Personal Client Services
Residential Conveyancing and Property Experts
RJS provides clear, reliable residential conveyancing and property advice, helping clients buy, sell and manage their homes with confidence and efficiency.
Residential Property
At RJS Solicitors, we provide straightforward, dependable legal support across all aspects of residential property. Whether you are buying, selling, remortgaging, transferring ownership, or exploring specialist transactions such as auctions or Right to Buy, our team offers practical guidance tailored to your circumstances.
With extensive experience in conveyancing and related property matters, we focus on protecting your interests while ensuring transactions progress efficiently and with minimal stress. From initial instruction through to completion and registration, we are committed to delivering a clear, supportive service at every stage.
Buying and Selling a Property
Buying or selling a property can be stressful due to the number of parties involved and the practical arrangements that must be managed alongside the transaction. RJS provides a reliable and efficient service, undertaking the necessary checks and searches, handling legal formalities, and ensuring ownership is properly registered.
Searches
Obtaining, reviewing, and advising on searches affecting the property.
Legal Advice & Documents
Advising on legal issues and preparing documents to transfer ownership.
Mortgage Matters
Acting for lenders and advising on mortgage documentation.
Registration & Tax
Handling SDLT returns and Land Registry registration formalities.
Guidance Through Buying and Selling
Buying or selling a property can be a demanding and often stressful process, particularly where multiple parties are involved in a property chain and where funding arrangements, removals, and practical considerations must be coordinated. RJS provides a reliable and efficient service designed to ease this process, supporting clients at each stage of their transaction and ensuring the necessary checks and searches are carried out. When purchasing, we help ensure you have as much information as possible about the property, including its history, value, condition, and any matters that may affect ownership or future use.
Whether a purchase is funded by a mortgage or undertaken independently, we undertake the required legal work to establish good and marketable title and manage the formalities of registering ownership at HM Land Registry. For those selling property, whether to move home or release capital, we handle the legal requirements involved in transferring ownership. Throughout, our focus is on delivering an efficient, dependable service that guides clients through what can be a complex process.
Buy to Let
RJS assists clients purchasing property intended for rental income, whether funded by mortgage or otherwise. We carry out the checks typically recommended for property purchases and provide advice on tenancy arrangements, while helping clients understand potential risks and practical considerations associated with buy to let ownership. Through established relationships with local property professionals, we can also support clients in identifying suitable letting agents where required.
Legal Documentation
Preparing and advising on documents required to transfer ownership.
Searches
Obtaining, reviewing, and advising on all necessary searches.
Purchase Advice
Advising on legal and practical issues relating to the purchase.
Tenancy Matters
Advising on Assured Shorthold Tenancy Agreements.
Buy to Let Property Support
RJS assists clients who are purchasing property for rental purposes, commonly referred to as Buy to Let transactions, whether the purchase is made with or without mortgage finance. We carry out the checks recommended for any property purchase and provide advice on Assured Shorthold Tenancy Agreements. Our team can highlight potential issues that may arise with buy to let ownership and, through established connections with local property professionals, can assist clients in identifying a suitable letting agent where required.
Buying and Selling at Auction
Buying or selling property at auction involves different processes and shorter timescales than a standard transaction, with a binding contract formed when a bid is accepted. RJS can review legal documentation in advance, advise on potential issues, assist with completing purchases within required deadlines, and prepare legal packs for properties being sold at auction.
Pre-Auction Review
Obtaining and reviewing the auction legal pack and reporting on issues.
Purchase Completion
Handling legal formalities following a successful bid.
Seller Legal Packs
Preparing documentation for properties sold at auction.
Transaction Coordination
Liaising with solicitors and auctioneers to meet deadlines.
Remortgaging
Homeowners may choose to remortgage to secure improved interest rates, reduce repayments, or release equity from their property. When switching lenders, a solicitor is required to act on your behalf and for both outgoing and incoming lenders. RJS handles the legal process by ensuring the existing mortgage is redeemed, the new mortgage is registered and secured against the property, and all necessary checks and documentation are completed efficiently.
Identity Checks
Verifying ID to meet regulatory and anti-money laundering requirements.
Mortgage Assessment
Gathering details of existing and new mortgages and reviewing terms.
Legal Documentation
Reviewing offers, raising enquiries, and preparing mortgage deeds.
Completion & Registration
Redeeming the old mortgage and updating Land Registry records.
Key Stages of the Remortgaging Process
The remortgaging process involves several structured steps, including verifying identity, taking instructions, gathering details of existing and proposed mortgage arrangements, and carrying out searches where required. Your lender will arrange a valuation and provide a mortgage offer, which we review before preparing documentation for signature. Once funds are received from the new lender, the existing mortgage is redeemed and the change is registered with the Land Registry. Depending on the circumstances, the process typically takes around four weeks.
Right to Buy
If you have lived in a property owned by a local authority or housing association for a number of years, you may be eligible to purchase it at a reduced price through the Right to Buy scheme. While the transaction follows a similar process to a standard purchase, additional requirements apply, including liaising directly with the local authority or housing association. RJS assists clients by reviewing documentation, advising on legal and practical considerations, and managing the necessary steps to complete the purchase and register ownership.
Document Review
Checking and approving documentation from the local authority or housing association.
Searches
Obtaining, reviewing, and advising on necessary searches.
Mortgage Advice
Acting for lenders and advising on mortgage documentation.
Registration & Tax
Handling SDLT submissions and Land Registry registration.
How We Support Right to Buy Purchases
Although a Right to Buy transaction follows a similar structure to a standard purchase, additional coordination is required with the relevant local authority or housing association, each of which has its own procedures and requirements. RJS supports clients by reviewing and approving documentation, advising on practical and legal considerations, acting for mortgage lenders where applicable, and managing registration and tax formalities to ensure the transaction progresses correctly.
First Registration
Property ownership was historically recorded through paper title deeds, but most ownership records are now held electronically by HM Land Registry. If a property has been owned for many years, it may not yet be registered, and completing first registration provides proof of ownership and protects your interest in the land should original deeds be lost or destroyed. RJS assists clients with this process, which can involve reviewing historic documentation, preparing applications, and submitting the required forms and supporting materials to the Land Registry.
Register Checks
Confirming whether the property is already registered.
Documentation Preparation
Completing application forms and supporting schedules.
Land Plans & Evidence
Preparing plans and compiling historic ownership documents.
Submission & Follow-Up
Submitting applications and managing Land Registry progress.
Understanding the First Registration Process
First registration can involve assembling historic ownership records, completing application documentation, and submitting supporting forms and plans to the Land Registry. The process may include searches against previous owners and calculating the correct registration fee, with timescales varying depending on complexity. RJS assists in preparing and coordinating these steps to help ensure the application is handled correctly from submission through to completion.
Property Transfers
Ownership of property may need to be transferred for a variety of reasons, including marriage or cohabitation, separation or divorce, or where a property is gifted. While many transfers are straightforward, factors such as mortgage arrangements, valuation, Stamp Duty Land Tax considerations, and registration requirements may affect the process. RJS assists clients by preparing the necessary documentation, advising on relevant implications, and managing the formal registration of ownership changes with the Land Registry.
Transfer Documentation
Preparing legal documents to transfer ownership.
Equity Agreements
Drafting Declarations of Trust where equity is divided.
Tax Considerations
Advising on potential SDLT implications.
Registration
Registering ownership changes at the Land Registry.
Supporting Property Ownership Changes
Transferring ownership can require careful consideration of factors such as property valuation, mortgage involvement, and legal obligations linked to the transfer. RJS provides guidance on the practical and legal aspects involved, including preparing declarations that reflect ownership arrangements and ensuring all necessary requirements are met so that the transfer can be completed and properly recorded.