Appointing a solicitor - for your mortgage

Appointing a solicitor - the legal process 

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When the offer you make on a property is accepted, the seller’s estate agent will normally ask you for your solicitor’s details to pass on to the seller’s solicitor. What the solicitor does:

The legal term for purchasing property is conveyancing and most people appoint either a solicitor or licensed conveyancer to do this work for them. In addition to the conveyancing work, there is also the lender’s legal work to be done in relation to the property you are buying. Most lenders will ask the solicitor you appoint to act also for them and this normally saves you money. You are responsible for all the solicitor’s costs, so it is worth getting quotes from a few firms as their charges may vary. The following things happen:

The seller’s solicitor sends documents like a draft sale contract etc so that your solicitor can start work

• Local authority enquiries (which means asking questions about plans for new roads, planning consents and other things which could affect the value)
• Contact the seller with questions about the property such as whether any alterations have been made, what fixtures and fittings are included, boundaries etc
• Exchange of Contracts (this is the point of no return, once each party has signed the contracts they are binding)
• The signed contract will include a completion date when the property becomes yours
• Deposit (at the point of exchange you will have to pay a deposit (if any) to the seller through your solicitor)
• Insurance policies to go into force from exchange
• Land Registry (your solicitor will do the final check )
• Transfer Deed (your solicitor will prepare the Transfer Deed, this is used as a record to show you as the legal owner)
• Completion (you will receive the keys once the monies have been sent to your solicitor)

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