We are your one-stop shop for legal services in Birmingham. Offering a walk-in service, we can help you get to the bottom of any legal matters quickly and conveniently. Alternatively, you can arrange a consultation with one of our solicitors at a time and date to suit your needs. Whether you need help with loan agreements, occupiers’ consent, transfer of property, contract advice, disputes or anything else, call us for sound legal advice.
It is essential that loan agreements are drafted and reviewed by legal experts. We have expert lawyers that specialise in financial legal matters who can assist with all issues relating to loan agreements. Our financial legal team can assist with:
If an adult who is not a legal owner of your property lives at the house, then you may require ‘Occupiers’ Consent’ if you wish to take out a mortgage on the property. A lender will usually insist on this agreement being in place before funds are released.
An Occupiers’ Consent Form safeguards the lender from the occupier claiming a legal interest in the property if you do not keep up with your mortgage repayments. It gives the lender assurance that if they ever needed to repossess the home, that it can be repossessed with vacant possession.
Certain factors such as the length of time the person has resided at your home, their relationship to you, financial contributions to living costs and so on could mean that they could claim a legal interest in the property, even though they are not named on the deeds. This could be a relative or a cohabiting partner, for example.
If you intend to transfer your property to a family member or anyone else, then we can help you do this within the law. Whether you need to transfer ownership to another party (with or without a mortgage), transfer equity or you wish to gift your property to your children before you die, we can help, so call us for expert property legal advice.
There are many instances where a person who is not the legal owner can claim a legal right over the property. For example, if you lived with a partner and they contributed to the mortgage and bills, they could claim an interest against the property if the relationship breaks down. If a person/people reside in a property or maintain land that they do not own for over 10 years, then they could claim adverse possession.
You can gift your home to someone else and as long as the gift was declared 7 years or more before your death, then the property will not be considered part of your estate and the beneficiary won’t be liable for inheritance tax on the property. However, if you remain a resident at the property, then the 7 year rule doesn’t apply, and the property will be included in your estate upon your passing.
If you are about to enter a legal agreement or complete a transaction, then we can aid you with professional Independent Legal Advice (ILA).
When making a transaction, forming an agreement or drafting a contract, an independent solicitor that is not connected to the transaction must be consulted and complete a certificate of Independent Legal Advice. Appointing ILA protects both parties and without it, it can be hard to enforce any element of the agreement if required in the future.
ID1 forms must be completed by private individuals when making a land or property transactions that are lodged with Land Registry. The purpose of this form is to verify your identification and mitigate against identity fraud. ID2 forms must be completed by corporate bodies.
We can certify ID1 and ID2 forms for you to ensure you have a smooth transaction. Get in touch for more information.
If you are considering buying a property at auction, then it is essential that you are fully aware of the contract you are about to enter into. Unlike standard conveyancing, with auction sales, you are contractually bound to complete the purchase if you place the winning bid.
As a result, it is more important than ever to ensure you are aware of any risks associated with the sale and the terms of the contract.
We provide a pre-auction pack legal review service, so you are fully informed on all aspects of the sale before you commit to bidding on a property. This includes a thorough assessment and analysation of the following information:
Whether you want to legally revert to your maiden name, change your own name or your child’s name for any reason, we can help. A Change of Name Deed is necessary to make the new name legal and will also form as proof and formal documentation should you ever need to prove your identification in the future.
As Commissioners For Oaths, we can assist with the administering of oaths, affidavits and statutory declarations. We offer a fixed fee service. For more information, please contact us.
If you need help navigating any aspect of the law, call us for professional legal services in Birmingham.