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Buying

We know that buying a property is a huge commitment and choosing the right solicitor is just as important.  At Banner Jones, we have helped thousands of people in Sheffield, Chesterfield, Mansfield, Dronfield and across the country to purchase their new home.

For a free, no obligation conveyancing quote call our residential property team on 0330 017 6309

The process of buying a house

The conveyancing process can seem overwhelming. At Banner Jones, we believe that our simple and hassle-free approach has helped thousands of people to relocate.

Step One: Instructing us on your behalf

Upon approval of your conveyancing quote, we will send you a “Client Care Letter”, this will give us permission to act on your behalf.

We will contact the seller’s solicitor to request property information which will include:

  • Fixtures and fittings information
  • Property contents information
  • An energy performance certificate

During this time, we will start doing searches on the requested property. All mortgage lenders will require searches to be done. The search process can take time to obtain information from third parties. However, we highly suggest that you have a mortgage offer (if required) and a home insurance quote ready.

Step Two: Receipt of information

Once we have received all the information from the seller’s solicitor, you will need to have your deposit ready. In most cases, the deposit will be 10% of the property purchase price. You will be required to give your buying solicitor the deposit three to five working days before exchanging contracts. If you are buying or selling this may not be required as we usually take the deposit on the sale of your property.

Step Three: Enquiries

At this stage, we have reviewed all the information, identified any potential issues and dealt with any concerns. We will discuss the contract and resolve any problems you may have. If you are happy with everything, you can sign the completed contract. 

Before the contracts can be exchanged, everyone involved must agree and confirm a suitable completion date. It is recommended that a completion date is confirmed by both the buyer’s and seller’s solictor, as this will avoid disapointment.

Step Four: Exchange of contracts

The exchange of contracts is legally binding between both parties.  We will deal with requesting funds from your mortgage lender, complete any searches and request any outstanding balances required from you.

Step Five: Completion date

On successful completion of the transaction, the keys can be exchanged. Your conveyancing solicitor will take care of any Stamp Duty (if required) and register your ownership with the Land Registry.

Next steps

For more information about the conveyancing process, speak to our residential team on 0330 017 6309 or completion our contact form.

Banner Jones Conveyancing Reviews

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Instant Conveyancing Quote

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Fast, safe, secure, online conveyancing

Flying Start LogoFlying Start

We know how important time is to you, especially when moving house.

Our new Flying Start portal allows you to complete the initial part of the process online at your convenience.

You can agree your quote, sign the T&Cs, complete a selfie online ID check and fill out your initial paperwork from your phone

Flying Start - Login

Key Benefits

  • Speeds up the conveyancing process - Typically saves 2 weeks on the average transaction.
  • Safe & Secure - Two factor authentication so you can be assured you information is always secure.
  • Quick & Convenient - Complete your initial documentation online,  meaning that you don't need to print, sign or post important documents back to us.
  • Easily provide ID - Full integration with a state-of-the art selfie I.D. verification tool, meaning you don't need to visit the office to provide ID.
  • Secure Communication - Easily communicate with our team directly through the portal.

Choose Banner Jones When Buying A House

If you are considering the purchase of a new build house, you may want to look into the new help to buy scheme which was launched in April this year. Banner Jones have already helped buyers move into properties using this scheme, and we can help you every step of the way.

At Banner Jones, our highly trained solicitors in Sheffield, Mansfield, Dronfield and Chesterfield offer support and care to all of our clients. We take a professional approach to each case whilst ensuring that all of our services are fully confidential. We provide advice on each of the steps involved in buying a house to help guide you through the conveyancing process.

Chesterfield and Mansfield removals

At Banner Jones Solicitors, we intimately understand the emotional, physical and financial strains our clients face when moving home. In an effort to further reduce the stress of moving for our clients, we can recommend some of the best removals companies in the local area to ensure that everything is well taken care of from initial quote, through completion and ultimately right through to the sigh of relief that comes when you sit on the sofa once everything is done.

Offering bespoke quotes from the transportation of a few items of furniture through to the packing, transporting and unpacking the contents of large family homes and beyond, we hope that our conveyancing clients will enjoy the peace of mind that comes with knowing that the contents of your home are being handled and transported with great care.

With proven track records, comprehensive insurance, experience and professionalism, we are confident that these local companies will provide a removals service to suit your requirements.

OCON removals   TASC removals

Mansfield

 

Chesterfield

Recognised Success

  • Conveyancing Quality

Guides

97% of our clients would recommend us to a friend
(Ongoing Client Survey)

The service I received was excellent.

Mrs B, Dronfield

The receptionist staff on both days we visited your office were extremely friendly and the whole experience of dealing with Banner Jones was wonderful

T Howard

The service I received couldn't have been better!

Mrs C, Chesterfield

I received excellent service for the purchase of my house

Mrs S,Sheffield

I would like to thank you for everything you did towards the sale of my house and buying this one over here. You smoothed some very difficult times for me and your calm approach put things into perspective. It's good to be able to trust someone in that situation. It was a pleasure to deal with you and I wish you all the best in your career in the future. If I ever think of moving home again, I will be in touch. I couldn't have done it without you! You go that extra mile.

Ms W, Chesterfield

Would highly recommend this firm, my recent house purchase was all sorted in 4 weeks. Kate Skelton was excellent! Very thorough, kept me updated, returned my calls, couldn't fault the service in any way. Had tried to buy a couple of properties in the last year and the other law firms in Chesterfield handling those sales for the people I was buying from were not good... I followed Kate's advice and so glad I did as I have a great property and I'm really happy. I have used Banner Jones for employment issues and an accident claim over the last 15 years.

Ms P, Wingerworth

Thank you for your excellent service, as a first time buyer your advice was a welcome comfort.

Mr S, Chesterfield

Everyone was very helpful and made the experience of buying our first home easy and stress-free.

Mr & Mrs Q, Ecclesfield

Kate and Nathaniel made the process of buying our house incredibly straightforward. Everything was explained clearly and without legal jargon. They were calm even when there was an issue very near to completion, which helped us stay calm.

Ms T, Newbold

Great service from start to finish. Josh kept us updated throughout the process and was always very prompt with responses. Highly recommended.

Mr & Mrs B, Mansfield

Frequently Asked Questions

At what point in the process is it legally binding?

You can withdraw from a sale or purchase up until the point contracts have been exchanged. Any deposits paid after exchange of contract will then by non-refundable. After contracts are exchanged you are then responsible for the property you are buying and should arrange suitable insurance from this date.

How long are local searches valid for?

A local authority search completed for a house purchase is valid for 3 months.

How long does the conveyancing process take on average?

We usually say 4-6 weeks for an average sale or purchase. Queries and concerns can often come out of the local authority searches which need further investigation and sometimes this leads to re-approval from the Mortgage lender. This can add further time into the process.

What happens if we can’t produce certificates for work we’ve had done on the house we’re selling?

You can indemnify the work by taking out an insurance policy. This means that you can not be held liable for any future fault on the work that was done. We can arrange this for you

What is Stamp Duty and how much will I have to pay?

Stamp Duty is a tax levied by HM Government on a transfer of property. For residential property this tax is calculated at 1% for property values between £125,001 and £250,000, 3% for values between £250,001 and £500,000 and 4% for those of £500,001 and over. Duty may also be chargeable on any rental charge (leases only) - this affects both residential and commercial leases where different thresholds are applied.

What is the difference between Joint Tenants and Tenants in Common?

Tenants is Common is where two or more people are entitled to the proceeds of sale in distinct shares - on the death of one, his/her interest will not pass to the survivor(s) but will be part of his/her estate. Joint Tenants are on the other hand 50/50 Co-owners of land - when one of them dies, his/her rights of ownership pass to the survivor(s).

What happens if we are in a national lockdown and we have exchanged to move?

Unfortunately, in this situation the seller will not be able to give vacant possession, which will lead to completion delays and penalties. If this situation arises, we ask that clients be sensible and accommodating of the unprecedented situation.   If contracts have been exchanged then usually it would result in interest and compensation being paid to you, however if you are in a chain the same will apply to your buyers, so to keep the chain going it may be better just to accept the delay.   As a preventative measure, we can offer to exchange and completion on the same day which ensure that contracts are only exchanged if all parties in the chain are able to move on that day.  

Under normal circumstances, we would not recommend simultaneous exchange and completion as it does have its risks, since there is no guarantee, until the day itself that you will actually be moving.  This means that if you are paying deposits to removal companies or arranging for services to be disconnected when we have no legal assurance that you will move.    Please be aware that if you do instruct us to carry out a simultaneous exchange and completion this is done entirely at your own risk and Banner Jones Solicitors cannot be held responsible for any losses that you might incur if the transaction does not complete.

Will a surveyor/valuer attend the house I want to purchase or are they not carrying out surveys currently due to coronavirus?

Each company will be following their own policies and procedures as well as the government guidelines, which may result in a slower service or more precautions being put in place, or indeed surveys being cancelled.

What happens if the house I am buying has quarantined owners in it?

Unfortunately, in this situation the seller will not be able to give vacant possession, which will lead to completion delays.  As a preventative measure, as per question 1, we can offer to exchange contracts and complete on the same day, which ensures that contracts are only exchanged if all parties in the chain are able to move on that day, thus reducing the risk to all parties.  This can be more stressful so we ask that clients be sensible and accommodating of the situation.

An investor has pulled out causing our chain to collapse, what can we do?

The current market and national economy is so uncertain that people may choose to wait and indeed remove their risk by pulling out of the transaction.  Although there is no reason not to carry on as normal in terms of the legal process we have to consider slower transaction times or hesitant investors or buyers.

What happens if there are disruption to banking services due to coronavirus?

If banks or mortgage lenders are unable to move funds around due to staffing shortages then this will disrupt your completion, however, be reassured that they will be doing everything they can to prevent this scenario.

Will the search providers be able to carry out searches during the coronavirus measures?

The majority of the searches are automated through computer systems and will therefore not be affected, however, the local authority searches are done by visiting the council offices.  Please therefore expect lengthy delays on the return of those searches as some council offices are not allowing visitors.

Will removal companies be happy to enter properties during the coronavirus measures?

As things stand, it will be down to the individual companies who will have their own policies in place so the best thing is to contact our remover and discuss their policy with them.

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