Essential FAQs answered when selling a property

Selling a home can feel overwhelming, especially if you haven’t been through the process before. From legal documents to completion day, there are many steps involved - and it’s completely normal to have questions. To help you feel informed and confident, we’ve compiled clear answers to the most frequently asked questions sellers ask.

Top FAQs About Selling Property

1. What are the costs involved in selling a house?

Typical costs include:

• Estate agent fees (often 1–3% of the sale price)
• Solicitor or conveyancer fees, which you can quickly obtain using our online quoting tool or by contacting our team
• Energy Performance Certificate (EPC)
• Capital Gains Tax, if the property isn’t your main residence

Find out more about costs involved when selling a home.

2. Can I sell a property with an outstanding mortgage?

Yes - selling with a mortgage is very common. Your solicitor will arrange for the outstanding mortgage to be repaid directly from the sale proceeds during completion, ensuring the property can be legally transferred to the buyer.

3. What documents do I need to sell a property?

Sellers typically need the following key documents:

• Proof of identity
• Title deeds
• Energy Performance Certificate (EPC)
• Property Information Form (TA6)
• Fittings & Contents Form (TA10)
• Leasehold information (if relevant)

These documents help ensure transparency, reduce delays, and protect both parties legally.

4. What is a property disclosure statement?

This forms part of the TA6 Property Information Form. It includes details about:

• The property’s physical condition
• Boundaries
• Disputes
• Planning permissions
• Guarantees
• Other material facts

Providing accurate information is a legal expectation and helps avoid future disputes.

5. What happens during the closing (completion) process?

Once contracts are exchanged:

• Both parties become legally committed
• The solicitor completes final checks
• Funds are transferred
• Estate agent fees are paid
• Any remaining proceeds are sent to the seller

Completion usually happens within two weeks following exchange but both can happen within days or even on the same day.

6. Do I need a lawyer to sell property?

Yes. A solicitor or licensed conveyancer plays a crucial role in:

• Preparing and managing legal documents
• Communicating with the buyer’s solicitor
• Handling funds safely
• Ensuring all legal obligations are met

This step is essential for protecting your interests throughout the sale.

7. What are capital gains taxes on property sales?

If the property is not your main residence, you may need to pay Capital Gains Tax (CGT) on the profit from the sale.
CGT liability depends on:

• Your income tax band
• The gain made (sale price minus allowable deductions such as legal fees or improvement costs)

Final Thoughts

Selling a property doesn’t have to be complicated - the key is understanding what to expect and preparing the right documents early. Working with an experienced conveyancing solicitor helps ensure the process runs smoothly from valuation to completion.