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Charge on the property – This is the registered interest of a lender secured on a property for the amount of money owed (e.g. a mortgage).

Completion Date – This is the date when the ownership and possession of the property passes from the seller to the buyer. This date will be fixed on exchange of contracts.

Contract - This is a legally binding agreement between the Buyer and the Seller which sets out the terms of what has been agreed.

Conveyancing - This is the transfer of the legal title to land and property from one person's name to another.

Deposit - Deposit is the sum of money paid by the Buyer to the Seller on exchange of contracts. The usual deposit is 10% of the purchase price and the seller can insist on a 10% deposit. But reduced deposits are normally agreed according to the circumstances. However, if the buyer has paid a reduced deposit and if the purchase is not completed for any reason other than the fault of the seller, the buyer should pay to the seller the reminder of the 10% deposit.

Disbursements – These are expenses paid on your behalf by the Solicitor. This does not include the Solicitors legal costs. This includes costs for searches, stamp duty, land registration, telegraphic transfer, any third party costs incurred etc.

Exchange of contracts - This is the moment when the contracts signed by the seller and buyer are exchanged between both parties Solicitors and the deposit money paid to the sellers Solicitors. From that moment onwards the seller must sell and the buyer must buy and both parties will be legally bound by the terms in contract. The completion date agreed will be mentioned in the contract.

Fixtures, Fittings & Contents Form - This is a list of the items at the property which will be removed by the Seller or which remains. It will provide a clear picture of what items are included in the sale price. This document will be provided to the buyers Solicitor at an early stage and which will ensure that there are no disputes as to what is to be left in the property on the day of completion.

Land Registry – This is a government department which maintains records of land and its ownership. The transfer of ownership of land or property and charge on property should be registered at the Land Registry. A fee based on the value of property should be paid to the Land Registry.

Local Authority Search - This is a list of questions regarding the property sent to the relevant Local Authority. The result of the search will give a clear idea as to whether the road serving the property is adopted and maintained by the council, what planning and building regulation consents exist, whether there are any planning applications, orders or regulations which affect the property. This search may reveal any matter that may affect the future value of the property.

Property Information Form - This is a questionnaire completed by the Seller of the property. This document will give information as to whether there was any disputes with neighbours, guarantees or warranties on the property, any alterations to the property and if so whether it was done with necessary consents.

Stamp Duty - This is an amount of money which is a tax paid to the government when there is a transfer of property. This is calculated as a percentage of the value of the property you intend to buy.

Searches – The searches are done to find out the history and hidden facts about the property. There are different searches in a conveyancing transaction. The major residential searches are Land Registry, Bankruptcy, Local Authority, Environmental, Water & Drainage, Coal Mining, Chancel Repair etc.

Survey – It is the Surveyor’s report on the physical state of the property. The buyer should be aware that the property is ‘sold as seen’ and buyer should make his own inspection or survey to find out any physical defects. The lenders mortgage ‘valuation report’ is not a Survey.

Title Deeds - These are the documents which evidence that the person selling the property actually owns it and it also sets out any rights or obligations that affect the property.

Transfer Deed - This is the document which transfers the ownership of the property from the seller to the buyer. This deed will be sent to the Land Registry for registering the change in ownership.