The small print
The only Perthshire estate agent available 7 days until 9pm
Under the EU’s General Data Protection Regulation (GDPR) Personal Data is defined as “any information relating to an identified or identifiable natural person (‘data subject’); an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person”.
Special Categories of Personal Data:
Certain data are classified under the Regulation as “special categories”:
The Organisation processes both types of personal data, but it must be explicitly given where we are asking you for sensitive personal data, we will always tell you why and how the information will be used.
The Organisation will collect the information you provide in a manner that is compatible with the EU’s General Data Protection Regulation (GDPR), examples of personal information may include (but is not limited to) your name, address, telephone number(s), email address(es) and other general lifestyle information.
Our aim is not to be intrusive, and we undertake not to ask irrelevant or unnecessary questions. Moreover, the information you provide will be subject to rigorous measures and procedures to minimise the risk of unauthorised access or disclosure.
Personal information can be collected in a variety of different ways, which can include but are not limited to: –
In addition, if you have agreed that we can, we also collect Cookies and other similar Technologies.
The Organisation will use information you provide in a manner that is compatible with the EU’s General Data Protection Regulation (GDPR). The below lawful basis allows The Organisation to perform these actions. In any event, we are committed to ensuring that the information we collect, and use is appropriate for the below purposes and does not constitute an invasion of your privacy.
You can opt out of receiving marketing and promotional materials from The Organisation at any time by contacting the branch you have registered with.
We may collect and process personal information about yourself, to: –
We process your personal information in this way, as it is necessary for the purposes of our legitimate interests in ensuring we have accurate information about you in one place.
This is necessary for the purposes of our legitimate interest in analysing our brand and providing better products and services for you and our other customers.
This is necessary for the purposes of our legitimate interests in ensuring we are not the victim of fraud and to protect our legal rights.
We will process your personal information in this way, if it is necessary for either the performance of a contract, if it is required for us to comply with any legal obligations it is necessary for the purposes of our legitimate interests in ensuring we can provide the best service possible.
This is necessary for the purposes of our legitimate interests in ensuring we are protecting our customers and staff.
This is necessary for the purposes of our legitimate interests in understanding how our business is performing and consider performance improvements.
This is necessary for the purposes of both our legitimate interests and that of the candidate, should a suitable position arise in the future.
This section of the Privacy Notice is only relevant to the extent that we are providing you with mortgage, protection and/or insurance services.
Next Home (Scotland) Limited is an appointed representative of Kingsgate Law Limited (KGL) , which is authorised and regulated by the Financial Conduct Authority (FCA). KGL have responsibility for monitoring the quality of the advice that we provide to you in relation to your mortgage, protection and/or insurance products, where those products are regulated by the FCA. We therefore share your personal information with KGL to allow them to process these services for The Organisation. In the course of handling your information and your Special Data/Criminal Disclosures, KGL will:
The Organisation will store the information you provide in a manner that is compatible with the EU’s General Data Protection Regulation (GDPR). We will endeavour to keep your information accurate and up to date and not keep it for longer than is necessary. In some instances, the law sets the length of time information must be kept, but in most cases The Organisation will use its discretion to ensure that we do not keep records outside of our normal business requirements.
The Organisation will hold data supplied for the following retention periods, for both sales and lettings;
If you have an Account on our website and it has been deemed dormant then we may delete the Account and all personal information ‘tied to’ or ‘held against’ it. We consider an account to be dormant if one of the following conditions is met;
We treat your personal information with care and confidentiality and do not share it with third parties other than for the reasons set out below;
Our contractors are obliged to keep your details securely and use them only to fulfil the service they provide you on our behalf. Once your service need has been satisfied or the case has been closed, they will dispose of the details in line with GDPR Requirements. If we wish to pass your sensitive personal data onto a third party we will only do so once we have obtained your consent, unless we are legally required to do so.
Overseas transfers of your personal information
We may transfer and process your personal information in locations outside the UK and the European Economic Area (EEA). Where the countries to which your personal information is transferred do not offer an equivalent level of protection for personal information to the laws of the UK, we will ensure that appropriate safeguards are put in place.
We’ll use one of these safeguards;
By submitting your personal data to us, you agree to this transfer, storing or processing.
Right to Rectification
We aim to keep our information about you as accurate as possible. If you would like to review or change the details you have supplied us with, you may do so at any time by;
Public forums and chat rooms
The Organisation’s web sites may make chat rooms, forums, message boards, and/or news groups available to its users. Any information that is disclosed in these areas becomes public information and you should always be careful when deciding to disclose your personal information. Please keep in mind that whenever you voluntarily disclose personal information online your information can be collected and used by others. Therefore, if you post personal information online that is accessible to the public, you may receive unsolicited messages in return. We cannot control the actions of any third parties.
Third Party Sites
Access Rights / Data Portability
You have a right to access the personal data that is held by The Organisation about you, and request that this is ported to another company. To process this request, The Organisation may require proof of identity. To obtain a copy of this information, or make a request, please contact the branch you have registered with, in the first instance. The Organisation may charge a fee if requests are manifestly unfounded or excessive.
Right to be Forgotten / Restrict Processing
You have a right to be forgotten or restrict processing, this means that all data that is held by The Organisation about you is erased. To process this request, The Organisation may require proof of identity. To request this please contact the branch you have registered with, in the first instance. Right to Object
You have a right to object to having your personal data used for direct marketing purposes. You can opt out of receiving marketing and promotional materials from The Organisation at any time by contacting the branch you have registered with, in the first instance. If you have another query relating to your information, please contact the branch you have registered with, in the first instance.
If you have consented, we may store some information (commonly known as a “cookie”) on your computer when you look at our website.
Cookies are small pieces of information sent by a web server to a web browser, which enables the server to collect information from the browser. You can find out more about the way cookies work at www.allaboutcookies.org
You can erase or block cookies from your computer. To find out how to do this please see the “How to delete cookies” page on the www.allaboutcookies.org website or use your help screen or manual which should tell you how to do this. Please be aware that if you erase or block cookies or set your browser not to accept cookies, then the majority of the website will be inaccessible to you.
When you visit our website, we automatically log your IP address (the unique address which identifies your computer on the internet) which is recognised by our web server. We also automatically log the date and time of the page request, the type of website browser that you are using, the referring website (if any) and other parameters in the URL (e.g. search criteria).
We use this information to help us administer the site and to collect broad demographic information for aggregate use. We use this data to better understand website usage, so we know what areas of our website users prefer. This information is stored in log files and is used for aggregated and statistical reporting. This information is only used to assist us in providing an effective service on our sites and will not be attributed to you as an individual.
We may from time to time supply the owners or operators of third party sites from which it is possible to link to our sites with information relating to the number of users linking to our sites from their sites. You cannot be identified from this information.
Feedback & Complaints in connection with GDPR (General Data Protection Regulation)
If you have any questions or concerns, please contact the branch you have registered with in the first instance.
In the unlikely event that we are unable to satisfy your concerns, you have the right to complain directly to the Information Commissioners Office. Concerns can be raised on their website (https://ico.org.uk/concerns/) or via telephone on (0303 123 1113).
We recognise industry standards and employ security safeguards to protect information from unauthorised access and misuse.
Downloads and Media
Any downloadable documents, files, images, video files etc. on our Website or via email are provided to you at your own risk. We take all reasonable precautions to ensure that such files are free of viruses, but we recommend that you use anti-virus software as a precaution. We accept no responsibility for downloads and media provided by external third-party websites.
DATA PROTECTION POLICY
For a full list of members please contact the branch you have registered with in the first instance.
The Organisation needs to collect and use certain types of information about staff, clients and other individuals who come into contact with the company in order to operate. In addition, it may be required by law to collect and use certain types of information to comply with statutory obligations of Local Authorities, government agencies and other bodies.
This personal information must be dealt with properly however it is collected, recorded and used – whether on paper, in a computer, or recorded on other material – and there are safeguards to ensure this is within the EU General Data Protection Regulation and the Data Protection Act 1998.
We regard the lawful and correct treatment of personal information as very important to successful operations, and to maintaining confidence between those with whom we deal and ourselves. We ensure that our Organisation treats personal information lawfully and correctly.
Most businesses hold personal data on their customers, employees and partners. The explosion in the use of the Internet, electronic communication and computerisation of business data has led to an increase in the importance of privacy. Breaches of computerised data security have prompted the introduction of legislation on a national and European level.
The General Data Protection Regulation 2016 replaces the EU Data Protection Directive of 1995 and supersedes the laws of individual Member States that were developed in compliance with the Data Protection Directive 95/46/EC. Its purpose is to protect the “rights and freedoms” of living individuals, and to ensure that personal data is not processed without their knowledge, and, wherever possible, that it is processed with their consent.
The Partners and Directors of The Organisation are strongly committed to the rights of individuals whose data they collect and process and will comply with UK and EU laws related to personal information in- line with the EU General Data Protection Regulation (GDPR).
To achieve this the Partners and Directors of The Organisation have implemented a Personal Information Management System (PIMS) which is maintained and improved continuously.
The scope of the PIMS for The Organisation may cover the whole of the organisation or a specific part of The Organisation defined by Partners and Directors. The scope needs to consider location of operations, jurisdiction, and management responsibilities.
The PIMS, that the Partners and Directors of The Organisation has implemented, meets its requirements under EU GDPR for the management of personal information and is continuously maintained and improved. The PIMS also ensures that the objectives of The Organisation and obligations under the law are met and ensures that controls are in place that reflect the level of risk that The Organisation is willing to accept. In addition, the PIMS ensures that The Organisation is able to meet all the regulatory, statutory and contractual obligations that are applicable. Most importantly the PIMS enables The Organisation to protect the interests of individuals and all other relevant stakeholders.
To comply with the requirements of GDPR The Organisation will:
Notification to the Information Commissioners Office (ICO)
The Organisation has notified the Information Commissioner that it is a data controller and/or processor and that it processes personal data. The Organisation has identified and recorded all the personal data that it processes in the Data Register.
A record of registration to the ICO is retained by The Organisation Compliance Officer. This registration is reviewed annually, and update notifications issued accordingly.
The Partners and Directors of The Organisation are responsible for reviewing the details of notification to ensure that any changes to the way The Organisation’s processes or controls personal data is (as determined by changes to the Data Register and following management review) are referred to the ICO. Additional requirements for notification may also arise from Personal Data Impact Assessments.
The policy applies to all Employees and Processors of The Organisation such as outsourced suppliers. Any breach of the GDPR or this PIMS will be considered as a breach of the disciplinary policy and could also be considered a criminal offence, potentially resulting in prosecution.
All third parties working with or for The Organisation, and who have or may have access to personal information, are expected to comply with this policy. All third parties who require access to personal data are required to sign a confidentiality agreement before access is permitted. This agreement ensures that the third party has the same legal obligations as The Organisation. This also includes an agreement that The Organisation can audit compliance with the agreement.
GPDR applies to all controllers that are established in the EU (European Union) who process the personal data of data subjects, in the context of that establishment. It also applies to controllers outside of the EU that process personal data in order to offer goods and services or monitor the behaviour of data subjects who are resident in the EU.
The location, for the purposes of GDPR, of any data controller located in the EU will be the place where the controller makes the key decisions related to the data processing purpose.
Any data controller that is not located within the EU, is required to appoint a representative in a location that is under the jurisdiction that applies to the data that is being used in order to act on behalf of the controller and engage with the appropriate supervisory authorities for that location.
Personal data – this is defined as any information relating to an identified or identifiable natural person (‘data subject’); an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.
Special categories of personal data – personal data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade-union membership, and the processing of genetic data, biometric data for the purpose of uniquely identifying a natural person, data concerning health or data concerning a natural person’s sex life or sexual orientation.
Data controller – the natural or legal person, public authority, agency or other body which, alone or jointly with others, determines the purposes and means of the processing of personal data; where the purposes and means of such processing are determined by Union or Member State law, the controller or the specific criteria for its nomination may be provided for by Union or Member State law.
Data subject – any living individual who is the subject of personal data held by an organisation.
Processing – any operation or set of operations which is performed on personal data or on sets of personal data, whether or not by automated means, such as collection, recording, organisation, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction.
Profiling – is any form of automated processing of personal data intended to evaluate certain personal aspects relating to a natural person, or to analyse, or predict that person’s performance at work, economic situation, location, health, personal preferences, reliability, or behaviour. This definition is linked to the right of the data subject to object to profiling and a right to be informed about the existence of profiling, of measures based on profiling and the envisaged effects of profiling on the individual.
Personal data breach – a breach of security leading to the accidental, or unlawful, destruction, loss, alteration, unauthorised disclosure of, or access to, personal data transmitted, stored or otherwise processed. There is an obligation on the controller to report personal data breaches to the supervisory authority and where the breach is likely to adversely affect the personal data or privacy of the data subject.
Data subject consent – means any freely given, specific, informed and unambiguous indication of the data subject’s wishes by which he or she, by a statement or by a clear affirmative action, signifies agreement to the processing of personal data.
Third party – a natural or legal person, public authority, agency or body other than the data subject, controller, processor and persons who, under the direct authority of the controller or processor, are authorised to process personal data.
Filing system – any structured set of personal data which is accessible according to specific criteria, whether centralised, decentralised or dispersed on a functional or geographical basis.
The Organisation is a data controller and data processor as defined under the GDPR
Partners and Directors and all those in managerial or supervisory roles throughout The Organisation are responsible for developing and encouraging good information handling practices within the organisation; responsibilities are set out in individual job descriptions.
A Data Protection Organiser is accountable to the Partners and Directors of The Organisation for the management of personal information within The Organisation and for ensuring that compliance with data protection legislation and good practice can be demonstrated. This accountability includes the development and implementation of the PIMS and security and risk management to ensure compliance.
The Organisation has appointed a suitably qualified and experienced Data Protection Organiser who is responsible for day to day compliance with this policy. The Data Protection Organiser is responsible for ensuring that The Organisation complies with the GDPR in relation to all aspects of data processing. The Data Protection Organiser has direct responsibility for policy and procedures, including Subject Access Requests. The Data Protection Organiser is also the person to whom all staff will go to seek guidance regarding GDPR compliance.
It should be noted that compliance with GDPR requirements remains the responsibility of all staff who process or control personal information for The Organisation. All members of staff employed by The Organisation are also responsible for ensuring that their own personal data is accurate and up-to-date.
The Organisation defines specifically what training is required for all staff.
Risk Assessment in relation to GDPR
The Organisation needs to ensure that it is aware of any risks associated with the processing of all types of personal information. A Risk Assessment procedure has been implemented and is used by The Organisation to assess any risk to individuals during processing of their personal information. Assessments will also be completed by The Organisation for any processing that is undertaken on their behalf by any third-party organisation. The Organisation will also, through the application of the Risk Assessment procedure, ensure that any identified risks are managed appropriately to reduce the risk of non-compliance.
Where processing of personal information may result in a high risk to the “rights and freedoms” of natural persons, The Organisation shall complete a data protection impact assessment, prior to conducting the processing, to ensure the personal information is protected. This assessment may also be used to apply to a number of similar processing scenarios with a similar level of risk.
Where, as a result of a Data Protection Impact Assessment, it is clear that The Organisation will process personal information in a manner that may cause damage and/or distress to the data subjects, the Data Protection Organiser must review the process before The Organisation proceeds to process the information. If the Data Protection Organiser decides that there are significant risks to the data subject, they will escalate to the ICO for final guidance.
Principles of Data Protection
Any processing of personal data must be conducted in accordance with the following data protection principles of the Regulation, and The Organisation’s policies and procedures within the PIMS will ensure compliance.
Personal data must be processed lawfully, fairly and transparently. The Organisation’s Fair Processing Procedure details how this is achieved.
The GDPR introduces the requirement for transparency whereby the controller has transparent and easily accessible policies relating to the processing of personal data and the exercise of individuals’ “rights and freedoms”.
Information must be communicated to the data subject in an intelligible form using clear and plain language.
The specific information that must be provided to the data subject must as a minimum include:
Personal data can only be collected for specified, explicit and legitimate purposes. Data obtained for specified purposes must not be used for a purpose that differs from those formally notified to the Information Commissioner as part of The Organisation’s GDPR registration.
Personal data must be adequate, relevant and limited to what is necessary for processing. The Data Protection Organiser is responsible for ensuring that information, which is not strictly necessary for the purpose for which it is obtained, is not collected.
All data collection methods (electronic or paper-based), including data collection requirements in new information systems, must be approved by the Data Protection Organiser and approval recorded.
The Data Protection Organiser will ensure that all data collection methods are reviewed annually by internal audit or external experts to ensure that collection continues to be adequate, relevant and not excessive.
The Data Protection Organiser is responsible for ensuring that any data that is shown to have been obtained excessively, or is not specifically required by The Organisation, is securely deleted or destroyed in line with the Data Handling Procedure.
Personal data must be accurate and kept up to date.
Data that is kept for a long time will be reviewed and updated as necessary. Any data that is considered to be inaccurate or likely to be inaccurate will be removed.
Partners and Directors of The Organisation are responsible for ensuring that all staff are trained in the importance of collecting accurate data and maintaining it.
All individuals are responsible for ensuring that any data held by The Organisation is accurate and up-to-date. Any data submitted by an individual to a company, such as via a registration form, will be considered to be accurate at the time of receipt.
Customers, Suppliers or other individuals should notify The Organisation of any changes in personal information to ensure personal information is kept up to date. Instructions for updating records can be obtained by contacting your local branch. It is the responsibility of The Organisation to ensure that any notification of changes to personal information is implemented.
Employees should notify The Organisation of any changes in personal information to ensure personal information is kept up to date. Instructions for updating records can be obtained by contacting The Organisation’s Payroll Department. It is the responsibility of The Organisation to ensure that any notification of changes to personal information is implemented.
All staff are responsible for ensuring that all necessary actions are taken to ensure personal information is accurate and up to date. This should also take into account the volume of data collected, the speed with which it might change and any other relevant factors.
The Data Protection Organiser will review, at least once a year, all the personal data processed by The Organisation, held in the Data Register. The Data Protection Organiser will note any data that is no longer required in the context of the registered purpose and will ensure that it is appropriately removed and securely disposed of in line with the Data Handling Procedure.
If The Organisation have provided inaccurate or out-of-date personal information to a third-party, our staff are responsible for informing them that the personal information is inaccurate and/or out-of-date and advise them that the information should no longer be used. Our staff should also ensure that any correction to the personal information is passed on to the third party.
Personal Data Considerations
Personal data is kept in a form such that the data subject can be identified only as long as is necessary for processing.
Where personal data is retained beyond the processing date, it will be either minimised, encrypted or pseudonymised in order to protect the identity of the data subject in the event of a data breach.
Personal data will be retained in line with the retention of records procedure and, once its retention date is passed, it must be securely destroyed as set out in The Organisation’s Data Handling Procedure.
The Data Protection Organiser must specifically approve any data retention that exceeds the retention periods defined in the Retention of Records procedure, (PIMS06. Retention of Records) and must ensure that the justification is clearly identified and in line with the requirements of the data protection legislation. This approval must be written.
Personal data must be processed in a manner that ensures its security.
Appropriate technical and organisational measures shall be taken against unauthorised or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data. These controls have been selected on the basis of identified risks to personal data, and the potential for damage or distress to individuals whose data is being processed. Security controls will be subject to audit and review.
Personal data shall not be transferred to a country or territory outside the European Union Member States unless that country or territory ensures an adequate level of protection for the ‘rights and freedoms’ of data subjects in relation to the processing of personal data.
The transfer of personal data outside of the EU Member States is prohibited unless one or more of the specified safeguards or exceptions apply.
An assessment of the adequacy by the data controller taking into account the following factors:
Binding corporate rules
The Organisation may adopt approved Binding Corporate Rules for the transfer of data outside the EU Member States. This requires submission to the relevant Supervisory Authority for approval of the rules that The Organisation is seeking to rely upon.
Model contract clauses
The Organisation may adopt approved model contract clauses for the transfer of data outside of the EU Member States. If The Organisation adopts the model contract clauses approved by the relevant Supervisory Authority, there is an automatic recognition of adequacy.
In the absence of an adequacy decision, including binding corporate rules, for the transfer of personal data to a third country, or an international organisation, it shall take place only on one of the following conditions:
A list of countries that satisfy the adequacy requirements of the Commission are published in the Official Journal of the European Union and in the GDPR 2016.
The GDPR states that the data controller is not only responsible for ensuring compliance but for demonstrating that each processing operation complies with the requirements of the GDPR. As a result, controllers are required to keep all necessary documentation of all processing operations and implement appropriate security measures. They are also responsible for completing Data Processing Impact Assessments (DPIAs), complying with requirements for prior notifications, or approval from supervisory authorities and ensuring a Data Protection Officer is appointed if required.
Data subjects’ rights
Data subjects have the following rights regarding data processing, and the data that is recorded about them:
Data subjects may make data access requests as described in the Subject Access Requests procedure, (PIMS05. Subject Access Requests). This procedure also describes how The Organisation will ensure that its response to the data access request complies with the requirements of the Regulation.
The Organisation understands ‘consent’ to mean that it has been explicitly and freely given, specific, informed and unambiguous indication of the data subject’s wishes by which he or she by statement, or by a clear affirmative action, signifies agreement to the processing of personal data relating to him or her. The consent of the data subject can be withdrawn at any time.
In addition, The Organisation understands ‘consent’ to mean that the data subject has been fully informed of the intended processing and has signified their agreement, while in a fit state of mind to do so and without pressure being exerted upon them. Consent obtained under duress or on the basis of misleading information will not be a valid basis for processing. There must be some active communication between the parties which demonstrate active consent. Consent cannot be inferred from non-response to a communication. For sensitive data, explicit written consent (PIMS22. Data Subject Consent Form) of data subjects must be obtained unless an alternative legitimate basis for processing exists.
Consent to process personal and sensitive data is obtained routinely by The Organisation using standard consent documents.
All The Organisation Staff that are responsible for any personal data which The Organisation holds must keep it secure and ensure that it is not disclosed under any conditions to any third party unless that third party has been specifically authorised by The Organisation to receive that information and has entered into a Data Processing Agreement.
All personal data is accessible only to those who need to use it, and access may only be granted in line with the IT Security and Data Access Policy. A judgment based upon the sensitivity and value of the information in question is made, but personal data is kept:
Care is taken to ensure that PC screens and terminals are not visible except to authorised Staff of The Organisation.
Records, whether stored electronically or on paper, are not left where they can be accessed by unauthorised personnel and are not removed from business premises without explicit authorisation, where appropriate Staff are specifically authorised to process data off-site. As soon as records are no longer required for day-to-day client support, they are removed for secure archiving in line with our internal procedures.
Personal data may only be deleted or disposed of in line with the Data Retention Procedure PIMS06 Retention of Records. Manual records that have reached their retention date are to be destroyed and disposed of as ‘confidential waste’. Hard drives of redundant PCs are removed and immediately destroyed as required by the Data Handling Procedure before disposal.
Rights of access to data
Disclosure of data
The Organisation must ensure that personal data is not disclosed to unauthorised third parties which includes family members, friends, government bodies, and in certain circumstances, the Police. All Employees/Staff should exercise caution when asked to disclose personal data held on another individual to a third party and will be required to attend specific training that enables them to deal effectively with any such risk. It is important to bear in mind whether or not disclosure of the information is relevant to, and necessary for, the conduct of The Organisation’s business.
GDPR permits a number of exemptions where certain disclosure without consent is permitted, as long as the information is requested for one or more of the following purposes:
All requests to provide data for one of these reasons must be supported by appropriate paperwork and all such disclosures must be specifically authorised by the Data Protection Organiser.
Retention and disposal of data
Personal data is not retained for longer than it is required in accordance with our Policy. Some data will be kept for longer periods than others. The Organisation’s data retention and data disposal procedures (PIMS06. Retention of Records & PIMS06d. Data Handling Procedure) will apply in all cases.
Disposal of records
Personal data is disposed of in a way that protects the “rights and freedoms” of data subjects (e.g. shredding, disposal as confidential waste, secure electronic deletion) and in line with the secure disposal procedure (Data Handling Procedure).E-mail and Internet privacy
E-mail and Internet privacy
The inappropriate use of e-mail and the Internet by employees, e.g. using the Internet for non-work purposes, can have significant consequences for our Organisation. This can be in terms of:
To avoid inappropriate usage, we have introduced security electronic safeguards. A firewall checks, guarantees and manages e-mail attachments.
Acceptable use of E-mail and the Internet
The Organisation’s employees are kept fully informed about overall information security procedures and the importance of their role within these procedures. Similarly, manual filing systems are held in secure locations and only authorised employees can access them.
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This developer offers a Part Exchange service which means you can have an offer for your home in just a few days. All you have to do is provide us with details of your property and leave the rest to us.
We’ll arrange valuations, provide you with a fair market price for your property and once you’ve accepted, we’ll liaise with solicitors to complete the purchase alongside the purchase of your new home. Getting you moving quickly. Your Next Home specialist advisor will be a consistent point of contact throughout the process. We’ll keep you well informed as well as continually offering any help and advice.
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Part Exchange is available on selected developments and selected homes only. Subject to status and availability, terms and conditions apply. Please ask us for full details.
You can relax knowing that if your current property hasn’t sold before the completion date on your new home, we’ll buy it at an agreed price.
It takes away the worry of selling your home by providing a safety net, saving you time, worry and the costs of bridging loans.
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Legal information: Assured Sale is available on selected developments and selected plots only. Subject to status and availability, terms and conditions apply. Please ask us for full details.
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If you are completing a re-mortgage of your existing property, we will be able to handle the necessary conveyancing for you and provide a comprehensive quote for the costs which might be incurred and explain the procedures involved.
Once the time comes for you to repay your mortgage in full, we can give you advice and assist with the discharge of your mortgage.
Let Next Law guide you through the legal process of selling your home. Whether you have agreed a private sale, marketing your property through your Estate Agent, or are simply contemplating a sale, our experienced solicitors can give you independent advice from the outset.
Next Law have an exclusive association with Next Home Estate Agents, the market leaders in the Perthshire property market. When you choose Next Law and Next Home, you have an experienced, powerful team working closely and efficiently for you. We are experts in our respective property fields. Let us both take the stress out of the sale of your home.
For most people, buying a house or flat is their biggest financial transaction. Our experienced solicitors will help guide you through the process.
Next Law work closely with Next Mortgages, the biggest financial services team in Perthshire. They are experienced independent mortgage advisors who have access to some of the best mortgage deals available. They can also advise on Help to Buy, Shared Equity, the Lift Scheme and seek the necessary agreement in principal from the mortgage lender to allow you to then proceed to make an offer for a property. Many of our clients highlight the benefit to them of their mortgage advisor and solicitor working closely together. If you would like to be put in touch with an independent mortgage advisor at Next Mortgages, please contact us and we can arrange for a member of their experienced team to provide you with no obligation information and advice in relation to the mortgage process.
Our highly experienced solicitors also have expertise in dealing with the Government funded Lift Scheme and Help to Buy Scheme.
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The Help to Buy (Scotland) scheme means people can purchase a new-build home without the need for a large deposit.
If you want to buy a new build home but can’t afford the total cost, you might be able to get help through the Help to Buy (Scotland) Affordable New Build scheme. The scheme is open to first time buyers and existing homeowners and helps you with up to 15% of the purchase price of a new build home.
Contact our Mortgage Specialist, to discuss the best rates on the market today
The scheme is not available to assist buy-to-let investors. You may not part-exchange your existing home with a home builder and buy a new home from them. The scheme is not available to assist with the purchase of self-build homes. You cannot purchase a property that is not a new build property. If you or your partner already owns a home i.e. where either of you are named on the title deeds of a domestic property, you cannot conclude your Help to Buy (Scotland) Affordable New Build Scheme transaction until your other home has been sold. You cannot buy a home from a home builder who is not registered to participate in the scheme. You must reserve a property and obtain a full Reservation Agreement before applying to the scheme. You cannot buy a home for more than the threshold prices for the scheme which apply for the financial year in which you complete the purchase. You must take out a repayment mortgage with a participating lender , unless you are aged 60 or over. Missives for the purchase of your home must be concluded on your behalf no later than 3 months after the date that you are issued with an Authority to Proceed Letter. The purchase of your home (i.e. when you pay the purchase price to the home builder and receive the keys to your new home) must complete within 9 months of the date of the issue of your Authority to Proceed Letter, otherwise you will cease to be eligible to receive financial assistance under the scheme towards the purchase of your home.
Low-cost Initiative for First Time Buyers (LIFT)
There are two LIFT schemes available that we can assist you with:
1. The Open Market Shared Equity (OMSE) Scheme aims to help first time buyers onto the property ladder with the minimum capital outlays and is a fantastic way of getting on the property ladder for many people who thought it wasn’t possible. There is now NO RESTRICTION to the size of the home you can purchase based on your family size, only the Threshold Prices in your area set out by the Scottish Government.
2. The New Supply Shared Equity scheme (NSSE), which helps people buy a new-build home from a council or housing association. This scheme can also be applicable to those who have previously own a home but has had a significant change in circumstances e.g. a martial breakdown.
How does the LIFT scheme work? First time buyers can literally purchase any property on the market with either no deposit or as low as 5% deposit of your share, the only other outlays being the legal fees. The LIFT scheme would provide up to 40% deposit for their purchase. The Scottish Government have set different purchase limits in different council areas.
The schemes are aimed at households with low to medium incomes, we can assess your circumstances for your area to see if you qualify and help you with your application process.
Mr & Miss Smith LIFT Scheme purchase:
Couple looking to buy their forever home in Perth & Kinross. They purchased a 4 bedroomed house at £205,000
|40% LIFT Deposit||£82,000|
|Mr & Miss Smith mortgage||£123,000|
|Monthly mortgage payments*||£373|
|You could buy any property on the market with no deposit!|
The Wilson Family LIFT Scheme purchase:
This couple looking to buy their first three bedroom house in Dundee for £100,000.
|40% LIFT Deposit||£40,000|
|The Wilson Family mortgage||£60,000|
|Monthly mortgage payments*||£182|
These schemes have limited funding – contact our Mortgage Specialists today
Terms and conditions apply. Examples provided are for illustration purposes only and does not represent a real occurrence. Mortgage example is based on an initial monthly rate on a rate of 3%.
Buy your first home with a £25,000 interest free equity loan.
If you want to buy your first home but can’t afford the total cost, you might be able to get help through Scotland’s First Home Fund.
The scheme is open to first-time buyers only and helps you with up to £25,000 of the purchase price of your property’s value. You will be required to provide a minimum deposit of around 5% and your mortgage must be at least 25% of the purchase price. Although the Scottish Government will have an equity share in the property, you will own the property outright. There are no monthly payments to be made towards the Scottish Government and no interest will be charged.
Contact our Mortgage Specialist, to discuss the best rates on the market today
Terms and conditions apply, the scheme is open to all first-time buyers in Scotland who are taking out a mortgage. You will not be able to apply to the scheme if you are a cash buyer or if you have previously owned a property in the UK or abroad at any time (as either a sole or a joint owner). The maximum contribution from the Scottish Government is £25,000 or up to 49% of the property valuation figure or the purchase price (whichever is lower). If you purchase a property for less than the valuation figure then the maximum Scottish Government contribution is £25,000 or 49% of the purchase price. There is a limit of one application per property. You can submit a joint application however you will be limited to one award of £25,000. Your mortgage must be at least 25% of the purchase price. Your mortgage must be capital repayment. The property must be the sole residence of all applicants. The scheme is not available for buy-to-let properties. You cannot apply to other Scottish Government shared equity schemes. Part exchange is not allowed.