Category Archives: Mortgage Chelmsford

What are pre-conveyancing, conveyancing, and post-conveyancing?

Conveyancing Chelmsford
Chelmsford Upper High Street

In England, conveyancing refers to the process of exchanging ownership of a property from the seller to the buyer. People need to understand that home buying is a long and time taking transaction. It involves papers to be signed and exchanged between sellers and buyers. That’s mean seller might need more time, better price; your solicitor is engaged in some other case; the seller’s solicitor is not responding; anything can be possible in the events of home buying. Moreover, there are a few things that you need to undertake and complete before you can buy a new home in England. Therefore, I will explain the conveyancing process in three different headings, i.e. pre-conveyancing, conveyancing, and post-conveyancing.


The first time buyer is going to own a new home; therefore, they only be needed to buy a new home, but that is not in the case of the buyer who is selling a home at the same time or events. If buyers don’t have money enough to buy a home with cash in the banks, they need a mortgage or home loan to fulfil that money gap. Likewise, people can’t just visit a home “on sale” and buy it at the same date; first, they need a home that suit their income and operating money. Therefore, these things should be the part of pre-conveyancing stage in home buying deals. A few things that people needed to do before conveyancing of their homes are listed below:

  1. Selling previously owned homes
  2. Finding a home
  3. Hiring an estate agent or broker

Selling a home also need time to get enough price on the home. If there is still a mortgage or home loan left on your home, you will be paying it back to the lender. You can search a home in the area where you want the future home by yourself or you might need an estate agent who has the knowledge of the property market in that community or neighbourhood.


It is done in two stages, i.e. when the seller agrees with your price and let you search the home for evaluation report and surveys; second stage is when you solicitor do all the legal work, and the papers are signed both by you and the seller. In conveyancing, solicitor or buyer will

  1. Be getting a mortgage
  2. Home evaluation report
  3. Local search report
  4. Home surveys
  5. Signing contracts
  6. Exchanged of contracts between seller and buyer
  7. Land registry
  8. Stamp Duty

Getting a mortgage need the seller’s home to be evaluated because lenders want to ensure that the home buyer is buying is worth its value against the mortgage money. Search survey is not compulsory but buyers should search the home for any repairs needed in the home. Local searches save you from any future surprise against your property such as planning for a highway, footpath, environmental search, contamination search, flood risk etc.

Post Conveyancing

While all the things needed and requirements have been met for the exchange of property titles and the land registry, there are still a few things needed to be done. Such things include moving into your new home, receiving the legal documents of the property, dropping the legal documents to your mortgage lender until the loan is paid, property repair etc.

Final Words

A transaction in Conveyancing Chelmsford is one of the most expensive and time consuming transaction. Each step of buying home need time and attention to avoid any mistake. If you are a first time buyer, you should better hire a solicitor in England, it will help you avoid any mistake, and the deal will be done by a professional in the field.