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Moving Home

It has been said that moving home is one of the three most stressful situations you will encounter in your life.  At Howard & Co, our property specialists will work with you to make the process as easy and as stress free as possible.

Buying or selling a house 

For most people, buying a house is probably the biggest expense in their life.  It pays to get it right.  Our expert team will make sure that you avoid any pitfalls and get exactly what you pay for.  If you have a property to sell, we can deal with this alongside the purchase of your new home, to ensure as smooth a transaction as possible.  

Costs

In the majority of cases we are prepared to deal with such matters on a fixed fee basis, click here for some examples.  In more complicated cases we will give you a written estimate of the costs involved.  A list of our most common additional fees can be found here.

The conveyancing process

Our fees cover all of the work required to complete the purchase of your new home, including dealing with registration at the Land Registry and any payments of Stamp Duty.

Stamp Duty or Land Transaction Tax

Our fees include payment of Stamp Duty Land Tax (Stamp Duty) if the property is in England, or Land Transaction Tax if the property you wish to buy is in Wales.  The amount payable is based on the purchase price of your property.  You can calculate the amount you will need to pay by using HMRC's website or, if the property is located in Wales, by using the Welsh Revenue Authority's website.

How long will my house purchase take?

How long it will take from your offer being accepted until you can move in to your house will depend on a number of factors. The average process takes between 10-12 weeks.

It can be quicker or slower, depending on the parties in the chain. For example, if you are buying a leasehold property that requires an extension of the lease, this can take significantly longer, between 6 and 12 months. In such, a situation additional charges would apply.

Stages of the process

The precise stages involved in the purchase of a residential property vary according to the circumstances. Here are some of the key stages:

  • Take your instructions and give you initial advice

  • Check finances are in place to fund purchase and contact lender's solicitors (if needed)

  • Receive and advise on contract documents

  • Carry out searches

  • Obtain further planning documentation if required

  • Make any necessary enquiries of seller's solicitor

  • Give you advice on all documents and information received

  • Go through conditions of mortgage offer

  • Send final contract to you for signature

  • Draft Transfer

  • Advise you on joint ownership

  • Obtain pre-completion searches

  • Agree completion date (date from which you own the property)

  • Exchange contracts and notify you that this has happened

  • Arrange for all monies needed to be received from lender and you

  • Complete purchase

    • “Thank you so much for all your support and hard work. We appreciate all your help towards completing our house purchase.”
      (ES & JE)