Other Services
Mortgages
When moving home you will have enough going on to occupy your mind without the additional stress of trying to find the right Financial Advisor to arrange your new mortgage. That’s why here at BLP we are also able to provide personalised mortgage advice tailored to suit your own requirements. Whether you’re a first time buyer or an existing homeowner looking for your next property purchase, we can help.
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Conveyancing
Once you have decided to either buy or sell a property you will require a solicitor to act on your behalf. BLP can recommend local solicitors with whom we have built up good working relationships over the years to provide you with a friendly and professional service at competitively priced fees.
‘For your new property purchase you may also be required to pay stamp duty. Check below to see if this effects you.’
| Stamp Duty | |
| Purchase Price | Rate |
| Up to £175,000 (Until 31 December 2009) | Zero |
| >£125000<£250000 | 1% |
| >£250000<£500000 | 3% |
| >£500000 | 4% |
HIP’s
With only a few exceptions, the owner of any property offered for sale in England & Wales must have ordered a Home Information Pack (HIP).
The HIP includes an Energy Performance Certificate (EPC), containing advice on how to cut carbon emissions and fuel bills. Also included are documents such as a sale statement, searches and evidence of title.
The following compulsory documents must be included in a HIP – Home Information Pack Index, Energy Performance Certificate, Sale Statement, Standard Searches, Evidence of Title and additional information for leasehold and commonhold sales, where appropriate. However when you list your property with BLP, there is no need to worry about HIP’s as we will arrange everything that’s needed. You can either pay in advance for your HIP or the payment can be deferred until your property is sold or up to 10 months in the unlikely event that your property doesn’t sell.
Insurance
Once you have purchased your property there will be a range of insurance products that you should consider taking out. These include Life Insurance, Buildings & Contents Insurance, Critical Illness Insurance, Accident Sickness & Unemployment Cover and Mortgage Payment Protection to name a few. Here at BLP we are able to provide you with all of these insurance products, recommending the most suitable based on your individual requirements.
