If you’ve recently bought a house and are wondering what documents you should receive after completion, we’re here to help. This guide will explore the relevant paperwork, including:
• Stamp Duty receipt
• Indemnity insurance certificate
• Energy Performance Certificate (EPC)
• Property Information form (TA6)
• Fittings and Contents form (TA10)
• Transfer deed
• Mortgage deed
• Copy of the lease
• Warranty
1. Stamp Duty receipt
Stamp Duty applies to leasehold and freehold properties in England. You have 14 days to pay it after you purchase your new home. Your solicitor can do this on your behalf and give you a receipt within 30 days of completion.
Learn more about Stamp Duty in our guide.
2. Indemnity insurance certificate
An indemnity insurance policy covers legal defects that cannot be resolved or would be very expensive to resolve. You can ask the seller to provide you with the certificate, or your solicitor can advise you on how to get it.
3. Energy Performance Certificate (EPC)
An Energy Performance Certificate (EPC) must be included in the property sale by law. It rates your home’s energy efficiency and estimates its carbon emissions while offering tips on how to reduce them.
4. Property Information form (TA6)
The Property Information form, or TA6, provides insights into your home, including:
• Boundaries – Who’s responsible for fences or hedges
• Complaints – Any ongoing disputes with neighbours
• Proposals – Notice regarding future planning developments in the area
• Warranties – Any warranties or guarantees on the property
• Insurance – How much it costs to insure the house
5. Fittings and Contents form (TA10)
The Fittings and Contents form, or TA10, outlines what’s included in the sale. This covers everything from furniture and ornaments to light fittings, flooring and garden plants.
6. Transfer deed
Once you’re registered with the Land Registry as the owner of the property, you’ll receive the title deeds. These are usually digital, but you can request a copy from your solicitor. This will list you as the ‘registered proprietor’ within a month of completion.
7. Mortgage deed
You’ll receive a mortgage deed if you’ve taken out a mortgage to buy your home. This outlines the deal’s terms and conditions, including the amount borrowed, your interest rate and repayment schedule.
8. Copy of the lease
If you’ve bought a leasehold property, you’re entitled to receive a copy of the lease. This outlines the number of years left on the lease and the current ground rent and service charges.
9. Warranty
A warranty shows that previous owners have been responsible for repairing faults. If the property you’ve purchased is new or under ten years old, you’ll receive a copy of your Buildmark (NHBC) and other new home policy documents. You can ask the seller for a copy of any warranties for electrical goods, fixtures and fittings they leave behind.
Buying a brand-new Barratt home means you’ll be covered by an NHBC warranty and insurance policy, known as Buildmark, which includes a 2 year builder warranty period, followed by an 8 year insurance cover.
Explore the benefits of buying new in our guide, and browse our offers for first and second-time buyers.
Call our Sales Advisers today to reserve your property.
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