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Buying a Home
Buying a home is the biggest investment most people make in a lifetime. It’s often complex, time-consuming and without the right legal team, potentially very risky too.
From the first moment you make contact with our team to the day we contact you to let you the keys are ready, we'll shoulder the burden and relieve you of all the stress and anxienty typically associated with moving home. All you then have to do is decide what colour to decorate!
Get in touch with our friendly team to discuss your requirements today on (01482) 590290.
Find out more about our Residential Property team members, including their email addresses, by clicking their pictures below.
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Selling Your Home
When it is time to say goodbye to a property we will ensure the process goes to plan without burdening you with difficult decisions.
It's a complicated, time-consuming process with many potential risks so that's why you need the best advice possible.
As the sale progresses we'll explain everything to you in simple terms and keep you fully informed throughout. We're always at the end of a phone if you have any queries too. We'll get your sale over the line quickly and efficiently.
Get in touch with our friendly team to discuss your requirements today on (01482) 590290.
Find out more about our Residential Property team members, including their email addresses, by clicking their pictures below.
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Letting Your Property
If you’re planning to buy-to-let, we can check if there are any legal restrictions on letting the property.
If you’re buying a freehold house then there should be no such restrictions.
If the property is leasehold, especially if it is a flat or apartment, it may be subject to a restriction on letting. We’ll advise you on the exact effect of any restrictions on letting, and the legal implications if you were to let in breach of covenant.
When you’re buying a leasehold property we know it is important that any notices or correspondence from the freeholder or managing agents are sent direct to you and not to the property. We work hard to ensure all legal issues are handled seamlessly while keeping you informed and up-to-date at every step of the way.
There are set laws and regulations landlords must follow when it comes to dealing with tenants. Our commercial property team are with you all the way and can provide legal advice to landlords on all areas including rent arrears, tenant eviction and enfranchisement and leasehold extension.
Get in touch with our friendly team to discuss your requirements today on (01482) 590290.
Find out more about our Residential Property team members, including their email addresses, by clicking their pictures below.
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Releasing Equity in Your Home
Equity release is a scheme that lets you turn the equity tied up in your home into disposable cash. If you’re a homeowner aged 55-95 and own a property worth at least £50,000, you can take out equity release. There are two main schemes: the lifetime mortgage and the home reversion scheme.
Lifetime mortgage
This is the most popular type of equity release scheme. It involves taking out a loan secured on your home, which doesn’t need to be repaid until you die or go into long-term care.
Home reversion
This scheme involves selling all or part of your home to a home reversion provider. You can choose to have this as a cash lump sum, regular payments, or both.
Whichever scheme you choose, we can handle the legal details, make sure everything goes to plan and protect your best interests along the way.
Get in touch with our friendly team to discuss your requirements today on (01482) 590290.
Find out more about our Residential Property team members, including their email addresses, by clicking their pictures below.
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Remortgaging Your Home
In simple terms, remortgaging involves switching your current mortgage to a new deal, arranged either with your existing lender or with a new lender.
As a current homeowner you may want to consider taking this step for a number of reasons, such as to save money, raise money, consolidate debts or avoid moving home.
We can guide you through the process and introduce you to reputable independent financial advisers and financial authorities who can help you make the right choice for you.
What’s involved?
The lender will require a valuation to ensure the value of your property is sufficient for them to lend on.
You'll be required to make an application in the same way as when buying a property. The application has to be underwritten by the lender, who will require evidence that the loan/mortgage to date has been maintained. They'll then issue you with an offer. This is when we can do the conveyancing work.
During the conveyancing process, local searches will be conducted and a report and title will be sent to the new lender. Finally, we will ensure your previous lender is repaid when the new lender releases the new mortgage funds. If you're borrowing additional funds, we will release these to you on, or shortly after, completion.
Is this more expensive than moving?
The legal fees and legal process for remortgaging are less complex than purchasing. But there are other costs that will apply such as early repayment charges, lender's arrangement fees, brokers fees etc that you will need to consider.
Get in touch with our friendly team to discuss your requirements today on (01482) 590290.
Find out more about our Residential Property team members, including their email addresses, by clicking their pictures below.
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Pricing transparency
Gosschalks is regulated by the Solicitors Regulation Authority (SRA) and as such is required to provide transparency around pricing for a range of legal services offered by the firm.
Please find such details related to this service area together with details of our complaints procedure by clicking or tapping here.
Conveyancing
Whether you’re buying, selling or leasing property, we’ll take all the strain allowing you to focus on what matters most to you in your life.
99.2% of residential conveyancing clients in the 12 months to October 2023 said they would recommend Gosschalks to a friend. Of these respondents, 87% rated our speed of response as excellent, and 12% rated our response times as good.