STEP 1

Instruct McEwens Solicitors

STEP 2

You pay the local search fee & fees indemnity premium and submit your mortgage application.  We receive the estate agents' notification of sale and request contract papers.

STEP 3

On receipt of contract papers we request the local search, check the contract papers and send you a fixtures list to fill in. 

STEP 4

We receive and check local search.  The house is valued on behalf of your mortgage lender.  You consider whether you require a homebuyers survey in addition to any valuation obtained by your mortgage lender. 

STEP 5

We receive your mortgage offer and report to you. 

STEP 6

You sign contracts in preparation for exchange.  Completion dates are discussed.  We require your deposit (unless this is coming from any related sale). 

STEP 7

Contracts are exchanged.  You are legally bound to buy the house on completion.  Your buildings and life insurance are put into force.  We request the mortgage funds and balance due from you. 

STEP 8

You book your removers (or van if moving yourself). 

STEP 9

We send you a statement of a/c and you send us the balance due to complete at least four days before.  

STEP 10

Completion.  You move into your new home.

STEP 11

We register you as the new owner of the house, send you a copy of the Deeds and forward the originals to your mortgate lender or to you if you have no mortgage.