Category Archives: Private Client

Changing Your Name on Your Title Deeds Following Gender Reassignment

March 26, 2019 | Lindsey Taylor |

change name on title deeds

If you have undergone gender reassignment surgery, you will be dealing with an overwhelming number of changes and will be starting to create your new identity. To make things easier, the Registers of Scotland (ROS) will change your title deeds to reflect your new identity. They will not only change your name as owner, they … Read More >>

Removal of an Executor – A Change in the Law?

March 25, 2019 | Ailidh Ballantyne |

removal of an executor

You have made a Will. Congratulations! This puts you ahead of the almost 60% of the Scottish population who do not have Wills in place. In your Will, you have appointed an Executor; the person charged with implementing the terms of your Will and carrying out their legal duties as your Executor. However, in light … Read More >>

Loft Conversion – 5 Things to Consider

March 22, 2019 | Katharine Smith |

loft conversion

Many people choose to convert their loft area as a means of obtaining more space without having to move home. This blog provides some advice on what you should be thinking about before making the decision to extend and how to ensure that the loft conversion is safe and legal. 1. Check you own the … Read More >>

Business Development Mistakes

March 21, 2019 | Ailidh Ballantyne |

Business Development Mistakes

“It’s in the diary.” “Let’s catch up over coffee.” These are typical phrases which are uttered when we hear the words – “business development.” What are we really looking to gain from having countless lunches and coffees with contacts we may not have seen or heard from in a while? The purpose In these uncertain … Read More >>

Your Rights as a Carer in Scotland

March 15, 2019 | Lynne Lind |

rights as a carer

There are many people who are providing care for loved ones in their own homes.  The Scottish Government recently circulated an updated Carers’ charter explaining the rights of adult carers or young carers in Scotland.  This came on the back of the introduction of new legislation, The Carers (Scotland) Act 2016, which came into effect … Read More >>

Top Tips: Practical aspects of registered Power of Attorney with a Bank

March 6, 2019 | Lynne |

You have been appointed as a Continuing (financial) Attorney and now need to trigger the powers granted to you. Check the document has been registered with the Public Guardian’s Office. The document requires to be registered to be operational. Check the powers you have been granted. Ensure you have specific powers to deal with managing … Read More >>

I’ve paid off my mortgage, why do I need to discharge it?

February 6, 2019 | Ross Wallace |

Discharging a mortgage

So the day is finally here; you’ve worked hard, made years of payments and now you’ve got that all important letter from the bank/lender confirming that you have fully paid off your mortgage. So pop open the champagne, enjoy the moment and have a think about how you are going to spend that extra money … Read More >>

First-time buyers consider Lifetime ISA for free cash

February 4, 2019 | Ross Wallace |

Lifetime ISA

As most people are aware, the government set up a very generous scheme at the end of 2015 known as Help to Buy ISAs where young people who had never owned a house before (first-time buyers) could save for a house and be given a free 25% bonus on top of their savings when they … Read More >>

Equity Release Mortgages

January 21, 2019 | Katharine Smith |

Equity Release

Why consider an equity release mortgage? The average person can expect to live for around 20 years following retirement and for many people equity release is an attractive option as it offers either a lump sum or a regular income which could be used in a number of ways: To supplement your pension To pass … Read More >>