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In Poland, this function is performed by a notary, whose service is limited to the provision of property deeds and legalization of transactions. In England, legal process of buying your home go far beyond this type of framework.
Well, this choice can be left until we find the house we are interested. After price is agreed we will be asked to provide details of our solicitors to the acting estate agent.
This document confirms all the parties involved in the transaction and the purchase. At this point, we should return initial documents provided by the solicitor.
Contract pack may include:
gas safety certificates
any planning permissions and building regulation certificates if any work was carried out at the property.
Fixtures and Fittings form
Property Information Questionair – PIQ
Local authority search – This is a search of the local land charges register held with the local authority (although some of this information is now also dealt with by land registry but separate from the legal title). It will record information about the roads/accessways to the property, any notices served by local authority and any planning or building regulation applications or enforcement notices affecting the property.
Drainage and Water search – This is a search of the water authority records and will provide details of which water authority deals with the water supply to and drainage from the property. It will also provide details of any build over agreements in place if the property has been extended over the existing drains.
Environmental search – This is a search of the environmental agency records regarding current and past use of the land on which the property is build and the surrounding area, and how that may impact upon the property. It will also give basic details regarding flood.
Other searches – Depending on the Location of the property these may be additional searches that need to be done for example mining searches.
When the solicitor completes his checks and receives answers to all enquires, he is ready to report to the lender and subsequently steer transaction towards exchange of contract.
At this point, we should be sent a final statement, which will detail all fees including tax, deposit, and legal expenses. It is worth mentioning, that large sums of money should be transferred via CHAPS transfer which is quicker and more secured that standard bank transfer.
Exchange of contract – this is the moment of exchange of contacts between lawyers. After confirming the exchange of contracts, we are already the owners of the property, at least in the light of the law, although we will have to wait for the keys and full rights to the property until the completion moment, which will be determined at the time of exchange.
At the time of receipt of the entire purchase amount (deposit plus mortgage), the owner’s lawyer allows the keys to be issued. Then we can go to the estate agency for a well-deserved collection of keys.
