What is it? Conveyancing refers to the transfer of a property title from one person to another, and is an important legal aspect of moving home. Stirling Ackroyd Legal offer a range of conveyancing services all administered by highly qualified and experienced conveyancing specialists.
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As a dedicated property law service, our specialist conveyancing team can assist you with:
- Purchases and sales
- Residential development funding
- Buy to let
- Shared ownership
- ‘Right to buy scheme’
One to one service - you will be appointed one of our experts in property conveyancing. He or She will be committed to you and your project throughout the entire process and will be available at any time to answer questions or concerns.
Are you Buying or selling a house? For more information on our conveyancing services, please contact our specialist team at Stirling Ackroyd Legal.
Freehold and Leasehold
Whether registered or unregistered, Stirling Ackroyd Legal can advise you on the procedures and documentation and give you regular progress reports throughout the transaction of a freehold or leasehold property.
Most houses in the UK are ‘freehold’ properties, which means the owner of the freehold (the ‘freeholder’) owns both the property and the land on which the property sits. With freehold property, the freeholder is solely responsible for the upkeep of the property.
Subject to any local planning regulations, a freeholder can do anything they want to, in and outside the building. There may, however, be certain restrictions, ie if the building is a ‘listed building’ or situated in an Area of Outstanding Natural Beauty or a ‘conservation area’. With ‘new-build’ properties a freeholder may have to obtain permission if they have plans to restructure the property.
The majority of flats in the UK are sold on a ‘leasehold’ basis, which means the property is owned for a specific number of years, as set out in a lease – this can be anything from 99 years to 999 years. During this period, a leasehold property can still be bought and sold.
The person (or company) that owns the leasehold property is the freeholder who receives the property when the lease runs its course. On a yearly basis, a leaseholder has to pay ground rent to the freeholder for a leasehold property. Any repairs and maintenance payments are paid by the leaseholder.
Property Sale or Purchase
Are you are buying or selling a house? Remortgaging? Looking to extend your lease or still looking for a property? At Stirling Ackroyd Legal we have chosen to focus solely on property law and have a team of experienced lawyers available across a wide range of specialist areas. Contact us if you wish to speak to one of our expert partners concerning your property sale or purchase.
As members of CQS (Law Society’s Conveyancing Quality Scheme) we meet the very high standards required. You can be assured of professional, efficient conveyancing service. We are on the panels of every leading high street UK bank, building societies and finance houses.
Why use Stirling Ackroyd Legal for your property needs?
- Our only business is property
- Easily accessible - In a place near you
- Personal Service
- Over 100 years’ combined experience
Buying Property at Auction
If you are considering buying or selling a property at auction it is important that you request an auction pack from the auctioneers beforehand since the process is very different from buying a house via the typical agent route. Remember, if your bid at auction is successful you are legally bound to purchase the property. We can guide you through the auction pack to ensure due diligence has been completed and every potential area of issue is covered and you can enjoy your winning bid!
We work closely with our other specialist teams to cover a whole range of related residential property matters, including inheritance, tax trusts and planning law issues.
Shared Ownership or Shared Equity
Stirling Ackroyd Legal are experienced in acting for both individuals and Housing Associations who can ensure the correct procedures are followed and advise you on the requirements in shared ownership or equity.
Buying the Freehold and/or Extending a Lease
If you are a tenant and wondering if you have the right to purchase the freehold of your property or extend the lease, Stirling Ackroyd Legal can help. We have experienced lawyers available who act for both landlords and tenants in these applications, to assist you on all aspects of the process from general advice and serving notices to drafting and approving documentation.
We think you might have a few of the questions about extending your lease or buying the freehold:
Why would I want to extend my lease?
- It is likely that your property will be more valuable
- You may want to remortgage in the future and this will be important
- If there is only a short time remaining on the lease you may find your property difficult to sell
Can I extend my lease? Yes, in most cases you can extend your lease but be mindful of exceptions:
- The flat must be held under a long lease, so one which was granted for more than 21 years;
- You must have owned the flat or property for more than 2 years.
Why should I buy the freehold?
- Buying the freehold property could make it more marketable
- Residents can grant themselves long leases for a nominal price, while reducing or completely removing the ground rent
- To take control of the management of the building generally through a freehold company
Transfers of Equity or Deed of Gift
It may be necessary to change the ownership of your property, for example, following a separation or divorce, an inherited or a gifted property. At Stirling Ackroyd Legal we deal with every aspect of a Transfer of Equity, whether freehold or leasehold.
We endeavour to make this a straightforward process. On your behalf we:
- Collate all the relevant documents
- Draft Transfer and Mortgage Deeds
- Ensure all lender's requirements are met
- Submit certificate of title, finalise and complete the Transfer of Equity
With Transfer of equity conveyancing in general it requires only that a name is added or removed from a property's title deeds. For transfer of equity to be completed, all interested parties must give consent, including any lenders or building societies. Land Registry will also need to be informed.
Remortgaging, Refinancing or Restructuring
At Stirling Ackroyd Legal, we can assist you with all mortgages:
- Re-mortgage with a new lender
- Redemption of an existing mortgage
- Taking of a new mortgage when buying a property
- Private loans
- Home Equity Release Schemes
Please contact us if you wish to discuss our remortgaging service.
Conveyancing of Developers and Investors
Our roots are in property and development and have been so for the last thirty years. We have advised some of the UK’s biggest developers and property investors. Stirling Ackroyd Legal is experienced in dealing with the sale or purchase of multiple units from 2 to 200. We understand that developers and investors can be constrained by keen budgets; deadlines and we can provide tailor made packages to facilitate the process.
To discuss development and conveyancing or any other planning issues, please contact our specialist development team.