Key Legal Documents Explained
Understanding the important paperwork in your property transaction
The Contract
The main legal agreement between buyer and seller containing:
- Property details and price
- What’s included in the sale
- Special conditions
- Completion date
- Title details
Transfer Deed (TR1)
The document that actually transfers ownership:
- Names of buyer and seller
- Property description
- Price paid
- Any covenants or restrictions
- Must be witnessed
Property Information Forms
TA6 Form
Seller provides information about:
- Boundaries and disputes
- Alterations and planning
- Guarantees and warranties
- Services and utilities
TA10 Form
Lists fixtures and fittings:
- What’s included
- What’s excluded
- Items for sale separately
Title Documents
- Title Register: Proves ownership
- Title Plan: Shows property boundaries
- Charges Register: Shows mortgages/restrictions
Mortgage Documents
- Mortgage Offer: Lender’s formal agreement
- Mortgage Deed: Your agreement to terms
- Certificate of Title: Solicitor confirms to lender
Leasehold Documents
If buying a flat:
- The Lease
- Service charge accounts
- Management information
- Ground rent demands
- Major works notices
Completion Statement
Final financial summary showing:
- Purchase price
- Deposit paid
- Mortgage amount
- Legal fees
- Stamp duty
- Balance required