Accountancy and Legal

We work closely with a select number of accountancy practices who are highly regarded as specialists within their field. As such we are happy to introduce their services depending on the level of technicality required.

Accountancy and Legal

We work closely with a select number of accountancy practices who are highly regarded as specialists within their field. As such we are happy to introduce their services depending on the level of technicality required.

Conveyancing

Find a Suitable Solicitor

Our business commits itself to putting you in the right hands with a solicitor that takes away the stress normally associated with the house buying and mortgage process.

Whether you are buying for the first time, moving house or remortgaging, you will need to instruct a conveyancer to deal with all the legalities involved in completing your home purchase or remortgage.

We will introduce you to leading conveyancers, offering both competitive quotes and high service standards. 

We have negotiated, on behalf of our clients, with the legal firms on our panel to secure the most favourable fees available.

Some of the solicitors on our panel also offer a "no move, no fee" promise.

Conveyancing

Find a Suitable Solicitor

Our business commits itself to putting you in the right hands with a solicitor that takes away the stress normally associated with the house buying and mortgage process.

Whether you are buying for the first time, moving house or remortgaging, you will need to instruct a conveyancer to deal with all the legalities involved in completing your home purchase or remortgage.

We will introduce you to leading conveyancers, offering both competitive quotes and high service standards. 

We have negotiated, on behalf of our clients, with the legal firms on our panel to secure the most favourable fees available.

Some of the solicitors on our panel also offer a "no move, no fee" promise.

Bridging Loans

Helping you to secure fast access to bridging loan funds

A bridging loan is a short term loan given to ‘Bridge the gap’ between you buying a new property and selling your previous property. Bridging loans can also be used as a short term loan to help you buy a property at auction, where you need the money immediately, but may not have sold your current property yet.

Bridging loans are often used by landlords, developers and people stuck in a broken housing chain. Due to the nature of the loan, they can be expensive, and it is crucial, before taking out this type of finance, that you know how you will repay the loan. This could be, for example, through the sale of a property, or with funds from a mortgage.

Whatever the reason you need access to finance quickly, one of our expert advisers will be happy to discuss your needs. They will indicate the suitability of a bridging loan for your circumstances.

Your property may be repossessed if you do not keep up repayments on a mortgage or debt secured on it

Bridging Loans

Helping you to secure fast access to bridging loan funds

A bridging loan is a short term loan given to ‘Bridge the gap’ between you buying a new property and selling your previous property. Bridging loans can also be used as a short term loan to help you buy a property at auction, where you need the money immediately, but may not have sold your current property yet.

Bridging loans are often used by landlords, developers and people stuck in a broken housing chain. Due to the nature of the loan, they can be expensive, and it is crucial, before taking out this type of finance, that you know how you will repay the loan. This could be, for example, through the sale of a property, or with funds from a mortgage.

Whatever the reason you need access to finance quickly, one of our expert advisers will be happy to discuss your needs. They will indicate the suitability of a bridging loan for your circumstances.

Your property may be repossessed if you do not keep up repayments on a mortgage or debt secured on it

Building Surveys

All Building Survey enquiries are passed to a trusted third party company which works alongside HB Partners Ltd.

There are three main types of survey: 

  • Valuation Report
  • Homebuyer Report
  • Structural survey

Building Surveys

All Building Survey enquiries are passed to a trusted third party company which works alongside HB Partners Ltd.

There are three main types of survey: 

  • Valuation Report
  • Homebuyer Report
  • Structural survey

Valuation Report

A valuation report does exactly as its name suggests: it determines whether the property you are wanting to buy is worth the amount you have agreed to pay for it. This is primarily for the mortgage lender, so that it knows it the loan will be covered if the property has to be repossessed and sold.

Some valuation reports are ‘desktop valuations,’ based on sale prices of similar properties. Others are ‘drive-by valuations,’ where the surveyor will look at the property from the outside, and in some cases, the surveyor will enter the property and look at it in more detail.

However, a valuation report will not highlight any structural problems there may be. It is therefore worth paying for a more comprehensive survey.

Valuation Report

A valuation report does exactly as its name suggests: it determines whether the property you are wanting to buy is worth the amount you have agreed to pay for it. This is primarily for the mortgage lender, so that it knows it the loan will be covered if the property has to be repossessed and sold.

Some valuation reports are ‘desktop valuations,’ based on sale prices of similar properties. Others are ‘drive-by valuations,’ where the surveyor will look at the property from the outside, and in some cases, the surveyor will enter the property and look at it in more detail.

However, a valuation report will not highlight any structural problems there may be. It is therefore worth paying for a more comprehensive survey.

Homebuyer Report

The slightly more expensive homebuyer report will offer greater peace of mind. It is intended to find and document any problems in a property that could cause damage and need future repairs, such as damp or subsidence. The report is carried out on homes that are in a reasonable condition and only checks for easily visible problems.

Homebuyer Report

The slightly more expensive homebuyer report will offer greater peace of mind. It is intended to find and document any problems in a property that could cause damage and need future repairs, such as damp or subsidence. The report is carried out on homes that are in a reasonable condition and only checks for easily visible problems.

Structural survey

A full structural survey is recommended in the following circumstances: 

·       if you have concerns about the structure of the building

·       if you are buying a period property

·       if you are buying a large property

·       if you plan to undertake major works

This report includes information on defects, as well as repair and maintenance options. 

As with the other types of survey, costs will vary, according to the size and location of the property. However, you should realistically expect to pay around £1,000. Whilst it may seem like a significant outlay at this stage, it will prove a justifiable expense, if the report subsequently identifies issues that would cost a great deal more to correct. 

A full structural survey should provide you with all the information you’ll need to decide whether you want to proceed with the purchase, or pull out because it has identified problems you hadn’t anticipated.

Structural survey

A full structural survey is recommended in the following circumstances: 

·       if you have concerns about the structure of the building

·       if you are buying a period property

·       if you are buying a large property

·       if you plan to undertake major works

This report includes information on defects, as well as repair and maintenance options. 

As with the other types of survey, costs will vary, according to the size and location of the property. However, you should realistically expect to pay around £1,000. Whilst it may seem like a significant outlay at this stage, it will prove a justifiable expense, if the report subsequently identifies issues that would cost a great deal more to correct. 

A full structural survey should provide you with all the information you’ll need to decide whether you want to proceed with the purchase, or pull out because it has identified problems you hadn’t anticipated.

Development Finance

Helping you get your plans off the ground

Property Development Finance is a short-term funding vehicle to support any projects from new-build housing developments to modest conversions. 

There are numerous lenders and private funders who offer this type of finance. However, their criteria and appetite differ greatly. Our Mortgage Advisers have the experience and knowledge to assist you with the application process for funding your property development goals. We know which lenders to approach to help you achieve your goals.

Your property may be repossessed if you do not keep up repayments on a mortgage or debt secured on it

Development Finance

Helping you get your plans off the ground

Property Development Finance is a short-term funding vehicle to support any projects from new-build housing developments to modest conversions. 

There are numerous lenders and private funders who offer this type of finance. However, their criteria and appetite differ greatly. Our Mortgage Advisers have the experience and knowledge to assist you with the application process for funding your property development goals. We know which lenders to approach to help you achieve your goals.

Your property may be repossessed if you do not keep up repayments on a mortgage or debt secured on it

Funeral Cover

Knowing Your Funeral Expenses Are Covered

The purpose of a funeral plan is to ensure that your funeral arrangements are taken care of, thereby removing any decision making and unwanted pressure for your loved ones at the time of your passing.

We recommend talking with your family and friends before taking out a plan, in order that your end-of-life wishes are understood, and so that they know who to contact when you die.

A funeral plan is recommended for the following reasons:

  • Peace of mind, knowing that your wishes have been understood and will be followed
  • Save your loved ones from financial burden
  • Remove the stress of funeral arrangements during an emotionally difficult time
  • No need to wait for probate to release savings, or for insurance companies to process a claim

Funeral Cover

Knowing Your Funeral Expenses Are Covered

The purpose of a funeral plan is to ensure that your funeral arrangements are taken care of, thereby removing any decision making and unwanted pressure for your loved ones at the time of your passing.

We recommend talking with your family and friends before taking out a plan, in order that your end-of-life wishes are understood, and so that they know who to contact when you die.

A funeral plan is recommended for the following reasons:

  • Peace of mind, knowing that your wishes have been understood and will be followed
  • Save your loved ones from financial burden
  • Remove the stress of funeral arrangements during an emotionally difficult time
  • No need to wait for probate to release savings, or for insurance companies to process a claim

Home Insurance

Building and contents insurance to protect your home

Buildings Insurance is the most basic of cover and is designed to cover you against physical damage to your property. It is generally a condition of your mortgage contract and is required by most mortgage lenders to comply with the terms and conditions of the loan. However, it is usually acceptable for you to shop around and use the Building Insurance provider of your choice.

We will refer you to a qualified adviser, who will search a wide range of leading insurance companies, to obtain highly competitive quotes which you can compare. They will also explain any special conditions and point out what is and what is not covered, enabling you to make an informed decision as to which policy will suit your needs.

Contents Insurance offers cover against fire, water damage, theft and accidental damage to your personal belongings. As different companies offer different inclusions and exclusions,  you should always check your policy.

There are two main types of Contents Insurance. The first is a "New for Old" insurance. For example, this policy will replace your TV with another one of similar brand, quality etc. The second is known as Indemnity Insurance. This insurance provides cover for what the object is currently worth. Whichever policy you choose, it is important that the sum you insure is an adequate and realistic amount, in case you do need to make a claim.

Home Insurance

Building and contents insurance to protect your home

Buildings Insurance is the most basic of cover and is designed to cover you against physical damage to your property. It is generally a condition of your mortgage contract and is required by most mortgage lenders to comply with the terms and conditions of the loan. However, it is usually acceptable for you to shop around and use the Building Insurance provider of your choice.

We will refer you to a qualified adviser, who will search a wide range of leading insurance companies, to obtain highly competitive quotes which you can compare. They will also explain any special conditions and point out what is and what is not covered, enabling you to make an informed decision as to which policy will suit your needs.

Contents Insurance offers cover against fire, water damage, theft and accidental damage to your personal belongings. As different companies offer different inclusions and exclusions,  you should always check your policy.

There are two main types of Contents Insurance. The first is a "New for Old" insurance. For example, this policy will replace your TV with another one of similar brand, quality etc. The second is known as Indemnity Insurance. This insurance provides cover for what the object is currently worth. Whichever policy you choose, it is important that the sum you insure is an adequate and realistic amount, in case you do need to make a claim.

Investments, Pensions and Tax Planning

 HB Partners works closely with a whole-of-market Independent Financial Adviser (IFA) firm, which specialises in this field.  

Not only have we known this firm for many years, they also look after our own investments and pensions.

Please contact us for further information.

Investments, Pensions and Tax Planning

 HB Partners works closely with a whole-of-market Independent Financial Adviser (IFA) firm, which specialises in this field.  

Not only have we known this firm for many years, they also look after our own investments and pensions.

Please contact us for further information.

Landlords' Insurance

Helping you to protect your investments

As a landlord you aim to generate an income and obtain capital appreciation through your property investments. It therefore makes all the sense in the world that you should protect your investments against the unexpected incidents and events.

What if one of your properties flooded rendering it uninhabitable for the duration of the essential repairs? How would you fund repair works and cover loss of income? Furthermore, if a tenant fails to pay you rent on time, how will your borrowings or a mortgage be settled? What if a resident suffers serious bodily injury, because of an unsafe staircase? As a landlord you have a legal responsibility to provide a safe living environment. Failure to do so could leave you facing a financially crippling public liability claim.

Landlords' insurance is the ideal way to protect your property portfolio and provide you with peace of mind. 

Landlords' Insurance

Helping you to protect your investments

As a landlord you aim to generate an income and obtain capital appreciation through your property investments. It therefore makes all the sense in the world that you should protect your investments against the unexpected incidents and events.

What if one of your properties flooded rendering it uninhabitable for the duration of the essential repairs? How would you fund repair works and cover loss of income? Furthermore, if a tenant fails to pay you rent on time, how will your borrowings or a mortgage be settled? What if a resident suffers serious bodily injury, because of an unsafe staircase? As a landlord you have a legal responsibility to provide a safe living environment. Failure to do so could leave you facing a financially crippling public liability claim.

Landlords' insurance is the ideal way to protect your property portfolio and provide you with peace of mind. 

Lifestyle Concierge

 HB Partners works closely with companies offering a range of personal and commercial services under the banner of “Lifestyle Concierge”. These services include: 

  • Personal assistant services; shopping, gift buying, event booking; accompanying
  • Bank account management: reviewing interest paid, charges, standing orders, direct debits and unknown payments. 
  • Diet & Nutrition, Health & Wellbeing
  • Property maintenance e.g. plumbing, electrical & gardening.
  • Cars; Buying, Selling, Leasing & Renting
  • Holiday & Travel booking
  • Event management
  • PR, including social media management

Please contact us for further information.

Lifestyle Concierge

 HB Partners works closely with companies offering a range of personal and commercial services under the banner of “Lifestyle Concierge”. These services include: 

  • Personal assistant services; shopping, gift buying, event booking; accompanying
  • Bank account management: reviewing interest paid, charges, standing orders, direct debits and unknown payments. 
  • Diet & Nutrition, Health & Wellbeing
  • Property maintenance e.g. plumbing, electrical & gardening.
  • Cars; Buying, Selling, Leasing & Renting
  • Holiday & Travel booking
  • Event management
  • PR, including social media management

Please contact us for further information.

Non-Executive Directorial Services

Non-Executive Directors (NED’s) provide independent oversight and advice to management teams and Boards of companies, whether they be start-up’s or established businesses. Not only are HB Partners Non-Exec Director’s themselves, but they also have access to an extensive resource of other experienced Non-Exec Director’s offering skills such as Management, Sales, Marketing, HR and Finance.

Please contact us for further information.

Non-Executive Directorial Services

Non-Executive Directors (NED’s) provide independent oversight and advice to management teams and Boards of companies, whether they be start-up’s or established businesses. Not only are HB Partners Non-Exec Director’s themselves, but they also have access to an extensive resource of other experienced Non-Exec Director’s offering skills such as Management, Sales, Marketing, HR and Finance.

Please contact us for further information.

Philanthropy, Charities & Not for Profit

Working with our IFA partners, HB Partners supports our clients' desire to make charitable donations in the most tax-efficient manner possible.

Please contact us for further information.

Philanthropy, Charities & Not for Profit

Working with our IFA partners, HB Partners supports our clients' desire to make charitable donations in the most tax-efficient manner possible.

Please contact us for further information.

Redundancy A.S.U. Cover

Accident, Sickness & Unemployment Cover

HB Partners offers ASU cover to safeguard your monthly outgoings, such as mortgage, loan and insurance policy payments, in the event of you being unable to work through injury, sickness or redundancy.

ASU policies will pay out a monthly benefit for 12-24 months, or until return to work, whichever happens first. 

Alternatively, we offer just accident and sickness cover to keep the monthly premium lower.

The uncertainty around redundancy can be stressful. There are certain insurance companies who will offer standalone unemployment cover. We will be happy to research and identify the ideal quote for your situation.

Contact us to arrange an overview of your protection requirements, to ensure you are fully protected.

Redundancy A.S.U. Cover

Accident, Sickness & Unemployment Cover

HB Partners offers ASU cover to safeguard your monthly outgoings, such as mortgage, loan and insurance policy payments, in the event of you being unable to work through injury, sickness or redundancy.

ASU policies will pay out a monthly benefit for 12-24 months, or until return to work, whichever happens first. 

Alternatively, we offer just accident and sickness cover to keep the monthly premium lower.

The uncertainty around redundancy can be stressful. There are certain insurance companies who will offer standalone unemployment cover. We will be happy to research and identify the ideal quote for your situation.

Contact us to arrange an overview of your protection requirements, to ensure you are fully protected.

Wills

Planning For The Future

All Will enquiries are passed to a trusted third party company, who work alongside HB Partners Ltd.

If you do not have a Will in place, you have no say over what happens to your assets when you pass away, and this can cause many difficulties for your loved ones and dependents.

It is particularly important to have a Will in place if you own your own property, are married, have entered into a civil partnership, have a Long-term partner or dependents. Alternatively, you may wish for a non-family member to benefit in your Will. By making a Will, you can stipulate how you would like your assets to be distributed in the event of your death – giving you and your family protection and peace of mind.

There is a general misconception that if you are married or have entered into a civil partnership, your spouse or civil partner will automatically inherit everything you own upon your death.  This is not the case.  On the contrary, the law sets out how assets are distributed in the Law of Intestacy. These laws may not represent your wishes, which is why it is important that you consider setting up a will, to ensure that your wishes are followed.  The law makes no provision for a partner, if you are not married or in a civil partnership, even if you have lived together as a couple for many years.

Wills

Planning For The Future

All Will enquiries are passed to a trusted third party company, who work alongside HB Partners Ltd.

If you do not have a Will in place, you have no say over what happens to your assets when you pass away, and this can cause many difficulties for your loved ones and dependents.

It is particularly important to have a Will in place if you own your own property, are married, have entered into a civil partnership, have a Long-term partner or dependents. Alternatively, you may wish for a non-family member to benefit in your Will. By making a Will, you can stipulate how you would like your assets to be distributed in the event of your death – giving you and your family protection and peace of mind.

There is a general misconception that if you are married or have entered into a civil partnership, your spouse or civil partner will automatically inherit everything you own upon your death.  This is not the case.  On the contrary, the law sets out how assets are distributed in the Law of Intestacy. These laws may not represent your wishes, which is why it is important that you consider setting up a will, to ensure that your wishes are followed.  The law makes no provision for a partner, if you are not married or in a civil partnership, even if you have lived together as a couple for many years.

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