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The £5,000 green homes voucher explained

As part of the government’s ‘mini-budget’ back in July, it announced that it was offing £2bn to households in England to make energy-saving improvements as part of its ‘Green Homes Grant’. The scheme, which officially launched at the end of September, could mean households receive up to £5,000 in vouchers towards their energy-saving improvements. Yet,…

Moving home – what are the current guidelines during the COVID-19 pandemic

As the COVID-19 pandemic continues the UK has been through many changes since the initial lockdown was imposed at the end of March. This may leave you wondering what the current rules are on buying/selling a property, including visiting estate agents, house viewings and instructing tradespeople to quote on prospective work. Here, we have pulled…

Q3 2020 Housing Analysis

After a tale of two halves in Q2 2020, the property market continued to defy the odds and grow furthermore in Q3. One big factor that helped generate a surge of interest from buyers was the stamp duty holiday announcement which fell at the very beginning of the quarter on July 8th. Since then, without…

Holiday let versus buy-to-let – what’s the difference?

Looking to invest in an additional property but unsure on the difference between a holiday let (short let) versus buy-to-let? A second property can yield a good financial return but both have pros and cons. Here we breakdown what the difference is and things to consider when going down either route. Holiday Let Typically associated…

The pros and cons of moving to the countryside

An outcome of COVID-19 has been a reported surge in house buyers wanting to move to a rural, countryside location. Clearly, there are benefits to moving to a countryside location including more open space, fresh unpolluted air, and sometimes, depending on the location, you can get more bang for your buck. However, swapping the hustle…

The difference between fixtures and fittings (chattels)

Sometimes it’s the simple things that cause the most confusion and we understand that not everything in the conveyancing world is black and white. Therefore, we hope this guide helps to differentiate between what exactly are fixtures and fittings when you, the vendor, have to fill out this particular form with all the initial paperwork…

Housing Market Analysis: Q2 2020

In December 2019, the year 2020 was pinned to be a new decade of fresh beginnings. The UK had voted for a Conservative government and Brexit was formally put on a 12-month countdown. Fast-forward to March 2020 and the outlook was totally different. The global pandemic finally took hold and the UK was officially in…

The Introduction Of Electronic Signatures By HM Land Registry

As with most industries, conveying has, over the years, made big strides to move with the times and adapt to people’s wants and needs. Yet, it remains that some practices still seem frustratingly out of date and laborious to house buyers and sellers. Thankfully a recent announcement by HM Land Registry could see a big…

Help To Buy: Equity Loan Extension

Over the years the government has announced various schemes to help both first-time buyers and previous homeowners to buy again in a bid to make homeownership more affordable. From Help To Buy: ISA to Help To Buy: Equity Loan there are various ways in which house buyers can climb the property ladder. More recently, in…

The March 2020 Budget: Housing Analysis

It’s fair to say that the current economic turmoil caused by the Coronavirus, COVID:19, has overshadowed a lot of the run-up to the March budget. Experts had, for some time, been hotly predicting what Chancellor Rishi Sunak would deliver based on the Conservative’s winning manifesto. However, before the Chancellor had a chance to make the…

Mortgage Payment Protection

Mortgage Payment Protection If you found yourself unable to work due to an illness, injury or redundancy, chances are you’d struggle to make your monthly mortgage payments. If you have mortgage payment protection in place, you won’t lose the roof over your head if the worst happened. Mortgage Payment Protection Insurance (MPPI) is a policy…

Guiding you through your remortgage

Your Remortgage – guiding you through the process. Confused about how a remortgage works? We know moving to a new mortgage lender can be a daunting prospect, especially if you’ve not done it for a while or in fact ever! We understand that and want to help reassure you that it needn’t be as scary…

Remortgaging – how long does it take?

Are you unsure about the remortgage process? Do you have questions about how quickly things happen? This article will clear up any confusion, answer some of the most frequently asked questions about remortgage timescales and provide advice about how you can help speed up the process. How long does the process take? Some of the…

Completing your Remortgage Questionnaire

Have you received your remortgage questionnaire and don’t know where to start? Do you need some help from us so that you can complete it? This article will talk you through why the questionnaire is important and what information we need. Why do I need to complete the questionnaire, I have already given this information…

Should you remortgage?

Should you remortgage? Taking out a new mortgage on a property you already own is known as remortgaging. Why should you remortgage? There are plenty of good reasons to take this step – and several good reasons why it might not be the best idea for you. If you’re thinking of remortgaging, check out our…

What is equity release?

Equity release: The fastest growing sector in the mortgage market What is equity release? Equity release provides homeowners over the age of 55 with the option to release money from their home. They can continue to live in the property whilst supplementing their income without necessarily having to commit to any monthly repayments. A lifetime…

Completing your Mortgage Deed

Questions about your mortgage deed? Not sure how to complete the deed correctly? Reading this article will set your mind at ease and guide you successfully through this process. What is the Mortgage Deed? This can sometimes be known as the legal charge form. Your mortgage deed is usually a 1 or 2 page document…

Understanding your Transfer of Equity

Confused about what a Transfer of Equity is? Unsure about what happens and what you need to do? This article will help you understand this process in more detail. What is a Transfer of Equity or Transfer of Title? A Transfer of Equity or Transfer of Title is when someone is added or removed from ownership…

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Moving home – what are the current guidelines during the COVID-19 pandemic

As the COVID-19 pandemic continues the UK has been through many changes since the initial lockdown was imposed at the end of March. This may leave you wondering what the current rules are on buying/selling a property, including visiting estate agents, house viewings and instructing tradespeople to quote on prospective work. Here, we have pulled…

The Introduction Of Electronic Signatures By HM Land Registry

As with most industries, conveying has, over the years, made big strides to move with the times and adapt to people’s wants and needs. Yet, it remains that some practices still seem frustratingly out of date and laborious to house buyers and sellers. Thankfully a recent announcement by HM Land Registry could see a big…

Your Top Conveyancing Questions Answered

As the UK’s biggest direct conveyancing firm we often are faced with many queries about our services and conveyancing in general. Therefore, we’ve pulled together our handy guide to break down the most frequently asked questions to bust any myths surrounding the property buying and selling process. What does conveyancer mean? A conveyancer is a…

Mini Budget, Housing Market Analysis – July 2020

As part of the Chancellor’s ‘mini-budget’ announcements, there were two housing-related points raised in a bid to help a housing-led economic recovery. First of all – SDLT (Stamp Duty Land Tax) Stamp duty is the tax paid on purchasing properties or land and more specifically this applies to those properties in England and Northern Ireland….

How have the logistics changed in conveyancing since COVID-19

The housing market, like most industries, has gone through the rigmarole since COVID-19 in adapting how it operates to abide by the latest government regulations. This has not only affected estate agents, mortgage lenders but the conveyancing process too. If you’re about the begin the journey of buying and/or selling a property take a look…

Conveyancing fees explained

A lot of property buyers, if not already, become sticklers for detail when they embark on their journey to homeownership and for good reason. Having a detailed understanding of your outgoings and the costs involved can make a large amount of money being spent on a home seem less overwhelming. From your deposit to a…

Conveyancing searches (Property searches) part 2

As we previously discussed in our first conveyancing searches article there are several searches your licensed conveyancer will undertake in their preliminary research on the property you’re purchasing. While these can uncover a great deal of information about the property, your conveyancer may recommend additional searches to check against any unseen risks against the property….

Conveyancing searches (property searches)

When it comes to buying a property, before you exchange on it and therefore are legally bound to complete the transaction, your licensed conveyancer will endeavour to find out as much about it as possible. These enquiries are known as ‘searches’ and will hopefully paint a picture about the property itself, the land it lays…

DIY Conveyancing

Moving home is a huge financial expense and many buyers and sellers will do their due diligence to look at all the associated costs to try and find ways in which they can save money on their move. While many wouldn’t consider taking on the legal transfer of ownership of a property themselves – for…

Moving home – what are the current guidelines during the COVID-19 pandemic

As the COVID-19 pandemic continues the UK has been through many changes since the initial lockdown was imposed at the end of March. This may leave you wondering what the current rules are on buying/selling a property, including visiting estate agents, house viewings and instructing tradespeople to quote on prospective work. Here, we have pulled…

The pros and cons of moving to the countryside

An outcome of COVID-19 has been a reported surge in house buyers wanting to move to a rural, countryside location. Clearly, there are benefits to moving to a countryside location including more open space, fresh unpolluted air, and sometimes, depending on the location, you can get more bang for your buck. However, swapping the hustle…

The difference between fixtures and fittings (chattels)

Sometimes it’s the simple things that cause the most confusion and we understand that not everything in the conveyancing world is black and white. Therefore, we hope this guide helps to differentiate between what exactly are fixtures and fittings when you, the vendor, have to fill out this particular form with all the initial paperwork…

Help To Buy: Equity Loan Extension

Over the years the government has announced various schemes to help both first-time buyers and previous homeowners to buy again in a bid to make homeownership more affordable. From Help To Buy: ISA to Help To Buy: Equity Loan there are various ways in which house buyers can climb the property ladder. More recently, in…

Your Top Conveyancing Questions Answered

As the UK’s biggest direct conveyancing firm we often are faced with many queries about our services and conveyancing in general. Therefore, we’ve pulled together our handy guide to break down the most frequently asked questions to bust any myths surrounding the property buying and selling process. What does conveyancer mean? A conveyancer is a…

Post lockdown trend analysis

Since May 13th 2020 the housing market has quickly jumped back onto its feet to reassert itself as an economic driving force to help the UK in its recovery strategy. While lockdown made the process of buying and/or selling a property very difficult there have been some developments in the wake of the pandemic which…

Moving home checklist for property buyers

When stepping on to the moving home ladder there will be a lot of people on-hand to help you along this journey. While your conveyancing solicitor will do the majority of the management of your property transaction there will be times when you will solely be responsible for ‘making things happen’. Take a look at…

When to instruct a conveyancer

The purchase and sale of a property is very much a case of spinning lots of plates and it can feel overwhelming at times. There’s no clear cut road map at which point you have to do something but having a basic understanding of the various milestones along the journey will help keep things on…

New guidelines for property moves during the COVID-19 outbreak

As with most industries, the property market has succumbed to the effects of COVID-19 and has recently had new guidance put in place to protect all parties involved. To help you understand what that means check out our guide right here. The main take-home advice is that there is no need to pull out of…

What is a conveyancer?

What is a conveyancer? Confused about what is meant by the term ‘Conveyancer’? “Conveyancing” is the term used to describe the area of law which deals with the legal process of the transfer of property. Put simply then, a “Conveyancer” is a legal representative who carries out this service on behalf of customers who are…

Right to buy: Am I eligible?

The Right to Buy scheme is a fantastic way to purchase your first home. However, if you are new to the property ladder, you may not be aware of what makes you eligible to qualify for Right to Buy discounts. In May 2015, the eligibility rules for Right to Buy changed; occupants now only need…

What kind of survey do you need?

What kind of survey do you need? Having a property survey done is one of the most important steps on the journey to homeownership. Your home is probably the biggest purchase you’ll ever make, so you’ll want to know in advance if there are any underlying issues. After all, you don’t want to risk any…

Prices you continue to pay after you’ve bought

If you’ve decided to purchase your council-owned property and want to take advantage of the Right to Buy government scheme, this will help you to own your own home at a reduced price. However, there are still a variety of ongoing costs that you, as a homeowner, will be required to pay after you have…

Possible complications to prepare for with Right to Buy

The Right to Buy scheme gives council tenants the option of owning their own home at a greatly reduced rate, helping thousands of people to get on the property ladder. Nonetheless, like any major decision, there are potential complications that you should be prepared for with Right to Buy. We at Enact have put together…

What is Right to Buy?

The Right to Buy scheme has been helping council tenants own their own homes for nearly 40 years. Introduced in 1980, the Right to Buy scheme assists those who live in properties owned by the council to purchase their home for a reduced rate, discounted by up to £78,600 for properties outside of London. For…

The £5,000 green homes voucher explained

As part of the government’s ‘mini-budget’ back in July, it announced that it was offing £2bn to households in England to make energy-saving improvements as part of its ‘Green Homes Grant’. The scheme, which officially launched at the end of September, could mean households receive up to £5,000 in vouchers towards their energy-saving improvements. Yet,…

Moving home – what are the current guidelines during the COVID-19 pandemic

As the COVID-19 pandemic continues the UK has been through many changes since the initial lockdown was imposed at the end of March. This may leave you wondering what the current rules are on buying/selling a property, including visiting estate agents, house viewings and instructing tradespeople to quote on prospective work. Here, we have pulled…

The difference between fixtures and fittings (chattels)

Sometimes it’s the simple things that cause the most confusion and we understand that not everything in the conveyancing world is black and white. Therefore, we hope this guide helps to differentiate between what exactly are fixtures and fittings when you, the vendor, have to fill out this particular form with all the initial paperwork…

The Introduction Of Electronic Signatures By HM Land Registry

As with most industries, conveying has, over the years, made big strides to move with the times and adapt to people’s wants and needs. Yet, it remains that some practices still seem frustratingly out of date and laborious to house buyers and sellers. Thankfully a recent announcement by HM Land Registry could see a big…

Help To Buy: Equity Loan Extension

Over the years the government has announced various schemes to help both first-time buyers and previous homeowners to buy again in a bid to make homeownership more affordable. From Help To Buy: ISA to Help To Buy: Equity Loan there are various ways in which house buyers can climb the property ladder. More recently, in…

Your Top Conveyancing Questions Answered

As the UK’s biggest direct conveyancing firm we often are faced with many queries about our services and conveyancing in general. Therefore, we’ve pulled together our handy guide to break down the most frequently asked questions to bust any myths surrounding the property buying and selling process. What does conveyancer mean? A conveyancer is a…

Mini Budget, Housing Market Analysis – July 2020

As part of the Chancellor’s ‘mini-budget’ announcements, there were two housing-related points raised in a bid to help a housing-led economic recovery. First of all – SDLT (Stamp Duty Land Tax) Stamp duty is the tax paid on purchasing properties or land and more specifically this applies to those properties in England and Northern Ireland….

How have the logistics changed in conveyancing since COVID-19

The housing market, like most industries, has gone through the rigmarole since COVID-19 in adapting how it operates to abide by the latest government regulations. This has not only affected estate agents, mortgage lenders but the conveyancing process too. If you’re about the begin the journey of buying and/or selling a property take a look…

Moving home checklist for property buyers

When stepping on to the moving home ladder there will be a lot of people on-hand to help you along this journey. While your conveyancing solicitor will do the majority of the management of your property transaction there will be times when you will solely be responsible for ‘making things happen’. Take a look at…

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