Property Services

• House sales and purchases

• Flat/apartment (leasehold) sales and purchases

• Commercial sales and purchases

• Agricultural sales and purchases

• Creation of Partnerships (especially in Farming).

• Re-mortgages and other Charges

• Transfers of Equity and Declarations of Trust

• Residential, Commercial and Agricultural Landlord & Tenant issues

I wanted to thank you, Richard, and Paul for the effort, work and of course the positive outcome of the sale of the Land at Bell Farm. I appreciate that there must have been frustrating times during the process of sale but finally, your diligence and perseverance paid off.

Pricing – Purchase of a Residential Property

Please note that there will be two elements to the prices as set out below:

1. Fees charged by Hutchinson & Buchanan; and
2. Fees payable to third parties.

Please ensure that you consider both parts of our pricing information.

Work included and key stages

The precise work and stages involved in the purchase of a freehold residential property vary according to the circumstances. However, we have set out the key stages involved in a typical purchase transaction:

• Take your instructions and give you initial advice
• Check finances are in place to fund the purchase and contact the lender’s solicitors if needed
• Receive and advise on contract documents
• Carry out searches
• Make any necessary enquiries of seller’s solicitor
• Give you advice on all documents and information received
• Acting for your lender and advising you on the relevant conditions of your mortgage offer
• Check the title of the property and prepare the document to transfer ownership to you
• Send the final contract to you for signature and ask you to pay the agreed deposit to us so that contracts can be exchanged
• Agree a completion date (date from which you own the property)
• Exchange contracts and notify you that this has happened
• Arrange for all monies needed to be received from the lender (if applicable) and you
• Complete purchase
• Deal with payment of Stamp Duty Land Tax, including the completion of the SDLT form
• Deal with application for registration at Land Registry
• Notify you and your lender (if applicable) of registration once confirmed.

If your property is leasehold property, as part of the supplemental fixed fee we would also include the following in our service:

• Preparation of and service upon the Landlord of any required Notice of Transfer/Charge
• Preparation of and service upon the Landlord of any required Deed of Covenant.

Services excluded

Our service will not include any of the following:

• Advice on the value of the property
• Advice on the suitability of your mortgage or any other financial arrangements
• A physical inspection of the property to ensure that it has been built in accordance with any planning permissions granted
• Advice on any planning implications unless instructed to do so which may be subject to additional charges
• Advice on any search result findings that identify contaminated land, fracking sites or other environmental issues
• Advice on tax (other than SDLT) or other accounting matters.

Approximate / average timescales

How long it will take from your offer being accepted until you can move into your house will depend on a number of factors. However, the average process takes between 10 – 12 weeks.

It can be quicker or slower depending on the parties in the chain and the efficiency of third parties involved in the purchase such as the seller’s solicitors, the solicitors representing other buyers and sellers in the chain, your bank if you are taking out a mortgage, search providers and the relevant local authority to conduct your local search.

Factors that could increase costs

In some circumstances we may increase our fees to account for additional time, work or skill required to meet your instructions. Examples include:

• If your lender makes detailed instructions requiring us to deal with matters other than those relating to the title to the property
• If your lender instructs another conveyancer to act for them
• If the lender requires anything other than a simple certificate of title (a simple certificate of title is standard with most lenders) in order to send the mortgage funds to our firm
• If a trust document is required
• If there is a defect in the property title which requires remedying prior to completion, including advising on and putting in place any indemnity insurance)
• If the transaction requires a new lease to be granted rather than an assignment of an existing lease
• If the transaction is complex ie those including agricultural land or woodland, the property is mixed use or commercial
• Commercial/mixed use transaction
• The property has non-standard restrictions on title.

Pricing – Sale of a Residential Property

Please note that there will be two elements to the prices as set out below:

1. Fees charged by Hutchinson & Buchanan; and
2. Fees payable to third parties.

Please ensure that you consider both parts of our pricing information.

Work included and key stages

The precise work and stages involved in the sale of a freehold residential property vary according to the circumstances. However, we have set out the key stages involved in a typical sale transaction:

• Take your instructions and give you initial advice
• Check the title of the property you are selling
• Prepare documents, the contract of sale and deeds relating to your sale
• Dealing with questions and enquiries raised by your buyer(s)’ solicitors
• Reporting and providing information to you relating to the property you are selling
• Exchanging contracts following any necessary negotiations on the terms
• Approving the transfer deed from the buyer(s)’ solicitors
• Completing your sale and accounting to you for the proceeds or receiving from you any monies required to complete the sale
• Dealing with all post-completion matters, particularly repaying any outstanding mortgages or loans.

If the property you are selling, is leasehold we will also provide the following service:

• Corresponding with the management agent to obtain the leasehold information pack.

Services excluded

Our service will not include any of the following:

• Advice on the value of the property
• A physical inspection of the property
• Advice on any planning implications unless instructed to do so which may be subject to additional charges
• Checks on the property to ensure that it has been built in accordance with any planning permissions granted
• Advice on any search result findings that identify contaminated land, fracking sites or other environmental issues
• Advice on tax or other accounting matters.

Approximate / average timescales

How long it will take from you accepting an offer on your property until the sale is completed, will depend on a number of factors. However, the average process takes between 4-6 weeks.

It can be quicker or slower depending on the parties in the chain and the efficiency of third parties involved in the sale such as the buyer’s solicitors, the solicitors representing other buyers and sellers in the chain, your buyer’s bank if they are taking out a mortgage, search providers and the relevant local authority to conduct your buyer’s local search.

Factors that could increase costs

In some circumstances we may increase our fees to account for additional time, work or skill required to meet your instructions. Examples include:

• If there is a defect in the property title which requires remedying prior to completion
• If we are required to discharge more than one mortgage or loan on the property
• If we are required to obtain retrospective approval to any alterations to a property or obtain an insurance indemnity policy in relation to any problem concerning the transaction
• If your property is Leasehold and a chief rent or ground rent is payable and you do not provide an up to date rent receipt
• If the transaction is complex ie those including agricultural land or woodland, the property is mixed use or commercial
• Commercial/mixed use transaction
• The property has non-standard restrictions on title.

Pricing – Mortgage or re-mortgage of a Residential Property

Please note that there will be two elements to the prices as set out below:

1. Fees charged by Hutchinson & Buchanan; and
2. Fees payable to third parties.

Please ensure that you consider both parts of our pricing information.

Work included and key stages

The precise work and stages involved in the mortgage or remortgage of a residential property vary according to the circumstances. However, we have set out the key stages involved in a typical mortgage/ remortgage transaction:

• Take your instructions and give you initial advice
• Obtaining your title deeds
• Checking the title of your property
• Carrying out searches if required by your lender
• Acting on your mortgage lender’s instructions
• Explaining the terms of your mortgage to you
• Preparing the mortgage and other documents and obtaining your signature to them where appropriate
• Reporting to the mortgage company and obtaining the mortgage advance
• Completing the remortgage. This is the date when the old mortgage will be repaid and the new mortgage will commence
• Registering the transaction with the Land Registry
• Forwarding the title documents to the mortgage company and accounting to you for any money held on your behalf.

Services excluded

Our service will not include any of the following:

• Advice on the value of the property
• Advice on the suitability of your mortgage or any other financial arrangements
• A physical inspection of the property
• Advice on any search result findings that identify contaminated land, fracking sites or other environmental issues
• Advice on tax (other than SDLT) or other accounting matters.

Approximate / average timescales

The length of time that it will take to complete your mortgage or remortgage will depend on a number of factors. However, the average process takes between 2-4 weeks from receipt of mortgage offer.

It can be quicker or slower depending on the parties in the chain and the efficiency of third parties involved in the mortgage or remortgage such as your lender, search providers and the relevant local authority to conduct your local search if required. 

Factors that could increase costs

In some circumstances we may increase our fees to account for additional time, work or skill required to meet your instructions. Examples include:

• If your lender makes detailed instructions requiring us to deal with matters other than those relating to the title to the property
• If your lender instructs another conveyancer to act for them
• If the lender requires anything other than a simple certificate of title (a simple certificate of title is standard with most lenders) in order to send the mortgage funds to our firm
• If a trust document is required
• If you require a lifetime mortgage
• If there is a defect in the property title which requires remedying prior to completion.

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