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Happy New Year to you! Thinking about the year ahead?

As we step into a New Year, it can be a time of reflection. After
celebrating and spending time with family over Christmas, you might be
thinking about what the future will hold.

Should your New Years Resolution be to get your affairs in order?

Regardless of your age, planning ahead and putting your wishes in place will
provide peace of mind for you and your loved ones. That will certainly lift
those January blues, when the highs of Christmas are over. Creating a Will
or a Power of Attorney may seem like an odd way to shake away the January
blues, but you could be ensuring the future of your loved ones – whatever
your wishes, will be granted.

Could 2018 be the year that you buy your dream home?

Maybe you’ve been thinking of moving house and 2018 might be
the year to take action. Once you find that perfect property, we can
certainly help you with the legal side of things. Our specialist,
Conveyancing team will look after the legal (and sometimes stressful) side
of your move. We work to get things moving for you, whilst you can get on
with packing your boxes and choosing your wallpaper! Our experienced and
award-winning Conveyancing team will manage everything from searches,
deposits and signing contracts, to Exchange and final Completion. Fidler &
Pepper have a dedicated team and we’ll keep you updated 24/7 with our
secure, online case tracker.

Need a helping hand or a chat with one of our team?

If you’d like to get your affairs in order or have plans to buy, sell or
remortgage your property then come and see one of our specialist team.
Alternatively, you can give us a call on 01623 45 11 11 or visit www.fidler.co.uk

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Beginners Guides, Case Tracker, Change solicitor, Contract, conveyancer, Conveyancing, Conveyancing Quote, DIY Conveyancing, Do your own conveyancing, First Time Buyers, Property, Property Market, property owner, Property Report, property searches, Quicker conveyancing, sale, searches, signing contracts    No Comments

House with key icon

So, your Conveyancer keeps twittering on about ‘exchanging’ and ‘completing’ but, what is exchange? What happens on completion?  Let’s face it all you want to know is when you get your keys right?  So what are we actually talking about?


When your Conveyancer talks about exchange they are referring to the legal ‘exchange of contracts’. In simple terms this procedure legally secures the purchase or sale. It is called an exchange because each Conveyancer has one signed copy of the contract which they exchange with each other. Both Conveyancers agree to the terms in the contract verbally over the phone and confirm the date of legal completion. Your Conveyancer is legally obliged to send to the sellers Conveyancer your 10% deposit at this stage, although in practice this rarely happens and is just held by your Conveyancers on a promise it will be sent with the rest of the purchase monies on completion. Your Conveyancer may call you to get your verbal authority to exchange for you on the day and afterwards you will need to make sure that your buildings insurance for your new property is in place from the date you move in. Make sure that you are absolutely sure before you exchange contracts as if you fail to ‘complete’ after you have exchanged contracts you will lose your 10% deposit.


This is the day you have been waiting for. It’s the day you get your keys. On the day of completion (or generally the day before) your Conveyancer will have received the money from your lender if you are having a mortgage and will send this money plus any other money due from you to your seller’s Conveyancers by way of a telegraphic bank transfer. This transfer can take anything from a few minutes to a few hours to reach the seller’s Conveyancers bank account. Once they have received the money then completion is deemed to have taken place and usually keys can be released to you at your estate agent, or from the seller directly, soon after. However the contract will often state that the sellers can take until 2pm to move out and arrange for a key hand over if they need more time.

The final part…

While you’re unpacking we carry on working on your file and will pay stamp duty and then apply to the Land Registry to transfer the property in your name. It might be a few weeks until you hear from us again when we send you the deeds to your new home.

Need help with your conveyancing?

If you would like a conveyancing quote, more information or to see our frequently asked questions then please visit our website or call 01623 45 11 11 and speak to one of our experienced team.

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Good Leasehold title, Lease, leasehold, Leasehold Conveyancing Quote, Property Market, purchase, Quicker conveyancing, sale, Service Charge    No Comments

flat block


Owning the freehold means that you own the land and the building on the land.

If you own a leasehold property the land is owned by the freeholder known as the landlord and the leaseholder, the tenant, owns the property the term of the lease. When if the lease expires, the property returned back to the ownership of the landlord.

Leasehold properties are common and are very useful when you need to have rules in place regarding the management of common areas, say a block of flats, as the leaseholders will each own their flat but the landlord will continue to own the structure and the common parts such as the staircases, the gardens, parking areas etc  and each of the leaseholders will generally be required to pay towards the upkeep of such.

If you are planning to buy or sell a leasehold property please contact our specialist leasehold team as they would be happy to provide you with a fixed fee quote.

Christie Limb







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I have blogged about this previously and focused on the difference between the misery peddled by the Press and the reality at the coal face.

I have two more titbits to share:

A national search provider told me in a meeting that his figures are up by 27% compared with this time last year. Again this is people purchasing and paying cold hard cash for their searches.

The second thing is that we have a meeting booked this week to discuss how we plan to grow our operation in terms of staff.

We haven’t had meetings like that since 2007.

Other competitors I talk to are looking to recruit as well

The increase of transactions going through this year has been steady and serviceable but the growth has been month on month and conveyancing businesses need to look at their pipeline and maintain the critical point of delivering and achieving quality service.

Happy house hunting



For conveyancing quote please click here

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In most business sales, the price agreed for the transaction will state £x plus stock at valuation. Other assets such as property, goodwill and plant and machinery will have an agreed value attached to them, but stock levels will vary and therefore generally they are valued on or around the date of completion. Sometimes the stock price is agreed in advance but the parties need to be careful of this approach as at the time of completion the value previously agreed might not correctly reflect the value of the stock on completion.


Stock in a retail business will mean the value of the items to be sold on. In the service sector stock will mean work in progress. In the manufacturing sector it becomes more complicated as it incorporates the raw materials, the items half way through the manufacturing process (work in progress) and also the completed product.


The best way to resolve the stock valuation is for an expert to value the stock on completion and for the parties to accept the expert’s decision as binding. The expert will charge for his involvement. Other ways of resolving stock would be for the parties to meet up on the day of completion and agree a value but they might not be experts in the field and as such may value incorrectly.


The stock valuation needs to be undertaken as soon as possible after completion.


If you are buying or selling a business and need a solicitor to assist with the transaction please contact climb@fidler.co.uk.


Christie Limb




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Recent statistics would suggest that older couples and individuals are under-utilising their larger properties and it is estimated that there are 25 million unused bedrooms in England with 37% of homes are under occupied.

It would seem therefore that older people are holding on to properties that are greater than their physical needs. It has been suggested that older people be offered stamp duty free downward move coupled with penalty council taxes for under occupation to encourage larger properties to be put on the market. Whether such a scheme is adopted remains to be seen however.

Whether this suggestion is realistic or not, it does touch upon the issue that quite often older people find themselves in a home which they have raised a family in and are quite comfortable living in. Why should they want to move?

Quite often it is because they have to release equity from the property to fund their older age and cope with the every increasing cost of living. One way to do this is through an equity release scheme. This is a scheme whereby a lender loans money to an individual, which is secured against the property. They charge interest on this amount but it generally only becomes payable upon the death of the borrower. We are certainly seeing more of these schemes coming through the Fidler & Pepper doors.

If you are considering such a scheme or have been approached and want to speak to a solicitor regarding specific aspects of the scheme or are considering selling your property and want advice in relation to this then please drop me a line to discuss this further on either wjames@fidler.co.uk or 01623451111.  


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It used to be quite rare that we would be asked this question – people may have lost faith or confidence in their conveyancer and want to change to us part way through the transaction. Unless something serious has gone wrong the normal advice would have been to stick it out with the old conveyancer.

However in the last year a few conveyancers have gone bust, and in such circumstances the whole thing becomes far more worrying, and you may feel that you want change conveyancers. Normally the Solicitors Regulation Authority will step in and appoint someone else to take over the existing files – however there is every chance that the people appointed to do this may not be specialist conveyancers and/or may be swamped by the volume of files they have to take over.

So how easy is it to change conveyancers and can you do it? The short answer is that it’s pretty painless and yes, you can do it. However there are one or two ‘gotchas’ that you need to be aware of

1. You can always change your solicitor – you should always have a free choice of which solicitor to use and for a solicitor to take work when they know the choice has been restricted means the solicitor is potentially breaching the Solicitors code of conduct – bad news!

2. You have the right to get your existing solicitor to send your file of papers to whichever firm you want – the file of papers belongs to you.

3. The solicitor you’re leaving does however have the right to be paid before they release your file (this is known as having a ‘lien’ on your file). How much they need to be paid will depend on the terms you agreed with them at the start – if they were offering a no sale, no fee deal (as we do) then you shouldn’t have to pay anything. If there was going to be a charge for work that didn’t carry on to completion then you will probably have to pay this to move your case. Details of this should have been agreed with you by your solicitor at the outset.

4. In a conveyancing purchase matter the conveyancer normally also acts for the mortgage company as well – so if you’re changing solicitors then the new solicitors will have to do this as well. What this means in practice is that you tell you mortgage company you’ve changed and they then send out a new mortgage offer to your new solicitor. This can normally happen quite quickly as it’s basically changing a name on their records as opposed to having to change the whole mortgage offer. Your new solicitor won’t be able to exchange contracts until the new offer has been issued.

5. In a conveyancing sale matter there isn’t normally a problem as the title deeds master copies are held at the Land registry. In certain cases however (and here we’re generally talking about cases where the property was bought ages ago – many years ago) the conveyancer may have obtained the title deeds from the mortgage company – they will be holding these on an undertaking (a formal promise) not to let anyone else have them unless the mortgage is paid off – this would normally mean that the deeds would have to be sent back to the mortgage company to be re-sent out to the new solicitor. Even if this applies, if the property has been registered with the Land Registry then your new solicitor will be able to get official copies of the deeds straight away anyway.

6. How your new solicitor handles the case depends really on how far the case has moved forward – if it’s only just started up then the old file won’t be much help and it will probably be a good idea to just treat it as a normal new case; if it’s well advanced and/or there are specific conveyancing issues that are in the process of being dealt with then really they’ll need to see the old file before they can make any significant progress. For this reason if you’ve decided to make the switch it’s a good idea to make sure your old solicitor sends the papers on as soon as possible.

7. Once you’ve decided to make the new move it’s a good idea to let everyone else involved in the transaction know about it – your estate agent, your seller/buyer (so they can tell their solicitors) – to ensure that all letters go straight to the new solicitors.

8. If you’re already exchanged contracts then really you are better off not moving – you are legally bound to completing that sale or purchase – it’s all set in stone. The solicitor appointed by the Solicitors regulation Authority should be treating these cases as a priority and get them moved forward first.

That’s about it really. I hope this has been useful – if you have any questions about the process then please add a comment below. If you want to change solicitors to us then we’d be delighted to take your case on – you can email me about this at mslade@fidler.co.uk

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