Invaluable Information When Buying a House

11th July 2013
Invaluable Information When Buying a House image

Buying A House?

We know that buying a house is a very exciting time but it is also one of the most important and serious financial decisions that most of us will ever make. Here are a few helpful points which will hopefully keep your mind focused and avoid getting caught up in the moment:

Make sure that the house is within your budget

Many of us require mortgage finance in order to purchase our homes and it is important that you discuss your mortgage with someone who is properly qualified. Make sure that you can afford the mortgage repayments but also the likely utility bills and council tax that you will be responsible for as a home owner. Also make sure that you know every item that is payable to purchase the property, for example Stamp Duty Land Tax is payable at variable rates on all residential properties with a purchase price of over £125,000.00 and many purchasers either do not know this or forget to factor this in to their finances.

Plans for Developing Your New Property

Often people assume that various developments can be achieved automatically however certain developments do require planning permission. A Solicitor will be able to advise when planning permission is likely to be required. He will also be able to look into the planning history of the property and tell you what sort of planning applications have been refused / accepted in the past to give you more of an idea of what you can and cannot do.

Tell your solicitor if you have any particular con

You are the purchaser and it is you that has viewed the property and decided it is right for you. If you notice anything at the property which is not quite right, for example, a damp patch or a broken window, tell your solicitor who will raise enquiries with the seller to see if the matter can be resolved or at least find out more details for you. Every house is different and unfortunately, solicitors are rarely in a position to view the property or make inspections and unless you tell them your concerns will not know to ask further questions of the seller.

Get A Survey

There are a number of levels of survey available, the cost varying between the levels. A solicitor is not an expert on buildings and what should or should not be done to keep the building safe and weatherproof etc. A survey will tell you if there are any structural problems with a property and often the likely cost of repair. It may be that a survey reveals something in the property that will deter you from the purchase completely, perhaps because a problem is too costly to remedy, at least if that happens then you know this before you part with a great deal of your hard earned money or are stuck with a house that you are unable to sell.

For more house buying information

If you require any further information, or even just a friendly chat, then please contact Mike Pepper on 01775 722261 or email or contact Claire Smith on 01775 722261 or email or alternatively write to Mike or Claire at 23 New Road, Spalding, Lincolnshire PE11 1DH.

How Banks are Cashing in on Wills image

How Banks are Cashing in on Wills

Recent headlines have reported how banks are now cashing in on Wills.

During the 1990s and early 2000s, banks offered customers low cost Wills (or sometimes even free Wills) but the small print allowed the bank to charge extortionate rates to act as Executors. It is reported that banks are expecting billions of pounds of revenue from their Will writing services and administering estates and in some cases their fees have been over £12,000 to administer an estate as they look to charge a fixed fee PLUS a percentage of the deceased’s wealth.

If you or a loved one has made a Will through a bank we would urge you to check who you have appointed as Executors and check any small print which you may have signed. If you are unsure then please speak with one of our lawyers in the Wills and Probate team who can look at your existing Will with you. It may be appropriate to make a new Will which revokes any previous Will you have made which could save your family thousands of pounds when your estate needs to be administered.

In the majority of cases, when someone has passed away we can provide the family with a quote of how much the legal fees will be so that there are no nasty surprises once the administration is complete.

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Gemma Mayer LLB

"I would highly recommend Maples Solicitors, especially Gemma Mayer, for any conveyancing work. The level of support and professionalism was excellent at all times. I also felt if I needed to ask or clarify anything that it was not an issue. Buying and selling a house is stressful enough, but Gemma helped me through it step by step."

Anita Toal LLB BA

"I think you are brilliant. You can use my comments above. You are efficient, friendly and quite clearly very good at what you do. Mainly you don’t leave people hanging around too long for." "So easy to talk to her and she understood what I wanted. She put me at ease and I cant thank her enough"

Daven Naghen LLB

"Daven provided an excellent service, from attending the first interview with me to the final court appearance. He filled me full of confidence that he would defend me to which he did and come out with an excellent outcome in view of my position that I had put myself in."

Faye Blair LLB

Faye was excellent, sensitive and acted very well to the time constraints we faced. Great service and dealt with compassion at such sad times made the process less painful very professional.

Jamie Dobbs ACILEx

Over the last forty years I have cause to deal with many law firms both in a personal and professional capacity, including some ‘top’ London Companies. In all of those dealings I have never found anyone as proactive and so willing to offer help and advice as Jamie Dobbs. During the last two years Jamie guided my parents through the completion of Lasting Powers of Attorney. Helped myself with the use of the LPA and recently dealing with Probate and Estate Administration following their death.

Mike Pepper MA

Mike Pepper gave us excellent advice. He was always most helpful and accommodating giving lucid explanations every step of the way. Thank you Mike.

Claire Smith FCILEx

Claire Smith has been amazing in every way. I highly recommend her and I am so grateful for all her help. She’s professional on all levels, reliable, extremely organised and I will be recommending her to everyone. I’m very lucky to have had her representing me and I can’t thank her enough. She is an asset to Maples. Thanks so much Claire!