Residential Purchasing

Helping you take the next step on the property ladder.

Whether you’re a first-time buyer, trading up or down-sizing, buying a new home is an exciting time and represents a major financial commitment.

There are several critical steps when purchasing a home. Knowing what you can afford is a great place to start and our IFA will help you understand all the costs associated with your purchase and help you choose the best mortgage product for your particular circumstances. Next, it’s on to the exciting bit – the search. We’d recommend viewing as many properties as you can, speaking to people already living in the area and looking at the practicalities like distance to work and availability of local amenities.

Once you’ve found your dream home our highly experienced legal team will guide you carefully through the conveyancing process.  We’ll make sense of the information contained in the Home Report and any surveys carried out on the property, note your interest and submit an offer on your behalf.  And once your offer is accepted by the seller, we then work hard to conclude the missives as quickly as possible and transfer the funds when required. Our involvement doesn’t stop there.  Our IFA will work with you to ensure the appropriate insurances are in place and we can advise on how best to tackle the stresses, strains and excitement of moving day.

Get in touch

To discuss your home purchase, call our conveyancing experts on 0141 227 2200 or to arrange an appointment please use the contact form below.

Frequently Asked Questions

We put your needs at the heart of everything we do

There is a Home Report for the property which is out of date and a refresh is required. What does this mean?

The Home Report for the property incorporates a valuation.   If the Home Report was conducted more than three months before the submission of the offer, it is standard practice for the lender/mortgage holder to request that this is refreshed.  This simply means an update of the existing report in order to ensure that the property is still substantially in the same condition as when the original Home Report was carried out and also that the valuation of the property remains unchanged.

What exactly are missives and are they required to be signed?

Missives consist of a series of formal letters which, once concluded/finalised, means that there is a binding contract in place for the purchase of a property.  It is a common misconception that these are required to be signed.  Missives are completed by your solicitor on your behalf following upon your instructions.

There is an exception to this, however, where a newbuild property is being purchased.  In this instance, it is common practice for the builders or their solicitors to prepare a standard set of missives and to request that these are signed by the purchasers.

How long does it take for missives to be concluded?

The time taken to conclude missives varies according to the circumstances of each individual transaction.  Missives are generally not concluded until the mortgage offer has been received by us and, if sale dependent, until such times as missives have been concluded for the sale of the existing property.

Can I go back out and see the property so I can take measurements?

Access to the property is permitted for measuring up purposes but this will only be permitted once the missives have been concluded.

I’ve received my mortgage offer. Do I need to hand this in to my solicitor?

We will receive a copy of the mortgage offer, which is also sent to you, together with the solicitors’ legal instructions.  You therefore do not require to hand this in to your solicitor.

When is my payment due to cover my transaction?

You will receive a Statement of Account approximately one week to ten days before the completion date which will detail all fees and costs.  You will be asked to pay the balance of the purchase price, all fees and outlays by bank transfer at the very latest three days before your completion date.

What is the Standard Security?

This is the mortgage deed which must be signed before your completion date and is generally signed by you in the solicitor’s office.

What time will I get my keys and where do I collect them?

A precise time for the release of keys cannot be provided as there are certain legal checks which have to be carried out by your solicitor immediately before completion.

When do I get my title deeds?

The registration process of a title to the property is now electronic.  Once this has been completed, a copy of the updated title will be forwarded to you by e-mail.

 

Need further advice?

If you have a question that isn’t covered in our FAQ’s or need further advice, please use the contact form below to send your request. A member of the team will be in touch with you shortly to respond to your query.

High Performance

Watch The Video

The Law Society of Scotland has produced an informative video which clearly and simply illustrates the step-by-step process of buying a house in Scotland.

Trusted legal advice for over 30 years

Find out what our clients think about us

Clark Boyle & Co were extremely professional from start to finish. We were on quite a tight schedule to complete our home purchase however Bev who we dealt with did everything she could to enable everything to go through on time. A+++ service. Thank you for everything.

My sister-in-law purchased a flat in Glasgow about a year ago. She used Clark Boyle for the conveyancing and was happy with the service provided. So, when we decided in November to buy a flat in Glasgow we thought we'd go with them too. It was a good decision; they were friendly, fast and efficient. We were especially impressed with our lawyer, a partner in the firm, who's local knowledge and keen negotiating skills impressed and indeed saved us a substantial sum of money and the deal was completed before Christmas - thanks Graham. We're happy to recommend Clark Boyle and we'd use them again in the future.

Anne Green, of Clark Boyle, made my house purchase effortless. I would use this firm again.

Thanks so much Irene, you have been fantastic all the way through, thanks for going above and beyond 🙂

Dear Elaine, Thank you so much for having dealt with the sale in such a professional manner.

Hi Teresa, I just wanted to say thanks so much for all of your assistance (and moral support!!) over the last few months, it’s been a long process but you definitely made less stressful. Your assistance is very much appreciated by us both.

Hi Irene, Thanks very much. A big thanks as well for all the help you have provided. I honestly wish you were involved in all the other buying/selling transactions we’ve been involved in over the last 6 months to get to this stage. You have simply been absolutely amazing to deal with. You have explained the process at all stages and answered all questions quickly and efficiently. You have provided all the guidance and help we have needed while keeping a professional but extremely friendly (and welcomed!!!) attitude. Again, a massive thanks from Gillian and I for all you have done. I wish you all the best in your future.

Dear Susan, Please accept my thanks for your professionalism and perseverance in finally and successfully concluding the sale of my mothers' property today. This despite the intransigence, unreasonable demands and apparent inability of the purchasing client solicitor to properly communicate or engage with you throughout the whole selling process.

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