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DO NOT book your removals or make other arrangements that will incur expense until contracts have been exchanged by your conveyancer .
DO have a target completion date in mind, but you should be aware that no moving dates can be guaranteed until we are in a position to exchange contracts. Until an exchange of contracts takes place nothing is certain.
Your conveyancer require original or certified copy identification from you. If you have any questions concerning these requirements, please call your conveyancer.
If you are purchasing and there is no HIP, the chances are that your conveyancer will require a cheque from you for the conveyancing search fees. Without this cheque some conveyancing forms will not commence your purchase.
If you are purchasing a property and taking out a mortgage, please try to finalise your mortgage application arrangements as promptly as possible. Your conveyancer will request your mortgage advance on exchange of contracts or a few days before completion. Most conveyancing firms will and should advise you not to exchange contracts until your mortgage offer has been issued.
If you are purchasing a property and you have decided to have a survey done on the property it is advisable to ensure that these arrangements are put in place as promptly as possible.
If you are purchasing a property, it is common for a seller to require a deposit on exchange of contracts. Generally a seller will ask for 10% or 5% of the price of the property by way of deposit. Your conveyancer should discuss the deposit shortly before an exchange of contracts.
Please note that once exchange of contracts has taken place, unless provision is made in the contract, you will be legally bound to purchase or sell a property in its condition at that time. If you are purchasing, all conveyancing enquiries must be made before exchange of contracts.
Your conveyancer should send a contract to you for your signature before exchange of contracts. Your conveyancing lawyer should only exchange contracts when you are entirely happy and authorise the conveyancing lawyer do so.
If you are purchasing a freehold property, you must place any buildings insurance policies and life cover on risk from exchange of contracts onwards. With a leasehold property the landlord may be responsible for the buildings insurance. You will be responsible for contents insurance.
The date when you collect the keys will be fixed only on exchange of contracts and you can only be certain of a date to book your removals once an exchange of contracts has taken place.