Rachel is a Senior Associate in the Conveyancing team.
Her work includes the sale and purchase of residential freehold and leasehold properties. She is experienced in new builds, older homes, blocks of flats, holiday homes, buy-to-lets, purchase of land and properties being bought and sold at Auction. She also acts in connection with lease extensions and transfers of part and the release of restrictive covenants and the ale and purchase of unregistered land.
In addition, she supports clients with financing and refinancing arrangements, particularly for those with a substantial property portfolio. Her expertise encompasses advice on mortgages, remortgages, transfers of equity and government backed initiatives, including shared ownership and help-to-buy schemes.
She acts for individuals and companies and has also acted for pension funds. Her work extends to supporting Insolvency Practitioners in the sale of properties by Administrators and the Trustee in Bankruptcy. Current clients include private individuals and corporate portfolio owners, high-net-worth individuals and professional sports personalities.
Recent examples of how Rachel has supported clients include:
- received the contract pack for a newbuild (leasehold title) on the Friday and had to exchange and complete on the following Tuesday (following a bank holiday);
- clients were in breach of contract due to COVID-19 and their mortgage lender not being able to value the property and issue a mortgage offer. Rachel completed a bridging loan for their purchase in 6 hours from receipt of the mortgage offer to completion of the purchase;
- client had purchased a property and land whereby the plan was wrong and had to be rectified. This involved a complex transfer of part which was registered in 2 weeks from submission. The property then was refinanced in two weeks over the Christmas holiday to an International Mortgage Lender;
- properties purchased by complicated entities - such as individual footballer purchasing his main residence but also purchasing another property (same title and involved a split of the titles) at the same time in the name of his Limited Company so involved complicated SDLT forms and submission regarding connected transactions;
- identifying whether SDLT reliefs apply for property purchases such as mixed use and MDR;
- purchase of a development site which involved development finance funding and which needed to be secured against the site and the Company; and
- purchase of property and significant amount of land for a footballer on the basis of mixed use. The property had an agricultural tie against the property and required investigating fully so the client could make an informed decision whether to proceed with the purchase.