Conveyancing
The Conveyancing Department is headed up by Senior Director and Conveyancer, Ranald Vise, and the department is brilliantly supported by Pauline Steyn, Attorney and Conveyancer, and her team of dedicated assistants.
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These experienced Conveyancing Lawyers and Notaries assist clients with all matters and challenges relating to owning, leasing, and selling land and commercial property, land development, and construction. We advise national property owners, shopping centers, large-scale residential projects, apartment and industrial developers, joint ventures, rural developments, and major CBD developments.
Our Services Include:
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Transfer of Properties
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Registration of Bonds
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Cancellation of Existing Bonds and Related Conveyancing Matters
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Advising on and drafting of commercial and residential leases
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Commercial and residential developments, including township establishment and sectional title developments
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Financial planning and structuring of share block and timeshare schemes
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Financial structuring of property transactions
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Miscellaneous applications, consents, and endorsements are required in the conveyancing process
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Project and commercial property development finance advice
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Negotiating and drafting agreements relating to the sale of residential and commercial properties
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Registration of all types of servitude
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Registration and cancellation of all types of bonds, including mortgage-, surety-, collateral- and notarial bonds
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Conventional transfers of properties, as well as transfers as a result of or in terms of liquidations, auctions, court orders, foreclosures, divorces, donations, deceased estates, and insolvent estates
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Subdivision and consolidation of properties
Our Banking Partners
Coxwell Steyn Vise and Naudé serve on the mortgage registration panel for First National Bank, Standard Bank, Nedbank, and ABSA.
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This means that we act for the banks in registering home loans. This association goes back to the firm’s banking days with the Perm Building Society and we have been proudly associated with First National Bank for over fifty years.
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We are honored to be associated with these fine banking institutions registering loans and be assured that we can help you find a bank loan for your property purchase. We also register private bonds for clients.
A step by step guide to the conveyancing process
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The Seller and Purchaser sign the offer to purchase which is then sent to the Seller’s transferring attorneys of choice;
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The transferring attorney will request:
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a. FICA from the Seller and the Purchaser;
b. Payment of the deposit and pro forma transfer costs from the Purchaser;
c. Electrical, plumber, beetle, gas, borer, fencing compliance certificates from the Seller, where applicable;
d. The title deed and bond cancellation figures from the current bondholder over the property (The bond cancellation figure is the amount which the existing bondholder requires in order to cancel the bond);
e. Rates clearance figures from the City Council (which figures are calculated four months in advance and payable ultimately by the Seller);
Bond Cancellation Process
Once your home loan is fully paid, you may have the option of keeping the bond facility available to you. This may be important should you need to borrow money in the future.
If you decide not to cancel your bond (even if it is fully paid up) you will not have to incur bond registration costs again when you decide to take up the facility again (this is obviously dependent on the rules and requirements of the financial institution).
You may also keep your Homeowner’s Insurance and Credit Life Assurance Policies. You will obviously still have a small monthly payment to make, i.e. Administration Fee, Homeowner’s Insurance, and Life Assurance.