Buying & selling your home

Buying & Selling Your Home

If you are purchasing a property it is likely you will need a mortgage to help fund the purchase. Once you have a mortgage offer and have had an offer accepted to buy a property, your mortgage provider will want to check that there are no problems with the property or the title. They will insist on a solicitor dealing with this for them.

We are on many of the mortgage lender panels which means that as well as helping you on your purchase we will also act for your lender in putting their mortgage in place on your new home. This means that the lender does not have to instruct their own separate solicitor saving you both time and money. We can also provide a conveyancing service for a remortgage if required.

If you need to secure a loan against your home, or you co-own a home which is being used as security you will need to take independent legal advice. Our specialists will help you to understand the risks involved in this type of arrangement.

If you are an occupier of a property, but not party to the mortgage, we can provide you with the advice you will need on whether you have an interest in the property and the effect of the mortgage on any interest you might have. You may be required to sign a deed of consent or postponement so that the lenders rights are ahead of yours.

Occasionally a lender will require another person to guarantee the loan. The role of the guarantor is to stand in the place of the borrower should the borrower default on the loan. If you have agreed to act as a guarantor we will take the time to help you understand the risks involved and the options available to you.

If you are loaning someone money to purchase a house, you should have a loan agreement drawn up by a solicitor. Our property experts will explain the implications of lending the money and will draft declarations of trust if appropriate.

If your home is being repossessed because you have breached your mortgage conditions. The lender could bring possession proceedings. If this is the case Hart Brown’s expert property team can help to negotiate with your lender to find possible solutions.

To discuss your mortgage issues with a specialist property call or email us today.

Our Fees


When mortgaging your freehold or leasehold property, provided that matters proceed in the normal course, the costs that you can expect are as follows:

Our legal fees

Minimum fee: £954 including VAT at 20%

Average fee: £1,074 including VAT at 20%

Our fees are calculated based upon the price and complexity of matters that affect the property.

You can also expect to pay the following additional costs:

Estimated local search fee: £264 including VAT at 20%

Land Registry fee for copy title: £3.60 including VAT at 20%

Land Charges Registry search fee: £4.80 including VAT at 20%

Land Registry search fee: £3.60 including VAT at 20%

Landlord’s notice fee (estimated): £180 including VAT at 20%

Land registration fee*

Funds transfer fee to repay existing mortgage: £39.60 including VAT at 20%

Funds transfer fee to remit the net balance to you: £39.60 including VAT at 20%

* These are available to view on the Land Registry website which you can access by clicking here. 

What work do our fees cover? To:

  • obtain and check title to the property;
  • carry out any necessary searches and check these;
  • review replies given to enquiries in connection with the property;
  • for a leasehold property, review the lease, freehold title, and management information;
  • obtain an initial redemption figure if there is an existing mortgage;
  • consider our instructions from your lender and advise you on your mortgage offer;
  • set up completion and send the certificate of title to the lender;
  • obtain a firm redemption figure at the completion date;
  • prepare a completion statement and obtain any balance monies required;
  • carry out Land Registry and Land Charges Registry searches;
  • complete the re-mortgage and account to you for any balance monies;
  • redeem the existing mortgage and obtain evidence of discharge;
  • give any notice of charge required under your lease; and
  • register the mortgage at the Land Registry.

How long can you expect this to take?

The average time frame is between 3 and 5 weeks.

who to contact

Bethany Head

Paralegal, Residential Property

Paralegal, Residential Property

Bethany Head

Bethany is a paralegal, assisting the residential property department in Woking. She graduated in 2017, initially working in new build residential property and then moved to Hart Brown supporting the team in Woking in a wide range of residential property work.

Bethany graduated from Southampton University in 2016 and completed her Law conversion course in 2017 at the University of Law. Currently, Bethany is studying at weekends with a view to completing the Legal Practice Course to further her career.

Corinne Flannery

Chartered Legal Executive, Residential Property

Chartered Legal Executive, Residential Property

Corinne Flannery

Corinne qualified as a Fellow of CILEx in 2005 and joined Hart Brown in 2014 as a Chartered Legal Executive in our residential property team. She specialises in freehold and leasehold sales and purchases, transfers of equity and re-mortgages.

Corinne also has a BSc (Hons) degree in Management and Marketing.

Corinne often receives excellent feedback from her clients:-

‘Thank you so much for your patience and support through challenging times. We did it!’

‘Many thanks for all your help during our two house moves. You have been a pleasure to work with and have made the moves a lot easier by the help and attention you have given us. Thanks so much.’

Here are Corinne’s answers to a brief interview about her interests:-

What is your favourite meal?

Vietnamese – eaten in Vietnam!

What is your favourite travel destination?

I absolutely love travelling so this is a tough question, but if I had to make a choice, I would probably have to say my home country of Canada.

Outside Interests:

Yoga, photography and tennis.

David Knapp

Partner, Head of Residential Property

Partner, Head of Residential Property

David Knapp

David is Partner of the firm, head of residential property and a qualified solicitor.

David has worked at Hart Brown for 37 years, joining the firm in 1981. He graduated from the City of Birmingham Polytechnic in 1980, attended Guildford Law School in 1980 and qualified as a solicitor in 1984.

David's specialism in residential property and progression throughout the firm has enabled him to build many long-lasting relationships with clients he has helped over the years and continues to do so. He has a great deal of legal and life experience and enjoys interaction with those known to him as well as newly introduced people.

Debbie Beswick

Associate and Chartered Legal Executive, Residential Property

Associate and Chartered Legal Executive, Residential Property

Debbie Beswick

Debbie, who is an Associate and Chartered Legal Executive, specialises in residential property. After joining Hart Brown in 1984 she quickly progressed through the ranks qualifying as a Legal Executive in 1996. She was admitted to the Fellowship in 1997. Debbie is well known in the Godalming area and receives high praise both from clients and agents who come back to her time and time again.

Her most memorable case was the purchase of a property for clients who were looking for a quick turnaround. It was a mere 3 working days from instructions to exchange of contracts.

Debbie often receives excellent feedback from her clients, here are just a few of their statements:

"This is the second time we've used Debbie at Hart Brown, and yet again she has given us fantastic service. Shall certainly be using you again."

"It's a quick, efficient and friendly service - just right for the somewhat fraught process of buying and selling property."

"We had our smoothest sale ever thanks to Debbie Beswick."

"Second time we've used you, second time we've been impressed."

Here are Debbie’s answers to a brief interview about her interests and achievements:

What is your favourite film?

Dirty Dancing – Patrick Swayze was amazing.

What would you have done if you had not become a lawyer?

I would have loved to have been a police woman. I am told that I would have been very good at organising everyone!!

Notable achievements:

I took part in the Breast Cancer Moonwalk in May 2009 and walked the marathon distance of 26.2 miles in 8 hours.

Emma Moore

Partner, Residential Property

Partner, Residential Property

Emma Moore

Emma is a Partner in the residential property department. She has 20 years of experience in helping clients move house as smoothly as possibly.

Emma qualified as a solicitor in 1998 after studying for an LLB (Hons) Law Degree.

Her specialism within residential property involves dealing with a wide range of sales and purchase of houses and flats, ranging from first time buyers to high net worth properties.

Emma is a proactive member of the team, moving transactions forward as quickly as possible she strives to find solutions to a range of problems that arise, ensuring her clients achieve their desired goals.

What does Emma say about herself?

"I deal with sales and purchases of freehold and leasehold residential property and all other aspects of residential property work. I know how stressful moving house can be and I work to make sure things go through as efficiently as possible. I am used to dealing with very short timescales for transactions and am equally at home with dealing with all values of properties from first time buyers to high net worth estates and complex transactions."

Francesca Nash

Senior Solicitor, Residential Property

Senior Solicitor, Residential Property

Francesca Nash

Francesca has a BA (Hons) degree from Staffordshire University and undertook the Post Graduate LPC course (with Commendation). Francesca qualified in 1998 having completed her training at Fearon & Co Solicitors where she specialised in Private Client work which included residential conveyancing . She was a partner at that firm for 15 years.

Francesca specialises in residential property acquisitions and disposals.

What does Francesca say about herself?

"I am approachable, directly contactable and I fully understand my clients' needs and objectives. I always strive to meet client expectations, I do my utmost to achieve proposed timescales and above all, I try and make the conveyancing process as stress-free as possible for my clients."

Here are Francesca's answers to a brief interview about her interests & achievements:

First single purchase?

Karma Chameleon - Culture Club!

First car?

Ford Fiesta 950

Favourite saying?

''The journey of a thousand miles begins with one step'' Lao Tzu

In her spare time she does ceroc dancing and was the National Ceroc Champion in 2015.

Jackie Roberts

Conveyancer, Residential Property

Conveyancer, Residential Property

Jackie Roberts

Jackie is a licensed Conveyancer based in our Godalming office, she deals with residential conveyancing including freehold and leasehold sales and purchases, remortgages, shared ownership, transfers of equity and more.

Jackie has worked in conveyancing for approximately 15 years, having qualified as a Licensed Conveyancer some 10 years ago and she has worked at Hart Brown since August 2016.

Jackie has an abundance of experience in residential conveyancing matters, she is an approachable and friendly individual, and very efficient in helping her clients achieve their desired outcomes.

James Jugghoo

Paralegal, Residential Property

Paralegal, Residential Property

James Jugghoo

James is a paralegal, assisting the residential property department in Guildford.

He graduated in 2017 and worked in conveyancing within a national law firm for a short while before joining Hart Brown supporting the Guildford office with a wide range of residential property work.

James graduated from Portsmouth University in 2017 with a view to completing his LPC and qualifying as a solicitor. He is looking to undertake his LPC studies at the University of Law in the near future.

Jeremy Jupp

Partner, Residential Property

Partner, Residential Property

Jeremy Jupp

Jeremy has extensive knowledge in Residential Property having qualified in 1992.

He is committed to providing a proactive, friendly and positive approach, with 25 years’ experience as a residential property specialist. Jeremy strives to communicate clearly and effectively with all those involved in transactions he deals with in order to achieve the best outcome for his clients. He endeavours to find pragmatic solutions to problems wherever possible.

Jeremy believes in building up a strong relationship with his clients in order to understand their aims and needs, and work with them to achieve these so far as possible.

Memorable cases Jeremy has worked on include completing a purchase within a week from instruction where his client was given a great incentive on a new build property if he completed that quickly.

In 2014, Jeremy was involved the sale of a property where a Local Authority had acquired a strip of land along the frontage in the 1960s for potential road widening. They had granted a license over the land in exchange. The road widening never took place and the scheme had been abandoned, however, the buyers’ solicitors were not happy with the license arrangement that remained in place. Jeremy drafted a conditional contract clause which gave his client 9 months to resolve the issue with the Local Authority and to pay any premium agreed out of the exchange deposit. After lengthy negotiations with the Local Authority which involved taking Counsel’s Opinion in relation to the status of the license, an agreement was reached with the Local Authority just in time to enable him to give notice to the buyers’ solicitors to complete the sale.

First car?

Jade green Ford Cortina mark IV.

Favourite film?

Wild Hogs

What would you have done if you had not become a lawyer?

I would like to think a travel writer and photographer.

High point in your legal career?

I would like to think it is yet to come! But right now it would be returning to Hart Brown.

Nicole Lush

Solicitor, Residential Property

Solicitor, Residential Property

Nicole Lush

Nicole studied Law at the University of Reading before working as a paralegal in a busy conveyancing department whilst completing the LPC on a part-time study basis at the College of Law, Guildford. She completed her training contract with a Hampshire based firm and qualified as a solicitor in England and Wales on 17 February 2014. Nicole then worked briefly in family law before choosing to specialise in residential property.

She specialises in the sale and purchase of freehold and leasehold properties, Transfers of Equity and re-mortgages.

Here are Nicole's answers to a brief interview about her interests:

What's your favourite travel destination?

I have been lucky enough to visit a number of different countries over the years, but I recently spent some time in Lake Como, Italy and fell in love with the place. I am hoping to explore more of Italy in the years to come.

What are your outside interests?

I recently took part in the London Triathlon (super sprint) and hope to take part in the Blenheim Palace Triathlon next year. I also enjoy baking.

What would you have done if you had not become a lawyer?

I undertook some social policy work for my local citizens advice bureau prior to starting my legal career and would have probably have tried to work for a charity in some form or another.

Peter Howe

Associate, Residential Property

Associate, Residential Property

Peter Howe

Peter’s specialism is residential property.

He qualified as a Solicitor in 1991 and worked for a number of firms as a locum and then full time before joining Hart Brown in 2000. His experience as a locum he says gave him a good insight into the kind of firm that he wanted to settle down in. “It is amazing how different firms are in terms of the service they offer their clients” says Peter.

Peter receives excellent feedback from his clients: "I found all my dealing with Peter Howe very useful, he is very down to earth and explained and answered all my queries very clearly, which took away a lot of the stress. Thank you."

Here are Peter’s answers to a brief interview about his interests and achievements.

What are your interests?

Football, cricket and dare I say it poker.

Favourite travel destination?

Las Vegas – it has so much life to it.

What would you have done if you had not become a lawyer?

A psychologist.

Tim Pearce

Partner, Residential Property

Partner, Residential Property

Tim Pearce

Tim is Chair of the firm, Compliance Officer for Legal Practice and Quality Partner, dealing with residential property work.

Tim has a vast amount of experience in residential property, having been qualified for over 40 years. He is learning many aspects of his additional roles, yet he is still invested and highly competent in residential property.

Tim qualified with a BA in Business Law, Articled with Hart Brown in 1978 and became a solicitor in 1980. His specialism in residential property work, particularly in the Surrey area, has provided Tim with a highly experienced and efficient skill set to achieve successful results for many long-standing and new clients.

Tulia Ristow

Associate, Residential Property

Associate, Residential Property

Tulia Ristow

Tulia qualified as a solicitor almost 12 years ago and specialises in all aspects of Residential Property work. Tulia is also a qualified lawyer in Colombia, Latin America, and she is bilingual in English and Spanish.

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