Brad is on the roll of solicitors of England & Wales but does not hold a practising certificate and does not provide legal advice.
Updated June 2026 · England & Wales
Buying or selling a home in England or Wales throws up a wall of terminology that can leave even confident people feeling out of their depth. Searches, title, covenants, disbursements, completion: the words fly around in emails from your solicitor and it is not always clear what hinges on what.
I put this glossary together so that anyone moving through a property transaction has a straightforward reference to turn to. Each entry is written in everyday language while staying faithful to the legal meaning, so you can follow what your conveyancer is telling you and ask sharper questions back.
Whether you are a first-time buyer trying to decode your offer pack, a seller working through enquiries, or someone considering a remortgage, the terms below cover the vocabulary that tends to come up most often in a typical residential transaction.
Overview
A conveyancing glossary is a reference list of the terms, phrases, and shorthand used during the legal transfer of property ownership in England and Wales. Conveyancing sits at the meeting point of contract law, land law, and lender requirements, which is why the language can feel dense.
Many of the words carry centuries of common law behind them, others come from statute, and some are simply industry shorthand used by solicitors, estate agents, and surveyors to move work along quickly. The purpose of a glossary like this is to strip each term back to what it actually means in practice for you as a buyer, seller, or property owner.
It will not replace advice from your conveyancer on a live transaction, because every matter has its own facts, but it gives you the grounding to read your paperwork critically, spot things you want to query, and understand why your solicitor is asking for particular information. Think of it as a translator sitting between you and the process.
Key steps
Start with the core stages. Before diving into individual terms, get a feel for the sequence of a typical transaction: offer accepted, instruction of a conveyancer, searches, enquiries, exchange of contracts, and completion. Most of the vocabulary you will meet clusters around one of these stages, and understanding where a word fits makes it far easier to remember what it does. 2. Separate title terms from finance terms. Some words describe the legal ownership picture (freehold, leasehold, title register, easements, covenants), while others describe the money side (deposit, disbursements, stamp duty, retention, redemption). Sorting new terms into these two buckets as you read helps you track which issue a given document is really concerned with. 3. Read your paperwork with the glossary open. When your conveyancer sends the contract pack, property information forms, or search results, keep a glossary nearby and look up anything you are not fully sure about. Highlighting unfamiliar terms as you go turns a passive read into an active one and flags the exact points you might want to raise before exchange. 4. Write down questions as they occur. If a definition clears something up but also raises a new concern, jot it down straight away. Conveyancing moves quickly once searches are back, and a short list of focused questions will get you much further with your solicitor than a vague feeling that something did not sit right. 5. Check currency before relying on figures. Thresholds for stamp duty land tax, Land Registry fees, and search costs change from time to time. The definitions here explain what each item is, but always check gov.uk or confirm with your conveyancer for the figures that apply on the date of your transaction.
Q What is the difference between freehold and leasehold?
Freehold means you own the property and the land it stands on outright, for an indefinite period. Leasehold means you own the right to occupy the property for a fixed number of years under the terms of a lease, with the land itself belonging to a separate freeholder. Most houses in England and Wales are freehold, while most flats are leasehold, though commonhold and share of freehold arrangements also exist.
Q What are disbursements in conveyancing?
Disbursements are third-party costs your conveyancer pays out on your behalf during the transaction, separate from their own legal fee. Typical examples include local authority search fees, Land Registry fees, bankruptcy searches, and stamp duty land tax where it applies. Your quote should break these out so you can see what is professional fee and what is money simply passing through the firm to someone else.
Q What does exchange of contracts actually mean?
Exchange of contracts is the moment the transaction becomes legally binding. Up to that point either party can walk away without penalty. Once contracts are exchanged, the buyer is committed to buying and the seller to selling on the agreed completion date, and the deposit is at risk if the buyer pulls out. Completion, when keys are handed over and the balance is paid, usually follows exchange by days or weeks.
Q What is a restrictive covenant?
A restrictive covenant is an obligation written into the title that limits what the owner can do with the property. Common examples include restrictions on extensions, business use, or keeping certain animals. Covenants bind successive owners, so a covenant imposed decades ago can still affect you today. Your conveyancer will flag any that appear on the title and advise whether indemnity insurance or a formal consent might be appropriate.
Q Why do searches take so long?
Searches involve requesting information from external bodies such as the local authority, the Coal Authority, water and drainage providers, and the Environment Agency. Turnaround times depend on those bodies rather than on your solicitor. Some councils return local searches within days, others take weeks. Delays here are one of the most common reasons a transaction stalls, which is why your conveyancer usually orders them as soon as you instruct.
Q What is chancel repair liability?
Chancel repair liability is a historic obligation that can require the owner of certain properties to contribute to the cost of repairing the chancel of a local parish church. It stems from pre-Reformation land arrangements and can still attach to properties in England and Wales. Conveyancers often carry out a chancel check search and may recommend indemnity insurance where a risk is identified.
Q Do I really need to understand all this terminology?
You do not need to become an expert, but understanding the core terms helps you follow what your conveyancer is doing and make confident decisions at key moments. The more you recognise, the less likely you are to miss something important in a report on title or a set of enquiries. A glossary gives you the vocabulary to engage with the process rather than simply nodding through it.
A glossary will take you a long way, but sometimes you need to talk through what a specific clause, covenant, or enquiry means for your own purchase or sale. An experienced legal adviser can give you plain-English guidance tailored to what you describe on the call, so you can decide what to raise with your conveyancer.
✓Plain-English answers to your specific questions about the terminology in your paperwork
✓Practical perspective on your situation based on what you describe
✓Help thinking through what to flag with your conveyancer
✓Clarity on what a particular clause or search result might mean for you
Personal call · For information only · Independent advisers
Written & reviewed by
Brad Askew Solicitor (non-practising)
Brad is on the roll of solicitors of England & Wales but does not hold a practising certificate and does not provide legal advice. LegalDocuments.co.uk is not a law firm and does not provide regulated legal advice.
This article is for general information only. It is a tool to help you find your way — not legal advice, and not a substitute for speaking to a qualified adviser about your situation.