Selling your house can be an exciting but sometimes overwhelming process, especially when it comes to the paperwork. Ensuring you have the correct documents at hand can make the selling process smoother and quicker. In this article, we’ll guide you through the key documents required when selling a property in the UK, providing essential tips along the way.
1. Energy Performance Certificate (EPC)
The first document you’ll need is an Energy Performance Certificate (EPC). This certificate assesses your property’s energy efficiency, providing a rating from A (most efficient) to G (least efficient). The certificate also offers suggestions on how to improve the property’s energy performance. By law, you are required to have an EPC before you can market your property and it must be provided to potential buyers.
An EPC is valid for ten years, so if you’ve recently purchased your home, check to see if your current certificate is still valid. If not, you can arrange for an assessor to issue a new one.
2. Proof of Identity
You’ll need to provide proof of identity to verify that you are indeed the legal owner of the property. This usually involves submitting a valid form of photo identification, such as a passport or a driving licence, as well as a recent utility bill or bank statement that confirms your address. Your estate agent and solicitor will request these documents as part of anti-money laundering checks.
3. Title Deeds
The title deeds of your property are crucial when selling. These documents prove your legal ownership of the property. If you have a mortgage, your lender likely holds the deeds, but your solicitor can easily obtain them on your behalf. If your property is registered with HM Land Registry, the title deeds will be available in digital form. However, if it’s not registered, you’ll need to provide the original paper deeds, which are typically stored with your solicitor or bank.
4. Property Information Form (TA6)
The Property Information Form, known as the TA6, is an essential document that provides potential buyers with important details about the property. This form covers everything from boundaries and disputes to alterations, utilities and planning permissions. It also asks questions regarding parking arrangements, property access and any services provided to the property, such as water or drainage.
Completing the TA6 form accurately is critical, as buyers will rely on this information to make decisions. Any discrepancies found later can cause legal issues, so it’s important to be thorough.
5. Fittings and Contents Form (TA10)
Another key document is the Fittings and Contents Form (TA10), which clarifies which fixtures and fittings are included in the sale. This form details whether items such as curtains, carpets, white goods or light fixtures will remain in the property or be removed when you move out. It’s important to fill out this form carefully, as any misunderstandings about what is or isn’t included in the sale can lead to disputes later on.
6. Leasehold or Freehold Documentation
If you are selling a leasehold property, you will need to provide the leasehold agreement. This document outlines the terms of the lease, including the remaining length of the lease, ground rent and service charges. You’ll also need to provide a copy of the building insurance policy and details of the managing agent or freeholder.
For freehold properties, this section will be simpler, but if you’ve made any changes to the land, such as boundary alterations, those documents will need to be presented to show that the changes were legally approved.
7. Mortgage Details
If you currently have a mortgage on the property, you will need to provide your solicitor with details of your mortgage account. This will allow them to calculate how much is left to pay and ensure that the outstanding amount is settled when the property is sold. You’ll also need to obtain a mortgage redemption statement from your lender, which shows the precise amount required to pay off the loan.
8. Guarantees and Warranties
If you’ve had any significant work done on your property, such as an extension, damp proofing or double glazing installation, you should provide the relevant guarantees and warranties. These documents offer buyers reassurance that the work has been completed to a high standard and that they will be covered for any defects or issues that arise.
Building regulations certificates or planning permissions should also be included if the work carried out required approval from the local authority. Missing certificates or incomplete paperwork can cause delays, so it’s important to gather these in advance.
9. Electrical and Gas Safety Certificates
While these are not legally required for all sales, it’s a good idea to provide up-to-date gas and electrical safety certificates if applicable. These certificates show that the gas appliances and electrical systems in the property have been safely installed and maintained. Providing these documents can add value to your property and offer peace of mind to potential buyers.
10. Management Information Pack (for leasehold properties)
For those selling a leasehold property, the buyer’s solicitor will request a management information pack. This pack includes key details about the running of the building, such as service charges, ground rent and any planned maintenance. You will need to request this from the managing agent or freeholder, and there is usually a fee involved.
Be Prepared
Being organised and ensuring you have all the necessary documents ready will save you time and avoid unnecessary delays. When working with a professional estate agent like Nicholas Humphreys, our team will guide you through the entire process, ensuring you have everything for a smooth sale. Don’t hesitate to contact us for expert advice and support as you embark on the journey of selling your property.
