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Buying A Property


We recognise that, for many people, buying or selling a house can be a hugely stressful experience. Our Residential Property team has a friendly and professional approach. We ensure that your sale, purchase or both proceeds as quickly and smoothly as possible.

Are you..We recognise that, for many people, buying or selling a house can be a hugely stressful experience. Our Residential Property team has a friendly and professional approach. We ensure that your sale, purchase or both proceeds as quickly and smoothly as possible.

Are you..We recognise that, for many people, buying or selling a house can be a hugely stressful experience. Our Residential Property team has a friendly and professional approach. We ensure that your sale, purchase or both proceeds as quickly and smoothly as possible.


The Key Stages & Steps of a Purchase

The Key Stages

  • Review the Contract and the Seller’s Title Documents.
  • Raise any enquiries which appear relevant from the information supplied and submit appropriate Searches.
  • Finalise the terms of the Contract for purchase.
  • We will arrange to meet with you or alternatively report to you in writing on the terms of the Contract, Search Results, Enquiries raised and obtain your signature to the relevant documents.
  • If you are borrowing any money, check the terms of the mortgage with you and report any relevant points to your lender.
  • When everyone in the chain is ready, Exchange Contracts on your Purchase. At this point you are committed to Purchase.
  • We carry out pre-completion legal arrangements and checks.
  • Obtain any Mortgage money from your Lender and any balance we will need from you.
  • On Completion Day: Arrange payment for the property and pay any stamp Duty Land Tax.
  • Register your ownership at the Land Registry. We will notify you once this process has been completed and provide you with a copy of your Legal Title.

Please click here for further details about timescales.

Steps

Step 1

Choose A House

Decide on your home and put an offer in on it, once it is accepted it’s time to find a solicitor.

Step 2

Meet With Us

Come and meet our team and we will reassure you of how simple and stress free we will make it.

Step 3

Our Process

See below for a detailed description of what our process consists of.

Step 4

Move In

Get the keys to your dream home and move all your stuff in. It’s as easy as that!


How We Help You

We follow a very regimented process to ensure that every aspect of the property sale is quick, efficient and stress free to you. Click through the steps below to see how we help you.


Ridley & Hall carried out the legal work and helped me purchase my house in an efficient, competent and timely manner. I would recommend Ridley & Hall and I will be using this company again. Thank you!


Q&A for First Time Home Buyers


Frequently Asked Questions

If you are a first time buyer and require to drawdown your ISA bonus, we need to do that for you.

Firstly, we will require you to attend the bank where is your ISA is being held and request that the account now be closed. The bank should be provide you with a closing letter/statement which we will need from you. This process can take up to 2-3 weeks, therefore, it is important you to attend your bank as soon as we instruct you to do so.

We also require you to complete and sign a First Time Buyer Declaration Form.
Once we have both these documents to hand, we can request the funds online in readiness for completion.

We will require you to call at our offices with the following documents:
i) A Passport or driving license (if you have neither, some other independent evidence to confirm your identity)
ii) A recent utility bill dated within the last 3 months which is proof of your current address.

There are occasions when we, as conveyancers, struggle to speak with the same person twice in solicitors firms representing the seller or buyer.  How frustrating must this be for a client?  When instructing us you will have an individual conveyancer who will handle your matter from start to finish, save that we do have holidays once in a while when the matter will come under the care of another conveyancer!

If you are buying the property in more than one name you must decide whether it is as:
i) Joint tenants (i.e. if one party dies, the property vests automatically in the survivor(s)
ii) Tenants in Common (i.e. you each own a separate share. Thus a deceased party’s share would form part of his/her estate.
If any joint purchase does not fall completely in either of these two alternatives, then we can prepare a Declaration of Trust for you. The aspects of a joint purchase can be discussed more fully when we meet to advise you on the papers.

We cannot accept money from any third party. In the event you are obtaining a gift of money towards your purchase, this money will have to come direct from your bank account. You will also have to provide a signed declaration by the person who is gifting you the same.
The Regulations impose a duty on us to ascertain information both about the nature of the instructions that you are providing and the source of any funds which will be used within the transaction.