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03 February 2017 News
Many people are under the misapprehension that having a Will is only something that needs to be considered once you’re “old” or if you have lots of money to leave behind to your loved ones.   Many also think that if they don’t have a will, then their estate will automatically go to their spouse anyway, so there is little need to have a Will drawn up – this is simply not the case. Dying without a Will in Scotland is referred to as “intestacy.” It’s important to note that when you die, your spouse will not automatically inherit everything. Your estate will be distributed in line…
21 December 2016 News
On 1st April 2015, Stamp Duty Land Tax (SDLT) was replaced with Land and Buildings Transaction Tax (LBTT). This was effective for any land transaction on or after 1st April 2015. Thereafter, the Land and Buildings Transaction Tax (Amendment) (Scotland) Act 2016 came into force on 1 April 2016, in terms of which the Scottish Government introduced a supplementary LBTT charge in relation to the purchase of an additional residential property. Essentially this means that where someone wishes to buy a second home (for example a holiday home) or a buy-to-let property, they will incur an additional charge of 3% payable on top of the existing…
15 December 2016 News
A Separation Agreement (also referred to as a Minute of Agreement) is a document which sets out matters which have been agreed between a couple who have separated. It is often advisable to enter into a formal Separation Agreement, pending divorce, in order to ensure that there is clear agreement between the parties in relation to issues such as: payment of mortgage/rent and household bills who lives in the family home how the family home is to be sold who is responsible for any debts how assets are to be divided pension arrangements If there are children of the marriage, it is also important to set…

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North Berwick - 01620 892138
Dunbar - 01368 862746

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