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14 June 2019 News
If you are contemplating a move from the city to a semi-rural location then the village of Cockburnspath may be the ideal spot for you. It is located on the East Lothian/Berwickshire boundary and benefits from a village shop, local primary school, garage and a church. There is a beautiful beach and harbour at the Cove and this is but a ten minute walk from the village. It is perfect for walking enthusiasts as the Southern Upland Way terminates here. It opened in 1984 and was the UK’s first officially  recognised coast-to-coast long distance route. We are currently marketing two very different properties, both of which would make…
07 June 2019 News
Inheritance Tax is charged on the estate of an individual who has died. The standard rate of Inheritance Tax is 40% and this is applied by HMRC to any estate over the Nil Rate Band, which is presently set at £325,000. Further thresholds can be added to this figure when your home is gifted to your children (or grandchildren) or when your spouse has predeceased. The additional threshold when gifting to your children is known as a Residence Nil Rate Band. This came into operation on 6 April 2017 (and applied to deaths occurring only after this date) initially at a level of £100,000 with increases…
31 May 2019 News
It is estimated that around 76% of young adults aged between 18 to 34 do not have a Will. This is 40% less than their counterparts aged 55 and over. This is largely due to the younger generation being of the opinion that (a) they do not feel “old enough” to make a Will, (b) their estates are not of high enough value to justify making one and (c) the misconception that their estate would automatically go to the “right” person when they die. Having a Will is important regardless of age or financial circumstance and allows an individual to take control of their estate and…
24 May 2019 News
A Will narrates what should happen with everything you own (referred to as your estate) when you pass away.  As circumstances change throughout life, we always recommend the terms of your Will be reviewed regularly.  Once you have a Will it is possible to amend the terms of your Will without redoing the whole document.  This can be done in the form of a codicil. A Codicil is a testamentary writing which is read alongside the original Will.  It is possible to have more than one codicil alongside your Will.   However, having many codicils can cause confusion, so it may be sensible to redo your Will…
17 May 2019 News
We have done a previous blog on writing your own Will but did you know it is possible to do your own conveyancing?   Like most things DIY, it comes with a very big warning!  Owning a property is the largest investment most people make, so the thought of finding out you don’t actually own it would be a headache.   A basic overview of the purchase transaction will highlight the amount involved in a transaction:   1. A written legal offer is submitted and missives thereafter, concluding the contract 2. The title deeds need to be examined and searches reviewed, to ensure the seller actually…
10 May 2019 News
Last year there was a 4% increase in the number of New Build properties completed in Scotland, compared to the previous year. As such, it is no surprise to learn that New Build properties are becoming an increasingly popular choice. Before purchasing a New Build property, it is important to consider the following issues: ·A reservation fee will be charged at the point of reserving the property, and a deposit, at the time of concluding missives. These payments can be non-refundable if the transaction falls through at a later date. You must also have the funds available to pay the deposit (prior to the utilisation of…
03 May 2019 News
There are many reasons for deciding to re-mortgage your property including that your existing deal is coming to an end, you are worried about possible interest rate rises, you wish to repay part of the existing borrowing or the value of your property has increased and you would like to borrow more. Before progressing with any mortgage application, you should always consider the cost of doing so. Typical costs may include arrangement fees, legal fees, admin fees and a valuation fee. It would also be prudent to consult with an independent mortgage broker to ensure that you compare all of the offers available from different mortgage…
26 April 2019 News
Dunbar, one of East Lothian’s beautiful coastal towns, has much to offer this spring with a variety of local events that will appeal to many.  Why not investigate some of the following events in order to appreciate what this up and coming town has to offer. Park Run UK Every Saturday at 9.30am there is the opportunity to participate in the recently established Park Run, which takes place at Hallhill Healthy Living Centre.  Park Run UK organise free, weekly, 5K timed runs around the world. They are open to everyone, free, safe and easy to participate in. This is a fantastic community event and something for all…
19 April 2019 News
The 1 April, 2019 saw the implementation of “Frank’s Law” in Scotland, which has extended free personal care to adults under the age of 65 who are deemed to require it. Free personal care has been in place since 2001 for adults over the age of 65. The types of personal care provided will vary according to an adult’s assessed care needs, but often include care in relation to bathing and showering, assistance with the preparation of food and eating, and assistance with dressing, getting up and going to bed. “Frank’s Law” came about as a result of a campaign by Amanda Kopel, whose husband was…
12 April 2019 News
As a solicitor-based estate agency we pride ourselves on offering a one-stop-shop for estate agency and legal services within three East Lothian towns; North Berwick, Dunbar and Haddington.  Each of our lawyersand property managers live locally and have vast experience in the East Lothian market.  We take the stress out of selling with our complete estate agency and conveyancing service, all done under one roof.  Our qualified Property Managers will take you through the process every step of the way, ensuring we maximise the sale price achieved, with the support of our friendly and professional property teams.  One of our senior lawyerswill have an early involvement…

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North Berwick - 01620 892138
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