When it comes to buying or selling a home, conveyancing — the legal process of transferring property ownership — is a key part of the journey. It’s typically handled by a solicitor or licensed conveyancer, but some brave buyers and sellers consider taking the DIY approach to save money.
But is doing your own conveyancing a smart move or a false economy? While it’s perfectly legal to handle the process yourself in England and Wales (if you’re not dealing with a mortgage lender who requires a professional), it’s not without complications.
This guide explores the pros, cons, and risks of DIY conveyancing, who it might suit, and when it’s best to call in the professionals. We’ll also touch on how working with trusted estate agents in Plymouth or your local area can help keep things on track — whether you decide to go solo with your legal paperwork.
What Is Conveyancing?
Conveyancing is the legal transfer of ownership of a property from one party to another. The process involves:
- Conducting property searches (e.g., local authority, environmental, drainage)
- Drafting or reviewing contracts
- Managing the exchange and completion process
- Handling funds and ensuring payment of Stamp Duty Land Tax (SDLT)
- Registering the property with HM Land Registry
It’s a detailed, paperwork-heavy process, and mistakes can be costly.
Is It Legal to Do Your Own Conveyancing?
Yes — if you’re buying or selling a property in England or Wales, and there is no mortgage lender involved, you are legally allowed to handle your own conveyancing.
However, mortgage lenders will almost always require the use of a qualified solicitor or conveyancer to protect their interest in the property. This means DIY conveyancing is mostly limited to cash buyers or sales of property with no outstanding mortgage.
The Pros of Doing Your Own Conveyancing
- Cost Savings
Hiring a solicitor or conveyancer typically costs between £500–£1,500, depending on the property value and complexity. Doing it yourself can eliminate this fee — a tempting incentive for budget-conscious buyers and sellers.
- Greater Control
When you do your own conveyancing, you’re in charge. This means:
- You can progress matters as quickly as you like.
- You’re not reliant on someone else’s schedule.
- You have direct access to all documents and decisions.
- Learning Opportunity
For those who enjoy learning about legal processes, doing your own conveyancing can be educational. It gives your insight into the mechanics of property transactions and may even benefit you in future deals.
The Cons and Risks of DIY Conveyancing
- It’s Time-Consuming
Conveyancing involves:
- Coordinating with multiple parties (buyers, sellers, agents, local authorities)
- Reviewing legal documents
- Responding to enquiries
Even simple transactions can become time-consuming. If you’re working full-time or managing a busy household, finding the time can be challenging.
- Room for Error
Mistakes in the conveyancing process can be extremely costly. These include:
- Failing to uncover restrictions or rights of way
- Incorrectly registering the property
- Missing deadlines, such as Stamp Duty payments
A qualified solicitor carries professional indemnity insurance to cover such issues. If you make a mistake yourself, you’re personally liable.
- Lack of Legal Knowledge
Most property transactions are not straightforward. Common complications include:
- Leasehold issues
- Boundary disputes
- Unregistered land
- Planning permissions and enforcement notices
Without legal training, it’s difficult to navigate these problems confidently. Even if everything appears simple, there could be hidden complexities.
This is where working alongside experienced estate agents in Plymouth can help. They often spot red flags during the sales process and can flag issues early — even if you’re handling the legal paperwork yourself.
- Difficulty Dealing with the Other Side’s Solicitor
Professional solicitors and conveyancers may be hesitant to deal with someone who is not legally trained. This could:
- Slow down the process
- Lead to communication breakdowns
- Increase the likelihood of disputes
In some cases, they may insist on additional checks or conditions, creating delays and tension.
When Might DIY Conveyancing Work?
DIY conveyancing may be feasible if:
- You are buying or selling a freehold property
- You are a cash buyer or have no mortgage on the property
- The transaction is straightforward, with no chain, disputes, or legal complications
- You have the time and attention to detail to follow through correctly
Even in these cases, it’s essential to understand the full legal process. Many guides and resources are available online, but make sure they’re up-to-date and relevant to your region.
When Should You Avoid It?
Avoid DIY conveyancing if:
- A mortgage lender is involved (most won’t allow it)
- You’re dealing with a leasehold property
- The property is part of a chain
- There are title issues, disputes, or legal complications
- You lack the time, patience, or legal confidence to manage the process
In these situations, hiring a qualified solicitor or conveyancer is the safest choice — and in many cases, a requirement.
How Estate Agents Can Help — Even with DIY Conveyancing
While estate agents aren’t legal professionals, they play a critical role in coordinating communication between parties and ensuring momentum in the sale.
Experienced estate agents in Plymouth, for example, are familiar with common conveyancing pitfalls and can:
- Guide you on realistic timelines
- Help chase documentation
- Flag concerns around boundaries, planning, or lease issues early
- Recommend reputable local solicitors if DIY becomes too overwhelming
Even if you’re doing the legal legwork yourself, having a responsive, local estate agent can provide much-needed structure and peace of mind.
Final Thoughts: Weighing the Cost Against the Risk
Doing your own conveyancing might save you money — but it comes with a clear trade-off in terms of risk, time, and potential stress. If you’re experienced, dealing with a simple, mortgage-free transaction, and confident in your legal knowledge, it might be a suitable option.
However, for most people — particularly first-time buyers or those navigating a complex sale — the risks outweigh the savings. A qualified solicitor or conveyancer offers not only expertise but also the reassurance of insurance-backed protection.
Whether you’re considering DIY or just starting the buying or selling journey, estate agents in Plymouth can help guide your decision-making, recommend reliable legal support, and ensure the process runs as smoothly as possible from start to finish.