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Glasgow named one the UK’s most affordable cities

It’s official – Glasgow is one of the most affordable places in the UK to live.

New research from Lloyds Banking Group names the city the ninth most affordable in the United Kingdom – and second only to Stirling in Scotland.

Glasgow expert in property law Jatinder Chall of MacRae & Kaur believes the news is critical to the city’s economic future.

Average UK house prices in cities have outpaced wage growth for five years in a row and are now more than seven times annual earnings.

This ratio falls to 5.2 in Glasgow– making Scotland’s largest city a third more affordable than the average UK city.

Across the nation the ratio is only bettered by Scotland’s former capital Stirling, Bradford, Durham, Sunderland, Hereford, Lisburn and Londonderry.

This comes despite Glasgow house prices rising 22% over the past five years – £32,000 in cash terms – whilst wages rose just 7% in the same period.

Stirling is named the UK’s most affordable city, with average property prices just 3.7 times average gross annual earnings.

The UK’s least affordable cities include Oxford, Winchester and Cambridge. Scotland’s next most affordable cities are Inverness and Dundee, where house price to earnings ratios are 5.5, and Perth, where they are 5.7.

Jatinder Chall, heads the Property law team at MacRae & Kaur Solicitors.

She said:

“Glasgow isn’t just a great place to live, it’s a very affordable one – and ultimately that can only benefit our economy.

“Home affordability has been worsening for the past four years and nationally is now at its worst level since 2008, with city living in particular becoming increasingly expensive.

“That Glasgow is bucking that trend is very good news for our local economy as attracting and retaining skilled workers and modern businesses is critical to both the city and Scotland’s economic future.

“There’s plenty of evidence that our Glasgow is increasingly becoming a destination of choice for just these kinds of companies and professionals – and even this week our team have been talking to Londoners looking to relocate here.”

MacRae & Kaur are one of Glasgow’s leading commercial and residential property specialists, with clients ranging from private property owners to banks, high street retailers and multi-national corporations.

With 25 years experience the firm has successfully organised multi-million-pound developments throughout the UK and managed business expansion and movement of premises throughout Glasgow.

Our Residential Property Services include:-

•  Purchase and sale of houses, plots or land;
•  Builder’s or Developer’s Missives;
•  Re-mortgages;
•  Discharge of secured loans on repayment;
•  Creation of new securities/mortgage deeds;
•  Leases on domestic property;
•  Transfers of Property;
•  Arranging Surveys;
•  Local Authority house purchases;
•  Ownership Enquiries; and
•  Queries regarding title conditions.

We can provide a fixed quotation for residential legal fees so that you do not have to worry about unexpected costs. Regardless of your property question our friendly team will be happy to talk through the situation and let you know of how we can progress.

Remember: There’s a difference between cheap conveyancing solicitors and good value conveyancing solicitors.

Some firms delegate property work to inexperienced and junior staff – sometimes to people who aren’t even qualified solicitors. Other solicitors can turn out to be based hundreds of miles away from you and it can be impossible to contact them at all, let alone meet them face to face.

Macrae & Kaur are unique amongst Glasgow solicitors in that all of our property work is carried out by senior partners, highly-experienced property solicitors who really know Glasgow and are always available to meet you in person.

Conveyancing fees

Our conveyancing fees are competitively priced, your first consultation together with submitting offers and noting interest is free. We promise total fee transparency – all costs will be laid out clearly before you make a commitment and we do not start charging extras once you have signed up.

Frequently Asked Questions
Will I have to pay Additional Dwelling Supplement?

If you have not sold your main residence on the day you complete your new purchase you'll have to pay ADS. This is because you own 2 properties. You can apply for a refund if you sell your previous main home within 18 months.

How long does the Conveyancing process take?

The conveyancing process usually takes between 6 and 12 weeks but will vary. Depending on your situation, your case can take much longer than 6-12 weeks. Conveyancing can take a long time for many reasons. Each step of the process must be completed correctly to avoid even further delay.

Do I have to pay anything upfront?

Our firm does not charge any upfront fees for our service. The  'no completion, no fee' means you only need to pay us on the completion date.

Can I Buy and Sell at the same time?

In an ideal world, you’d sell your home the minute you put it on the market and then have all the time you need to find your next dream home while your buyers wait patiently until you’re ready to move. Unfortunately, we don’t live in an ideal world and in most cases you’ll need to sell and buy at the same time. This results in a housing chain. While not uncommon, property chains can cause significant headaches. So if you’re planning to buy and sell your house at the same time, make sure you’re prepared.  We can help keep everything runs smoothly and according to plan.

How much Land and Building Transaction Tax will I need to pay?

The residential LBTT rates are based on the purchase price bands, with a ceiling for nil rates set at £145,000 A relief for first-time buyers is available, which increases the residential nil rate band of LBTT to £175,000.The availability of the relief will result in a reduction in tax of up to £600 for qualifying first-time buyers, relative to the rates which would have otherwise applied.

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