FAQ with MJP Conveyancing

What is meant by residential conveyancing?

Residential Conveyancing is the legal process of purchasing or selling a house. Most people use solicitors to act for them on a house sale or purchase because they are not sufficiently familiar with the process. There are various aspects to consider during the transaction to ensure that client needs are guarded.

Are there any "hidden fees" included in a quote from MJP?

Not at all, we are completely upfront with our costings, if for whatever reason the client has generated an online quote and missed any information then we let them know early in the process. Our quotes are easy to understand and each costing is listed so there are no hidden fees. There are however extra fees that a client may request, these are fees that are not included in a standard transaction such as a declaration of trust this is optional where more than one client is contributing different shares and would like to safeguard these, we wouldn't be aware of these from the outset but we would offer on request.

What is your Geographical reach?

MJP is an online national award-winning Conveyancing Solicitors, although our office is based in Norwich we service clients across England & Wales. We are on the panel of several comparison sites and all major high street lenders, so access to our services is extremely accessible. The easiest way to access our services is to visit our website www.mjpconveyancing.com where the client can request a quote, send a message and read useful information about us. The client can also call us at any point if a call back is requested outside of normal working hours we aim to respond the same day.

How long does it take to complete on a transaction?

Under normal circumstances, we would be able to advise the client of a realistic time frame to complete on a transaction, however, due to the obstacles that COVID-19 presents this is ever-changing. In an ideal world, a standard transaction can take anywhere between 8-12 weeks. There are many parties involved within a transaction, the clients, the agents, the mortgage brokers, management companies, all of which work to their timescales which can throughout a transaction cause timescales to build up. Our current stance is to expect delays but also be reassured that we are making every effort to make the client journey as easy as possible.

What can a client expect when the initially instruct MJP?

As we are an online firm we take instruction from the quote that is sent in email, the client will then be taken to an online questionnaire which is designed to generate information to ensure that we understand the complexity of the transaction. Once this has been completed we will then set up the clients' 24/7 lifetime property logbook where they can see all communication relating to their case. The time between completing our initial checks is dependent on the client. We can verify a client’s ID via an app, there is no need to bring documentation to the office which saves on time from the outset.

Where can new clients read reviews of MJP's service?

We are very transparent with our service and welcome all reviews, we are currently rated 4.5/5.0 on trust pilot and 4.9/5.0 on Review solicitors which we feel is testament to our service. We are also very present on all social media platforms which we update on a regular basis.

In brief what is the online case tracking system?

Our online case tracking system allows the client to log in to their property logbook and view the current status of their transaction. This allows the client to receive prompt communication via online messaging with 24/7 lifetime access, this is unique for many reasons such as the client receiving email prompts as their journal is updated meaning this is effectively live time updates. One of the other features of the property logbook is that all legal documents, correspondence, financials, legal reports & property searches to name a few are all in one secure place for the client to access. Typically a client can expect to receive between 150-200 updates per file and even in these current times service levels are not affected negatively.

MJP Conveyancing are solicitors who provide legal advice and services to clients based in England and Wales and who can be contacted on 01603877067 or via email at david@mjpconveyancing.com

Simplifying the complications of a 'Covid 19 Contract of Sale'​

The need for conveyancers to follow the law and Government guidance following the out break of Covid 19 has never been greater, especially as we witness the Country travelling fast along the same graph line as Italy. 

So, we all should know that despite the fact is it not law, just guidance, we must do all we can to dissuade clients from moving home unless the property to be purchased or sold is vacant, and clients are reminded of health requirements. In the absence of a legal prohibition, if a client instructs a conveyancer to proceed, apart form asking the client to sign a disclaimer, the conveyancer is under a duty to act on those instructions. 

That’s the background out of which every practitioner seems to be working with a host of different and varying Covid 19 contractual clauses. In this article I wish to examine these, and to advance the the question of whether as lawyers we have fallen into that common trap of looking to overly complicate what should be a simple solution.  

Let go back to basics. The point of exchanging contracts is to introduce certainty by making sure both parties become legally obliged to complete the contract, and to impose in the event of a failure pretty significant financial sanctions.  This is essentially the heart of each and every conveyancing transaction. 

So what has changed. Yes, we face unprecedented events and are looking to operate in very difficult times. However if two parties decide, contrary to advice, to look to exchange contracts knowing full well of the risks of a delayed contract is it really necessary to add a long series of clauses to the contract to cover each and every eventuality? Furthermore, is it defeating the very essence of the contract to allow a party to look to rescind the contract if notice is served alleging a Covid 19 event has prevented that party from completing? 

The typical long form special conditions provide that the completion date can be deferred without penalty for up to 30 days if the agreed completion date becomes difficult to honour because of a Covid 19 event. Such events include a failure to arrange searches, obtain land registry documents or removal services, and/or a delay arising in securing mortgage funds and or help to buy bonus.  I can see the sense of this, though obtaining the same objective can and is capable of being achieved with less words and detail. 

So far so good. The part of the clauses I struggle with are the provisions allowing a party in certain defined circumstances to rescind the contract. I have seen clauses where one or other party in the chain is able to pull out of the legal commitment if their mortgage offer or help to buy funding is withdrawn, or if one party can no longer afford to proceed. The existence of a pandemic makes the risks of these events higher, yet surely they are the same risks that existed before the onset of this disease.  I go back to the point I make above. If the parties enter the contract knowing these risks exist before they commit themselves, surely it is unfair to allow the parties to carry into the transaction a ‘get out of jail card’. 

Surely the best option is look to ensure if possible there is a simultaneous exchange and completion. If this is not possible then perhaps look to pass down the chain a simpler clause, and one that offers the same flexibility, but without the uncertainty caused by the inclusion of clause to allow rescission. 

I have been using the following clause:

'Completion shall take place on [fix date] unless the current restrictions on movement imposed under the Coronavirus Act 2020 and the Health Protection (Coronavirus) Regulations 2020 remain in place, or are subsequently reinstated before completion takes place, in which event the completion date will change to a date fixed 35 days ( non working ) from and starting with the working day immediately following the lifting of the said restrictions unless an alternative completion date is agreed between the parties in the meantime’

This essentially allows the parties the freedom to move the completion date if the current lockdown is, as is likely, extended, or a new lockdown is ordered in the future.  

The certainty is that completion will take place ( 35 days after the date the lockdown ends) with no provision for either party to pull out without penalty.  

Clearly if one party has contracted Covid 19, the 35 days should provide more than enough flexibility to work around isolation periods. It also allows sufficient time to address the request of mortgage funds and help to buy bonuses.  The clause allows the parties to fix a completion date to their suiting once the restrictions are removed.  In the meantime the parties have the certainty of a completion and the general protection of the contract. 

We know that lenders are at Government direction looking to extend mortgage offers for three months so all being well the mortgage expiry date should not present a problem. 

In very complicated times I submit as lawyers we need to try and keep things simple and to make sure the purpose of a contract exchange is fulfilled in full.

David Pett

MJP Conveyancing are solicitors who provide legal advice and services to clients based in England and Wales and who can be contacted on 01603877067 or via email at david@mjpconveyancing.com