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  • EHL Conveyancing Team
    Mortgage Lender’s Requirements
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    Mortgage Lender’s Requirements According to the Council for Mortgage Lenders the average loan to value provided by a mortgage lender against a purchase in England during 2016 was 84%.  The average loan to income ratio for the same period was 3.61. Given their financial input for a given transaction mortgage lenders seek to limit their… Learn more

  • EHL Conveyancing Team
    Insurance for new properties
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    Insurance for New Properties   When buying a brand-new property, the developer should offer the benefit of structural insurance such as NHBC or a similar scheme. This provides the buyers and successive owners with insurance against certain structural defects for a period of, usually 10 years, after construction.   The sale contract should provide for… Learn more

  • EHL Conveyancing Team
    Lease Extension – What is it and Do I need it?
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      Lease Extension – What is it and Do I need it?   All Leases run for defined term, this can be anything from 99 years, 125 years  to 999 years. Even though this may seem like a long period of time  you may need consider extending your Lease when the term reaches 85 years…. Learn more

  • EHL Conveyancing Team
    Why have searches when purchasing a property?
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    Why have searches when purchasing a property? For first time buyers it can come as a surprise that searches are required at all when they have also paid for a survey and it is important that the reason the searches are performed is understood. As with previous articles it should be re-iterated that the overriding… Learn more

  • Kate Herbert - Residential Conveyancing
    Voluntary Registration of Unregistered Land
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      Voluntary Registration of Unregistered Land Over 80% of land in England and Wales is now registered with the Land Registry, meaning there is a clear, permanent electronic record of who owns what. Where land has not been registered, we refer to this as being ‘unregistered’ whereby ownership to the land is evidenced by paper… Learn more

  • EHL Conveyancing Team
    Everything you need to know about Help to Buy ISAs
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            In late 2015, the government launched the Help to Buy ISA scheme, which will provide house-hunters with a boost toward their cash deposit if they are able to meet a suitable level of saving. As experts in residential conveyancing, we regularly help clients to make the most of the complex legal aspects of… Learn more

  • Rebecca Gunn - Residential Conveyancing
    Why make a Will?
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      Why make a will?   You spend your lifetime carefully managing your money and building up your estate but imagine if on your death it is all given to someone you never intended to inherit it and potentially leaving out your loved ones.   Without  a Will, your assets will be shared according to… Learn more

  • Sarah Sainsbury - Residential Conveyancing
    What is a Joint Tenant?
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    What is a joint tenant?   When purchasing a property, your solicitors will ask at some point during the transaction how you want to own the property and the terms used are either joint tenants or tenants in common. This usually leads to some confusion due to the terminology used as usually the term tenant… Learn more

  • Kate Godber - Wills, Probate, LPA, Tax and Trusts
    Declaration of Trust for jointly owned rental properties
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    Did you know?   If you own a rental property with your spouse or civil partner but you don’t split the income equally between you both, there is a dedicated tax form to let HMRC know.   Usually, the shares of a property between two or more people are written in a “Declaration of Trust”:… Learn more

  • William King - Commercial Property
    5 Further points to consider when taking a Commercial Lease
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    5 Further Points to Consider when Taking a Commercial Lease In a previous post some of the legal aspects in negotiating and signing up to a commercial lease were considered. But as that post advised, leases are complex beasts with many interacting parts, so it is worth looking at some of the other common clauses… Learn more

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