Finances, Mortgages and Conveyancing

Once you’ve found the right home, we can guide you to your ideal mortgage, whether you want to mortgage, remortgage, buy to let or obtain commercial finance our independent financial advisor will be there to guide you. The independent financial advisor we recommend will be authorised and regulated by the Financial Services Authority. Your property may be repossessed if you do not keep up repayments on your mortgage.

To request an independent financial advisor please fill out the form below:

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Conveyancing

At Jack harvey, we are always pleased to recommend good local solicitors where we have recognised that they deliver exceptional customer service.

Mortgages

  Seller’s conveyancer Buyer’s conveyancer
  The seller may be referred to as a “Vendor” The buyer may be referred to as a “Purchaser”
Stage 1 SALE AGREED Obtain title deeds  
  Seller completes Property Information form and Fixtures, Fittings and Contents form  
  Copies of above plus draft contract sent to buyer’s conveyancer Receive information pack and raise additional enquiries
  Answer buyer’s additional enquiries Initiate Local Authority search
  Agree contract and arrange for seller to sign in readiness for exchange Approve contract
    Receive mortgage offer and instructions from lender.
Ensure life cover and building insurance arranged
    Request deposit, report to buyer and arrange for contract to be signed.
Place building insurance and life cover in force
Stage 2 EXCHANGE CONTRACTS All parties agree completion date and contracts are exchanged
Receive deposit from buyer
All parties agree completion date and contracts are exchanged
Hand over deposit to seller’s conveyancer
    Raise requisitions on title and prepare draft transfer Deed and mortgage Deed
  Obtain redemption figure from old mortgage lender and reply to Requisitions on Title Report on title to new mortgage lender, obtain funds for completion, including stamp duty
  Approve Transfer Deed and arrange for seller to sign it Prepare accounts, obtain buyer‘s signature to mortgage deed and undertake final Land Registry and Land Charges searches to check for debts and bankruptcy
  Receive estate agent’s fee account and seek seller consent to settle out of completion funds  
Stage 3 COMPLETION Receive completion funds
Instruct Browns to release keys
Pay off old mortgage and Notify Land Registry
Forward financial statement
Pay outstanding bills
Forward any surplus funds
Forward balance of funds to seller’s conveyancer
  Forward transfer documents and Deeds to buyer’s conveyancer Receive transfer documents and deeds
  Forward evidence of discharge of mortgage to buyer’s conveyancer Stamp Transfer Deed and pay Inland Revenue, register buyer’s ownership with Land Registry and forward Deeds to lender

 

Why should you consider Jack Harvey Estate Agents?

Our small team have over 40 years combined property experience and extensive local knowledge

  • We can guarantee a professional yet personal service
  • We are committed to keeping customers informed at every stage of negotiations and providing realistic advice throughout
  • We are community focused
  • State of the art technology
  • The latest marketing techniques in print and on the internet