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Property Services Conveyancing Commercial Property Leases Wills Probate Trusts Powers of Attorney Estate Management REDRUTH 01209 213 646 I HAYLE I 01736 230 055 ST AGNES 01872 306 287
Contents Who we are Conveyancing Buying Selling Equity Release Auction Packs Re Mortgaging Building Plots Land Commercial Property Notes 2 5 9 5 6 7 8 8 8 9 13 Meet the team Private Client Change of Name Deeds Will Writing Trusts Inheritance Tax Planning Probate Estate Management Powers of Attorney Deputyships Map 3 4 9 12 9 10 10 11 11 11 12 12 14 At Thurstan Hoskin we like to take the worry and stress away from you
THURSTAN HOSKIN SOLICITORS is an independent law firm which has been part of the Cornish legal landscape for over five decades Our main office conveniently located just off the bottom of Redruth High Street was later established in 1979 We take pride in our Cornish roots and serving the local community and beyond We are committed to continued staff training and development which ensures our standards are up to date We are regulated by the Solicitors Regulation Authority and are members of the Cornwall Law Society Solicitors for the Elderly and The Law Society s Quality Conveyancing Scheme Since Thurstan Hoskin s retirement Practice Manager Barbara Archer and Head of Conveyancing Stephen Morrison have continued to build the firm s ethos and develop the firm s core principles which are good value good advice good communications respect and reassurance Providing a personal service is also a core principle of our business and clients are allocated a team member based on their individual needs Every month we match client donations to two local food banks CPR Camborne Pool Redruth food bank Hayle food bank Donations can be given to our receptionists and we have a food collection basket in our Redruth office Covid 19 Commitment www thurstanhoskin co uk covid 19 update Mon Fri I 9am 5 15pm Open in Hayle Tuesday Wednesday Friday 9am 5pm Mon Fri I 9am 5 15pm Open in St Agnes Wednesday 9am 1pm All other times by prior appointment Before you do anything TALK TO US
Private Client Louise Deere FCILEx Chartered Legal Executive Maria Bury Redruth Head of Private Client Wills Probate Executive Teresa Dawes Legal Assistant Private Client Charlotte Fairley Legal Assistant Receptionist Administration Support Barbara Archer BA Hons ACMA CGMA Partner Practice Manager Redruth Paul Hocking Accounting Executive Sharon Archambault Cashier Admin Assistant Redruth Stephanie Terrell Receptionist Redruth Hayle Office Tel 01736 230 055 33 St John s Street Hayle TR27 4LL TUunefo rWtuendat eFlyriduIe9toamour H5apymle solicitor tTahkuirnsgtaenarlHyorsektiinrem enPtaartsnaerrsesuhlatsofaillness tlohnisgo sftfiacnedisngcurhreisnttolyryclosseerdvintog visthiteors WHaeylheocpoemtomruen iotypeanndtotwhaisrdis wthheyewnde of 2w0e2re2 opnlecaeseadsuinita2b0le19retpolacre moepnent hians been aCpopopienrtheodu sePjluesatsea cfheweckmoinuurtwesebwsaitlke sfroocmial omuerdoiladcphraenmniseels for updates Pick up their leaflets from our Redruth office Redruth Office Tel 01209 213 646 I Fax 01209 21003 069 info thurstanhoskin co uk Mon Fri I 9am 5 15pm Chynoweth Chapel Street Redruth TR15 2BY Located w heritage a the botto with fre are perfec the lolcoacla
Conveyancing Stephen Morrison LLB Hons Partner Head of Conveyancing Samantha Newton ACILEx CILEx Conveyancing Practitioner Emma Lilley ACILEx Conveyancer Hayle Jannette Scott Legal Assistant Conveyancing Laraine Smailes Legal Assistant Conveyancing Colette Cooper Receptionist Conveyancing Assistant Emma Lockie ACILEx Conveyancer Redruth Martin Biscombe Conveyancer Redruth Janet Edwards Legal Assistant Conveyancing Alison Healy Legal Assistant Conveyancing David Ashley Conveyancing Assistant wiwthitinhinthe tlohceal local action zzoonnee jujussttoofff m of the high street ee cclliieennttppaarrkkininggwwee ctly llooccaatteeddttoosseerrvvee al reare abe yonbde yond St Agnes Office We re in the square Tel 01872 306 287 Open Wednesday 9am 1pm all other times by appointment 20 Churchtown St Agnes TR5 0WQ Our St Agnes office is located inside Atkins Ferrie Wealth Management Most of our staff are available to travel and meet you at this office
Conveyancing Purchasing Whether purchasing your first property or your tenth it can be a difficult and stressful time filled with lots of questions It is important to work out what you can afford Remember that property value income and interest rates all fluctuate and not necessarily in line with each other or at the same time An individual from our conveyancing team will advise you on the process We aim to keep your matter moving efficiently keep you informed in clear language throughout your transaction We are well versed in issues Cornish conveyancing can throw up such as Mundic and Mining Don t hesitate to contact us with any questions you can also check our website for more information Frequently Asked Questions Q How long will the process take once I have chosen the property A The average process from the seller accepting the offer is 8 16 weeks depending on a number of factors such as searches the size of the conveyancing chain whether the property is leasehold or freehold Q What s the difference between Leasehold and Freehold A Freehold means you own the land the property is on this is common when purchasing houses Leasehold refers to owning the property but not the land this is common in flats and other shared occupancy builds Q How much will it cost A This depends on a number of factors such as the purchase price whether the property is freehold or leasehold and whether you are obtaining a mortgage We will be able to discuss our fees and give you an estimate when you contact us We are here to help TALK TO US FIRST
Conveyancing Selling More commonly clients are instructing us before accepting an offer on their property and we believe this gives them an edge over other sellers Not only does it demonstrate to the interested party you are ready to sell and organised it can also help to make the process as efficient as possible Often a sale is linked to an ongoing purchase In some cases there may be an even larger conveyancing chain of properties being bought and sold The requirements of this can affect the transaction the challenge for conveyancers is often ensuring this process works smoothly If your sale is independent it can proceed in isolation unaffected by such matters We strive no matter the size of the conveyancing chain to leave you as unaffected as possible by this process hoping to ensure a stress free time with us Frequently Asked Questions Q How long will the process take once I have accepted an offer A The average process from you accepting an offer is between 8 16 weeks however this can vary depending on a number of factors Q How much will it cost A This is dependant on a number of factors We estimate a freehold sale at 150 000 00 to cost 675 00 VAT We are happy to give you an estimate and discuss your needs when you call the office Q When will I receive sale funds A We aim to send the funds to your bank account the same day as the sale completes Q Are there any other associated costs A Yes items such as Land Registry documents Bank transfer fees and Agents fees will be incurred depending on the transaction Large or small cottage or new build TALK TO US FIRST
Equity Release EQUITY RELEASE is a way of gaining access to otherwise tied up equity money from your property There are two main ways to do this both are only available to homeowners over the age of 55 LIFETIME MORTGAGE As it sounds a lifetime mortgage is a sum of money given against a charge on a property Most people who release equity do so through a lifetime mortgage Some people choose to ring fence some of their property value to be used for inheritance after they pass away You may make interest re payments or choose to let it build up in which case the amount is repaid after you pass away or when you move into long term care Some providers also allow capital to be repaid alongside interest if you choose Those considering a lifetime mortgage should know that interest can build up HOME REVERSION You sell a part or all of your property to a reversion provider In return you may continue living in the property rent free until you pass away providing you insure the property and maintain its upkeep In return you will receive between 20 60 of the property or the part you sell market value this depends on your provider As with lifetime mortgages you may ring fence part of your property for other use such as inheritance The percentage you ring fence does not change despite fluctuating market values After you pass away the property is sold and the monies distributed according to the shared ownership Samantha Newton is our specialist in Equity Release and she enjoys ensuring clients get what is best for them She has over 10 years experience dealing with conveyancing transactions and is a CILEx Conveyancing Practitioner Get in touch and see how we can help you
Auction Packs We often act for both buyers and sellers at local auctions When acting for sellers we provide auction packs which contain information about the land property in question and these are purchased by prospective buyers to assist them in any potential purchase When asked to represent a buyer at auction it is important for the buyer to understand the limits of our work Once committed to a purchase at auction and a deposit has been paid there is little legally that can be done if you simply change your mind Re Mortgaging Re Mortgaging can be stressful and you will often need to instruct a solicitor especially if you are changing mortgage providers Our team are experienced in dealing with all the major providers and can offer support and guidance to ensure the transaction proceeds as smoothly and stress free as possible We advise that you provide the lender with all the required information as delays can often arise due to missing information Building plots Land We have vast experience of the nuances and restrictions Cornish land can present We can discuss potential development difficulties which may arise ensuring you are aware of the situation before continuing Often land is sold with planning permission for development of the site However the county boasts a great deal of Agricultural Coastal land which can come with restrictions on use and development Restrictive Covenants We can help ascertain if the land meets your requirements for onward developments Sole trader or corporation TALK TO US FIRST
Commercial property The process for Commercial conveyancing is similar to that for Residential There are however some different issues that may have to be addressed such as Planning Building Regulations It is also important to consider the premises are likely to have been adjusted to the previous owner occupier s specific needs Our experienced team can discuss with you all the specific needs of your transaction and any concerns which you may have Our team are always at the end of the phone or email to help wherever we can We can also assist with the negotiations of commercial leases from both the landlord and tenant perspective and previous work in this area helps us prepare for challenges you may not be aware of such as negotiating service charges and other caveats within the contract Change of Name Deeds Although you can create your own Deed Poll to change your name some financial institutions and government organisations require you to have an Enrolled Deed Poll before accepting your name change These enrolled Deed Polls require specific wording to be accepted by the courts and this is why some people use a Lawyer You need to be 18 to Enrol a Deed Poll or if you are under 18 both of your parents are required to sign on your behalf Before you do anything TALK TO US
Will writing The process of writing a Will can be confusing especially for elderly clients Even if you would like all your possessions to go to your partner or next of kin it is important to show that in a Will Many do not realise that without doing so your possessions may not automatically go to your partner Wills are also used by some people to leave donations to charities close to their heart It is important to remember Wills are not just for the elderly It is recommended that everyone write a Will in their adulthood in case the worst should happen It is also important to keep your Will up to date in the event of major life changes such as marriage divorce the birth of a child or purchasing a property Louise Deere Head of our Private Client department has over fifteen years experience and is a fully accredited member of Solicitors for the Elderly As a result of COVID 19 we have started to offer a Covid Secure Will writing service We can offer video call meetings and in limited circumstances home visits We also have a practice for distanced Will signings at our Redruth office or alternatively can post the Will for you to sign and have witnessed at home Simple Wills start from 175 VAT we offer discounts for couples and those preparing an LPA Trusts Trusts are often used by families as a way of entrusting assets are held on your behalf after your death for instance to allow a loved one to live in a property This will ensure those assets still pass into the hands of those you wish to have them such as children from a first marriage Trusts are drawn up specifically for each client We are here to help TALK TO US
Inheritance Tax planning Inheritance tax is a complicated system of taxing your estate once you pass away Reading about it can be even more confusing Main residence nil rate bands basic allowances passing assets on to your spouse charitable donation clauses and more can all confuse the process We offer a planning service to help you deal with this and get the best advice available Probate Obtaining a Grant of Probate is the process of the named executor in a Will obtaining a court order to deal with the deceaseds estate If the deceased did not leave a Will and you wish to administer their estate you will obtain Letters of Administration on successful application to HM Courts Tribunal Services We understand this can be a difficult time for all and are able to assist with your Probate application Alternatively you can ask us to apply for Probate or Letters of Administration and administer the estate on your behalf Read more about this below Estate Management Once you hold a Grant of Probate we are able to administer the deceased s estate on your behalf This involves things such as contacting banks and utility companies to cancel services We also are able to deal with property advising how best to proceed should the deceased have wished for the property to be sold Once the total of the estate has been completed we are able to distribute monies and possessions as per the Will We DO NOT charge prices based on the value of the estate involved nor do we charge a percentage of the value of the estate We only charge for the time that is spent on the matter At Thurstan Hoskin we like to take the worry and stress away from you
Powers Of Attorney It s natural to think about what might happen if you are unable to deal with your affairs A Lasting Power of Attorney is a way to give the legal power to someone or more than one person to deal with your affairs A PROPERTY AND FINANCIAL AFFAIRS Power of Attorney grants the appointed person s power to sign documents as if they were you They can then deal with your property your bank accounts and other financial assets For example this allows the nominee to use your money for things such as food or the upkeep of your property It may be used as soon as it is registered A HEALTH AND WELFARE Power of Attorney grants power to assist you with your personal affairs For example decisions such as where you live through to your continuing medical treatment This LPA only comes into force if you loose the mental capacity to make decisions The attorney s are responsible for making decisions in your best interests and supporting you You may grant your attorneys the ability to make such decisions on your behalf as whether you should be artificially resuscitated You can choose to have one or both of the LPAs and the person s acting as attorney doesn t have to be the same for each Deputyships Sometimes a client can no longer provide instructions for the creation of a Lasting Power of Attorney In those instances it may be necessary to apply to the Court of Protection to manage their affairs for them We can assist in preparation and procedures for filing the necessary forms with the Court of Protection We are here to listen and help TALK TO US
Notes
We re closer than you think ST AGNES The Tamar then up country St Ives HAYLE Illogan Portreath Mt Hawke Porthtowan Threemilestone Camborne REDRUTH Truro Falmouth Penzance Helston The Lizard REDRUTH 01209 213 646 I HAYLE I 01736 230 055 ST AGNES 01872 306 287
Property Services Conveyancing Commercial Property Leases Wills Probate Powers of Attorney Estate Management Trusts Chynoweth Chapel Street REDRUTH TR15 2BY info thurstanhoskin co uk I www thurstanhoskin co uk 01209 213 646 01209 210 069 33 St John s Street HAYLE TR27 4LL I 20 Churchtown ST AGNES TR5 0WQ Tel 01736 230 055 Tel 01872 306 287 Find us on social media Before you do anything TALK TO US Brochure Design By Jacob Archer Thurstan Hoskin Solicitors 2021