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Coronavirus update: business as usual

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We are still open throughout the ongoing Coronavirus pandemic. 

Family law is still a vital aspect of many of our lives, and the courts will still handle urgent business. The Courts have stated that that urgent business includes: 

  • New applications for child protection orders
  • Interim interdicts
  • child referral appeals
  • urgent adoptions
  • urgent interim residence or contact applications 
  • and urgent applications in relation to Adults with Incapacity.

This means many cases can still proceed through court including urgent disputes regarding the living arrangements of children, social work cases and more. 

Many cases can be progressed as normal outside of court.  In particular, separation and divorce matters can often be finalised without any court intervention whatsoever.

Since our founding we have operated a paperless way of working.  We are able to progress the cases of new and existing clients remotely during these unprecedented times.  We can receive documents via email, WhatsApp and more.  We can offer appointments by telephone, FaceTime, Skype, WhatsApp or Zoom. 

Please contact our office on 0141 404 6575  to arrange an appointment to discuss the best approach for your case.

 

First-time buyers account for half of all house purchases in Scotland

There were more than 34,500 first-time buyers in Scotland in 2018; an increase of 56 per cent from the 22,100 recorded a decade ago, according to the latest figures. Up 13 per cent from 2008, first-time buyers now account for 50 per cent of all house purchases with a mortgage, the Bank of Scotland statistics conclude.

For a typical first home in 2018, the average price paid was £141,671; a rise of 19 per cent (or £22,269) from 2008’s average price of £119,402. The data discovered that Scotland’s capital had the highest average price of all local authority districts at £196,091.

Other regions surpassing Scotland’s average home price were:

  • East Dunbartonshire (£192,198),
  • East Renfrewshire (£188,165),
  • East Lothian (£175,712) and
  • Aberdeenshire (£168,898).

While Glasgow City managed to beat Scotland’s average house price by a couple of thousand pounds (£144,683), North Lanarkshire fell below the national average at £111,064.

Average deposits on first homes

The average deposit in Scotland has increased 11 per cent (or £2,042) over the past ten years, from £17,910 to £19,952 last year, according to the Bank of Scotland research. Although Wales was recorded as paying the lowest average deposit across the UK (£16,701), Scotland’s average deposit of £19,952 is just over half of the UK-wide average (£33,352).

Scotland’s capital had the highest average deposit in Scotland of £27,716.10. This was closely followed by:

  • East Dunbartonshire (£27,067.92),
  • East Renfrewshire (£26,499.89),
  • East Lothian (£24,746.10) and
  • Aberdeenshire (£24,607.26).

The lowest deposits in Scotland were found in East Ayrshire (£13,291.29), Inverclyde (£13,948.89), North Ayrshire (£14,034.31), West Dunbartonshire (£14,746.54) and North Lanarkshire (£15,641.57).

In Scotland, the average deposit put down by a first-time buyer has dropped from 25 per cent of the purchase price in 2009 to 14 per cent in 2018.

Properties with two bedrooms have been the most common type of choice for first-time buyer’s in the past decade, accounting for more than four in 10 mortgages for first homes in Scotland last year.

Ricky Diggins, Bank of Scotland director, concluded on the findings:

‘With a much lower deposit required north of the border, first-time buyers in Scotland will have to put down a lot less to get the keys to their first home, especially those in East Ayrshire – the UK’s most affordable place for first-time buyers. Those looking for their first place in Edinburgh can expect to pay more than double that.’

The most affordable local authority district in Scotland is East Ayrshire – with an average price for a first home at £94,376; three times the average gross annual income. On the other hand, the least affordable local authority district is Midlothian. With property prices at £168,898, this figure is 5.3 times the local gross annual earnings in Midlothian.

Contact our Property Lawyers Coatbridge & Glasgow, Scotland

If you are considering buying or selling your property in Scotland, it is imperative you get in contact with a professional conveyancing solicitor via the online enquiry form

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