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The Process of Conveyancing Made Easy

Buying a property can be an overwhelming experience, whether it’s your first time or your third time. However, without the help of an experienced mortgage broker to guide you through the process, the process of buying a home can be made even more stressful than it needs to be.

When it comes to buying and selling property, you may have heard of the term ‘conveyancing’ and you might wonder what it means. Well, let us explain, as it plays a pivotal role in the buying process…

What is Conveyancing?

Conveyancing is the legal transfer of a property from one owner, to another, seller to the buyer. Without going through conveyancing, you cannot buy your first home or any other property.

Conveyancing starts when your offer on a house is accepted and finishes when you receive the keys to your home. The process involves a conveyancing solicitor or licensed conveyancer who acts on behalf of the buyer to ensure their client receives the title deeds to the property and the land it sits on.

Essentially, conveyancing encapsulates the entirety of the legal and administrative work required to ensure a house purchase is valid under the law. Understanding what conveyancing involves will help you ensure that there are fewer surprises that crop up along the way.

Cannot recommend Regal Finance enough! Matthew and Kirsti were amazing and completely took the stress out of the process. They were always available to answer questions and guide us through everything. I found they had access to a wider range of products than other advisors I had used in the past. I will be recommending Regal Finance Group to everyone I know!
L Fowler
L Fowler
Matthew and his team have gone above and beyond to help us with our mortgage. As first time buyers we decided to seek advice from a mortgage advisor. After having an offer accepted on a house we needed some support with the mortgage fairly quickly and Matthew managed to fit us in out of usual hours to suit us. We had a very detailed call with him and all our questions were answered. From this point onwards Kirsti managed our application and the whole process was fast and effortless as they managed everything. We made the best decision using Regal finance. If you choose to go with Regal you’ll be in good hands.
Jamie Wells
Jamie Wells
I can’t recommend regal finance group enough. Kirsti and Matthew have been amazing. They are so quick to respond and the advice they give has been so helpful. Don’t hesitate to get in contact if you need a mortgage. Thanks Jamie and Lauren
Sam Powell
Sam Powell
Excellent service and company
Erion Andoni
Erion Andoni
I recently had the pleasure of working with Rick to secure a mortgage for my new home and a buy-to-let mortgage for my existing property. Rick's assistance was truly invaluable throughout the entire process. Rick effortlessly guided me through both processes, making sure every detail was covered. His commitment to assist and his availability and willingness to answer my questions, no matter how small was exemplary. Rick's expertise in mortgages was impressive. He made a complex process seem straightforward. I wholeheartedly recommend Rick as a mortgage broker. He is not only skilled but also genuinely cares about his clients' success.
I did my due dilligence looking at various brokers and was pleased to have received excellent help and direction from the Regal Finance Group. From the lead advisor to the administration team we were kept updated and communication was steady. Our situation was not an easy one for the team but they persevered and assisted us well.
Peter Nelson
Peter Nelson
We've had a great experience with Regal Finance Group both getting our mortgage initially and now re-mortgaging a few years later. Particulalry during the current turbulent market we really appreciated how calm they made us feel by presenting our options clearly and answering all of our questions. We'd highly recommend them, they have really taken the stress out of mortages!
samantha sothcott
samantha sothcott
Matthew and Kirsti at Regal Finance have been absolutely brilliant through a difficult remortgage. Always available to talk through anything and explain processes when needed. I would definitely recommend their services and thank them for their guidance.
amy evans
amy evans
Kirsti and Matt were super helpful and always at the end of the phone to explain everything in detail to me. They saved us a lot of money and had great contacts to use and everyone worked together really well to get it over the line in time. Would highly recommend
izzy P
izzy P
Can not recommend enough! Matthew and his team gave me the most amazing support throughout my process. Buying a property for the first time can be daunting and Matthew gave me fantastic advice and talked me through everything in as much detail as I needed.

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Standard Conveyancing Practice

During the process of buying a home, your conveyancer or mortgage lender will refer to the “exchange of contracts”. The exchange of signed contracts between the buyer and seller is what legally commits both parties to the sale of the property.

It’s important to note that a house purchase is not legally binding until contracts are exchanged between the buyer and the seller. This gives freedom to both parties prior to the exchange of contracts. A deposit, typically of 10 percent of the purchase price is required at the exchange of contracts.

During the phase prior to exchanging contracts, either party is entitled to cancel the transaction, with no obligations to the other party. This can potentially increase the risk of gazumping if you are part of a lengthy moving chain.

Upon the exchange of contracts, the buyer and seller are both legally committed to the purchase and the agreed terms of the sale. If you decide to pull out of the agreement at this stage, you may automatically lose the deposit you paid upon exchange.

There’s a lot to know when it comes to conveyancing and you’ll require a solicitor or conveyancer. Technically, it is possible for you to deal with your own conveyancing, however, it is a detailed, lengthy and complicated process and is a big responsibility. So we highly recommend the use of a qualified and experienced property lawyer.

Luckily, we help provide conveyancing services to you so you won’t have to worry about the legal stuff. A solicitor or conveyancer will handle all the legal aspects of buying or selling a property for you and a good one will keep you updated regularly, and can really support you in what is likely to be a stressful process. It’s an important role, so it’s important to choose carefully.

Setbacks Along The Way

When it comes to buying and selling homes, it’s likely that you will face some setbacks along the way, either minor or major. The vendor may drop out, which is just bad luck and very frustrating. You can ask them for a contribution towards your legal fees, but they are under no obligation to pay. You may even encounter an uncommunicative solicitor or the costs can increase when you’re in a chain, problems could be found during a survey and you might have face difficulty getting a mortgage.

However, we can help minimise the number of setbacks you face and help you tie up the loose ends to complete the process of buying a home. The majority of property buyers are better off with a professional conveyance, especially when they are buying a home for the very first time.

So get in touch today to find out how we can help you with getting the right mortgage and conveyancing.

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