Buying your home | Guide to buying



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Buying your home

We have prepared this guide to explain the conveyancing procedure and what happens at any particular stage. No two transactions are ever entirely the same but they all follow a similar format and we hope that this will help you understand what we will do, what you need to do and what your mortgage lender (if any) will do.

Smith Law Partnership will:	Whilst you need to:	Your mortgage lender will:
Contact the Seller’s Solicitor to obtain contract papers Raise any necessary enquiries and check the replies Carry out searches and check the results Provide you with an initial report on your purchase property Receive mortgage instructions from your lender and deal with their requirements Prepare all the documents for signing and report to you Agree completion date with all parties	Arrange a survey (check with your lender) Raise any concerns or queries regarding the property with us Obtain buildings insurance quotes and investigate removals. Organise your deposit ready for exchanging contracts Ensure all necessary papers are signed and returned to us or your mortgage lender as appropriate	Check that you are eligible for the mortgage Carry out the valuation or survey of your property Send you and us a copy of your mortgage offer together with details of any conditions
Exchange of Contract
Contracts exchanged and deposit handed over Prepare a financial statement Carry out final searches Request mortgage monies in time for the completion date	Buildings insurance on risk Confirm removal company booking Forward to us any monies required to complete purchase	Send mortgage monies to us in readiness for completion
Completion
Send monies to Sellers Solicitors Receive title deeds and transfer from Sellers Solicitors Pay the stamp duty Register your ownership with the Land Registry Send you a copy of your title deeds and forward the originals to your mortgage lender	Read meters and collect keys MOVE IN

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