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First Time Buyers get boost worth up to £2,500As mentioned in Wednesdays budget, first time buyers have been handed a pre-election boost worth up to £2,500 after the chancellor scrapped Stamp Duty on homes costing up to £250,000.
The move will hopefully boost the property market which showed signs of slowing at the start of this year after the government ended a temporary tax holiday on the purchase of properties worth less than £175,000. This is a significant move which will aid the ongoing property market recovery into 2010 and beyond and make a huge difference to the affordability for first time buyers.
The new £250,000 threshold, which takes effect at midnight 18th March 2010 on and will last for two years, means nine out of 10 people buying their first home will not be liable for this tax. A fantastic saving for any first time buyer. Previously people had to pay 1% of the property price if the home was worth more than £125,000.
The move will be partly funded by an increase to 5% in the duty on homes costing £1million or more, which will see buyers of these properties having to hand over a minimum of £50,000 in tax. That change will come into force next April.
Thousands of people are suddenly able to get onto the property ladder, however, buyers will be eligible only if they have never bought a home in Britain or overseas in the past. It also must be their only or main home, a move designed to exclude young buy-to-let investors. For example a man who gets divorced, moves out of his family home and wants to buy another one will not qualify for the relief.
To further support the Governments new incentive for first time buyers, we at Conveyancing Solutions are offering a further money saving 10% off conveyancing legal fees.
To get this 10% discount just use the promotional code "FIRSTHOUSE" at the end of your quote.
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10% Discount for First Time Buyers using code "FIRSTHOUSE"Conveyancing Solutions is pleased to offer all first time buyers a 10% discount off our legal fees to help you make that all important step onto the property ladder.
Even before you have found a property to purchase, you can discuss your requirements with us. We are happy to guide you through the procedures from the initial stages right up to collecting your keys on completion.
In addition we can advise you on other things that may be connected to purchasing a property for the first time such as whether you need to make a Will and, if you are purchasing jointly with someone else, whether you may need a document setting out your individual rights and obligations in respect of the property.
Whilst we understand the importance of keeping costs to a minimum, you should also consider the service your chosen conveyancer will provide. Here at Conveyancing Solutions, for your convenience and to always be kept up to date, you will benefit from the services of one person handling your transaction from start to finish. You will have email access, direct dial telephone numbers and online case tracking throughout.
If you are new to the conveyancing process, or if there is a particular aspect you need to clarify, please refer to our FAQ section which we are sure you will find helpful. If you have further questions, please do not hesitate to call us on 0800 019 3460 or use our Live Advisor Messenger; we would be more than happy to answer any queries you might have.
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Transfer of Equity from as little as £200Do you own a property with someone? Do you want to make a change to the ownership? The credit crunch is not only creating turmoil in the housing market and the wider economy, it is also having an effect on the number of equity transfers taking place. The number of people wanting to transfer a share of their home has leapt dramatically recently. Equity is basically the amount of value or money in a property once the outstanding mortgage has been paid or taken into account. A transfer of equity is when the owner or owners of a property decide to transfer all or a share of the equity to someone else, usually for a payment but sometimes as part of a larger financial arrangement.
There are several reasons for transfers of equity but at the moment it is mainly because the current financial downturn has put a strain on many people's relationships and finances causing them to separate. It could also be that people own a property jointly but want to change the number of shares each one has. For example, they may no longer want to own the property on a 50/50 basis but prefer a different ratio. In such cases a trust deed can be set up setting out the extent of each personal share.
Whatever your reason for transferring equity, with Conveyancing Solutions you will receive first-class advice from a solicitor you can trust, who has extensive experience advising on transfer of equity in residential property. Call us today on Freephone 0800 019 3460 or complete our online contact form.
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New Rules for Home Information Packs (HIPs)On the 6th April 2009, new rules came into force which means that home owners must have a Home Information Pack (HIP) in place before putting their property on the market. Previously, sellers could simply order a HIP before erecting a for-sale sign.
Vendors must also set out extra details in a new questionnaire, including Council tax band, structural alterations, flood risk, parking arrangements and lease details (for leasehold properties).
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Cheap Conveyancing Quotes to suit all budgetsConveyancing Solutions offers cheap online conveyancing quotes, from national conveyancing solicitors, for the legal costs of buying a house, selling a house or remortgaging a house. Conveyancing Solutions also provides low cost conveyancing quotes for shared ownership, transfer of equity, equity release, auctioned property and commercial property. We provide 100% Satisfaction with our cheap conveyancing quotes, promotional discounts, 24/7 online case tracking, out of hours appointments, dedicated solicitors and express completion service.