Cash Buyer Conveyancing

Buying a property with cash has significant advantages—no mortgage delays, faster completion times, and stronger negotiating power. However, even without a lender involved, the legal process still requires careful handling to ensure a smooth, secure, and legally sound transaction.

At Capital Property Lawyers, we specialise in helping cash buyers complete their purchases quickly and efficiently, while ensuring that all legal checks are carried out properly. Unlike other firms that may leave you waiting for updates, we provide regular communication and a dedicated solicitor—so you always know exactly where your purchase stands.

The Step-by-Step Process for Cash Buyers

Step 1: Instruct Us as Your Solicitor

Once your offer is accepted, instructing a solicitor as early as possible helps avoid delays. We will begin preparing the legal work immediately.

Step 2: Conducting Property Searches & Checks

Even though there is no mortgage lender involved, it’s still essential to carry out legal checks to protect your investment. We will:

• Check the property’s legal title – Ensuring there are no ownership disputes, restrictions, or outstanding charges.
• Conduct searches – Including local authority, environmental, and water & drainage searches (or offer indemnity insurance if speed is your priority).
• Review contracts – Ensuring the contract is clear and in your best interests before you commit.

Step 3: Raising Enquiries

We will raise any necessary enquiries with the seller’s solicitor to clarify legal matters, such as:

• Rights of access or shared responsibilities
• Any planned developments nearby
• Boundaries and ownership details

Step 4: Signing Contracts & Exchanging

Once all legal checks are completed and you’re satisfied with the property’s condition, you’ll sign the contract. At exchange, the sale becomes legally binding, and a completion date is set.

Step 5: Completion – The Keys Are Yours!

On completion day, you transfer the funds, and ownership is officially transferred to you. We ensure the Land Registry is updated, and you receive confirmation of your legal ownership.

How to Speed Up Your Cash Purchase

Since cash purchases don’t require mortgage approvals, transactions can move much faster—often completing within 8-10 weeks instead of the usual 8-12 weeks. Here’s how to speed things up:

• Instruct a solicitor early – The sooner we start the legal process, the better.
• Ensure your funds are readily available – If your cash is tied up in investments, prepare it in advance.
• Opt for indemnity insurance – Some searches can take weeks, but indemnity insurance may provide protection while keeping things moving.
• Respond quickly to queries – Promptly providing ID, proof of funds, and signed documents helps avoid unnecessary delays.

Frequently Asked Questions

1. How fast can I complete as a cash buyer?

A cash purchase can often complete within 2-4 weeks, depending on how quickly legal checks are completed.

2. Do I need to carry out searches if I’m a cash buyer?

Although lenders require searches for mortgaged purchases, cash buyers are not legally required to conduct them. However, we strongly recommend them to avoid unexpected legal issues later.

3. Do I still need a solicitor if I’m buying with cash?

Yes, a solicitor is still required to review contracts, check for legal risks, and register your ownership with the Land Registry.

4. Can I negotiate a better price as a cash buyer?

Yes! Sellers often prefer cash buyers because there’s no risk of mortgage delays or chains, making your offer more attractive.

5. Do I have to pay Stamp Duty as a cash buyer?

Stamp Duty Land Tax (SDLT) applies to all property purchases over £250,000 (or £425,000 for first-time buyers). We can calculate your liability for you.

Why Choose Capital Property Lawyers for Your Cash Purchase?

• Fast & Efficient Service – We help cash buyers complete as quickly as possible.
• No Chasing for Updates – We keep you informed at every step.
• Expert Legal Protection – We ensure your purchase is legally sound before you commit.
• Fixed Fees – Transparent pricing, with no hidden surprises.
• Five-Star Rated Service – Our clients trust us for our professionalism, speed, and communication.

Start Your Cash Purchase Today

Looking to buy a property with cash? Let us handle the legal work while you enjoy a fast, hassle-free purchase.