ADDITONAL SERVICES
At Calibre Capital, we appreciate that most property transactions involve more than the mortgage application. Keeping any project on track, when it involves solicitors, IFAs, surveyors, as well as ourselves, can be a tall order, so we’ve established a shortlist of preferred partners who can help to take the load off our clients’ shoulders.
We work with a select group of carefully chosen professional advisers, which gives us the capability to coordinate everything from conveyancing to surveys, accountancy and wealth management.
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We take care to source the best services we can, because after all, our reputation depends on it too. In this way we’re able to provide a holistic approach to your financial needs, ensuring you end up with solutions that don’t simply ‘get the job done’, but provide you with the peace of mind that comes when all your needs are professionally looked after.
Solicitors
The quality of the solicitors you choose to help with your transaction is very important. No matter how much experience you have of buying and selling property, it’s vital to make sure that you are receiving the best advice throughout the whole process. Here at Calibre we work with a number of carefully selected firms of solicitors and can instruct them on your behalf should you wish. We will work in tandem with them throughout the entire process to ensure that your transaction goes as smoothly as possible from start to completion. For further details please feel free to contact us.
Surveyors
When purchasing a property it’s essential to be sure that the property you are buying is of sound structure and that you’re not overlooking any potentially urgent and costly repairs. Most lenders will insist on the property being valued by a surveyor on their panel of surveyors – however this is a very basic valuation, mostly for the benefit of the lender to make sure the property is worth the money you are paying for it. The valuation survey may not flag up any defects so to safeguard against any potential future issues we would always recommend you carry out a more detailed survey of the property you are buying.
There are the two types of surveys available:
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The HomeBuyer Report:
A HomeBuyer Report is intended for conventional, residential properties such as houses, flats and bungalows, which appear to be in a reasonable condition and have not been subject to significant alterations since construction.
It is more comprehensive than the standard valuation, and focuses on essentials (e.g. urgent or significant defects and problems which may affect the value of the property). Because of the practical limits on the type of property and the scope of its coverage, the HomeBuyer Report is mid-range in price, more expensive than a standard valuation but less expensive than a building survey.
This report is designed to enable prospective buyers to make an informed decision on whether or not to proceed with their purchase, and to assess whether or not the property is reasonably priced. It will also assist in identifying what decisions and actions should be taken before contracts are exchanged. It is the cost-effective choice for the majority of property purchasers. However for buildings older than 100 years – or for a more detailed report – a building survey will be more appropriate.
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The Building Survey:
A Building Survey is suitable for all residential properties and provides a full picture of their construction and condition, including the roofs, chimneys, walls, floors, ceilings, doors and windows. It also includes checks for asbestos. It goes into greater depth than a HomeBuyer Report and does not follow a fixed format. It’s likely to be needed if the property is over 100 years of age, is of unusual construction, is dilapidated, has been altered, or where a major renovation or conversion is planned.
A local building surveyor will provide advice on existing or potential problems and identify suitable remedial work. The surveyor will agree to comment on particular areas of concern, provided they fall within the surveyor’s terms and conditions and within the guidelines laid down by the Royal Institute of Chartered Surveyors (RICS).
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In the event that you require a more detailed report than either the HomeBuyer or Building Survey reports can provide, we are able to instruct an independent surveyor to inspect the property for you. Contact us.
Wealth Management
Wealth comes in lots of forms; it isn’t simply a matter of having huge sums of cash in your bank account. People who have a lot of money often have complex financial arrangements in which their assets (anything owned that has monetary value) are widely spread and diverse in nature. Making those assets work as efficiently and productively as possible requires an in-depth knowledge of financial markets and the latest investment opportunities. Calibre Capital has chosen to work with a professional firm of independent financial advisers (IFAs) who have the capability to advise and assist with all your financial needs. Whether accumulation or preservation is your goal, the world of investment management becomes ever more complex as the global economy continually changes. These professional associate advisers are able to work with investment managers from the entire market to ensure that they develop the most suitable solution for you.
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The IFA associates also offer advice on tax planning, estate planning and pensions. For more information on these services please contact us.
Accountants
Whether you need advice on capital gains tax or help structuring your commercial property investments, at Calibre Capital we work with professional accountants who can advise you on all your tax affairs. For more information on these services please contact us.
Calibre Capital Mortgage Finance Limited is an appointed representative of Sesame Ltd