How long does conveyancing take? The process step by step

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Quick answer

  • Buying a home usually takes 12 to 16 weeks from offer accepted to completion.
  • The main stages: checks, searches, enquiries, exchange, completion.
  • At exchange, the deal becomes legally binding.
  • Stamp Duty must be paid within 14 days of completion.

This guide covers buying a home in England and Wales.

What is conveyancing?

Conveyancing is the legal work of transferring ownership of a property from the seller to you.

The conveyancing process step by step

  1. Instruct your lawyer. Provide ID and proof of where your money comes from.
  2. Contract pack. The seller’s lawyer sends the draft contract, title and property forms.
  3. Searches. Local authority, water and drainage, and environmental searches.
  4. Enquiries. Your lawyer asks the seller’s lawyer about anything unclear.
  5. Mortgage offer. Your lender confirms the loan.
  6. Sign and pay deposit. You sign the contract and transfer your deposit.
  7. Exchange of contracts. The deal is now legally binding and the completion date is fixed.
  8. Completion. The money is sent and you get the keys.
  9. After completion. Stamp Duty is paid and you are registered at HM Land Registry.

After exchange

If you pull out after exchange, you could lose your deposit. Arrange buildings insurance from exchange.

Why is my conveyancing taking so long?

Common causes of delay:

  • long property chains
  • slow searches from the local council
  • leasehold information from managing agents
  • missing documents or slow replies to enquiries

Tip

Have your ID, bank statements and proof of deposit ready before you make an offer.

FAQs

What is the difference between exchange and completion?

Exchange makes the deal binding. Completion is when the money moves and you get the keys.

Do I need a survey?

A lender’s valuation is not a survey. A survey tells you about the condition of the property, and is strongly recommended.

Do first-time buyers pay Stamp Duty?

There is relief for first-time buyers up to certain limits. Rates change, so check the current rules when you buy.

Buying a home?

We keep you updated at every stage. See our conveyancing services or contact us for a quote.

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This article is general information about the law at the date of publication. It is not legal advice and should not be relied on for your situation. The law and Home Office or court procedures may change. Please contact us for advice on your circumstances.

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