The decision to take on a mortgage is a big one and should not be taken lightly. It is likely that you will be repaying it for most of your working life. It’s extremely important therefore to make sure that you get the mortgage that is right for you. You should be prepared to pay a little extra for some good quality independent financial advice.
Applying & Obtaining a Mortgage in 2011
April 26th, 2011 HIP-Consultant.co.uk Posted in Financial Products, Mortgages | 1 Comment »
Why doesn’t one size fits all home insurance work?
April 21st, 2011 HIP-Consultant.co.uk Posted in Financial Products, Insurance | 1 Comment »
How much attention do you pay to the nitty gritty of your home insurance? Not much? Then now might be the perfect time to make a change. The fact is that one-size-fits-all home insurance doesn’t really work for anyone – we’ve all got different needs and different things that need covering.
Estate Agents and Sellers Making False or Misleading Statements
April 18th, 2011 HIP-Consultant.co.uk Posted in Estate Agents, Legal, Property Conveyancing | 1 Comment »
When buying a property it is important to ensure that you inspect everything that you can and that you have surveyed everything that you can’t, such as the structure or the electrics and central heating system. This is because of the principal of caveat emptor – Latin for buyer beware.
Read the rest of this entry »
Holiday Letting EPCs – Are they really required?
April 5th, 2011 HIP-Consultant.co.uk Posted in Energy Saving, EPC | 4 Comments »
On 30th June 2011 a piece of legislation comes into effect that will ensure that an Energy Performance Certificate or EPC is required on Holiday Lettings. This will bring Holiday Lets into line with other properties that need an EPC, such as those currently required on sales and rental basis.
How Do I Know If a Covenant Can Be Enforced?
March 28th, 2011 HIP-Consultant.co.uk Posted in Land Registry, Property Conveyancing | Comments Off on How Do I Know If a Covenant Can Be Enforced?
Covenants are rules which dictate how landowners can use their land. Unlike statutory rules such as those set out in acts like the Town and Country Planning Act or Building Act they are imposed by the original owner of the land, often by a developer when he sells plots on an estate or by a landowner who owns a large estate and sells parts off. As a result covenants are individual to each property.
Alternative Business Structures – Business Entity
March 14th, 2011 HIP-Consultant.co.uk Posted in Estate Agents, Legal, Mortgages | 2 Comments »
Currently, a solicitor who is performing “reserved legal activities” (activities which only a solicitor is permitted to perform such as the key elements of a conveyancing transaction) for the general public is only permitted to practise in a firm wholly owned by solicitors. The Legal Services Act 2007 (“the Act”) however introduces a new type of business entity, the Alternative Business Structure (ABS).
What is Legal Indemnity Insurance?
March 7th, 2011 HIP-Consultant.co.uk Posted in Legal | 12 Comments »
Legal indemnity insurance is used more and more in conveyancing as a way of getting a transaction to the point of completion more quickly than would be possible if whatever defect is being insured against were actually resolved.
Finding & Choosing the Right Conveyancer
March 1st, 2011 HIP-Consultant.co.uk Posted in Property Conveyancing, Property Market | 6 Comments »
According to surveys, moving home is the third most stressful thing the average person will have to deal with after the death of a loved one and a divorce. As well as this, a home is by far the most valuable purchase or sale then any of us will ever make, so with these things in mind it’s important to choose the right conveyancer. If you are confident your conveyancer is doing a good job you can free to concentrate on organising the hundred and one other things you’ll need to do!
Conditional Exchanges, Options to Purchase and Rights of First Refusal
February 21st, 2011 HIP-Consultant.co.uk Posted in Property Conveyancing, Property Market | 1 Comment »
The majority of the time when you are selling a property or when you find one you want to buy, you will want to exchange and complete as soon as possible. This won’t always be the case though. It might be that you want to reserve the right to buy a property at some time in the future, or that you want to give yourself the option to escape the contract if certain conditions are not met.
FindaProperty.com bolsters its number 2 position
February 15th, 2011 HIP-Consultant.co.uk Posted in Property Market, Property Portals | 4 Comments »
FindaProperty.com has strengthened its position as the clear number 2 property website in the UK according to new independent data from comScore, the global leader in measuring the digital world.
Buying Home Content Insurance – Important Criteria
February 14th, 2011 HIP-Consultant.co.uk Posted in Financial Products, Insurance | 4 Comments »
Looking after a home is a huge responsibility and when you are considering making sure that you and your belongings are safe it is important to decide to take out home insurance cover. The trouble is there are so many different insurance policies out there, by so many different providers, that it is difficult to choose between them.