Our Property Development and Commercial Property solicitors and lawyers ensure that all legal aspects are handled correctly and protect the interests of our clients. When dealing with property finance, we work on behalf of either lenders (such as banks or mortgage companies) and/or borrowers (individuals or businesses purchasing or refinancing property). Here’s what we do:
1. Due Diligence and Legal Searches (when acting for the lender)
- Title Investigation: We check the title to the property to ensure that the borrower has the legal right to mortgage it. We identify any restrictions, easements, or covenants that might affect the property.
- Searches: We conduct various searches, including:
- Local authority search (checks planning permissions, local land charges, building regulations).
- Environmental search (assesses flood risks, land contamination).
- Water and drainage search (ensures the property is properly connected to water and drainage systems).
- Drafting and Reviewing Legal Documents
- Mortgage Deed: We draft and/or review the mortgage deed and loan terms and advise our client.
- Handling Funds
- Transferring Funds: We handle the transfer of funds for the property refinancing, ensuring that all monies are properly accounted for and paid out at the correct time.
- Post-Completion Tasks
- Land Registry: After completion, we register any new mortgage at the Land Registry.
- Specialist Areas of Property Finance
- Buy-to-Let: For clients looking to finance rental properties, we ensure compliance with specific regulations for landlords and financing arrangements.
- Bridging Finance: For short-term property financing, we handle the fast-paced legal work required for bridging loans.
- Commercial Property Finance: For businesses financing property, we manage complex arrangements like leasing, development finance, or securing financing against commercial assets.
CONTACT US
If you wish to discuss a case with us, please contact Julian De Giovanni on 01420 81281 or fill in the form below.
“Thorough on acquisitions and smooth on sales. Proactive and commercially astute. Not fazed by dealing with large London or regional firms. Good sense of humour and remains calm under pressure. Gets the job done time and time again.”
“…I particularly wish to thank you for all your hard work, advice and support throughout, which has been a significant factor in enabling us to get to goal. I know that you have often spent a lot of time on this matter after normal office hours to ensure progress of the sale was maintained – all very much appreciated.”
“We use Julian De Giovanni because we have found him adept at identifying problems early on and then either resolving them or advising us of our position. He always has in mind the importance to us of being able to sell on completed units quickly and cleanly once we have concluded a project. Julian puts in the extra effort that is required to get the job done. He is contactable, answers the phone and replies to messages. He meets and exceeds our expectations whilst remaining a pleasant person to deal with! I have had no hesitation in recommending him to others.”
