Your important calls

• You emphasise the time-scales to your solicitor and the mortgage company, also send your solicitor a cheque for the SEARCH.
• You need to: chase bank for mortgage survey; call solicitor to establish whether draft contract received; call Dexters so we can liaise with your seller.

Your finance

• You submit a mortgage application & cheque for SURVEY, emphasising time-scales.
• References and credit checks completed.
• Mortgage valuation instructed.
• Surveyors contact Dexters to make appointment to carry out mortgage valuation.

Your solicitor

• Receives instructions to act for you.
• Sends questionnaire to you.
• Your solicitor requests draft contract from seller’s solicitor and waits for that to arrive before applying for a search.
• Waiting for draft contract.
• Waiting for draft contract.

You / your solicitor

• Advise your solicitor sale agreed and he will get the necessary paperwork together. If you have a mortgage, your solicitor applies to the mortgagees for deeds.
• Property information sent to you by seller’s solicitor (fixtures & fittings etc).
• Property information forms fully completed by you and returned to solicitor.
• Once solicitor has received all info / forms etc. he will now prepare draft contracts and send out to your buyer’s solicitor.

• Dexters sends memos of sale to all parties.
• Solicitors write to Dexters confirming instruction to proceed.
• Dexters will liaise between buyer and seller re survey and draft contract.

Your important calls

• If mortgage offer not issued within 7 days of mortgage valuation, then you need to chase bank regularly until it is issued and call solicitors for update.

Your finance

• Mortgage valuation completed.
• MORTGAGE OFFER RECEIVED.

Your solicitor

• Draft contract received from seller’s solicitor. Your solicitor applies for SEARCH and raises enquiries.
• RECEIVES MORTGAGE OFFER
  May raise additional enquiries with sellers solicitor as a result of receiving mortgage offer.

You / your solicitor

• Additional enquiries received from buyer’s solicitor.

• Dexters will call buyer for update and liaise with seller. May ask seller to chase their solicitor.
• Dexters will call buyer for update and liaise with seller. May ask seller to chase their solicitor.

Your solicitor

• Replies to enquiries received.

You / your solicitor

• Replies to enquiries sent back to buyer’s solicitor by your solicitor.

Your important calls

• Chase solicitor to find out if search in and when it will be possible to exchange.
• Contact solicitor to discuss moving (completion) date.
  Make sure you have buildings insurance ready to go on risk once you exchange.

Your finance

• Life insurance and building insurance finalised.

Your solicitor

• RECEIVES SEARCH from council. May raise additional enquiries as a result of receiving search.
• All replies to enquiries received, mortgage offer received, contract approved.
  Asks you to complete Land Registry Guide - which confirms Stamp Duty threshold to Inland Revenue.
• Contract and report on title sent to buyer for signing.

You / your solicitor

• May need to respond to any additional enquiries that buyer’s solicitor raises.
• Approved contract.
• Contract sent to you for signing. If you are buying another property, ensure you arrange buildings insurance for the property you are purchasing.

• Dexters will call buyer for update and liaise with seller. May ask seller to chase their solicitor.

Your important calls

• Sign your contract and send it back to your solicitor with your deposit monies.

Your solicitor

• Contract received, signed by buyer with cleared funds ie bankers draft, building society cheque or electronic transfer for 5% or 10% of purchase price. Agree completion date.

You / your solicitor

• Contract received, signed by you. Your onward purchase ready. Agree completion date.

• EXCHANGE

• EXCHANGE

• Completion (Move date - normally two weeks from exchange)

• Completion (Move date - normally two weeks from exchange)