Buying A House Solicitor

It doesn't matter if you're buying your first home or if you have gone through the process before, buying a house is stressful and exciting in equal measure.

Without the right guidance, mistakes can be expensive. So you need an experienced solicitor to handle all the legals for you.

With our expert guidance, you can buy your next property with confidence. We offer fair, transparent pricing, you won't be hit you with hidden costs and we're with you through the whole process. We’ll answer any questions and make the process as straight-forward and as stress-free as possible.

“I would like to say a massive thank you to Ringrose Law for helping us achieve our goal of buying our first home, made a stress filled process easy to understand for us being first time buyers. Will be using your services again for sure!”

Ben Morely - 30th April 2024

The Process of Buying a House With Ringrose Law?

Buying a house can feel confusing, no matter how many times you've been through the process. The process might vary slightly based on individual circumstances. However, these steps provide an overview of what you can expect when buying a house;

Step 1: Setting Your Budget

Before you start house hunting, you need to make sure you know how much you can afford to borrow. Figure this out by adding up your income, savings, and any investments you have.

Step 2: Arrange a Mortgage in Principle

It’s a good idea to get a mortgage in principle before house hunting. This is a non-binding agreement from a lender. It tells you how much they might be willing to lend you based on your financial circumstances.

Step 3: Find a Property

Once you know how much you might be able to borrow, you can start looking for your dream home. You can do this through estate agents, property websites, or local listings. When you find a property you like, arrange to view it in person.

When you find a property, you want to buy, the next step is to make an offer to the seller through the estate agent. When your offer is accepted, the paperwork will begin.

Step 4: Hire a Conveyancing Solicitor

At this point, you'll hire us to handle the legal aspects. We'll draft contracts, conduct property searches, and liaise with the seller’s solicitor.

Step 5: Get Property Survey

Before you complete the purchase, it’s wise to get a property survey done. This will identify any structural issues or necessary repairs. These might influence your decision to buy the property or the price you’re willing to pay for it.

Step 6: Finalise Mortgage and Contract

Based on the survey results, you might want to renegotiate your offer. Once agreed, you can formally apply for a mortgage. If you already have a mortgage, you'll need a mortgage redemption statement which outlines what you owe on your existing mortgage. Meanwhile, we'll finalise the draft contract and detail the terms of the sale.

Step 7: Exchange Contracts

Once you and the seller are satisfied with the terms of sale, we'll exchange contracts. This makes the agreement legally binding. At this point, you’ll need to pay your deposit to the seller.

Step 8: Prepare for Completion

Between the contract exchange and completion, we'll prepare the transfer deed and make arrangements for you to pay the outstanding balance. You should also finalise your moving arrangements during this time.

Step 9: Completion

On the agreed completion date, we will transfer the remaining funds to the seller’s solicitor. Once received, the seller will hand over the keys, and you can move into your new home. we'll then register the transfer of ownership with the Land Registry.

Step 10: After Completion

After moving in, it’s time to settle into your new home. Make sure to notify every one of your changes of address and set up necessary utilities and services. We will also pay the Stamp Duty Land Tax.

Why Choose Ringrose Law When Buying a House?

At Ringrose Law, we understand that no matter how many times you have bought or sold property, it can be stressful.

A good conveyancing solicitor can make all the difference.

We’ll guide you through every step, making sure we dot every ‘I’ and cross every ‘T’. You’ll have peace of mind, feel reassured, and looked after.

• Simple and straightforward: We’ll speak to you in plain, easy-to-understand language and not confuse you with complex legal jargon.
• Reliable: If you have questions, we’re available to answer them. We’ll always keep you up to date with progress and you won’t have to chase us to find out what’s going on.
• Convenient: whilst we have 9 offices across the region so you can always call in and visit our team in person, we also have an online app dedicated to clients buying and selling their homes. The app gives you the convenience to manage the process online and at a time to suit you. The app is available to all clients if they wish to use it.
• Fixed fees: Our fees are fixed and transparent. The price we quote you is the price you’ll pay. There are no hidden fees.

“After recommendation, we chose Ringrose law to assist with the purchase of our new build house. From start to finish, they were efficient, and the app made keeping up with what was happening very easy. “

Lynne Bedford - 25th April 2024