Buying
or selling a home can be a complex business as it involves a substantial
amount of money, some detailed and exact legal steps and considerable organisation
of personal affairs.
Your Property Centre, a service of McKay Hill Solicitors, has been established
to help you make sure it all happens smoothly. We will look after all the
legal details for you and can help with your personal affairs.
The following is divided into a section on buying
and a section on selling.
Each section covers both the legal side and personal side. If we have omitted
anything which you would like to discuss, our solicitors will be happy to
meet with you.
BUYING
A HOME
The Deal
Buying a home is the largest financial deal most people ever get involved
in. It's not one to be approached without the professional advice offered
by Your Property Centre. It pays to be careful and always have any offer
to purchase (contract) carefully checked before you sign. Your Property
Centre has people qualified to help you.
The
Money
Where's the money coming from? Most of us require a mortgage or a loan
of some kind and Your Property Centre can help you obtain one or advise
you where money can be borrowed. Your Property Centre is constantly in
touch with Building Societies, Banks and a wide variety of other sources
of money. A frank discussion of your needs and ability to repay will benefit
you greatly.
Government Charges
Government charges and disbursements are necessary to ensure you become
the registered owner. Your Property Centre can explain these to you.
Ownership
There are various kinds of titles and ways in which you can be registered
as the owner. For instance, freehold and leasehold titles, and joint ownership.
We can explain these to you and help you decide which of these best suits
your needs.7
Your
Personal Affairs
You are making a substantial investment. Have you a Will or need to revise
an existing one? We can provide for your requirements.
The holder of the mortgage will require you to insure the property correctly.
We can arrange insurance for your family and your new home.
Have you organised all those last minute important details to make your
move a happy one? Our office has prepared a list of things to do which
can help. Please ask for it.
SELLING
A HOME
The Deal
You've worked hard to buy your home and now that you are ready to sell
it some care should be taken. Don't sign a deal until it has been thoroughly
checked by Your Property Centre.
We can ensure that your rights are protected. Some further negotiation
may be necessary if there are any complicated conditions or options in
the deal.
The
Money
How are you going to be paid and what will you do with the money? If you
are repaying the mortgages on your old home or are buying another home,
we can arrange it for you.
Your
Personal Affairs
Maybe you have bought a smaller home, or wish to rent for a while, or
go for a trip. We can provide you with advice on a wide range of investment
opportunities, both short-term and long.
There are many last-minute personal details which you need to remember
and we can explain the full extent of these together with advising you
on the legal aspects of your sale.
Our
Professional Fees
We will be happy to advise you of our charges in advance. We earn our
fees by ensuring that all legal aspects relating to your purchase are
correctly handled and your interests are protected.
For fees and service we are the best in town.
The procedures can be complicated and we are happy to explain them to
you at any time.
We
are here to serve you to the best of our ability
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