The conveyancing solicitors at our Wickford branch are experts in dealing with all aspects of buying and selling residential property.
From the sale or purchase of both freehold and leasehold properties, to re-mortgages, transfers of equity, and agreed lease extensions, our property solicitors are ready to look after all the legal aspects of your move.
We understand that finding the right conveyancing solicitor can be a daunting task. With so many options to choose from, it’s important to take your time and find one that best suits your needs.
When you work with Cunningtons solicitors to help with your property transaction, you can relax. We are regulated by the Solicitors Regulation Authority (SRA), are part of their Conveyancing Quality Scheme, and have been dealing with property transactions for more than 250 years.
Why do I need solicitors for conveyancing?
When you are buying, selling or remortgaging property in England or Wales, the transaction needs to be legally ‘conveyanced’. Conveyancing is the legal transfer of property between parties, and ‘residential conveyancing‘ means that the property in question is residential, rather than commercial.
Although anyone can convey a property themselves, using a firm of specialist conveyancing solicitors to act for you is far easier than learning how to do it yourself. Your conveyancing solicitor will be your point of contact throughout the process; this includes dealing with Stamp Duty Land Tax (SDLT), searches, the land registry, your legal fees, and any issues to do with the local authority.
Online conveyancing, or in person?
Using a local firm of conveyancing solicitors – Cunningtons LLP for example – means that you know who you are dealing with. You have one conveyancing solicitor assigned to your transaction, and you are likely to have met them personally at their office, or at least to have spoken to them on the phone.
This means that you are dealing with someone personally, which helps when the matter is as important as your home. It is reassuring to know that one property solicitor is looking after your transaction.
If you opt for online conveyancing, the service is remote. This may be absolutely fine; however, if an issue does come up with your property transaction it is far easier to deal with it if you are working with a local business, with a conveyancing solicitor who knows you.
Click here to order your conveyancing quote from Cunningtons solicitors in Wickford.
Wickford conveyancing solicitors – are you buying, selling or remortgaging?
Your residential conveyancing quotes will vary according to whether you are buying, selling or remortgaging a property, and if the property involved is freehold or leasehold. But your quote from Cunningtons will be on a fixed fee basis – your conveyancing quote will be what you pay.
Get A Quote
Click here to order your quote from our residential conveyancing solicitors
Conveyancing for Buying Property
Once you have agreed to your conveyancing quote for our legal fees, the process for purchasing your property means we contact your seller’s conveyancing solicitors to check the title deeds, run the required searches, communicate with your mortgage company to confirm all the money is in place, and report back to you with all the documents that you are required to sign.
Then when you have exchanged contracts, we:
- ensure the deposit money is in the right place,
- prepare all the completion papers and statements,
- submit the certificate of title to your lender,
- make sure all search information is received,
- then make sure that money from the mortgage lender is paid into the correct account.
Finally, it’s time for completion. We:
- make sure all the money has been paid to the seller’s solicitors in exchange for the deeds and documents,
- resolve the account with you,
- pay stamp duty land tax (SDLT),
- and finally, register you as the new owner with the Land Registry.
For more information on what your property lawyers do during the buying part of the conveyancing process, click here.
Conveyancing for Selling Property
When it comes to selling your house or flat, the residential conveyancing process is slightly simpler, though the legal side is just as important. Start off by asking our solicitors for a fixed-fee conveyancing quote.
When you have agreed to our legal fees quote and signed up with us as your conveyancing solicitors:
- your mortgage company sends us your title deeds, as well as a statement of the amount of money you still owe for your property.
- Your buyer’s solicitor then asks us for any other information they need.
- We then prepare a sale contract with preferred dates to complete – this leads to the Exchange of Contracts.
- The buyer then pays the deposit money into our solicitor account,
- then we get a statement from your mortgage company.
- As your conveyancing solicitor, we receive the money we need to pay your estate agent’s commission fee, and this is all accounted for in your financial statement.
- we move the money gained from the sale to you, your estate agent, and your mortgage company.
- We arrange for your estate agent to hand over the keys to your property’s new owner.
- We then send you any remaining money, as well as a statement detailing all the expenses of your sale.
- Finally, we send over the title deeds to the buyer’s solicitors – and your property is sold.
For more information on the selling part of the conveyancing process, click here.
Conveyancing for Remortgaging your Home
Our conveyancing solicitors are not all about moving home; we can help with remortgaging too. When you remortgage your property in Braintree or elsewhere, you still need to make sure the legal side is taken care of to ensure your home is secure.
Our conveyancing service has you covered here too.
Once you have agreed to our quote, your named solicitor receives your title deeds, and a copy of your title from the Land Registry. They then run searches as required.
Your lender then sends your solicitor your new mortgage offer, and you get sent the mortgage deed to sign.
They arrange to receive the money from your new loan and get an updated account of your loan amount. After one or two final search checks, your remortgage is complete – the remaining money goes into the correct accounts and your remortgage is registered with the Land Registry.
Read more about conveyancing for remortgaging.
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What areas does the Wickford branch cover?
Each branch of Cunningtons’ solicitors has a team of expert property solicitors who usually cover property transactions in their area – so the Solihull branch would deal with property in Solihull, Birmingham and the Midlands, the Braintree branch focusses on the Braintree area and Essex, the Brighton office works in Sussex and the South East, and so on.
Although our Wickford office focusses on property transactions around Wickford and Essex, Cunningtons deals with property transactions across England and Wales. This is made easier through our specialist residential conveyancing solicitors in the other branches throughout our network.
Cunningtons Solicitors in Wickford
Tel: 01268 732268
Fax: 01268 732274
Kate is a Residential Conveyancing solicitor and partner in charge of Cunningtons’ Wickford office.
We do not generally recommend using an online conveyancer; though you often pay a lower fee, the level of service will also be lower.
You will rarely speak to the same person twice, and you have to be wary of the extras they add on.
When you are dealing with something as valuable as your home, it is important not to take risks. And the potential small savings to be made by using online conveyancing don’t add up – yet. You should meet the solicitor who is working on your case face-to-face.
A conveyancing solicitor is regulated by the Solicitors’ Regulation Authority (SRA), is a member of the Law Society, will have degree-level qualifications and at least two years on the job training before qualifying.
Whereas a conveyancer tends to be regulated by the Council for Licenced Conveyancers (CLC) and is usually less qualified, although they can still be perfectly competent.
With such large amounts of money changing hands, there can be attempts to steal them in transit.
It is easy to avoid fraud if you follow simple rules:
1 Never ever disclose bank account details by email.
2 Never pay money into an account whose details you have received by email.
3 Both you and your solicitor should pay into accounts whose details you have received by phone or in person.
4 Ideally, test the veracity of bank account details by making an initial payment of £1 – which you then verify by telephoning your conveyancing solicitor – before paying any more.