• Contact the sellers solicitors to obtain and check:
  • Details of the title
  • Property information questionaire, fixtures, fittings & contents list
  • Sellers proposed contract
• Make the appropriate searches, raise any additional enquiries deemed necessary and check results
• Receive mortgage instructions from your lender
• Prepare documentation for you signature

• Register with RHY, by signing and returning the Terms of Business
• you will need to produce a form of photographic ID in accordance with 'Money Laundering' regulations.
• Arrange a survey (check with your lender)
• Arrange buildings insurance and life cover for all mortgagees
• Raise planning concerns with the Local Council
• Lodge deposit with your solicitor
• Obtain and evaluate quotes from removal companies
• Sign and return to your lender all relevant papers
• Sign and return to RHY all relevant documentation or call at the office to sign

• Carry out a valuation
• Check you are eligible for the mortgage
• Send RHY the mortgage offer and instruct them to check:
  • property title
  • proposed contract with seller
  • Local Authority & other required searches
  • That the mortgage conditions are complied with

• Obtain the title details
• Prepare and negotiate a contract with buyers solicitor
• Send you contract to sign
• Check mortgage redemption figure
• Confirm completion date
• For Leasehold property RHY will also:
  • Obtain apportionment's of ground rent from freeholders representative that are owing
  • Obtain apportionments of service charges, where applicable, from freeholders representative that are owing

• Complete property information form fixtures list and return to RHY with signed Terms of Business
• Consult with Estate Agent about availability of keys for your buyers surveyor
• Obtain and evaluate quotes from removal companies
• Sign & return contract to RHY, or call at office to sign

• Contracts exchanged
• Deposit handed over
• Completion date fixed

• Put buildings and life cover on risk

• Buyers deposit received
• Completion date fixed

• For Leasehold property RHY will also:
  • Request apportionment of any ground rent and service charges from freeholders representative that are due
• Prepare completion statement
• Conduct final searches
• Request mortgage funds from your lender

• Confirm removal company booking
• Book utilities connection at new property and, if relevant, disconnection at old property
• Agree arrangements to hand keys over to agents
• Notify change of address to:
  • Banks
  • Building societies
  • Credit card companies
  • Insurance companies
  • DVLA
  • Post office etc.

• Mortgage funds paid to solicitor

• For Leasehold property RHY will also:
  • Calculate apportionment of ground rent & service charge on information and receipts provided by you
• Receive final settlement figures from your lender
• Organise final accounts & prepare completion statement
• Approve deeds of transfer & send to you for signature or request that you call at office to sign

• arrange for hand over of keys
• Book removals company
• Ensure signed transfer deed returned to RHY prior to completion.

• Send purchase monies to sellers solicitor
• Transfer deeds, other title documents and papers from sellers solicitors

• Collect keys

• Pay off outstanding mortgage
• Settle Estate Agents account
• Request or pay balance of funds to you

• Leave keys with Agent

COMPLETE

MOVE OUT

• Pay Stamp Duty Land Tax (SDLT)
• Register your ownership with the Land Registry

• If required reassign life assurance policies
• Transfer Deed, other title documents and papers to buyers solicitor