Conveyancing is the legal work involved in buying, selling or remortgaging a property. We arrange your conveyancing alongside your mortgage, so the legal work and the lending move together and problems are spotted early.
| Stage | What happens | Typical time |
|---|---|---|
| Instruction | ID and anti money laundering checks, contract pack requested | About 1 to 2 weeks |
| Searches | Local authority, drainage and environmental searches | Searches Local authority, drainage and environmental searches Local searches should take about 10 days[1] |
| Mortgage offer | Valuation and underwriting by your lender | About 4 weeks[1] |
| Contract and enquiries | Draft contract reviewed, questions raised with the seller | 2 to 10 weeks[1] |
| Exchange to completion | Contracts become binding, funds transferred, keys released | 1 to 2 weeks[1] |
| Purchase price band | Standard rate | First time buyer ratetime |
|---|---|---|
| Up to £125,000 | 0% | 0% up to £300,000 |
| £125,001 to £250,000 | 2% | (included above) |
| £250,001 to £925,000 | 5% | 5% from £300,001 to £500,000; no relief above £500,000 |
| £925,001 to £1.5 million | 10% | Standard rates apply |
| Standard rates apply | 12% | Standard rates apply |
[1] HomeOwners Alliance, “How long does conveyancing take?” (2026): hoa.org.uk/advice/guides-for-homeowners/i-am-buying/how-long-does-conveyancing-take
[2] GOV.UK, Stamp Duty Land Tax: residential property rates: gov.uk/stamp-duty-land-tax/residential-property-rates
