With our expert knowledge and local contacts we can help you through the process of buying and selling property making it as stress free as possible.

We can guide you through your property transaction explaining the process step by step in a jargon free way. Your transaction will be dealt with by an experienced property solicitor who will be on hand through out the whole process. We shall see you when required and be on hand via the telephone or email if you prefer.

We are able to deal with:

• Sales


• Purchases


• Multiple purchases


• Right to buy


• Re-mortgage


• Transfer of equity

We are panel members for most major and minor mortgage lenders. This enables us to deal with nearly all mortgage lenders so that no outside party is required.

Please contact us for a quotation on 01792 648111.

We have set out a list of frequently used terms to help and provide you with more information.

Absolute title
This is the best title that the land registry can give a property on
registration.

Bankruptcy search
This will be carried out on most transaction. It is a search
carried out against the purchaser’s names to ensure that they have not been made bankrupt. If the search is clear then the mortgage lender will advance the loan.

Common parts
Part of a building usually a flat which is used in common with
other occupiers such as a stair well

Completion
This is the date when the Seller will move out of the property and the Buyer moves in. From this date the property will no longer be legally owned by the Seller.

Covenants
These are obligations usually referred to in the title deeds or
held on the register at the Land Registry. They either restrict the owner from doing something or make them obligated to carry something out.

A common example is not to alter something or to keep and maintain a fence or wall.

Easement
A right over land which benefits another e.g. right of way.

Exchange
This is the moment when the sale or purchase becomes
binding. The Seller must sell and the Buyer must buy. It must happen on the date agreed and at the set price. Prior to exchange either party is entitled to walk away without any obligations or implications.

It will take place between both parties solicitors.

This is also the time when a deposit it usually paid. This is usually 10% of the purchase price but it can be less.

FENSA
A certificate provided on the installation of new windows or doors after April 2002.

Freehold
Land which is held for life and can be sold at the freeholder’s
request.

Good Leasehold
This title may be granted to some leasehold properties on
Title registration. It is not the best title and many lenders will require that it is either upgraded, insurance is taken out or an abstract of the freeholders title is obtained.

Land Registry
This is where the recording of all information about the
ownership of land is held.

Leasehold
A form of ownership for a term of years. Most leasehold titles are between 99 and 999 years. The freeholder will require payment of ground rent and service charge.

Overriding interest
Rights or liabilities in favour of others which burden the
property and are not referred to in the title documents

Party Wall
A wall over which two adjoining land owners have rights and responsibilities to maintain

Transfer Deed
This is the document which passes the legal ownership of the
property from the Seller to the Buyer. This will need to be sent to the Land Registry following completion