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Conveyancing is the act of transferring property ownership or "title" from one party to another. In other words, it is the legal process of buying and selling a property. As dedicated property lawyers we are specialists in handling this legal process and our expertise and experience is focused entirely on conveyancing and the legalities of conveyancing transactions.

Buying, selling and remortaging a property

Whether you are simply remortgaging, buying, or selling a property we can offer our legal support and years of knowledge to make your transaction as smooth and easy as possible.

If you are buying a new home, or selling an old one, our proven track record and satisfied clients are examples of our dedication to making sure that you enjoy what may be an exciting time to look forwards to a new start. If you would like to learn more about our remortgaging or conveyancing service then contact us.

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Transfer of equity

Sometimes during the lifetime of owning a property you may look to transfer a share of the property to or away from another person. In situations like this, you can ask us to carry out a "transfer of equity" (also known as "equity transfer").

More often than not, a transfer of equity is carried out when a relationship breaks down or can happen when a new relationship begins - in these scenarios, a someone is either removed or added to the property ownership information.

This can be a trying and emotional time for all parties concerned. In what may be a stressful period, we try to make the transaction as stress free as possible while also remaining sensitive to the issues faced by all the parties involved. If you need to find out more about equity transfer then contact us and we can help.

Shared ownership

In today's world of house prices, shared ownership is becoming more and more common among first-time buyers.

Shared ownership is used as a term to describe the part-buy, part-rent schemes. These schemes are very popular with first-time buyers who cannot afford the often large deposits required for purchasing a property.

How does shared ownership work?

In effect, a percentage of the property value is purchased using funds made available through a shared ownership scheme. The remaining percentage of the property value is then purchased using a shared ownership mortgage obtained through a normal high street lender. Once the purchase has been made, you would then have to pay whatever the repayments were on the mortgage as well as paying an additional amount to the shared ownership scheme in either rent or loan repayment, dependent on how the scheme works. The amount of rent or repayments on the funds made available through the shared ownership scheme vary from scheme to scheme and you should be clear how much you will have to repay. Although it may appear more expensive, it does reduce the monthly repayment amounts, often by up to 50%, based on what you would have had to pay if you had obtained a standard mortgage on the property from a high street lender.

Complex as it sounds, shared ownership is just like any other conveyancing transaction and one that we are well equipped to deal with. If you are interested to find out more about shared ownership then contact us.

Bradshaws Property Lawyers is authorized and regulated by the Council for Licensed Conveyancers. Registered Offices: 1 Coronation Road Menai Bridge Anglesey LL59 5BD. Registered Practice Numbers 505630 and 511324