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It is possible to do the conveyancing yourself when buying or selling a property, but it’s important to note that there are many risks that come with not hiring a professional conveyancer. It’s a complicated process and incredibly time-consuming with a range of ways it could go wrong.
Conveyancing is a rather complex process and it’s often recommended to compare quotes and hire a reliable conveyancing solicitor if you don’t completely understand the process. However, DIY (do it yourself) conveyancing is still a possibility even if it’s not recommended.
To help you decide which step is best for you, Compare My Move has created this easy-to-read guide to help you with your research and answer any vital questions you have about how to do conveyancing yourself. From the risks involved to when it’s actually possible, we’ve included everything you need to know to make an informed decision.
In short, yes it’s possible to do conveyancing yourself in some situations, however, it’s not usually recommended. If it’s a simple transaction and you are confident when it comes to understanding the legal jargon and paperwork, then it could be an option for you. However, if you’re a buyer or seller using a mortgage lender, then it’s usually impossible to complete the process without a registered solicitor.
The most feasible situation for DIY conveyancing to occur is when you’re buying or selling a property without a mortgage or outstanding mortgage. It’s also possible to do your own conveyancing through Deeds of Gift (transfers with no money) or transfers of equity without a mortgage. If you still decide to continue alone, ensure you research the process well and are familiar with the tasks at hand.
DIY conveyancing can cut your conveyancing costs slightly, but if you’re concerned about the price, then using Compare My Move’s free service to compare quotes would be a much simpler answer. There are many risks that come with doing the conveyancing yourself. If you're worried about what could happen but don’t feel like you can afford a professional conveyancing solicitor, then consider using Compare My Move to find someone within your budget. Another cheap option would be online conveyancing where you can find qualified and officially registered conveyancers at a more manageable price.
Here at Compare My Move, we encourage the use of a qualified and professional conveyancer. Even though DIY conveyancing is possible, there are many risks attached to it that can be easily removed by working with a registered conveyancing solicitor. However, if you still want to give it a try, you need to think very carefully about the job at hand and the paperwork included. To begin your research, here are a few tips and examples of the work involved that will help you decide if you want to do the conveyancing yourself:
These are only the initial steps and a few tips about doing the conveyancing yourself. It’s a complicated process and even after completion, there’s still a lot of paperwork to go through. If it’s a simple transaction involving a flat, apartment or house, then it’s more likely to be a smooth process but there are still ways that it can go wrong, costing you hundreds in more legal fees. If you insist on DIY conveyancing, it’s recommended to consult a professional for a better understanding of the process.
It’s important to note that there are a few circumstances where working through the process without finding a conveyancer is simply not recommended. There are a variety of reasons for this, from legal complications to the complexity of the work required. The more simple the circumstances, the easier it will be to successfully do your own conveyancing. The situations where you should avoid DIY conveyancing includes:
Another point to consider is that there are also situations where DIY conveyancing is not only something to avoid but completely impossible. If a mortgage is involved or required for the transaction, then you’ll be unable to do the conveyancing alone. Below we’ve provided you with the circumstances where DIY conveyancing is impossible for both sellers and buyers.
Buying the Property Through a Mortgage - If the buyer is using the benefit of a mortgage for the transaction, then the mortgage lender will insist on proper representation - this solicitor will then represent both the lender and the buyer. If you inform the lender that you will not be using a conveyancer, they will then instruct one of their own but at your expense. You would still be paying the legal fees, gaining no advantage.
Selling with an Outstanding Mortgage on the Property - If you’re selling a property with an outstanding mortgage, you may not have the necessary forms to remove the lender’s charge at Land Registry and so cannot hand over the completion. This is because the mortgage lender will not issue the discharge document until after the redemption funds have been received. This would then lead to the buyer’s conveyancer having to depend on your conveyancer to repay the mortgage and provide the discharge documents. Either your own or the buyer’s conveyancer must deal with the redemption.
A conveyancer or conveyancing solicitor will have the experience and knowledge to ensure a smooth and efficient process compared to those doing it alone. Even though DIY conveyancing could possibly save you money and give you a stronger sense of control, there are a variety of potential risks to consider before making a decision. Below is a list of just some of the risks of DIY conveyancing:
If you decide against doing the conveyancing yourself and need to find a reliable solicitor to help, then Compare My Move can save you both time and money to make the whole process easier. Simply fill out our quick and easy form and you’ll be connected with up to 4 local, accredited conveyancers within seconds.