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Sale & Purchase Guide
Click on any of the questions below to reveal the answer:
The legal work involved in selling, buying and remortgaging your home and the transferring of ownership.
Legal evidence of ownership of a property.
Freehold property is ownership of both the house and the land on which the property stands. Leasehold means that you own your property for the period of the lease and you have to pay ground rent to the freeholder for the land. The lease lists the responsibilities of you and the freeholder. We can advise on this.
We strongly recommend that a survey/home buyer’s report is carried out by a qualified surveyor before you enter into purchasing a property. Such survey will reveal any defects that the property may have.
We will recommend that various searches are carried out on your behalf to find out if there are any matters affecting the property which you should be aware of before buying it. We shall advise you on this.
When the contract has been signed by both the seller and the buyer, everyone in the chain is ready ot enter into a legally binding contract and when a moving date has been agreed contracts are exchanged. After exchange neither the seller nor the buyer can withdraw from the contract without incurring financial loss.
On exchange of contracts. this is usually 10% of the sale price but with prior agreement a lower deposit can be negotiated. We will advise on this.
This is the final stage of the transaction and depending on your circumstances the day which you have to move out of your existing property and you are no longer responsible for it and when your new house becomes legally yours.
A tax charged by the government to those buying property over £125,000.
From 4th December 2014 the SDLT rates have changed. When providing an estimate of your conveyancing costs we will calculate your liability where applicable but otherwise you may use the HMRC’s calculator to ascertain liability.
Unfortunately it is impossible to say precisely as no two transactions are the same. On average approximately six weeks, but this depends on how quickly finance can be arranged and whether there is a chain involved.
Please telephone us on 01484 538421 for a quote in respect of residential or commercial property.
We ensure that all our clients are kept informed at every stage of the transaction and that your house sale, purchase or both proceeds as quickly and smoothly as possible.
Our advice can extend to the tax and estate implications of property ownership, and we are careful to ensure that advice is tailored to the individual needs of our clients.
Please see our news article on ringfencing deposit monies.
What our clients say:
Thank you both very much for all your hard work and patience, we know it wasn’t as straight forward a job as it should have been but had it not been for your professionalism I’m sure it would have taken a lot longer. We will hopefully be back in touch soon when we have a buyer for our current house as we would like you to act for us again.
Adam provides a high quality and effective service that I do not hesitate to recommend to others. Good eye for detail and clear, timely communications. Highly recommended.
The service provided was of the highest standard from start to finish. Adam was friendly, thorough and professional which made buying our house easy and stress-free. I was recommended Ridley & Hall, and Adam in particular, by a friend and I would recommend him to everyone I know! Many thanks Adam
We found Adam and his staff to be excellent, to the point and very willing to go the extra mile to satisfy our need for detailed answers.
Just wanted to thank you for all your help and support in getting our house purchase through! I’m sure we’ve been the most bothersome clients you’ve ever had, but we really are grateful for your help. We are so excited to finally be moving and to really be able to get properly started on our new life back in England. We can’t wait to put up some coat hooks and pictures! Thanks!
Thank you for your e-mail and, whilst as you say the matter is not proceeding, I would like to say how impressed I was by your teams promptness and enthusiasm for keeping things moving at the time. I have bought/sold a few properties over the years and I must say this was very refreshing when compared to other legal firms that I have used.
I wish to thank you, Jill & Mark along with everyone else at Ridley & Hall who has dealt with my Mothers case over the past months. As you can imagine the past two years have been a very emotional and stressful period for my family as my Mother first became ill and finally passed away. The professionalism and rapidity we have received from yourselves has been a great help in these hard times. Personally it has left me with a very positive view of Ridley & Hall and you will certainly be my first choice when I next require legal representation – but I’m sure you’ll forgive me for saying I hope that time will not be too soon ;) Again thank you all your help.
Thank you so much for all your help with everything, you've made the whole thing as straight forward as possible. This process (and witnessing the shambolic behaviour of the seller's conveyancer) has taught me that a good lawyer is priceless when moving! - Doreena H, London
"Hi Adam, many thanks for all your help in completing the sale. We were took aback how much detail you covered in a short time scale, would you also pass on our thanks to your team who we know worked hard on this." - Terry & Susan, Leeds West Yorkshire
“To Mark and Helen, Thank you so much to you both for making all our legal needs go so smoothly! Best wishes Clare & Jane”