Residential Property Conveyancing Lawyers

Your Conveyancing Solicitors

Moving home is widely accepted as one of the most stressful things you will ever do – as well as being one of the most expensive – which is why you need a great solicitor alongside you to make the process as pain-free as possible. Whether you’re a first-time buyer, moving to a new home, considering a re-mortgage, or you’re looking to expand your property portfolio, our residential property solicitors will provide a personal and professional support system.

Do I need a solicitor when I’m buying a home?

Yes, is the simple answer. This is probably the biggest purchase you will ever make, so you need to make sure your legal rights and responsibilities are clear.

You’ll need a solicitor to ensure a smooth process, to ensure your interests are protected and to make sure that the sale isn’t held up due to issues that could have been avoided.

We will receive and advise you on contract documents from your seller’s solicitors as well as carrying out searches with the land registry and local authority (and obtain further planning documentation if required).

Your conveyancing solicitor will advise you on all documents and information received and provide you with a full report of the risks, responsibilities and rights that go with the property. This will also include advising you on the conditions of the offer made by your mortgage lender.

Once the terms of the purchase are agreed, we send you a final contract for signature. Following the exchange of contracts we arrange for all monies needed to be received from your lender and you – but you will need to arrange your move yourself.

At this point we can complete the purchase for you and you will then own the property.

After completion, we will deal with payment of Stamp Duty Land Tax and registration of your purchase at Land Registry.

It’s important to note that your solicitor does not dictate the timescale for completion, the main factors are the wishes of the other party to the transaction, lenders and builders, and most of all other linked transactions.

Selling Your Property

When it comes to selling your home, getting advice from experienced conveyancing experts is invaluable. We’ll be with you every step of the way to ensure your transaction is completed as quickly and effectively as possible.

We’ll deal with the buyer’s solicitor and any lenders, estate agents and other parties who will be able to help move your sale towards a successful conclusion.

Our service includes drafting contract documents, ensuring there are no issues with ownership of the property, resolving any issues and responding to enquiries from your buyer.

Your conveyancing team will also oversee the Exchange of Contracts and agree a completion date (this is the date from which you will no longer own the property)

We will arrange for all monies received and needed to be transferred in line with your instructions before completing the transaction.

Throughout the conveyancing process, you will be able to contact us by letter, telephone and email. We endeavour to respond to you within 48 hours of your request but please be aware that our conveyancers are busy and at peak times or if your queries are of a significant number this may not always be possible.

Remortgaging A Property

Remortgaging your property can be done for a variety of reasons and involves repaying your existing mortgage and replacing it with a new mortgage. As there is a lot to consider, such as the effect of personal loan on Remortgaging, we always advise obtaining independent financial advice before switching to a new mortgage agreement.

While we don’t advise on financial products and mortgage deals, our property solicitors will do all the legal work that is needed in order to switch the mortgage over at Land Registry.

We’ll work as quickly as possible and make sure all the legal requirements being expertly dealt with by our friendly team of property solicitors.

Remortgaging a property is a three-stage process:

First of all, we request detailed information on the owners and will need standard documents including ID and current building insurance before we carry out relevant searches and request Redemption Statement(s) from your current lenders – this shows the amount that is needed to pay off the existing mortgage as well as any early repayment fees.

Secondly, we will review your mortgage offer, ensure all mortgage conditions are complied with and set a completion date.

And then, upon completion, we confirm the Redemption amount with your existing Lender, confirm the figures with you and then release the funds to all parties before paying any balance due to you.

How much will it cost?

Whether you’re buying or selling your house, we operate on a fixed fee basis as far as possible. This is calculated on the value of the property, whether it is freehold or leasehold and how complicated the financing of the transaction is.

Why choose Brown Turner Ross as your property specialists?

Buying or selling a home is one of the most important transactions most of us ever make. We want to make it as easy for you as we can and will do all we can to make sure that everything goes smoothly.

We are proud members of The Law Society’s Conveyancing Quality Scheme (CQS)

The Law Society set up the Conveyancing Quality Scheme in February 2011 with a view to establishing a recognised quality standard for residential conveyancing. We were first accredited in December 2011 and have been re-accredited every year since then. This means that you can be sure that:

All of our staff who deal with your transaction have the highest level of integrity;

•  We adhere to good practice management standards;

• We use prudent and efficient conveyancing procedures through the Scheme Protocol;

• All of this is designed to drive up standards of service and to benefit you as our client.

For more information about how we can help you make the move, contact our team of conveyancing specialists in Liverpool or Southport today.