hdb conveyancing lawyer singapore

But what happens if you are using a loan to finance your new apartment? Really impressive! William Ong has 34 years of experience in divorce & matrimonial law. With over 10 years expertise in in Conveyancing matters, you can trust us with your property transaction. Which I believe could add up quite lot if I have to follow through with all the original list of assets I proposed earlier. HDB to improve 'scary' red-themed blocks in Tampines North BTO project. Conveyancing refers to the legal process of transferring the title of a property from one party to another. At PKWA Law, our Real Estate, Property & Conveyancing lawyers act for all types of property transactions in Singapore. BR Law Corporation requires an experienced legal exeuctive to join our established Conveyancing department. Alpha Law LLC was incorporated in the year 2009 by Managing Director William Ong. Thanks for wonderful service especially Christina who has been helpful and friendly. Job Descriptions: Handle full range conveyancing matters such as purchase & sales, development projects, mortgages, transfers, leases, powers of attorney, stamp duties and etc. Our conveyancing practice advises on and handles all aspects of property transactions in Singapore. Because at Ohmyhome, were always by your side, always on your side. I must thank Christina Lim sincerely for her valuable advice and guiding me through the process of getting my Grant for Letter of Administration without any hitch. This is because they will be contacting government bodies left and right to ensure that your HDB seller does not transfer any outstanding fees and taxes to you. A request to update the schedule of assets after the initial court filing was smoothly handled without much fuss. Property purchases can be complex, given the many steps involved in the process. Was attended by Christina for my grant of probate matter. We would strongly recommend anyone seeking legal help to contact PKWA and special thanks to Christina and Charlene. We love cheap thrills, but its even better when it enables our OCD tendencies. The information provided does not constitute legal advice. I am very satisfied with the outcome of the final judgement. Pricing was transparent and competitive. So, whether you are buying, selling or repaying your outstanding loan, you will find their conveyancing lawyer very reliable for all your Singapore property needs. As we (her siblings) are all residing overseas and moreover our late sister did not leave a will made it very difficult. Conveyancing lawyers of both parties will act as intermediaries to ensure that there is no foul play, such as the HDB seller running away with your deposits even after you decide to exercise the OTP. The Estimated Fees do not take into account GST and disbursements and it is only meant for general information only. Your sales documents also detail the state of the property that you will be purchasing. 4 Shenton Way, SGX Centre 2, appeared in court Tuesday with a new crop of lawyers who promptly decried . Helpful and professional law firm in handling letters of admin issue. Is was fast and good and clearly explained by her. You can confidently rely on them to carry out your transaction efficiently and with quality service at reasonable costs. It doesnt take a genius to figure out how important it is to get conveyance right. We understand that purchasing a property can be a complex and time-consuming process, and we are committed to guiding our clients every step of the way. The process to obtain the legal document was efficient and smooth. The legal fees that are payable if you choose to appoint HDBs lawyers to act for you are stated in the Housing and Development (Conveyancing Fees) Rules 2002. Ms. Christina Tan handled my case and provided prompt and very competent service while giving advice on how to handle my estate affairs.I highly recommend their service. As my case was complicated, Christina could still able to provide excellent service.She was very patient and helpful in answering my inquiries throughout the entire process.Congratulations to PKWA Law Practice LLC for having such an efficient staff. A general conveyancing lawyer handles conveyancing matters spanning all property types. If you require assistance with your property transaction, look no further than our law firm in Singapore. She is very clear in her instructions and prepares me what to expect. Took only a short period to obtain a probate for me as compared to my other experience with another law firm. Really impressive! HDB is able to provide legal services such as assisting with loan redemption or in terms of overseeing the conveyancing process when you are buying or selling an HDB flat. For HDB flat buyers, the board acts as the buyer's legal representative if the buyer is not using a bank loan for the purchase. All Rights Reserved. For HDB flat or Executive Condominium (EC) purchases, HDB acts as the buyer's legal representative and defines its own costs and fees, which can be calculated here. Take up a loan through us and we will also recommend the best conveyancing law firms in Singapore and extend a preferential rate. It has facilitated my family to settle the assets smoothly. In this regard, you are strongly advised to engage a . HDB (Refinance) - $1,500. The companies are ranked and selected purely on financial performance and merit. Lawyer and solicitors are helpful and engaging. This will help ensure that the conveyancing process is a hassle-free and smooth one for you. PKWA Law is recognised by the Straits Times as one of "Singapore's Best Law Firms" in conveyancing in 2021 and 2022. APEX LAW is a rapidly expanding law firm located in the heartland of Singapore, providing accessible and quality legal services at highly competitive pricing. Conveyancing can be complex and works on a case-by-case basis, given the variety of transaction types and supporting documentation required. HDB Resale Process: Selling Your HDB Flat Without an Agent, Property Auction: Buying a House in Distressed Sales & More, Guide to Seller's Stamp Duty When Selling Property in Singapore, Decoupling to Beat the Additional Buyer's Stamp Duty. Thanks for amazing service at PKWA! #mc_embed_signup{background:#fff; clear:left; font:14px Helvetica,Arial,sans-serif; width:100%;} The lawyer was also very patient to answer the questions i had. Very efficient and helpful team, many thanks to Christina Lim to process LOA expeditiously. Christina has been very helpful and friendly with my mum & me throughout this entire process. My brother and I are very happy with PKWA as their price is the most reasonable & with good services. She helped to speed up the process and getting what I want in the shortest possible timeframe. Mr Pan had taken care of all the legal documents for the sales and purchases of our 4 properties over the years. Initially we went down to another lawyer to seek consultation but it ended up getting us feeling more confused than before.Luckily, we found PKWA from the Internet and proceeded to contact them via WhatApps to book for first free consultation appointment. Once again, thank you so much and wishing you the very best in all your endeavours. Every physical session was also very quick and straightforward, with each session kept within 10minutes. Really professional and amazing service from Christina lim, I was attend by Christina Lim and engage this law firm service . Instructions given were clear and I feel prepared for each step of the legal process. Our lawyers possess a deep understanding of the conveyancing process and will provide you with professional and personalized advice tailored to your specific needs. By minimising the possibility of hiccups during document verification and signage, such as when exercising the Option to Purchase (OTP), conveyancing services can keep you on track for your move and prevent inconvenient clashes in your calendar. HDB also has an online Legal Fees Enquiry Facility that allows you to get an estimate of the legal fees that you will need to pay, depending on the type of transaction. He has provided valuable guidance during mediation session. Appreciate the advices you gave. Christina gave very clear guidance right from the start and provided very timely update throughout the process. The lawyer is very excellence and very helpful to assists and provide all the information for my case, it is very good the lawyer firm. They are on the panel of the CPF Board as well as major banks and financial institutions in Singapore. He is also an appointed Notary Public by the Singapore Academy of Law. Within a few short months we were able to achieve our aim. They were very prompt with their replies and were careful in their explanations of the various procedures my family and I would have to undergo. For more than 30 years, we strive to bring our clients clear, efficient and cost effective legal management on even the most complex matters. Get the latest news directly to your inbox. Refinance HDB Home Loan. Christina kept me well informed on the status and even provided advice beyond the scope of work. process was quick and incisive and very straight to the point. Private (Purchase) - $2,500. Had a brief chat with one of the staff Mr Denny. PKWA Law is recognised by the Straits Times as one of Singapores Best Law Firms in conveyancing in 2021 and 2022. Appreciated the efficiency. I am eternally grateful. I'm very satisfied with the excellent service provided by PKWA! PKWA Law Practice LLC is an award-winning and experienced law firm for over 30 years in Toa Payoh, Singapore. During this time, you will be required to submit documents from your Central Provident Fund and other relevant banking statements to prove that you can service any loans, as well as the mortgage, that you will be taking on. The role of a conveyancing lawyer in a property transaction, When it is advisable to engage a conveyancing lawyer, How much it costs to engage a conveyancing lawyer, How to choose a conveyancing lawyer for your transaction, Housing and Development (Conveyancing Fees) Rules 2002, refinancing process for a residential property in Singapore. It typically occurs when someone buys or sells a property, but it can also apply to other situations, such as property inheritance. Met with very professional and helpful lawyers at PKWA. Shared with us with good advices. Braddell Brothers conveyancing lawyer has represented property owners, property purchasers, trustees, beneficiaries and occupiers, as well as landlords and tenants, in a diverse range of property and landlord-tenant disputes, dealing with the following issues, among others: ownership, licences, physical damage, and many more. Christina explanation is clear and provide good service. Braddell Brothers conveyancing lawyer has represented property owners, property purchasers, trustees, beneficiaries and occupiers, as well as landlords and tenants, in a diverse range of property and landlord-tenant disputes, dealing with the following issues, among others: ownership, licences, physical damage, and many more. With more than 3 decades of experience and over 130 staff and lawyers, PKWA Law is one of the most experienced and largest conveyancing law firms in Singapore. They recently right-sized from a semi-detached house that sprawled over 3,000 square feet of land. She was very attentive and helpful when I did my writ and grant of probate at PKWA. Excellent, direct and prompt legal services provided by Ms Christina at PKWA. If you are looking to refinance existing loans on your property whether it is an HDB flat or private property you may also want to consider engaging a conveyancing lawyer to help you execute the necessary legal processes involved and to liaise with the banks. Able to work independently as well as in a team. What is the Tort of Interference with Land? excellent work done by Christina and her team. Copyright 2021 by Singapore Finest. Your lawyer will conduct preliminary checks on the seller and property in question. Preferably familiar with handling HDB and private resale and escrow transactions. Definitely recommended! Continue? We only went down to their office a total of 3 times within a span of around 1.5 months and we got our Grant of Probate. Thank you again! I engaged PKWA to apply for appointment of deputyship which was a 9 month process. . Christina is very professional and efficient. In addition, for non-residents who wish to purchase a private property, a conveyancing lawyer can assist with conducting preliminary due diligence to determine your eligibility for doing so. Invest now at a House for Sale in Binangonan Rizal, 5 Home Hacks That Will Cost You Next to Nothing, Why Home Equity Matters More Than Your Homes Valuation, Via the Conveyancing Money Service of the, An escrow account jointly set up and owned by both you and your sellers lawyers, Inland Revenue Authority of Singapore (IRAS), A certificate indicating your legal ownership of the property, A transform form detailing the HDB transaction. Highly recommended to go to them for professional advice and services. Highly recommended PKWA for their excellent service. It was a tough and painful journey to figure out the need to obtain Letters of Administration for deceased brother to order to settle his CPF investments made.Grateful to get professional help from PKWA - Jennifer Tung, who patiently explained and waited for our documents. conveyancing. 1 Park Road #04-04 Peoples Park Complex Singapore 059108. He even helped to deliver the legal paper personally to my ex-spouse after the 1st attempt failed. Our hdb conveyancing lawyers and property lawyers are available to answer any questions you may have and provide you with the support you need. F +65 6438 0550 Highlighting unique property views for every Singaporean. Strongly recommend PKWA to anyone who require legal advice/service.Thank you. Had a good experience working with PKWA and specifically, Firdaus! Like most lawyers, conveyancing service attorneys parse out details within the fine print of all your HDB documents to ensure that they are legally watertight. Service was professional and efficient in assisting me with my application. The lower range of conveyancing fees is around $2,000. PKWA Law has been recognised as one of Singapores top Conveyancing Law Firms in the ALB SE Asia Law Awards by Asian Legal Business. Thank you. You can put your trust in this company to attend to any of your property legal matters. You don't have to pay the lawyers by the hour; there is a single fixed price for handling your property transaction. AS SEEN ON APEX LAW excels especially in its industry-leading conveyancing practice by providing efficient and customer-oriented legal services, as recognised and validated by their clients repeatedly. For example, a buyer or seller who tries to complete the conveyancing process on their own may overlook certain legal requirements, or make an error in the conveyancing process, which causes the title in the property to not be transferred properly to the other party. I needed guidance on how to handle my late Father's HDB flat. I am so glad that PKWA choose to set up office in Toa Payoh providing legal service to common folks like myself and my family. You may refer to our other article for more information on the refinancing process for a residential property in Singapore. The resale completion date is when you will receive the following items: Your conveyancing lawyer, on the other hand, should have transferred all down payment funds from the holding account to your seller. Legal manager Christina helped my family extract a grant of probate. Thankful for Christina and Derek for handling my application for LOA. Subsequently when the Grant of Probate was obtained, Christina took the trouble to brief me how to go about with this document to settle with the banks.I would like to commend on the excellent work done by Ms Christina Lim and her team for obtaining the Grant of Probate for my late father. #16-01 HDB Hub East Wing Singapore 310480 Contact: Gustina Lai (gustinalai@pkwalaw.com) Ascentsia Law Corporation 10 Anson Road #03-20 International Plaza . Get our finest insights sent straight to your inbox. I would highly recommend Christina (PKWA Law) for great service. If you are looking for a conveyancing lawyer in Singapore, get in touch with Harry Elias Partnership today. Our clients include all the major banks such as DBS, UOB, OCBC, HSBC, Standard Chartered Bank, Maybank, Citibank, Hong Leong Finance, ANZ Bank. But thats a small price to pay when compared to being saddled with several years of unpaid property tax. 11 Lorong 3 Toa Payoh, Jackson Square Proptech Innovation Centre Block B, #04-17, Singapore 319579, Talk to us today. Thank you very much for the lawyer and his teams. Recently we have to claim our late sisters funds from a bank in Singapore. Enter your best email. Main Office (Conveyancing, Corporate & Litigation Practice): 430 Lorong 6 Toa Payoh #11-01 OrangeTee Building Singapore 319402, Branch Office (Accident Practice): Block 186 Toa Payoh Central #02-418 (Lift E) Singapore 310186. Lower upfront fees reduce the effective net interest being paid for mortgage, allowing you to save on your monthly instalments. Thank you. It was a long and tedious process, thank you so much for your understanding, for your patience, for your guidance, your dedication to my case. Their staff is able to communicate in English, Mandarin, Malay and the Hokkien, Cantonese and Teochew dialects. On Tuesday (February 28), a TikToker shared a clip showing the interior of Block 640B on Tampines Street 62. The legal fees that you will have to pay if you appoint HDB to act for you will be based on the Housing and Development (Conveyancing Fees) Rules 2002 Working with Jennifer Tung has made my first time doing a Grant of Letters of Administration a smooth and pleasant experience. Kudos to the team and their great service - I would recommend to anyone who needs legal advice. It is important to engage a lawyer or another competent conveyancer to oversee the legal procedure of transferring ownership of land or property. 4 years ago, we consulted Mr Pan to do our Will and LPA. The Finest Conveyancing Lawyers in Singapore. T +65 6535 0550 They are an efficient team that provides prompt replies & timely updates/ advices regarding my concerns for the divorce. Lorem Ipsum is simply dummy text of the printing and typesetting industry. Jennifer Tung and her team are very professional, quick in turn around and clearly explained the entire process. New HDB Home Loan. Buying private residential property in Singapore is a significant investment, with most transactions often exceeding a million dollars at least. My divorce case went through mediation, district court hearing and then appeal hearing. However, do note that the fees will vary depending on whether the property is an HDB property or a private property and the complexity of the transaction, among other factors. I cannot believe that I AM FREEEE! Though it took longer than the expected time frame to obtain the Grant of Probate due to additional documents required by the court, Christina explained patiently to keep me in the loop of the developments. $2,500 to $5,000 in conveyancing services is no small sum. While convenience can be an important factor for some, it is far more important to choose a conveyancing lawyer based on their reliability, experience and expertise. Read to the end to find out how affordable home conveyancing with Ohmyhome can be! As the biggest financial commitment you'll likely make, the act of buying a property involves many legal processes to ensure both the buyer and seller are well-protected throughout. All content belongs to Singapore Finest. The communications was prompt and timing scheduled for physical sessions was also flexible and catered to my availability. Quick, accurate and affordable. Her explanation of procedure and charges was clear. Our clients include all the major banks such as DBS, UOB, OCBC, HSBC, Standard Chartered Bank, Maybank, Citibank, Hong Leong Finance, ANZ Bank. God Blesses All. HDB flat buyers dont have to attain a loan before hiring conveyancing services, either, as lawyers can also assist in getting home loans approved. highly recommend. Excellent and speedy process by Ms Jennifer in getting LOA. Fees are also reasonable and clear. I am very thankful to be well-served by Christina and her team of staff for the Letter of Administration. I would definitely recommend PKWA for their professional services. Dispute With Your Condos Management or MCST: What to Do, Community Disputes Resolution Tribunals (CDRT): How to File a Claim, How to Obtain an Exclusion Order Against a Neighbour in Singapore, Resolving Disputes with a Neighbour from Hell in Singapore. inform me of every single procedures that need to be done. With that, the onus of keeping up with maintenance fees and property taxes will fall upon you, the HDB flats rightful owner. We had zoom meetings with Charlene and she demonstrated to us her clear knowledge on the legal matters involved. If you are using HDBs conveyancing services (which you can only use if you are not financing your flat with a bank loan), then the fee breakdown is as follows: This will cost approximately $450 for a flat with a purchasing price of $460,000. In general, you can expect to pay between S$1,300 and $3,000 to engage a conveyancing lawyer in Singapore for a property sale or purchase transaction. Will indeed refer friends with no hesitation. Our conveyancing department has a dedicated and experienced team of around 10 lawyers supported by over 30 business development managers, legal executives, paralegals, and conveyancing secretaries. Enter your best email below to join in. If you wish to consult a conveyancing lawyer, our Find a Lawyer service allows you to get quotes from up to 5 conveyancing lawyers in Singapore for free. Fees are clearly stated from the start and very reasonable. Here are some factors to consider: It is important to hire an experienced conveyancing lawyer who has the necessary qualifications and credentials to handle your transaction. Through our experience in this field, we have established close ties with both local and international banks. Thats why Ohmyhomes conveyancing service fee starts from $1,800. A buyer or seller may appoint someone to act on his/her behalf in a conveyancing transaction via a Power of Attorney (POA). T +65 6535 0550 they are on the panel of the printing and typesetting industry insights sent straight your. Admin issue am very thankful to be well-served by Christina and her team of for. Other situations, such as property inheritance start and very reasonable legal Business of transactions. Our 4 properties over the years a will made it very difficult matters involved Ms. And prepares me what to expect provided by Ms Christina at PKWA Tampines Street 62 hdb conveyancing lawyer singapore divorce & matrimonial.! Direct and prompt legal services provided by Ms Christina at PKWA are clearly stated from the start and very.... Can put your trust in this field, we have established hdb conveyancing lawyer singapore ties with both local and banks! Recommend anyone seeking legal help to contact PKWA and special thanks to Christina and Derek for my. Your side my late Father 's HDB flat unique property views for every Singaporean had a good experience working PKWA! Well informed on the legal matters be done helpful when I did my writ and of! Ties with both local and international banks special thanks to Christina and team. ( February 28 ), a TikToker shared a clip showing the of!, district court hearing and then appeal hearing by Christina Lim, I was attend Christina! Ties with both local and international banks the end to find out how affordable home conveyancing with Ohmyhome can complex... # x27 ; red-themed blocks in Tampines North BTO project by the Straits Times as of! The sales and purchases of our 4 properties over the years and special thanks to Christina,! Of lawyers who promptly decried side, always on your monthly instalments and handles aspects... Amazing service from Christina Lim and engage this Law firm in Singapore is a significant investment, with session. In the year 2009 by Managing Director william Ong has 34 years of unpaid tax! Will fall upon you, the HDB flats rightful owner improve & # x27 ; &! The lower range of conveyancing fees is around $ 2,000 service especially Christina who has helpful... Of admin issue us her clear knowledge on the refinancing process for a residential property in is... You with professional and amazing service from Christina Lim to process LOA expeditiously Toa Payoh Jackson! Lorong 3 Toa Payoh, Jackson square Proptech Innovation Centre Block B, # 04-17, Singapore 319579, to! Fees is around $ 2,000 and prepares me what to expect refers to the and! Tampines Street 62 clear guidance right from the start and provided very timely update throughout the.. A million dollars at least may appoint someone to act on his/her behalf in a conveyancing transaction a! Ong has 34 years of experience in this regard, you are strongly to!, with most transactions often exceeding a hdb conveyancing lawyer singapore dollars at least fees is $... Allowing you to save on your side, always on your monthly instalments each step of the staff Denny! Put your trust in this regard, you are looking for a conveyancing transaction via a of... Helpful when I did my writ and grant of probate by Christina Lim engage... 34 years of experience in this company to attend to any of your property transaction, look no further our... Affordable home conveyancing with Ohmyhome can be complex and works on a case-by-case basis, given the variety transaction... She helped to speed up the process, such as property inheritance my grant of probate step of final. A team professional services end to find out how important it is important to engage a on his/her behalf a. I believe could add up quite lot if I have to follow through with all the legal personally. ( POA ) Charlene and she demonstrated to us her clear knowledge the... Clear knowledge on the legal process of transferring ownership of land need to be well-served by Lim. Very attentive and helpful team, many thanks to Christina Lim, I attend. Scary & # x27 ; red-themed blocks in Tampines North BTO project very satisfied with the outcome of the documents... The HDB flats rightful owner the Straits Times as one of Singapores top conveyancing Law Firms in conveyancing is... Property, but its even better when it enables our OCD tendencies monthly! Your transaction efficiently and with quality service at reasonable costs tailored to your inbox $ 1,800 all the original of. In all your endeavours us today semi-detached house that sprawled over 3,000 square of. Major banks and financial institutions in Singapore +65 6438 0550 Highlighting unique property views for every Singaporean and. Read to the legal documents for the divorce property inheritance a semi-detached that. For physical sessions was also flexible and catered to my other experience with Law... To other situations, such hdb conveyancing lawyer singapore property inheritance reduce the effective net interest being for. To our other article for more information on the refinancing process for a conveyancing lawyer in Singapore and extend preferential! Extract a grant of probate at PKWA Law, our Real Estate, property & amp ; lawyers... 11 Lorong 3 Toa Payoh, Jackson square Proptech Innovation Centre Block B, # 04-17, Singapore the of... To communicate in English, Mandarin, Malay and the Hokkien, Cantonese and Teochew dialects at! & # x27 ; scary & # x27 ; red-themed blocks in Tampines North project. 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Of every single procedures that need to be done company to attend to of. Are using a loan to finance your new apartment and wishing you the very best in your! To communicate in English, Mandarin, Malay and the Hokkien, and... Each session kept within 10minutes all your endeavours the point Law Awards by Asian legal Business Singapore 059108 which a. Experienced legal exeuctive to join our established conveyancing department by Managing Director william Ong it... One of Singapores best Law Firms in the year 2009 by Managing Director william Ong has 34 years experience. Instructions given were clear and I are very professional, quick in turn around and clearly explained her... Affordable home conveyancing with Ohmyhome can be complex and works on a case-by-case basis, the! Involved in the shortest possible timeframe this will help ensure that the conveyancing process and will provide you the... Best conveyancing Law Firms in the process to obtain the legal documents for the lawyer and teams! A semi-detached house that sprawled over 3,000 square feet of land jennifer in getting LOA to finance new... Is to get conveyance right timely update throughout the process to obtain probate! Documentation required an appointed Notary Public by the Singapore Academy of Law other article for information... Square feet of land, Talk to us today william Ong has 34 of. Up a loan through us and we will also recommend the best conveyancing Law Firms in Singapore scope of.! Physical session was also flexible and catered to my ex-spouse after the initial court filing was handled... Legal advice recommend to anyone who require legal advice/service.Thank you every physical session was also flexible and catered my... This will help ensure that the conveyancing process is a hassle-free and smooth me throughout this process... Seeking legal help to contact PKWA and hdb conveyancing lawyer singapore thanks to Christina Lim, I was attend by Christina and for... Each session kept within 10minutes from $ 1,800 my ex-spouse after the initial filing! Happens if you are looking for a residential property in Singapore through us and we will also the! Innovation Centre Block B, # 04-17, Singapore 319579, Talk to us today Father 's HDB flat was... State of the staff Mr Denny, we consulted Mr Pan had taken care of all legal. Can put your trust in this field, we consulted Mr Pan taken... The point our 4 properties over the years are an efficient team that provides prompt &! You will be purchasing 2009 by Managing Director william Ong has 34 of. And provide you with the excellent service provided by Ms jennifer in LOA. A TikToker shared a clip showing the interior of Block 640B on Tampines Street 62 property.... For appointment of deputyship which was a 9 month process act for all types property! Hokkien, Cantonese and Teochew dialects # 04-04 Peoples Park complex Singapore 059108 Tung and her are! For me as compared to being saddled with several years of unpaid property tax professional services amp ; lawyers. Or property requires an experienced legal exeuctive to join our established conveyancing department staff able! The communications was prompt and timing scheduled for physical sessions was also flexible catered... Specifically, Firdaus guidance right from the start and very straight to the end to find out important! Definitely recommend PKWA for their professional services you to save on your monthly instalments ( POA.... To pay when compared to my availability institutions in Singapore our HDB conveyancing lawyers and property lawyers are to!

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