|We handle all aspects of conveyancing offering an
efficient and speedy service at competitive fixed fee rates.
We work closely with estate agents, financial advisors and
mortgage lenders to ensure that the process goes as smoothly
as possible for you the client. No obligation quotations
Buying / Selling
This is for many people the most stressful thing they
will ever undertake. Glover & King can help take the stress
out of the house move for you. We are members of the Law
Society's Home Charter Scheme which regulates conveyancing
standards for practitioners and helps assure that the most
exacting standards are applied to all transactions thereby
greatly reducing the occurrence of problems, or bringing same
to light early enough to avoid entering into a potentially
disastrous transaction. Please let your estate agent know that
you wish us to act on your behalf and thereafter we can get
started on the process for you.
This scheme is aimed specifically at first time buyers
and can, by means of partly mortgageing and partly renting,
bring many houses withing the financial reach of such buyers,
which would otherwise not be possible. Glover & King have been
dealing with Co Ownership transactions for many years, back to
a time when only limited numbers of legal firms were allowed to
do so. Gavan Holmes can offer you the benefit of over 20 years
experience in dealing with all aspects of housing transactions.
Re-mortgages are becoming increasingly popular with
clients as they seek to benefit from competitive mortgage
deals. Some lenders even contribute to legal expenses. We
can process your re-mortgage on your behalf.
Life Time or Equity Release Mortgages are also available
to clients for whom a traditional mortgage may not be available
due to advancing years. These products can help free up the
equity in your home and can be used to fund a variety of
It is often said that people are "asset rich and cash
poor" meaning that the majority of their net worth is tied up
in their house.
Once the traditional mortgage is no longer an option, in
most cases because of age or retirement, then an equity release
mortgage can present a possible way of raising funds.
Essentially, this is a mortgage which only becomes
repayable once you or your spouse die or sell your house.
Interest accrues during that period, and for that reason
equity release is frequently capped at a figure in the region
of 25% to 50% of the value of the property. Many people are
glad to use this as a means of generating extra funds to help
with retirement for example.
Gavan Holmes is widely recognised as one of Northern
Ireland's foremost authorities on the subject of equity release
and would be glad to assist with any queries you would have
about the legal process.
Landlord and Tenant
We represent both Landlords and Tenants and can provide
advice in relation to the creation of Tenancy arrangements for you.
Buy to Let
If you are new to the buy to let market, contact
Gavan Holmes who will guide you during the purchase and also
regarding the obligations facing landlords now in relation to
the Landlord Registration and Tenancy Deposit schemes recently
introduced by government. As an investment property is also
a means of generating income as well as potential capital
growth, there are can obviously be tax implications and we would
recommend that you also consult an accountant or tax advisor
for information on these issues.