and any potential restrictions. Some key forms you’ll need to review include:
- TA6 (Property Information Form) – Provides details on the property’s history, disputes, and utilities.
- TA10 (Fixtures & Fittings Form) – Lists what is included in the sale (e.g., appliances, carpets, garden furniture).
Don’t hesitate to ask your solicitor questions, this is your chance to clarify any uncertainties before moving forward.
3. Get a Property Survey (Optional but Recommended)
A property survey isn’t mandatory, but it’s highly recommended to uncover any hidden issues. A surveyor will check for structural problems like damp, subsidence, or faulty roofing. Based on the results, you may:
- Negotiate a lower price if costly repairs are needed
- Request the seller to fix issues before completion
- Reconsider if the property has serious problems
4. Conduct Legal Searches
To ensure your new home doesn’t come with hidden surprises, your solicitor will carry out several searches, including:
- Local Authority Search – Checks for planning permissions, road schemes, and building regulations that might affect the property.
- Environmental Search – Highlights risks like flooding, land contamination, and subsidence.
- Water & Drainage Search – Confirms drainage responsibilities and water supply details.
- Land Registry Check – Ensures the seller legally owns the property and checks for any restrictions.
5. Arrange a Mortgage (If Needed)
If you’re financing your purchase with a mortgage, now’s the time to get everything in order. Your lender will:
- Conduct a valuation survey to ensure the property’s worth matches the loan amount
- Issue a mortgage offer, which your solicitor will review to confirm all conditions are met
6. Get Buildings Insurance
Most mortgage lenders require you to have buildings insurance in place before exchanging contracts. This protects your new home against unforeseen damage like fire, flooding, or structural issues.
7. Sign & Exchange Contracts
Once all checks are complete and both you and the seller are happy, it’s time to exchange contracts! This is the moment when the transaction becomes legally binding. You’ll also agree on a completion date, the day you officially get the keys to your new home.
8. Prepare for Completion
In the final stretch, your solicitor will:
- Finalise all legal paperwork
- Arrange for your mortgage funds to be transferred (if applicable)
- Ensure everything is in place for a smooth handover
9. Completion Day – You Get the Keys!
The big day is here! On completion day:
- The final payment is made to the seller
- The property is legally transferred to you
- You pick up the keys and step into your new home!
10. Final Steps
Even after you’ve moved in, there are a few more things your solicitor will take care of:
- Paying Stamp Duty (if applicable)
- Registering your ownership with the Land Registry
- Notifying the freeholder (for leasehold properties)
- Providing you with all final documents for your records
Why Choose Bespoke Law?
At Bespoke Law, we believe buying a home should be an exciting and stress-free experience. Our expert conveyancing team provides clear guidance, regular updates, and personal support from start to finish. Our goal is to make the process simple and straightforward.
Ready to start your home-buying journey? Get in touch today on 0345 373 2030 and let us help you every step of the way!
