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New office for Fidler & Pepper    No Comments

We’re expanding and opening up an additional office on Regent Street in Mansfield. The prominent three-storey building will become home to a number of our support functions, the Remortgage department and members of our Private Client department. This expansion will help to make us one of the best in the business for Conveyancing and individual services, such as Wills, Trusts, Powers of Attorney and Probate.

Once our new premises are refurbished, meetings and appointments with clients in Mansfield will take place at the new Regent Street offices, which will have a great new reception area to greet clients, and has easily accessible rooms for confidential meetings.

It is expected that the refurbishment works will be complete by the end of the Summer.

Our CEO Mark Slade, said: “It’s really exciting times for Fidler & Pepper, which is continuing to grow its services and take on new staff. We’re really pleased that we’re becoming known as an employer of choice in our local area. Whilst we have a lot of clients from across the UK, we’re continuing to support a lot of people from Mansfield, just as we have since we were founded back in 1888. The technology and laws have changed since then, but we’re still proud to deliver a friendly, caring and professional service.”

When our new office is open, some of our staff at Fidler & Pepper will continue working at its current Queen Street premises in Mansfield, with client meetings taking place at Regent Street in Mansfield and continuing at the Low Street office in Sutton in Ashfield.

For more about our services click here.

 

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Wills    No Comments

Make your Will in July for just £99!*

One of the most important things you can do is to create a Will, but not many people get around to doing it. Maybe now is the time?

During the whole of July our price for a single Will is £99 and a pair of Wills is £139 (Plus VAT). To compare, our usual prices are £115 for a single Will and £160 for a pair of Wills (Plus VAT). Our discounted service is being offered to encourage everyone to get their Wills written by the professionals.

You can be certain with Fidler & Pepper (even with our discounted price!) that you will receive the same high level of customer care and expert advice.

Peace of mind for you and your family

We believe everyone should have a Will as it provides peace of mind for you and your family. We find a lot of people contemplate getting a Will but are put off because they think it will be too expensive or too complicated.

A Will allows you to decide what happens to your assets and estate should anything happen to you. No one likes to think about it, but we recommend that you spend time thinking about what you want to put in your Will.

Our Richard Howard, one of our Directors who heads up the Private Client department here says “Dying without a Will in place could prove costlier, as could having a Will that is not written by a professional. For the same price as a night out or a nice outfit, people could have peace of mind and that could be invaluable.”

Wills, Trusts, Power of Attorney, Care Fees advice and Probate specialists at Fidler & Pepper Lawyers help hundreds of people every year with their expert knowledge.

Get in touch – we can help 

Simply email Wills@fidler.co.uk for information, or call 01623 45 11 11  to make an appointment.

*This offer is for one Will per person and is only available in July 2019. The price is plus VAT.

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Apprenticeships, conveyancer, Conveyancing, Conveyancing Quote, employees, young people    No Comments

Corey Else began his career as an apprentice at Fidler & Pepper Lawyers. So how has it been so far, and would he recommend apprenticeships for everyone?

I chose an apprenticeship over college because I knew I didn’t want to be stuck behind a desk for another two to four years. I wanted something more proactive where I could also be earning a wage. After finishing school, the idea of then going on to college just wasn’t something that interested me.

I originally wanted an apprenticeship in Business Admin but then I came across Fidler & Pepper, and even though I wasn’t looking for an apprenticeship in the legal sector, I fell on my feet as I now love what I do. The firm has a good local reputation so I was excited to be considered and then just had so many opportunities to learn and develop.

At Fidler & Pepper Lawyers you may start in office admin but can have the opportunity to work in Private Client, IT, Accounts, reception, or Conveyancing. In Conveyancing you could work in New Business, then transfer to support a team, then have your own caseload.

People think to do well in law you need a law degree but this isn’t the case and college/university isn’t for everyone so it’s great that you can work and learn and progress.

Fidler & Pepper is a very supportive firm, especially with their apprentices – ensuring that they receive the training and time to enable them to develop within their roles or move onto other roles.

We have one-to-one training, workshops, quizzes to support with training, group training sessions – all of which are equally important. Fidler & Pepper is a modern company that wants to grow its own staff and give people such great opportunities. We have flexi-time, fruit delivered, pizza days – in fact, it’s just a great place to work.

I worked in office admin as an apprentice and soon moved on to Post Completion – helping to set up a team. I then worked supporting teams learning all aspects of Conveyancing.  I then worked closely with a Fee Earner with my own caseload as an Assistant.

Since last December, I have had a caseload as a Trainee Fee Earner and am currently studying to become a Conveyancing Technician. Once qualified, in March, I will then go on to start my training to become a Licenced Conveyancer. My aim over time would be to be working with our biggest referrers and helping to develop our positive relationships with them.

I don’t know if an apprenticeship would suit everybody, but it has suited me. And I do know that if someone wants to progress well in their career, Fidler & Pepper genuinely provides a really good career path.

To find out about our current job opportunities, take a look at our current vacancies

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Beginners Guides, Contract, conveyancer, Conveyancing, Conveyancing Quote, First Time Buyers, help to buy, help to buy ISA    No Comments

The hugely successful Help to Buy Equity Loan Scheme has had a two year extension with a new and improved scheme announced to be in development 2021-2023.

The Chancellor, in his budget last week revealed that the scheme; which provides government loans of up to 20% equity to buyers of new build properties, has been extended for a further two year period until his new scheme is put in place in 2021.  Fidler and Pepper’s New build team can vouch for its popularity themselves with over half their transactions involving help to buy assistance. We are not surprised that the scheme is being continued as it has proved popular with first time buyers and existing home owners alike.  It also comes as no surprise that the proposed 2021 changes for the new scheme involve limiting the loans only to first time buyers, who under the current rules, could be being pushed out by existing home owners looking to upsize.

The new scheme will also address the north/south divide in terms of house pricing and effectively making sure the scheme is only used by those who will really benefit from it. The focus is on getting rid of the one size fits all limits currently in place by  introducing a regional cap based on location with London staying at  the £600,000 cap currently in place but the East Midlands (where our offices are based) reducing to just £261,900. Though let’s face it that’s still a pretty nice first house here in Mansfield!

Good ol’ Phil also announced a cut in stamp duty for first time buyers of shared ownership homes with a zero stamp duty payable on the first £300,000 on any shared ownership home that costs up to £500,000 with immediate effect, which brings this in line with the November 2017 changes for non-shared ownership properties.

The icing on this first time buyer layer cake? A promise to help fund a further 650,000 additional houses!

First time Buyers – rejoice!

Conveyancers – forget about that post-Christmas lull;  keep calm, carry on!

If you are looking for a competitive Conveyancing quote then simply visit our website for a quote in seconds or give us a call on 01623 45 11 11.

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conveyancer, Conveyancing, Conveyancing Quote, First Time Buyers, Lifetime ISA, LISA    No Comments

You might not have heard about the governments newest ISA scheme even though it’s been around since April 2017.

A Lifetime ISA or “LISA” is used for saving for “Lifetime Events” which include buying your first home.

The account itself attracts the standard tax free interest but in addition, you get you get a 25% government bonus on the money you save.

Here’s a quick Fidler & Pepper style round up of the scheme

It’s an 18-40s club

You have to be aged 18-39 to open a lifetime ISA, so if you’re old enough to remember life before mobile phones or you don’t know what Love Island is, then you probably need to get your skates on.

You don’t have to buy a house with it

If you decide not to buy a house, you can save the money for what the scheme deems as the only other “lifetime event” – retirement. So forget using it for marriage, children or a one in a lifetime trip to the Bahamas…

Don’t aim too high

If you’re lucky enough to be able to afford to buy a first home that costs more than £450,000 the scheme deems you too rich to take advantage of the scheme

 Double up!
You and you’re other half can both have Lifetime ISA accounts both benefitting from the bonus

There’s a limit

You can only save a maximum of £4,000 per year which would earn you a £1,000 bonus

 You can’t get at the money

If you withdraw any money from the account for any other reason besides your lifetime events you will incur huge penalties, so once it’s in, you need to forget it’s there – Out of sight out of mind!

There are conditions

The house must…

  • be in the UK
  • be the first home you own
  • be purchased with a mortgage (i.e. not cash)
  • cost £450,000 or less
  • be your main residence

and

  • The LISA account must have been open for at last 12 months

 

Our IT crowd have been busy updating all our internal systems to make cashing in your LISA a piece of cake so all you need to do it let us know you have an account and we will organise the rest!

If you’re looking for a competitive Conveyancing quote and an experienced team of people who are there to help (without the legal jargon) then simply give us a call on 01623 45 11 11 or to get a quote in seconds click here.

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Apprenticeships, Awards, young people    No Comments

It was a proud moment for us when we were recognised for our work with apprentices by winning the Apprentice Employer of the Year award last week at the Nottingham Post Business awards. We first started offering apprenticeships in 2002 and since then more than 20 people have successfully progressed through our  schemes.

 Mark Slade, our Managing Partner, said:  “This is such a proud moment for me, and for the firm as a whole. Growing our own team is part of who we are and why we continue to grow and progress as a firm. It’s not about ticking boxes or hitting targets; it’s about offering work-based learning to people who can make a difference.”

 “And make a difference they certainly do. We have people who have completed their apprenticeships and have gone on to more senior roles here at Fidler & Pepper. So, when we say this award is a team effort, we really mean it.”

Wendy Walker, our Conveyancing Operations Manager said: “We’re so proud of the amazing group of apprentices we have the pleasure to work with every single day. It’s so rewarding to watch local, young people follow a fantastic career path.”

One of our apprentices Lucy Cowe, a recent Apprentice of the Year winner, said: “An apprenticeship is perfect for me and I love working here. The award is brilliant news and well deserved.”

Recruiting, training and developing apprentices is at the heart of our ‘grow our own’ people development strategy and we are proud of the people we have working for us and how much they have developed. We will continue to support our staff and provide training opportunities as this supports our great people and makes business sense.

 

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Beginners Guides, Contract, conveyancer, Conveyancing, Conveyancing Quote, First Time Buyers, help to buy, help to buy ISA, ISA    No Comments

Matt Slade – Fidler & Pepper Partner and Head of Conveyancing.

Whilst we’re not the type of firm who likes to blow their own trumpet, we’re pleased to mark an important milestone as we complete our 2,000th purchase involving the innovative Help To Buy schemes!

We began acting for Help To Buy purchases in 2015, with Help To Buy ISAs being dealt with from February 2016.

Help to Buy is a Government-backed scheme that sees people being offered a loan up to 20 per cent of the cost of a newly-built home.

A Help to Buy ISA is a type of savings scheme that was created to help first-time buyers save for a deposit for their home. The government gives savers a helping hand to boost their savings in order to help them get onto the housing ladder.

Our Matt Slade, head of the Conveyancing department, said, “When it was first launched back in December 2015, it was an attractive scheme to prospective first time buyers. It effectively made saving for a deposit more attractive at a time when the tightening of lending criteria could have negatively affected the market, providing a necessary boost at just the right time. The take-up of the ISA accounts has steadily increased and it is fair to say that it has been a great way for people to get on the property ladder.”

There is a set of guidelines that govern how Help To Buy ISA schemes can be used

For instance, the government boosts savings by 25 per cent, and people can save up to £200 per month. The maximum bonus people can claim is £3,000, so to get the best bonus people would need to save £12,000. The house that people want to purchase using the scheme  must cost a maximum of £250,000 (or £450,000 in London).

You can still take advantage and benefit!

Help To Buy ISA schemes will end in November 2019, meaning that they are still available but you will have to move quickly to take advantage of them. If you’re interested in the Help To Buy Scheme and have any questions or you would like a Conveyancing quote then visit our website or call 01623 45 11 11.

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Apprenticeships, Careers, employees, vacancies, young people    No Comments

At Fidler & Pepper we focus on developing careers

We recruit, train and retain our staff as part of our ‘Grow Our Own’ people development strategy. Put simply, that means we like to recruit the very best staff and help them to grow and develop to meet their own career goals and to support our business goals. We have a structured development plan which allows members of our team to move up and across to other roles and this is supported by internal and external training and nationally recognised qualifications. We’re really pleased to say that we have a lot of staff that have joined us and are now progressing through the business.

We have a commitment to supporting apprenticeships

Over the years more than 30 of our staff have successfully completed apprenticeships gaining over 50 qualifications between them. Currently we have 8 apprentices across our business (Our wonderful apprentices are pictured above) working hard to support all of our departments.  Over the past couple of years we have had 4 apprentices who have been recognised as winners and finalists in various apprentice of the year awards. One of our current apprentices Lucy Cowe is a current finalist in both the CT Skills Made in the Midlands Apprentice of the Year award and the Mansfield and Ashfield 2020 Business awards. Fingers crossed for Lucy and thank you for your hard work!

We’re always on the look out for great people!

We offer a variety of roles from legal roles to business support roles and at Fidler & Pepper we aim to create a great place to work and provide training and development opportunities for our staff. Our staff development motto is Happy Staff = Happy clients as we know that happy staff provide a positive service to our clients, which makes clear business sense!

Check out our vacancies

If you’re interested in working for Fidler & Pepper then check out our current vacancies!  If you want to apply for a position with us then your C.V. needs to stand out. Below are some useful tips, particularly if this will be your first ever role – we understand it can be daunting, but these tips will help;

Use a simple C.V. format

Be specific, what are your skills and how do they suit the role?

Use examples; when have you solved problems? Managed a situation?

List your achievements – you should be proud of them, let people know!

Be truthful

Ensure you have the correct contact details listed

Another top tip is, if you have an outdated, or immature email e.g. spidermanrocks@gmail.com, change it to your name, e.g. peter.parker08@gmail.com

Always include a cover letter

We look forward to hearing from you

If you have any questions simply give us a call on 01623 45 11 11 or alternatively,  if you’re making an application for one of our current job roles then we look forward to hearing from you!

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Auctions, Beginners Guides, Boundary Disputes, Contract, conveyancer, Conveyancing, Conveyancing Quote, First Time Buyers, flipping, full structural survey, help to buy, help to buy ISA, Property Auctions, Property Market, property owner, Property Report, property searches, Quicker conveyancing, restrictive covenants, searches, signing contracts    No Comments

When we talk about ‘flipping’ we’re not talking abut pancakes! We mean buying a fixer-upper to do up and ‘flip’  (do it up and sell it at a higher price to make a profit) to boost your savings. But it’s important to remember that you have a lot to think about before you go ahead and buy a property to ‘flip’. There may be some obstacles in your way…

Do You Need Planning Consent?

If you’re planning to extend then you should check before you buy that you can get the planning consent you need for the work you want to do.  Often small extensions and conservatories don’t need planning consent, but if some extension works have already been done or your planned extension is large then you will still require planning consent from the Local Authority.  It’s always best to check this before entering into any Contract, especially if your purchase is based on being able to extend. You should also think about the costs of applying for planning consent.

If the property is a listed building, a conservation area or in an area where development rights have been restricted, then there may be even more hoops to jump through!

Building Regulations – Do You Know What Needs Sign Off?

Structural work to a property needs to comply with building regulations. There are costs of getting your plans approved from the Local Authority and extra costs for building inspectors to sign off the work once it’s completed. You’ll also need a Completion Certificate which legally confirms that building regulations rules have been complied with. As well as extensions you also need a building regulations certificate of compliance for electrical installation, gas installations, new double glazing, removals of chimney breast, removals of internal (supporting) walls and re-roofing.

What Are Restrictive Covenants? 

Even if you have the planning consent and the building regulations you need, you could still be prevented from extending or altering the property under a Restrictive Covenant. A Covenant is a legal promise in the Deeds to the property which can be enforced by a developer, a council or even owners of neighboring properties.  A Covenant can apply to modern or very old properties.

Covenants can prevent new owners making any changes to the property and owners can be sued for doing something that breaches it. It’s common for there to be a Covenant about adding a new building or extending or altering any existing building on the property without the consent of the original developer. Failure to apply for consent under the Covenant could result in the owners being taken to court, being forced to pay a fine, having to return the property to its original state or delays selling the property. Your Conveyancer who will be able to tell you whether there is any risk of breaching a Covenant in the property.

If You Have Questions About ‘Flipping’, Don’t Get In A Flap – Get In Touch 

If you’re a first time ‘flipper’ or are thinking of buying a property that have a Restrictive Covenant, then we can help you. Simply call 01623 45 11 11. For more about our Conveyancing services or an instant quote visit our website.

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Auctions, Case Tracker, Contract, conveyancer, Conveyancing, Conveyancing Quote, Do your own conveyancing, First Time Buyers, house buyers report and inspection, Property, Property Auctions, Property Market, property owner, Property Report, property searches, purchase, searches, Stamp duty, survey    No Comments

There are a great number of benefits to buying a property at auction such as a quick completion time and often the chance of getting a property at a very cheap price. However, it’s essential that you think carefully about what will happen when buying an auction property. Make sure that you go in with all of the information you need and above all don’t get caught up in the excitement of the auction house!

There’s a lot of things to think about – make sure you do your homework!

Have you seen the property?

Don’t be tempted to make a purchase on a whim if it seems like a bargain. It is so important to view the property first and to also obtain a survey on the house to establish if there are any structural issues which could affect value or your ability to get a mortgage. There could also be a tenant occupying the property which may complicate matters for you, or the property could be located in an area which may make it difficult to sell or rent. Doing your homework first will help you to avoid problems later on.

Do you have the money?

If you succeed at the auction you will need to exchange contracts immediately and pay a deposit there and then. This is usually 10 per cent of the price of the property. You will also be required to complete the purchase within a time limit, usually around 4 weeks from the date of the auction. Once you have exchanged contacts, you are legally bound to buy the property and if you don’t complete within the stipulated period, you may lose your deposit. Be sure you have all your funds available and if you are buying with a mortgage, that you have at least your mortgage in principal in place before you attend the auction. A delay on any of your funds prove a costly mistake.

Have you read the legal pack and spoken to a specialist Conveyancer?

Each property at auction has a legal pack and this contains all the information you would obtain through your solicitor when completing the purchase of a property through the usual channels. You should obtain the legal pack before the auction and ask your Conveyancer to review it for you so they can highlight any difficult areas. This could include title issues and items revealed in the searches which may affect the value of the property and often small print which makes you responsible for the seller’s legal fees or other costs. Being aware of these issues before bidding on a property is critical!

If you want to go ahead – your Solicitor will contact the auctioneers to get the legal pack and give you a report on the contents for a fixed fee. If you then are successful at auction can be deducted from the full legal fee for purchasing of the property.

Get in touch – we’re here to help

If you are interested in purchasing a property at auction and want some legal advice simply call us on 01623 45 11 11 for further information and an instant quote.

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