Calling all first-time buyers!
28 Mar 2024
A new £5,000.00 deposit mortgage has been launched by Yorkshire Building Society, enabling homeowners to potentially borrow up to 99 per cent of the property value.
The new mortgage is aimed at first time buyers across England and Wales to secure a fee free mortgage offer with a £5,000.00 deposit to purchase a property valued at up to £500,000.00.
Are you on the brink of acquiring your dream home? Let Gard & Co be your trusted legal partner as you navigate the intricate process of securing a mortgage.
With Gard & Co, rest assured that your legal matters are in capable hands. Our seasoned team of conveyancers brings decades of experience in property law, ensuring a seamless and stress-free home buying experience for our clients.
Why Choose Gard & Co?
- No move no fee: If contracts are not exchanged for any reason then you do not pay the solicitor’s fee contained in our quotation. This could include where the other party pulls out or where a change in your circumstances or requirements makes it impossible for you to proceed. You will only have to pay any expenses (disbursements) incurred up to the point that your transaction falls through.
- 24/7 online estimate: We are so confident that you will not find a better price for the standard of service that we offer that our fees for conducting your conveyancing are accessible by all (including our competitors) from our website – simply visit gardandco.com/conveyancing with the basic information about your transaction(s) and get an instant estimate for our charges. We will be happy to confirm the estimate and deal with any further questions you have.
- Quick email quotations: Having spoken to you about the estimate you have received and confirmed the details we are happy to send you an email quotation immediately confirming the fees and other costs involved. Our email quotation also contains our instruction forms allowing you to complete them swiftly and return them to us, in order that we might start work without delay.
- Transparent fixed pricing: Our fees are hard to beat for a comparable service. We keep our quotations simple and there are no hidden charges. Our fee is fixed and would only be increased in circumstances where a lot more work than normal is required. Other firms charge additional fees, for example, for completing your stamp duty land tax return or for postage and telephone costs. We think this is confusing and misleading, so we only charge one fee. This keeps the bottom line of your quote as low as possible. When comparing fees always check the bottom line.
- Local conveyancers: We are not a national call centre. Many of the firms recommended by estate agents (particularly national chains of agents) are in locations hundreds of miles away. The work is conducted by teams and you will speak to a number of different individuals during the course of the transaction and may never get to speak to the person with ultimate conduct of your case, who can provide an accurate progress report.
- Dedicated Staff: At Gard & Co you have a dedicated full time conveyancer and assistant who will carry out the work for you. They can be contacted by direct dial phone or email and will always be happy to arrange a face to face meeting with you to help with any questions you have. Contract documents are normally signed in a meeting at our offices so that we can ensure that you are completely happy. We also give you a service promise in which we set high standards for return of phone calls or replying to emails.
- Recognised Specialist Conveyancers: Gard & Co are members of the Law Society’s Conveyancing Quality Scheme (CQS). This means that we have undergone rigorous assessment to prove that our staff and systems are of the highest standard. Membership of CQS is becoming increasingly a requirement of lenders. Since it is most likely that we shall be able to act for your lender at the same time as we act for you this means that there will be no additional solicitors needed and you will avoid additional red tape and fees.
- First class communications: Because we have computer literate conveyancers and the latest technology we are able to offer a responsive email-centred service where all appropriate parties are copied in on correspondence relating to developments in and the progress of your conveyance. The benefit to you is that through good and careful communication there is less chance of misunderstandings and more chance of your transaction proceeding smoothly and completing in accordance with the agreed timetable.
- Plain English: Lawyers are renowned for using long words and strange Latin phrases. Not at Gard & Co. Your transaction is hugely important to you and us and could be one of the most expensive things you ever do. We want to communicate clearly so that we can be confident that you understand the issues involved. If you are still confused, please ask us to explain.
- Friendly and courteous: We work for you and are on your side. All of our conveyancing lawyers and their assistants are friendly and personable. If you have questions or concerns, we are only too pleased to help.
- Good Relationships: Our aim is to work together with the other professionals involved in the transaction to achieve your goals as quickly and efficiently as possible. We are not interested in point scoring or petty legal arguments which go nowhere. If there are problems we work with the other party’s conveyancers to achieve practical and expedient solutions, whilst protecting your interests at all times. We keep estate agents fully informed as to the progress of the matter by email and phone and again will work with them where it is appropriate to resolve issues.
- Free Parking: Parking is available at the front of our city centre office and there is no charge.
Don’t embark on your home buying journey alone. Partner with Gard & Co and experience the difference that expert legal guidance can make. Contact us today to receive your no obligation quote and take the first step towards homeownership with confidence!
If you are selling or buying property and need the services of a highly regarded team of property lawyers, please contact Anthony, Karen, Max, Michelle or Jodie on 01752 668246 or send an email by clicking here. Alternatively you can obtain an online conveyancing quote (legal fees for buying and/or selling houses) by clicking on the button or in the menu.
