Move Planning
When you instruct JS Law to act on your behalf for your conveyancing, we will assign
you one of our dedicated Move Planners to be your specific contact to answer any
questions you have, keep you updated on the progress of your conveyancing instruction.
Our Move Planners are also avalailable to offer additional advice on the following
areas:
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Home Surveys -
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Our survey and Valuation services are provided by a national network of independent
Chartered Surveyors and RICS Registered Valuers...
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VALUATION REPORT
This is a limited inspection of a property similar to the report required by banks
and building societies to assess the suitability of the property for secured lending
purposes. It deals with the value of the property in its present condition. It will
not report in detail on condition or disrepair unless either is so severe that they
may significantly affect the value or saleability. A valuation report is ideal if
you need guidance on the value of a property and confirmation as to whether you
are paying the right price. If you are concerned about the condition of the property,
this is not the report for you.
BUILDING SURVEY
Commonly referred to as a structural survey, this is our most comprehensive survey
product. This survey is particularly suited to large, old or unusual properties
and can be tailored to the needs of the client and type of building. The main features
are:
- Comprehensive Inspection
- Detailed Report
- Focus on structure and condition
- Technical analysis
- Schedule of maintenance and repair
- Emphasis on priority
- Photography
- Additional investigations can be incorporated within the report, such as testing
of service including drains, electrics, plumbing and heating.
RICS HOMEBUYER REPORT AND VALUATION
This is a survey in a standard report format developed by The Royal Institution
of Chartered Surveyors (RICS) and is used by most surveyors. It assists clients
to:
(i) Make an informed judgement on whether or not to proceed.
(ii) Decide whether or not the property is a reasonable purchase or agreed price.
(iii) Assess urgent and significant matters before exchanging contracts.
This is a mid range survey suitable for most property types that are in reasonable
condition and are built post 1900. It identified areas of concern but contains more
detailed advice about the cause of defects and the required repairs than contained
in the Property Condition Report and Valuation.
This is a mid range survey suitable for most property types that are in reasonable
condition and are built post 1900. It identified areas of concern but contains more
detailed advice about the cause of defects and the required repairs than contained
in the Property Condition Report and Valuation.
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Removals -
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Britannia Movers International offers a full range of removal and storage services...
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Moving is an important event in your life and we have partnered with JS Law to bring
you the best in service and price guaranteed. Britannia will ensure your move will
be as smooth and enjoyable as possible. As the biggest independent removal company
in the UK, and with a passion for quality service, Britannia has the resources and
the professionalism to tailor the move to your individual needs.
Here at Britannia we hold the British Association of Removers (BAR) to our accreditations
with BS EN Quality assured accreditations, right through to our International links
with IAM, FIDI and FAIM ISO; Britannia feels that all these associations are testimony
to our standing within the global moving market and offer all our customers peace
of mind that a move with Britannia is an unrivalled experience for all the right
reasons.
HOW CAN WE HELP
As the UK’s largest independent moving group. Britannia has helped tens of thousands
of families and individuals move home for over 30 years. Because we appreciate that
every single home is different, Britannia will take care to establish your exact
removal needs and to provide a service that is personal to you in every detail.
With more than 40 branch offices throughout the UK alone and we can guarantee a
local moving service wherever you are. We can even provide storage for you at your
intended destination while you look for a new property!
If you would like to find out further information about Britannia’s services or
alternatively if you would like to request for a free home survey of your personal
belongings then please contact your JS Law 'Moveplanner' who will be happy to assist
you.
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Financial Advice
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DeMontfort Professional Wealth Management LLP is a firm of Independent Financial
Advisers...
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providing advice to both individuals and companies on all aspects of financial planning,
through a long term approach of fully understanding our clients' needs, wants and
aspirations and then prioritising objectives.
DPWM provides independent financial planning advice for individuals as well as medium
sized companies and businesses. The Financial Advisers of the group work in association
with other professional advisers such as Accountants and Solicitors in order to
ensure that advice given by them suitably fulfils their client’s short, medium and
long term financial objectives. The Financial Advisers ensure they ‘Know their Clients’
and their financial circumstances prior to giving any advice by thorough fact-finding.
DeMontfort Professional Wealth Management provides impartial, independent advice
at all times. With over 200 years experience between them, the Partners and Advisers
have developed long standing relationships with their clients that has ensured the
continued success of DPWM. The Company is committed to staying ahead of both technology
and all legislative changes to ensure that they maintain a high profile and are
a major force in what is a rapidly changing Independent Financial Adviser sector
within the UK.
At DeMontfort, they believe that professional financial planning advice can add
significant value to individuals and businesses. That is why we recommend DeMontfort
to provide a comprehensive service designed to create real value for our clients
and help them achieve their financial objectives. As your partner in building wealth
and security DeMontfort focus on ways that we can help you to live the life that
you want to live. Choosing a financial partner is one of the most important decisions
you will ever make. Choose wisely and we hope that they can work with you to fulfil
your dreams.
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Energy - Click
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You may not have heard of The Utility Warehouse before. They don’t spend their customers’
money on expensive advertising campaigns...
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Instead, they rely on the best form of promotion there is - personal recommendation
from satisfied customers.
Joining the Utility Warehouse Discount Club means that you SAVE:
- Single bill for all your utilities
- Award-winning customer service
- Value that’s unbeatable
- Easy to switch
And with their ‘Double the Difference’ Price Promise, you can benefit from:
- The UK’s cheapest Home Phone
- The UK’s cheapest Home Phone and Broadband bundle
- The UK’s cheapest Mobile
- The UK’s cheapest standard Gas and Electricity
Utility Warehouse provides over 350,000 home and small businesses throughout the
UK with Home Phone, Mobiles, Broadband, Gas and Electricity.
The more services you take the more money you save, including being able to make
unlimited ‘Free Global Calls’. And there are many other benefits from being a member.
The Utility Warehouse unique ‘Triple Value’ guarantee means that you can enjoy peace
of mind on your energy bills.
Utility Warehouse are so confident that you will love what they can do for you that
there’s no minimum contract term for most of their services. You can try Utility
Warehouse risk-free!
Where do you want to start saving? Home Phone, Broadband, Mobiles, Gas and Electricity.
The Utility Warehouse is operated by Telecom Plus PLC.
If you would like to find out further information about the services offered by
The Utility Warehouse or alternatively if you would like to request for a free quotation
then please contact your JS Law 'Moveplanner' who will be happy to assist you.
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Telephone / Broadband
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You may not have heard of The Utility Warehouse before. They don’t spend their customers’
money on expensive advertising campaigns...
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Instead, they rely on the best form of promotion there is - personal recommendation
from satisfied customers.
Joining the Utility Warehouse Discount Club means that you SAVE:
- Single bill for all your utilities
- Award-winning customer service
- Value that’s unbeatable
- Easy to switch
And with their ‘Double the Difference’ Price Promise, you can benefit from:
- The UK’s cheapest Home Phone
- The UK’s cheapest Home Phone and Broadband bundle
- The UK’s cheapest Mobile
- The UK’s cheapest standard Gas and Electricity
Utility Warehouse provides over 350,000 home and small businesses throughout the
UK with Home Phone, Mobiles, Broadband, Gas and Electricity.
The more services you take the more money you save, including being able to make
unlimited ‘Free Global Calls’. And there are many other benefits from being a member.
The Utility Warehouse unique ‘Triple Value’ guarantee means that you can enjoy peace
of mind on your energy bills.
Utility Warehouse are so confident that you will love what they can do for you that
there’s no minimum contract term for most of their services. You can try Utility
Warehouse risk-free!
Where do you want to start saving? Home Phone, Broadband, Mobiles, Gas and Electricity.
The Utility Warehouse is operated by Telecom Plus PLC.
If you would like to find out further information about the services offered by
The Utility Warehouse or alternatively if you would like to request for a free quotation
then please contact your JS Law 'Moveplanner' who will be happy to assist you.
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Wills - Click
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Wills: Inheritance Tax (IHT) and Planning for Long Term Care. Changes announced
by the Chancellor in the 2007 pre-budget...
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report mean it is now easier for married couples and those in civil partnerships
to utilise both IHT allowances. If the first “spouse” to die leaves all of their
estate to the survivor, the survivor will now be able to leave up to £650,000.00
(tax year 2011/12) free of IHT by using their own allowance, and also any “unused”
allowance of the spouse who died first. Until 2007, this could only have been achieved
by preparing Wills incorporating a “Nil Rate Band Discretionary Trust”.
For unmarried couples however, the situation remains as before, and prudent planning
is needed within your Wills to avoid any unnecessary IHT, should the value of your
combined assets exceed £325,000.00.
For the majority therefore, the problem of IHT has been eased by the recent changes.
There remains though an issue of great concern to many– that being the possibility
of their house and other assets having to be sold to pay for any future Long Term
Care (LTC) needs. Consider the following:-
- Over 500,000 people are currently in nursing homes in England & Wales
- 5,000,000 people are receiving care at home from relatives or the local authority
- Over 40,000 houses are sold each year to pay the owners care bills
- The cost of just 1 year’s care could be anywhere between £40,000.00 to £50,000.00
depending on the level of accommodation.
Based on these figures, it is easy to see how the value of your estate could be
lost in just a few years spent in residential care.
So what can be done to avoid this? Firstly, any couple, married or not, should own
their house as Tenants in Common rather than as Joint Tenants. This will give to
each owner a specific 50% interest in the house.
There are then 2 options available in terms of possible protection:-
1) For a couple, whether married or not, and under the terms of their Wills, the
first spouse/partner to die, will place their share of the house in a Trust, normally
for the eventual benefit of their children. They will though, give to the surviving
spouse/partner, the right to live in the house for the rest of their life. Should
the survivor then require LTC, and they are assessed by the Local Authority as to
the extent of their own assets, they will only be assessed as owning 50% of the
house.
These Wills (known as Property Protection Trust Wills) will guarantee that 50% of
the value of the property can be protected from future LTC assessment BUT ONLY in
the situation where it is the surviving spouse/partner requiring the LTC. If both
spouses/partners require LTC, the Wills offer no protection whatsoever.
2) The second option available to both single and married/cohabiting clients is
to prepare Family Protection Trusts. Provided certain criteria are met, these Trusts,
created during your lifetime, are able to protect assets up the value of your IHT
allowance (£325,000 for a single client or £650,000 for married clients), from LTC
assessment. The Trust is created using a nominal £10, and you are then able to transfer
into your Trusts any assets that you wish to protect from future LTC assessment,
such as your residential property and any other monetary assets. During your lifetime
you are given unrestricted access to the Trust assets ensuring that if the funds
are needed by you they can be accessed at any time.
Both of these options have the ability of saving many thousands of pounds in LTC
fees, as well as preserving the IHT situation. The surviving spouse would still
be able to use both IHT allowances on their subsequent death.
If you would like to find out further information about Wills, Inheritance Tax (IHT)
or Planning for Long Term Care please contact your JS Law 'Moveplanner' who will
be happy to assist you.
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We are waiting for your email
PHONE US TODAY:
01858 411 580
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We know that we haven’t completed as yet however, we just wanted to say a big thank you for all that you have done for us so far. Especially all of the work that enabled us to exchange contracts last week. We know it cant be easy, especially when its your 1st week back from holiday! All this in addition to the efficient, professional service that we have received on every house sale/purchase that you have completed for us – Michelle & Matthew Gamble
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