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Three steps to home heaven

Legal & General has produced a guide for homeowners to explain Government legislation on sellers&#39 packs due to come into force in 2005.

The guide explains in three steps what sellers will have to do before they put their home on the market.

The first step is to get a mortgage agreement in principle before househunting. This will help househunters know how much they can afford and when they have found a property it will help to speed up a formal loan offer.

The second step is to prepare for the legal work. L&G is offering movers, concerned about costs if a sale falls through, conveyancing on a free fees basis if a sale fails.

The third step is to protect the home move. L&G says because nothing is guaranteed until contracts are exchanged, it will offer buyers and sellers protection insurance to cover the costs if the deal falls through due to adverse survey, death, gazumping or job loss.

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