Sorting out the legals

So you’ve found your dream home. You’ve reserved it. Got a mortgage. Found a solicitor. Here’s everything you need to know about the legal side of buying your home.

It all starts with a contract from us

Our legal team will draw up a contract and send it to your solicitor. They’ll get to work and begin the ‘enquiries and searches stage’ to check that there are no problems with the property. 

Enquiries and searches

There are a few things your solicitor will check on your behalf. They will have to wait for information from various sources, so this part can take up to 6 weeks to complete. The checks include:

  • Local authority searches – do the local authority know of any matters that could affect the property, such as proposed roads, industrial, residential, retail or industrial development?
  • Local Land Charges Register – this is also checked to make sure there are no tree preservation orders, listed building or conservation areas that have been affected by the construction of your home.
  • Enquiries made to Keepmoat Homes – these are often a set of pretty standard questions that make sure everything’s in order. The questions will ask for details of the property boundaries, what fixtures and fittings are included in the sale, information on guarantees etc.
  • Land Registry search – this makes sure there are no unusual rights of way access or disputes over who owns the land.

The next step – exchanging contracts

When your solicitor is happy with all the responses to the enquiries and searches. And when the formal mortgage offer has been received and the arrangements about paying the deposit been made, you’ll be ready to exchange contracts. 

You’re getting closer to owning your dream home. 

Both you and Keepmoat Homes will have a copy of the final contract. You sign yours and we’ll sign ours and then we exchange them. You’re now legally committed to the sale. 

If you’re waiting for your home to be completed, we’ll give you an approximate completion date at this time too. 

Legal completion

This is the day you’ve been waiting for. 

Once your brand new Keepmoat home is ready, it’s time to make you the legal owners. 

Your mortgage lender will release the funds to your solicitor. They’ll then transfer the funds to our solicitor. Once the money’s gone through we’ll hand over the keys to your new home. It’s all yours. 

And just to make sure, your solicitor will send their completion statement to you.

Yours with only
a 5% deposit

The Government-backed Help to Buy equity loan scheme has helped many people move into their new Keepmoat home with just a 5% deposit and more affordable mortgage payments.

Find out more
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