Conveyancing Jargon Buster

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Here are some of the terms used in the Conveyancing process

  • Completion Date

    The date that the contract states ownership of a property passes from the seller to the buyer. This is the day when the seller is obliged to move out of the property and the buyer moves in.

  • Contract

    A written and signed agreement made between the buyer and seller. It will give full details of the property and all of the other terms and conditions of the sale that have been agreed.

  • Disbursement

    Fees that must be paid to third parties such as Local Authorities (for searches) and Land Registry.

  • Energy Performance Certificate (EPC)

    A certificate that rates your home from A to G on how efficiently it uses energy. These must come from an accredited Energy Assessor who visits the property to collect the relevant data and provide the certificate. This data includes the date, construction and location of the house, and relevant fittings such as heating systems, insulation or double-glazing.

  • Exchange of Contracts

    The point at which contracts become legally binding and a completion date is formally agreed.

  • Freehold

    A type of land ownership which, in effect, runs forever.

  • Leasehold Property

    A type of land ownership for a fixed term of years.

  • Mortgage Offer

    The formal document making an offer of a loan under a mortgage which will say how much the loan is for, the period and the amount of repayment and all of the terms and conditions attached to the loan.


  • Searches

    The buyer’s Conveyancer will carry out searches as part of the Conveyancing process. They are done to check that there are no problems with the property. The usual searches that will carried out are  a Local Authority search, Drainage and Water search and the Environmental/Contaminated land search. There are other more specific searches that may also be carried out depending on the requirement of a mortgage lender and which part of the country the property is in.

    Examples of these are:

    • Chancel Repair Liability search
    • Coal Mining search
    • Cheshire Brine search 
    • Tin Mining search
  • Stamp Duty Land Tax

    A tax payable to the Government on the completion of the purchase of a property or land. The amount of duty depends on its purchase price, although there are some areas in England and Wales where no Stamp Duty Land Tax is payable at all.

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Conveyancing Partner

Co-op Legal Services work closely with our conveyancing partners, to ensure they provide you with a high quality, fast and competitive priced service. Once you agree, you will become their client and they will undertake your conveyancing work.

We monitor the service our conveyancing partners provide to ensure it provides you with the service you would expect to receive. Our partners are fully regulated and authorised by the Council for Licensed Conveyancers and or the Solicitors Regulation Authority. For introducing you, our conveyancing partners will pay CLS a referral fee. The amount of the referral fee may vary depending on the conveyancing partner. This is not added to your charges and you will not have to pay anything extra. It is paid directly by them to cover our marketing and administration costs.