November 4th, 2011 HIP-Consultant.co.uk Posted in Financial Products, Mortgages | 1 Comment »
Choosing the right mortgage is possibly the biggest financial obligation most people make in their lifetime, so it’s imperative that you do your research before making your decision.
With an abundance of selections of mortgage options and an endless array of financial institutions offering their own programs, you can be left feeling overwhelmed.
November 1st, 2011 HIP-Consultant.co.uk Posted in Land Registry, Property Conveyancing, Property Market | Comments Off on Exchanging Contracts in Property Conveyancing Process
A contract for the sale of goods does not have to be in writing. It can be verbal or it can even be implied by the actions of the parties. For example when you go into a shop you might not speak to the assistant but by you handing over money and him/her handing over the goods the law assumes that a contract was intended and the terms of that contract are implied by certain statutory rules.
October 27th, 2011 HIP-Consultant.co.uk Posted in Insurance, Landlords | Comments Off on Your guide to landlord insurance
Landlord insurance is an extremely important thing for people in the property rental industry to have in place. Sometimes referred to as “buy-to-let insurance” for this exact reason, this form of cover is taken out as a means to protect a landlord’s property.
October 24th, 2011 HIP-Consultant.co.uk Posted in Land Registry, Legal, Property Conveyancing | 2 Comments »
If you are buying or selling a property then, unless you are planning to do your own conveyancing, you’ll need to instruct a conveyancer (i.e. a solicitor or licensed conveyancer) to represent you. So with thousands of law firms out there to choose from, how do you go about getting a conveyancing quote? First you need to decide what you’re looking for. Do you want a local firm, whose offices you can visit, or would you rather do everything by phone, post and email?
October 20th, 2011 HIP-Consultant.co.uk Posted in Mortgages, Property Market | 3 Comments »
I was reading about Nick Clegg’s proposal at the Liberal Democrat conference to impose an additional tax on empty homes the other day with the aim of stimulating the housing market and it got me thinking about a couple things. Firstly, why oh why did I think voting Liberal was a good idea and secondly, what could be done to stimulate the housing market?
October 13th, 2011 HIP-Consultant.co.uk Posted in Land Registry, Landlords, Legal | Comments Off on Acquiring the Freehold of a Leasehold House
Most houses in England and Wales are freehold. This means that the owner has a right to remain on the land and in the house in perpetuity (forever) or until he sells or transfers it, at which point the new owner takes over the right. Although technically the land (and therefore the house) actually belongs to the Crown, for all practical purposes it is owned by the home owner. There are some houses however that rather than being freehold are let on long leases. These are known as leasehold houses.
October 5th, 2011 HIP-Consultant.co.uk Posted in Land Registry, Property Conveyancing | 2 Comments »
When you are looking for a lawyer to carry out your conveyancing you basically have two options. You can either choose a traditional high street solicitor’s firm or a specialist conveyancing company. There are advantages and disadvantages to both and which you choose should depend on a number of factors such as cost, your personal circumstances and perhaps how quickly you need the transaction to proceed.
September 27th, 2011 HIP-Consultant.co.uk Posted in Land Registry, Legal, Property Conveyancing | 2 Comments »
The conveyancing contract (sometimes referred to as the agreement) is a document which contains all of the terms and conditions to which a conveyancing transaction is subject. Once contracts are exchanged those terms become legally binding on all parties.
September 15th, 2011 HIP-Consultant.co.uk Posted in Estate Agents, Mortgages, Property Market | 3 Comments »
You would need to have been living on Mars for the past ten years not to know about the rise and fall of the UK Housing Market. From the incredible price inflation of the early 2000s to the near collapse following the 2008 banking crisis, house prices regularly make for headline news. So what’s next?
September 8th, 2011 HIP-Consultant.co.uk Posted in Home Improvements | 3 Comments »
We’re now in an era of ‘making do’ where two thirds of Brits (66%) say they would fix broken items rather than buy brand new replacements. Saving for the future and paying off debts also take precedence over having the most up-to-date gadgets and keeping up with the latest fashions.
September 7th, 2011 HIP-Consultant.co.uk Posted in Energy Saving, Green Deal | 1 Comment »
In readiness for the launch of the much anticipated Green Deal, the Government’s flagship environmental project aimed at making up to 14 million homes more energy efficient through loans to home owners for the purchase of energy saving improvements to the properties, the Department of Energy and Climate Change is busy drafting a Code of Practice, aimed at ensuring a proper level of protection for consumers.