Purchase of your property

Initially you need to inform your estate agent and mortgage provider / broker with Alfred Ledger & Son’s details. Your sellers property lawyer will contact us directly.

Survey & Searches

  1. Arrange a survey (consider a full structural survey or a home buyers report).
  2. Your Conveyancer will submit searches (to check local or planning issues).
  3. Lender will perform a valuation (lenders surveyor will carry out a valuation to see if property’s value is sufficient).
  4. Check the EPC certificate (will be available from estate agent).

Finalise the offer and mortgage.

Checks & negotiations

  1. Instruct the Lender to proceed (Once the mortgage has been proved, contact your lender to proceed).
  2. Mention any specific requirements to the conveyancer (for example planning extensions).
  3. Review any title and contract issues (your conveyancer will raise enquiries with regards to any issues revealed in contract, searches and title documents).
  4. Negotiate a completion date.

Contracts & completion

  1. Review contract with conveyancer (A contract will be sent to you for signing, together with the Transfer, Mortgage Deed (where applicable) and any other required documents).
  2. Exchange contracts (Once you have exchanged contracts, both you and the seller are legally committed to the transaction and your deposit will be paid).
  3. Negotiate a completion date.
  4. Obtain building insurance.
  5. Completion and final steps (Your mortgage money is received by your conveyancer and purchase funds are transferred to the seller’s conveyancer, keys are then handed over to the estate agent, your conveyancer will submit the stamp duty land tax and they will register purchase and mortgage with the land registry).