Advice guides from an established Solicitor in the heart of Urmston close to the center of Manchester.
Here at Urmston, we’re experienced in helping in areas like Family Law, Conveyancing, Power of Attorney/ Will making and Probate.

If you need professional advice, get in touch to book a meeting with a member of our friendly Legal team.

Why do I need an Indemnity Policy? One of the most common question we are asked in Conveyancing

Indemnity insurance policies are commonly used in property transactions to provide protection in situations where the legal position is either unclear or not fully acceptable to a purchaser or mortgage lender.Indemnity policies can be a quick way of resolving legal issues to everyone’s satisfaction, so are frequently used to speed up the conveyancing process.  Depending on the defect, insurance quotes are usually given within a day or so and the policies can be taken out quickly.What do they cost?The cost varies according to the value of the property, its use and the nature of the risk.  Usually a single upfront…

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Buying your first home

As a first time buyer, the prospect of buying your first home, and most likely taking out a mortgage, can seem daunting, but do not let it be. Courmacs offers a first-time buyers no obligation consultation to guide first time buyers through their first purchase. Whether you have found your first property already, or perhaps you are still looking, we’re here to help. Often a discussion can help to give you confidence for the process. We do not use complex jargon and instead we like to put ourselves in your shoes so that all you need to do initially is to spare…

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Finances and Divorce

When considering divorce, you may not take into account financial separation from your spouse.It is important to sever your financial as well as your marital ties to your spouse so as to stop any further claims on your assets, income and estate.We cannot emphasize enough the importance of financial independence following a divorce, without financial separation you would always be tied, in part, to your former spouse, and they could potentially claim on your finances at some point in the future.Financial negotiations should begin at the earliest possible point following separation and the process should run alongside divorce proceedings.

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Your Rights: Buying a house with your live-in partner

For most couples, deciding to move in together is an exciting time, looking to the future, and planning a home together can be the start of a great lifetime ahead, but not protecting your assets or your legal position can be a very risky course of action. By the time many couples realise that, in law, they are considered as separate individuals, it’s too late to put any legal protection in place. Many couples believe that living together gives them legal rights, but marriage at common law does not exist, and unless you have agreed your positions at the start…

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8 Tips for Will & Trust Executors

  When a person makes a Will, to ensure that their money, possessions and property are distributed according to their wishes and to avoid family disputes they need to elect an executor. What you need to understand if you agree to be a Will or Trust executor. If you are asked to be an executor you will be legally responsible for managing the deceased person’s financial and personal affairs until the probate or trust process is completed and assets distributed. It is therefore very important that you understand your responsibilities, whether you will be sole or joint executor and that,…

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Who will get your pension when you die?

  Determining how your estate, which includes property, savings and investments is shared amongst your loved ones is the key aim when writing a Will. However, when making a Last Will and Testament it is important to realise that your pension is not automatically part of your estate and if separate provisions for your pension or death benefits are not made then funds paid upon death could be included in your estate and be subject to inheritance tax. How to make it clear who gets your pension when you die? Since the introduction of pension freedoms in April 2015 policyholders…

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Financial commitments don’t end with divorce

Contrary to popular belief, your financial commitment to your ex-partner (wife, husband or civil partner) does not end with a ‘Decree Absolute’. Even if you discuss matters amicably with your ex-partner and decide what happens to your wealth and assets your financial commitments to each other will not end until you legally formalise the arrangement by way of a Separation Agreement and/or a Court Order. What is the time limit for a financial claim after divorce? Regardless of the number of years that have passed since receiving your final order of divorce - the Decree Absolute, there is no time…

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Power of attorney for business owners

You may think of special powers of attorney as something that could be relevant to your life outside of work. For example, if you became unable to manage the household finances or make decisions about your care arrangements. However, business owners are also urged to set up an arrangement known as a Financial Lasting Power of Attorney (LPA). That way, should you become unable to run your company due to accident or illness, then control of your company can be passed swiftly to the trusted person you have nominated as your attorney. If you don’t put an arrangement of this…

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What you need to know about the Court of Protection

One of the most common health issues of the ageing population in the UK is dementia. The Alzheimer’s Society 2014 updated report advised that;The total number of people with dementia in the UK will be 850,000 by 2015 and forecast to increase to over 1 million by 2025 and over 2 million by 2051. With the first wave of baby-boomers reaching their 70s in 2015 more and more people will have relatives or friends that may suffer from health conditions, such as dementia, that could affect their ability to make significant decisions about their money or property. When will you…

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How to Protect and Preserve Your Wealth For The Next Generation.

  With house prices rising increasing people’s net worth, failing health and concerns about the cost of residential care, many retired homeowners are considering ‘gifting’ (signing over) their property to their children as a way of preserving their assets. They mistakenly believe gifting will reduce the value of their estate and help them minimalise costly care home fees or allow them to pass on the responsibility of managing their assets when they become vulnerable, incapacitated or ultimately on death. How a Will Trust Can Help Couples Preserve Their Estate For couples, leaving your property in a Will Trust is an…

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