First Time Buyer Solicitors
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First Time Buyer Conveyancing Solicitors You Can Rely On
Getting onto the housing ladder is a massive step forward for anyone, but the legalities involved can be a little daunting.
That’s especially true if you’re totally unfamiliar with the conveyancing process, which legally enables the ownership transfer of a property from one party to another.
For first time buyers, it can be particularly crucial to get clear and helpful guidance from a conveyancing expert you can trust.
What Does a First Time Buyer Solicitor Do?
Your conveyancing solicitor will handle each of the following processes on your behalf in support of your property purchase:
- Checking all contracts and titles
- Reviewing results of any searches carried out on the property
- Paperwork required to enable an ownership transfer
- Raising of enquiries with your seller’s solicitors
- Co-ordinating with mortgage lenders and estate agents
The First Time Buyer Conveyancing Process
Once your offer is accepted to buy a property, there are several essential steps you’ll need to take…
1 – Compare Conveyancing Quotes online and find a suitably qualified and experienced firm to help you.
2 – Instruct a Solicitor Firm to move ahead with the conveyancing process that will legally underpin your purchase.
3 – Review the Contract Pack, which should contain paperwork relevant to the property you’re buying such as title documents, energy performance certificates etc.
4 – Conduct Property Searches to identify any potential causes for concern. You conveyancer will advise you on which searches are required for your purchase.
5 – Arrange Surveys to assess the condition of your target property and check for any issues that could represent bad news for you as a prospective buyer. Conveyancing networks like Home Legal Direct can provide survey quotes upon request.
6 – Have your Solicitor Review your Mortgage Offer to ensure that your acquisition plans can move ahead as intended.
7 – Exchange Contracts with your Seller to make your purchase legally binding and move one step closer to the end of your conveyancing journey.
8 – Complete the Process, receive the keys to your new home and start moving in!
Ensuring Your Solicitor Is Approved by Your Lender
First time buyers must be aware that not every conveyancing or solicitor firm in England and Wales can act for every property purchase. Your instructed firm will only be able to act for your transaction if they are on your lender’s approved panel. This is an important consideration, as instructing a solicitor who is not approved by your lender can lead to delays or unexpected additional costs.
It’s essential to check if your desired firm is on your lender’s panel before instructing them. If you instruct through a conveyancing network like Home Legal Direct, they can advise on available firms that can act for your transaction.
What You Should Know as a First Time Buyer:
It’s recommended to instruct a solicitor or conveyancer to handle the legal work involved in buying a property. Particularly for First Time Buyers, a conveyancer provides essential guidance through contracts, searches, mortgage requirements, and the exchange and completion process.
Conveyancing for first time buyers typically takes 10–20 weeks, although timescales can vary depending on factors such as search turnaround times, mortgage approval, and whether the seller is part of a longer chain. Being well prepared and using a responsive solicitor can help minimise delays.
First time buyers should budget for Legal Fees and Disbursements such as property searches, Land Registry fees, and Stamp Duty (if applicable). Your conveyancing network will provide an upfront itemised quote to help you budget at the beginning of the process.
There are many different property searches that your solicitor or conveyancer could require. They will advise based on any requirements from your mortgage lender, the documents reviewed in the contract pack, and the location of the property.
These typically include local authority searches, drainage and water searches, environmental searches, but sometimes additional searches may apply.
The conveyancing or solicitor firm you instruct will only be able to act for your property purchase if they are on your lender’s approved panel. This is important, as using a solicitor who is not approved by your lender will not be able to complete your transaction. Changing solicitor firms late in the process will incur additional fees and delay the process so checking with the firm before instructing them is essential.
Reasons to choose Home Legal Direct
- Get great savings, unbeatable value and flexibility by instructing a conveyancer through Home Legal Direct
- If your property transaction falls through, fees paid to Home Legal Direct will be held for use on your new transaction
- Home Legal Direct’s client support team is available to assist throughout the process
- Complete your ID and AML checks quickly and easily online
- Searches and surveys arranged through Home Legal Direct for your convenience
- All major lenders are covered and changing between firms is at no extra cost
Get Specialist First Time Buyer Solicitor Support
Home Legal Direct provides tailored first time buyer conveyancing quotes via our easy to use and transparent website.
With Home Legal Direct, you will get a personalised quote in seconds, and be connected to one of our trusted service providers based in England and Wales.