06 Oct 2014

Relieve the stress of buying a home

Relieve the stress of buying a home

Douglas Telfer, Senior Solicitor, comments on a recent poll carried out by EstatesDirect.com concluding that buying a property is the most stressful experience in modern life. 

Douglas Telfer, Senior Solicitor, comments on a recent poll carried out by EstatesDirect.com concluding that buying a property is the most stressful experience in modern life. 

Most stressful experience in modern life

Incredibly, the process ranks as more stressful than becoming a parent for the first time, the death of a grandparent or even divorce. In a further insult to my profession, the poll also revealed that the most stressful aspect is 'slow solicitors'.  So why is buying a home, allegedly, the most stressful experience we encounter? 

The conveyancing process has, believe it or not, been significantly simplified in the last quarter of a century. For example the Land Register was introduced in 1979, which resulted in the title deeds being contained in a single booklet called the Land Certificate, rather than several deeds which, in some cases, could date back to the 17th Century.

The offer itself now refers to the Combined Standard Clauses, which is a nine page document designed to simplify the missives, commonly known as the contract, for both solicitors and clients. Once an offer has been accepted, certain information must be exhibited to the purchaser’s solicitor including, most importantly, the title deeds. It is at this point that your solicitor justifies their fee.

Single most important financial transaction

Buying a home is often the single most important financial transaction a person will make in their life, it is therefore imperative that your solicitor ensures that you obtain a good title. A common complaint is that the language is in 'legalese' and confusing. 

A solicitor must scrutinise the deeds in detail and ensure that there are no onerous obligations affecting the property.  It is of course our professional duty to ensure the client is aware of any issues, so that they can make an informed decision as to whether or not to proceed with the transaction.

Solicitor/Client relationship

The solicitor/client relationship has changed over the years. Thanks to the advance of technology, there are far more demands on solicitors to keep their clients fully informed regarding all aspects of their transaction. This is a double edged sword because although the client is more involved, they are more aware of the problems that arise, this is what causes the 'stress'.  Whilst a solicitor is often confident there is a resolution to a problem, for the client it can seem like everything is going to fall through.  Problems affecting the property inevitably arise. 

Believe me, your solicitor does not want these either and we do not create problems to justify our fee.The key is that these issues are resolved, and quickly, given often impending dates of entry.  

Find a solicitor you can trust and let them take the stress away from you and allow you to concentrate on the more important matters – like decorating your new home.


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