FIRST TIME BUYERS

Céadhra Cummings • 17 June 2025

Are you buying your first home?


If you are a first-time buyer searching for your first home the process can seem daunting and overwhelming. At Donnelly & Kinder our experienced team have been providing expert conveyancing services for over 20 years, and we can help make the process as seamless as possible.


The process of buying your first home begins with the Estate Agent. Once you have viewed the property of your dreams you will need to make an offer with the Estate Agent. Once your offer is accepted you will then be asked to provide the Estate Agents with our details. We will then receive the details of your purchase, and we can begin our work.


If you are obtaining a Mortgage to assist with the purchase, our experienced team can point you in the right direction. Appointing a Mortgage Advisor may assist you at this stage and we would be happy to refer you to a local and reputable Mortgage Advisor. Once your Mortgage Offer is received, we will also act for your Lender in the transaction. We ensure that you thoroughly advised as to the legal implications of a mortgage so that you can make the best decision possible. 


Additionally, if you are using a Help to Buy ISA or a Lifetime ISA to assist with your purchase, we will use our experience and expert advise to guide you. We have a wealth of experience when it comes to ISAs and we can advise you what steps are taken to ensure these funds, together with any bonuses due, are drawn down accurately and in a timely manner.


We will then liaise with the Seller’s Solicitor requesting Title Deeds and a contract for the property in sale. Our expert team will then review all documentation received and raise any relevant queries.


Once we have received everything that we need to satisfy us in respect to the Title to the property, we will then arrange an appointment to meet with you. At this appointment you will be provided with a fulsome report on title, and we will take you through everything you need to know. At this meeting you will sign the Contract and your Mortgage documentation. We will also discuss a completion date that suits both you and the Seller.


We will release the signed Contract to the Seller and await the returned countersigned Contract. Once all parties have signed the Contract and it is returned, it is legally binding.


We will request your Mortgage Lender sends us your Mortgage funds on completion date. On the date of completion, we will forward these monies together with any additional monies required from you to complete. Once the purchase funds are received by the Seller’s Solicitor they will authorise the release of the keys to you. Once this happens, you can collect the keys to your new home!


We can make the first-time buying process easy for you. Contact our office by phone at 028 9024 4999 or email us at info@donnellykinder.com.   

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RESIDENCE

by C Cummings • 14 April 2025
Are you a parent who has recently separated from the father/mother of your children? A relationship breakdown is a painful time for both parents and the children of a family. It can be made even more painful when arrangements for the children cannot be agreed between both parents. Mediation is typically advisable as a means of negotiating a solution in the best interests of the children. However, in some cases mediation is unsuccessful and an application to the Family Court will need to be made. One question that may arise is where the child will reside, this is referred to as the child’s ‘residence’. Residence refers to where a child will live for the majority of the time. When a relationship breaks down, the question of residency can become a disputed matter. Residency can be resolved by agreement; however, the matter may need to be referred to the court. If you wish to receive tailored advice in relation to your individual family circumstance, please contact our team at Donnelly & Kinder Solicitors. A resident parent will be responsible for making the day-to-day decisions concerning the child. However, if the other parent holds Parental Responsibility, their input will be needed for bigger decisions relating to the upbringing of the child. Residency does not need to be court ordered, however, if there is a Residence Order in place this will define were the child lives until they reach the age of 16. In most cases there will be a resident parent, this is the parent with whom the child lives for the majority of the time. The other parent will then be considered the parent who is having ‘contact’ with the child. ‘Contact’ can range from indirect contact such as the exchange of letters, gifts, cards, text messages etc. to direct contact such as overnight stays. Contact arrangements will vary depending on the individual circumstances of each family. Contact can be court ordered by way of a Contact Order or can be simply agreed between the parents. It is also possible that a shared care arrangement can be agreed between the parents. Alternatively, a Joint Residence Order can be made by the court, which creates a shared care arrangement between the parents. If circumstances change after any court order is granted, an application can be made to ask the court to vary or discharge any order made. If the above is relevant to your circumstances, you will require a Solicitor who is both experienced and empathetic. At Donnelly & Kinder Solicitors, we tailor our advice to your own unique circumstances to achieve the best possible outcome for you and your family. We advise on all aspects of family law including Divorce, Matrimonial Agreements, the division of matrimonial finances and Ancillary Relief. Please contact Céadhra on 02890244999 or ccummings@donnellykinder.com for more information

ENDURING POWERS OF ATTORNEY

by Céadhra Cummings • 20 March 2025
When future planning the focus is often on the preparation of a will. The potential that one may lose capacity during their lifetime can be overlooked. Loss of mental capacity can sadly and suddenly happen at any age; the Department of Health has indicated that most people in Northern Ireland will at some point in their life either lack mental capacity or encounter persons who lack capacity. Thankfully, it is possible to nominate Attorneys who can manage your property and financial affairs should mental incapacity arise. An Enduring Power of Attorney (EPA) allows a person (the Donor) to give another person (their Attorney) authority to act on their behalf in respect of their financial affairs whilst they are still alive but lack capacity. Anyone over the age of 18 with mental capacity can create an EPA. However, if the person no longer has capacity unfortunately it is too late to create an EPA. This is why is it so important when future planning to consider an EPA. An EPA can ease financial stresses for your family at a time of emotional strain. Creating an EPA is inexpensive, yet it can save your family significant future fees, difficulties and delays. Advance planning in legal, financial and personal matters will protect your finances and your independence. Ensuring your affairs are in good order will give you peace of mind and the contentment of knowing that you have taken every action to best protect your interests and that of your family. For further information regarding any of the above or for a free, no obligation discussion please contact us by email on ccummings@donnellykinder.com or call our office on 02890 244 999.

DIVORCE AND FINANCIAL SETTLEMENT

by C CUMMINGS • 3 March 2025
In the wake of the breakdown of a marriage the process of divorce and financial separation can appear overwhelming and confusing. However, it can be made straightforward when the correct advice is given. It is your Solicitor’s responsibility to explain the process thoroughly, so you are able to understand and consider your options. There are two prongs to the breakdown of a marriage, the divorce, and the settlement of the matrimonial finances. It is advisable in most cases that the finances are dealt with in the first instance with a view to coming to an agreement between the parties as to the division of the matrimonial assets. If an agreement can be arrived at, it can be drafted into what is called a Matrimonial Agreement. However, if an agreement cannot be arrived at informally then the matter must proceed to Court for a Judge’s adjudication. In order to apply to the Court for Ancillary Relief (financial settlement) one must petition for divorce. There is only one ground for divorce and that is that the marriage has irretrievably broken down. However, there are five facts that can be relied upon and they are as follows: 1. Two-year separation with consent 2. Five-year separation 3. Unreasonable behaviour 4. Adultery 5. Desertion There are two ‘non-fault’ facts available in this jurisdiction and those are two-year separation with consent and five-year separation. Therefore, it is sometimes necessary for a fault-based petition to be used in order to issue proceedings immediately. Typically couples in this jurisdiction will petition on two-year separation with the consent of both parties. This is seen as one of the most amicable ways to divorce in this jurisdiction but requires a minimum of two years after separation before a petition can be lodged. If you require further advice in relation to divorce or separation, please contact our Céadhra Cummings by phone on 02890 244 999 or by email at ccummings@donnellykinder.com .