Buy to Let

What is buy-to-let conveyancing? A buy to let mortgage is a way to borrow money when you are buying property as an investment (e.g. to rent out).

Why chose HSR Law to help you with your buy-to-let transaction?

We are CQS Accredited

The Conveyancing Quality Scheme (CQS) accreditation demonstrates that HSR Law Solicitors can provide residential conveyancing advice of the level expected by clients, lenders and the wider residential conveyancing community. Being CQS accredited means we have the expertise to deliver quality residential conveyancing advice and use standardised processes to manage and reduce risks.

What does this mean for you? 

  1. You can trust that your transaction is in safe hands.
  2. We’re open and upfront about our fees. They are agreed with you at the outset and any additional costs are stated in client care material. 
  3. HSR Law are members of hundreds of lender panels in the UK. This means you can choose the best mortgage deal without having to worry about whether the lender will work with HSR Law. 

The buy to let conveyancing process has several important legal stages which must be followed, and they are detailed below:

  1. Your offer is accepted, and you instruct a conveyancing solicitor.
  2. Your conveyancer contacts the seller’s solicitor to get the contract pack and confirm instructions.
  3. HSR Law will check the contracts, raise enquiries and carry out necessary searches.
  4. HSR Law will make sure that there are no restrictions on renting out the property. We will be able to advise you on wider issues, for example, environmental and planning law. For any tax implications, you will need to get independent legal advice.
  5. If you are buying with a mortgage HSR Law will report to you on your mortgage offer. You will need a buy-to-let mortgage rather than a residential mortgage.
  6. Once all due diligence is complete, a completion date is agreed and both parties’ solicitors exchange contracts. This means that you are now legally bound to the contract 
  7. On completion day we will send the purchase amount to the seller’s solicitor (won’t likely be vacant)
  8. HSR LAW submit a return and pay any stamp duty due to HMRC. With a buy-to-let property you may have to pay the additional stamp duty rate, but we will have agreed this on the completion statement. 
  9. Finally, we register the property in your name with the Land Registry and once returned, notify you and your Lender (if you have a mortgage).  If you are purchasing as a Company, we also submit the necessary return at Companies House for you.

HSR Law can also help you with any further legal documents that you might require when renting out your property such as a Tenancy Agreement, but this will attract further legal fees.

Your Buy to Let Team

Property FAQs

What does exchange of contracts mean?

Exchange means that your contract to purchase is now legally binding. If you withdraw from the sale, you will lose the deposit you paid. On exchange you also set the date for completion.

As soon as I get my mortgage, am I ready to complete?

No, your Lenders grant the mortgage but they ask us to confirm that the valuation has no errors and that there are no issues with the property that they should be informed of. It is our job to ensure that both you and your Lender are happy to proceed.

Who can witness my documents?

Someone over 18 has to witness your documents and no one that is related to you

I am a first time buyer, when can I use my Help to Buy ISA and do you charge?

The ISA can only be used as part of completion funds to pay the balance of the property. It cannot be used as the deposit. Your buyer’s solicitor may agree to accept a lower deposit on exchange. Your solicitors can charge £50 plus VAT for applying for this for you.

Do I need searches?

If you are a cash buyer this is your choice, but HSR Law would always advise that you do obtain searches . If you are purchasing with the aid of a mortgage, this is mandatory. The main searches are as follows:

Local Authority
A local authority search will provide you with detailed information about your property and the surrounding areas including planning entries and road adoptions. This will give you peace of mind before going ahead with the purchase of your new home and ensure you avoid any surprises in the future
Water and Drainage 
A water and drainage search will confirm the proximity of the property to public sewers, whether the property has a sewer running within the boundaries of the property and if the property is connected to mains services. 
Environmental search
An environmental search would confirm whether the previous land use of the property creates a potential environmental risk. This search will highlight issues which would include:
Contaminated land such as historic landfills and waste sites
The risk of flooding from nearby rivers or seas
Mining search
A mining search is required if the property is situated in an area of previous or current mining history and is at risk of being built on unstable ground.

What’s the difference between joint tenants and tenants in common?

If you hold the property as joint tenants, both of you will own the whole of the property. You will not each have a quantified share in the property and will not be able to leave a share of the property in your will.  If you sell the property, or if you separate, it will be presumed that you both own the property equally.

If you hold the property as tenants in common, each of you will own a specified share in the property. For example, one owner could own 70% of the property while the other holds 30%. The percentage shares are commonly used to reflect the amount of money contributed.

What’s the difference between Leasehold and Freehold?

If you buy a property freehold, it means you completely own the property and the land it sits on
When you buy a property that is leasehold, you own it for a set length of time, which is the term of the lease.

Click here to read our Freehold vs Leasehold factsheet.


Brilliant company to deal with. Staff really friendly, and very knowledgeable. All went brilliantly well from start to finish. Keep up the good work all at HSR Law.

— Buy to Let Client

Professionalism, experience and quick communications. Highly recommended.

— Buy to Let Client

Very quick and understandable service. Kept me in touch with all that was going on, will use again.

— Buy to Let Client
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