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Getting Started

"Another HBC™ Law Basic Guide"

Getting Started

"HBC™ Law Basic Guide"

Where to begin

Where to begin

Practical Guides

Is your head buzzing with ideas yet? We are always available or if you have the time browse through the guides. They will help you through the thinking part of the moving process. Don’t worry, they might not all apply to you, but it will help you remember the little things to make your move that little bit easier. Our checklist has both serious and lighter notes to it. It’s no secret that moving home can be a challenge, but remember that you’ll most likely only do this a few times in your lifetime. For many people a house is a home with many memories. It is important that on your moving day you try to take time to enjoy the moment and the excitement of such a big event. You’ll be busy, but that’s the nature of a home move!

Our checklist has both serious and lighter notes to it. It’s no secret that moving home can be a challenge, but remember that you’ll most likely only do this a few times in your lifetime. For many people a house is a home with many memories. It is important that on your moving day you try to take time to enjoy the moment and the excitement of such a big event. You’ll be busy, but that’s the nature of a home move!

See The Scottish Standard Clauses (Edition 2) Click Here

All In The Detail

Organise your survey and mortgage; Contact Conveyancing Lawyers for your solicitor; Organise your removal specialists; Calculate your deposit and have it ready; Arrange buildings insurance for your new home; Check out the utility suppliers; Work out the stamp duty if applicable; Enroll the kids at school if moving far afield; Arrange your new doctor and dentist; and Have a takeaway number ready for your first meal while unpacking!

MORTGAGES & BANKS

If you use a lender or bank to help buy your property brings its own unique set of rules that you must be aware of. The first thing you must be aware of is that your appointed lawyers most probably also act for your bank. Is this an issue? Well it can in many cases complicate matters, for instance - Your bank or lender will ask your lawyer to confirm many areas. Despite the fact that your bank or lender has stated that they will provide funding, they ask your lawyer to ensure other details before sending the funds. For example, but not exclusive….

1. If your financial situation changes 2. If the purchase price changes 3. If any party to the purchase changes 4. If you are receiving any of your deposit from another person 5. If you have deviated from any of your agreements or circumstances that you discussed with your bank 6. If ALL the paperwork for the property is in place (no exceptions) 7. If ALL the searches have been completed and are all ok. 8. Your identity has been confirmed. 9. And finally and possibility that all the conditions of the loan including all the conditions of the Council of Mortgage Lenders Handbook(CML) have been adhered to.

 

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