Are there any discounts available through Right to Buy?

Are there any discounts available through Right to Buy?

The amount of discount youll get to buy your home through Right to Buy depends on how long you have been a tenant. Find out what discount you can get and maximum discount levels. How time as a tenant affects Right to Buy discount Youll only get a discount through Right to Buy if youve been a public sector tenant for at least five years. These five years dont have to be continuous and could…

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Buying a newly built home – things to check

Buying a newly built home – things to check

If you are buying a newly built home, make sure its covered by a good warranty to cover you if there are problems with the building. Use the checklist to find out things you should look out for, and find out how well the property meets environmental standards. Warranties for newly built homes Make sure that the property is protected by a good warranty (guarantee) provided by a reputable company. Most new homes are protected…

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Buying property FAQs

Buying property FAQs

I’ve found my dream home and the seller accepted my offer. What do I do next? After you’ve found a property you want to buy and the seller has provisionally accepted your offer, you should contact a solicitor or licensed conveyancer as a matter of priority to begin the legal process of buying your house. How long will the legal process take? If the seller has already vacated the property and you don’t require a…

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Can I be evicted from my council house?

Can I be evicted from my council house?

Council houses were introduced as a way of housing people at a price they could afford. However, council houses are not free and do require rent to be paid, although often at a lower rate than would be payable on the open market. Anybody, therefore, who does not pay the rent or breaks any of the other covenants of their tenancy risks being evicted. Possession proceedings Evicting somebody from their home is not a decision…

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Can I get help with home improvement costs?

Can I get help with home improvement costs?

If you are a homeowner or a private tenant, you may be able to claim help towards making repairs, improvements or adaptations to your home, and to help you keep your independence. Assistance is provided at the discretion of your local authority. Disabled Facilities Grants Disabled Facilities Grants could help pay for necessary changes to your home – such as stair lifts, so you can continue to live independently. If you have a disability, you…

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Can I take a problem neighbour to court?

Can I take a problem neighbour to court?

If you feel that the police or council are not doing enough to help you with a problem, you can take action yourself through the courts. But you will need to be sure that you can show there is a nuisance of some kind. You can take legal action yourself through the magistrates’ court under Section 82 of the Environmental Protection Act. You do not need a solicitor and it need not cost much. You…

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Do I have to pay stamp duty?

Do I have to pay stamp duty?

Stamp Duty Land Tax (SDLT) was introduced in December 2003 and replaces the old stamp duty on purchases of flats, houses and other land and buildings. SDLT is payable on the purchase or transfer of property or land in the UK where the amount paid is above a certain threshold. Higher percentage SDLT rates apply to higher-value transactions. Rates can also vary depending on whether the property will be used for residential or non-residential purposes,…

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How are Building Regulations enforced and do I have a right to appeal?

How are Building Regulations enforced and do I have a right to appeal?

The Building Regulations can be broken by not following the building control procedures set out for handling your building work. They can also be broken by carrying out building work which does not comply with the technical requirements contained in the Building Regulations. This will come to light during the inspections carried out by the building control service. How are the Building Regulations enforced? The local authority has a general duty to enforce the Building…

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How can I deal with a problem with my neighbour without involving others?

How can I deal with a problem with my neighbour without involving others?

You should try talking to the person who is responsible for the problem, unless you do not feel safe doing this. They may not realise they are bothering you, or they may be unaware the problem exists. You could also speak to other neighbours affected and get them to support you. You could ask for some help from a local mediation service if there is one in your area. When talking to the person you…

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How can I find a HomeBuy agent in my area?

How can I find a HomeBuy agent in my area?

‘HomeBuy agents’ administer the New Build HomeBuy scheme, which helps eligible first time buyers to buy their homes. HomeBuy agents are appointed by the Homes and Communities Agency, the public agency responsible for housing in England. HomeBuy agent contact details You should contact a HomeBuy agent to find out about the options that are available inthe area where you want to live. You can get contact details for HomeBuy agents by following the links below….

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How can I get help to buy my housing association home?

How can I get help to buy my housing association home?

Right to Acquire help to buy your housing association home The Right to Acquire scheme gives eligible tenants of registered social landlords the right to buy their property from their landlord at a discount. Buying a home is a long term financial commitment so always make sure you get independent financial and legal advice before you make the decision. Are you eligible? You may be if you: are a secure or assured tenant have been…

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How can I get landlord accreditation?

How can I get landlord accreditation?

Local authorities have long recognised the important role of the private rented sector in providing accommodation for a diverse range of households. What is accreditation and what are the benefits for landlords? Accreditation is a set of standards (or code) relating to the management or physical condition of privately rented accommodation. Landlords who join a scheme and abide by the standards are ‘accredited’. Accreditation schemes are voluntary. There is no compulsion for landlords to join,…

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How can I protect myself against eviction?

How can I protect myself against eviction?

If you are living in residential property the law protects you against harassment and illegal eviction. It does this by making harassment and illegal eviction criminal offences and by enabling a victim to claim damages through the civil court. Landlord’s obligations The law makes it an offence for a landlord to: commit acts likely to interfere with the peace or comfort of a tenant or anyone living with them persistently withdraw or withhold services for…

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How can I raise the money to build my own home?

How can I raise the money to build my own home?

Building your own home is a way to get a home which may meet all your needs and may cost less than buying one already built from a developer. Financing this type of work can be a major problem but some mortgage lenders are able to help. Self-build mortgages More risks are involved in building your own home but self-build mortgages can help with the financial complications of managing such a project. The main difference…

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How can I rent out my home?

How can I rent out my home?

You can let your home by using a very common type of tenancy. Find out about your rights under a tenancy agreement, your role and responsibilities and how you can use a third party to manage your property. Letting your property If you let your property, the tenancy will normally be an assured shorthold tenancy (AST). With an AST, you have guarantees and rights, for example: you can get your property back after six months…

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How can my council help if I have a problem landlord?

How can my council help if I have a problem landlord?

The vast majority of landlords are responsible and fair. In the unlikely event you experience trouble with your landlord, your council has some legal powers it can use to help. Harassment and unlawful eviction Harassment and illegal eviction, as defined in The Protection from Eviction Act 1977, are criminal offences. Your council has the power to prosecute people who commit offences. Housing officers from the council will investigate complaints and mediate between the both sides…

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How can the property Ombudsman help with estate agent problems?

How can the property Ombudsman help with estate agent problems?

All UK estate agents, letting agencies and property management companies are obligated to join a Government-approved redress scheme for dealing with complaints about: the purchase and sale of residential property the letting and management of private rented accommodation. What kind of complaints can The Property Ombudsman handle? The Property Ombudsman (TPO) is approved by the Office of Fair Trading as an Estate Agents Redress Scheme. TPO can hear consumer complaints about property companies that have…

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How do I apply for a housing association home?

How do I apply for a housing association home?

Housing associations offer housing to local people – often to people on a low income or people who need extra support. Find out how to rent or buy a housing association property, the types of property available, how theyre allocated/managed and how to complain about a housing association. Housing associations – what are they? Housing associations are separate from councils but often work closely with them to house local people. Most provide a range of…

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How do I apply for Building Regulations approval?

How do I apply for Building Regulations approval?

To help you achieve compliance with the regulations, you are obliged to use either your local authority building control service or a private sector approved inspector’s building control service. You will be charged for either service. Local authority building control service You can submit a full plans application or give a building notice to your local authority building control service, depending on the scale and type of work you wish to undertake. A full plans…

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How do I apply to buy a home through Right to Buy?

How do I apply to buy a home through Right to Buy?

If you want to buy your home through Right to Buy, you first need to apply to your landlord. Find out how to apply and what else you need to do. Your Right to Buy application If you want to buy your home through Right to Buy, first download the application form (RTB1) below, or get it from your landlord. When you’ve completed the form, photocopy it and send it to your landlord. It’s best…

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How do I check my home is fit to live in?

How do I check my home is fit to live in?

Your council has guidelines to check that your home doesnt have problems that could endanger you or your family. Find out what the council can do if your home falls below agreed standards and how property owners can appeal against any decision made by the council. Checking safety in your home By law, your council is responsible for the condition of all housing within its area. This includes both rented and privately owned homes. It…

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How do I choose an estate agent and make an offer on a property?

How do I choose an estate agent and make an offer on a property?

Estate agents usually act on behalf of the seller, but must also treat buyers fairly. Find out what the process is for making an offer on a property and how to make a complaint. Working with estate agents Using an estate agent is a common way to find a property to buy. Different estate agents specialise in different types of property, so find out if theestate agent you want to use is selling the type…

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How do I evict a tenant as a landlord?

How do I evict a tenant as a landlord?

Sometimes, as a landlord, you will need to evict a tenant from your property. This may happen for a number of reasons ranging from a fall out between you and tenant, to the non-payment of rent, or the condition and repair of the property. Whether you can evict a tenant depends on a number of different factors and Landlord and Tenant law can be a very complicated area. If you need to evict a tenant…

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How do I find and buy a building plot?

How do I find and buy a building plot?

If you have plans to build your home yourself then one of the first things you need to do after planning your budget and finances, is to find and buy a building plot. You need to survey the plot and ensure it meets your requirements. Finding a plot of land Some suggestions for finding a plot of land are: get together with a group of other potential self builders and buy a bigger development plot…

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How do I get an Energy Performance Certificate?

How do I get an Energy Performance Certificate?

Find out how to get an Energy Performance Certificate (EPC), when you should receive one and when you should provide one. Also, find out about energy assessors who produce EPCs, and what to do if you are not happy with their work. How to get an EPC An EPC is required by law when a building is built, sold or put up for rent. If you are a landlord or homeowner and need to provide…

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How do I go about choosing a mortgage?

How do I go about choosing a mortgage?

With hundreds of mortgage deals on the market, it’s hard to know where to start. You can use a mortgage broker, or shop around yourself and go direct to the lender. Whatever you decide, it’s important to understand how mortgages are regulated and sold. Using a broker Mortgage brokers must be authorised by the Financial Services Authority (FSA) or must be agents for authorised firms. The FSA is the UK’s financial regulator set up by…

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How do I hire a skip and use it safely?

How do I hire a skip and use it safely?

When you hire a skip, you will need to have a skip permit in place before you place it on a public highway (which includes pavements, roads and highways). You need to ensure that the permit is up to date and covers the types of waste you are getting rid of. What requires a permit? You will need a permit for: hippobags andother skip bags building materials skips Applying for a skip permit Most councils…

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How do I let rooms out in my home?

How do I let rooms out in my home?

Letting rooms in your home can be a useful way to get extra income. However, if you are letting (or thinking of letting) part of your home it is important to understand your obligations. Rights of landlord and tenant In law, a resident landlord letting is one where the landlord and the tenant live in the same building. This includes conversions where they live in different parts of the same property (however long ago the…

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How do I obtain a mortgage?

How do I obtain a mortgage?

This article is targeted at first time buyers who are looking to get their feet on the property ladder and explains how to obtain a mortgage. 1. Learn the basics Before calculating the size of the mortgage you need or speaking to lenders, it’s a good idea to quickly review the mortgage fundamentals. (a) Mortgage security Almost all of you will know already that a mortgage is a loan that you take out from a…

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How do I remortgage a property?

How do I remortgage a property?

There are a number of reasons why you might want to remortgage. Perhaps your existing mortgage has a high interest rate and another lender is offering a better deal. Maybe you want a mortgage with a longer or shorter term (e.g., to coincide with the date your retirement begins). Or perhaps you just need to raise some extra cash. Unlike a second mortgage, where a new lender will take a charge that ranks behind (or…

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How do I report empty or derelict properties?

How do I report empty or derelict properties?

The building control section of your local council is responsible for making sure that reported derelict and insecure buildings are dealt with, so that people in the area aren’t put in danger by them. Reporting an empty property Most councils have an empty property officer who works with owners to solve problems that empty homes can cause, like making the street look unattractive. Local councils can legally deal with privately owned derelict buildings that have…

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How do I use scaffolding safely?

How do I use scaffolding safely?

Find out about hiring and licensing your scaffolding, plus related safety aspects and building regulations. Hiring scaffolding To hire scaffolding you’ll need to contact a scaffolding hire company. Your local council may have a list of approved hire companies; you should contact them to find out. You should employ a qualified builder or scaffolding company to carry out the erection of scaffolding, and a qualified builder to do related building work. Scaffolding licences It is…

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How do lenders decide how much I can borrow?

How do lenders decide how much I can borrow?

When you take out a mortgage, lenders look at a number of things to work out how much you can borrow. These include your earnings and outgoings, the property value and your credit history. Whatever you borrow, you need to be sure you can afford the repayments. Your earnings Lenders have in the past offered to lendan amount based on earnings. Recently it has become more common for lenders to make an affordability assessment when…

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How should I deal with a dispute with a neighbour about a high hedge?

How should I deal with a dispute with a neighbour about a high hedge?

The right hedge can be an ideal garden boundary but the wrong hedge may bring problems. Find out what you can do if you think that a hedge on a garden boundary is too high. Before you contact the council Before you contact the council you should try to do the following: talk to your neighbour about the problem aim to get a better understanding of each other’s concerns and try to work out a…

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How should I deal with a noisy neighbour?

How should I deal with a noisy neighbour?

Disputes between neighbours are commonplace and range from complaints about excessive noise to overhanging trees. When a dispute arises between neighbours, there are a number of practical steps that can be taken in order to resolve it. Talk to the neighbour In the first instance, an informal discussion should be had with the offending neighbour. Alternatively, it may be preferable to write to the neighbour raising the concerns. Contact the neighbour’s landlord If the neighbour…

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I am being evicted because of my rent arrears. What can I do?

I am being evicted because of my rent arrears. What can I do?

Eviction is one of the ‘worst-case’ scenarios feared by many tenants who cannot afford to pay their rent or who have fallen behind in their rent payments. Whilst eviction for rent arrears is not uncommon, it is not a foregone conclusion that you will be evicted if you fall behind on your rent payments. Rent arrears commonly build up after a change in financial circumstances. These can include the loss of a job, a change…

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I am in arrears with my rent. What are my rights?

I am in arrears with my rent. What are my rights?

Losing your tenancy The normal way for a landlord to end an assured tenancy is to send you a document called a ‘Section 8 Notice’. However, if you are in rent arrears and: you live in an assured tenancy; your tenancy is still in the fixed term; and your tenancy agreement doesn’t contain a clause to the contrary then your landlord cannot end your tenancy even if they send you a Section 8 notice. If…

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I can’t pay my mortgage, will I lose my home?

I can’t pay my mortgage, will I lose my home?

If you cannot meet your mortgage repayments, the mortgage company may bring court proceedings against you. A claim for repossession is generally successful where an individual has taken out a mortgage and is unable to meet the repayments. As a result, the lender (mortgage company) who obtained a legal charge over the property when it granted the mortgage will bring proceedings to sell the property to ensure it gets its loan back. There are a…

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Is there a shared ownership option when buying my council or housing association property?

Is there a shared ownership option when buying my council or housing association property?

Social HomeBuy Scheme If you are not eligible for the ‘Right to Buy’ or ‘Right to Acquire’ schemes, or you can’t afford them, you may still get help to buy your council or housing association property. How it works Social HomeBuy offers eligible housing association or counciltenants the chance to buy a share of the market value of their current home. It also gives you a discount of between9,000 and 16,000 depending on the location…

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My landlord won’t return my damage deposit. What are my rights?

My landlord won’t return my damage deposit. What are my rights?

It is quite commonplace for a landlord to routinely ask a new tenant to put down a damage deposit or security deposit when they begin a new tenancy agreement in a rented property. The purpose of the deposit is to provide the landlord with a sum of money from which deductions can be taken if any part of the property or fixtures and fittings are damaged when the tenant leaves. The value of a damage…

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Property Law Quiz

Property Law Quiz

Questions True or False. A ‘tenancy in common’ is where two people rent property in the same building, but each tenant lives separately in designated areas, except for common areas which both tenants can use.   In a ‘joint tenancy’, each person named on the property deed: a) rents 50% of the property b) rent 100% of the property c) owns 50% of the property d) owns 100% of the property   On which of…

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Selling property FAQs

Selling property FAQs

How much do estate agents charge to sell your home? The majority of estate agents, if not all, calculate their fees as a percentage of the final selling price of the property, which is usually between 1.5-2.5%. The following expenses are normally included, but read the fine print just to make sure: advertising costs; costs incurred in preparing particulars of sale, including photographs; a ‘For Sale’ board; VAT. What types of agreement can you have…

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Tips for Landlords

Tips for Landlords

Here are our tips for landlords planning to rent out their property: 1. Look at your mortgage agreement Many mortgage agreements state borrowers need written consent from lenders before they rent out property. Take a look at your mortgage agreement or ask your mortgage lender directly to find out whether you need consent. 2. Screen tenants Take the following steps to screen potential tenants and avoid professional con artists: Ask the tenant to complete an…

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What are acceptable behaviour contracts?

What are acceptable behaviour contracts?

An acceptable behaviour contract (ABC) is a voluntary written agreement between a person who has been involved in anti-social behaviour and one or more local agencies who are responsible for preventing such behaviour (for example, the police or the local council’s housing department). ABCs are most often used for young people but may also be used for adults. The contract includes a list of anti-social acts that the person has been involved in, and which…

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What are costs and fees associated with buying or selling property?

What are costs and fees associated with buying or selling property?

If you require further help on a matter of property law you can use our solicitor directory to the right of this article to look for legal advice near you. Costs and fees associated with buying a home 1. Deposit First things first: the deposit. This is by far the biggest cost in buying a home. Many sellers and mortgage lenders require that you pay at least 10% of the purchase price up front. You’ll also get…

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What are the alternatives to selling my property?

What are the alternatives to selling my property?

If you’ve been trying to sell your home and have been having difficulty in finding a buyer, here are some alternatives to selling that you might consider: 1. House-swap There are a number of house-swap websites operating in the UK. Generally, these allow you to list your house on the website (with photographs, details, and an asking price) together with details as to the type of house you’re seeking (whether up-sizing, down-sizing, or looking for…

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What are the Building Regulations?

What are the Building Regulations?

The Building Regulations establish accepted standards for the design and construction of buildings for: the health and safety of people in and around buildings energy conservation access to buildings. Who must comply with the Building Regulations? The responsibility for compliance usually falls on the builder. However, this should be agreed by the parties to the construction project at the start of negotiations. Moreover, the building owner is ultimately the person who may be served with…

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What are the differences between Joint tenancy and tenancy in common?

What are the differences between Joint tenancy and tenancy in common?

Okay, so you’ve decided to buy a place with someone else, but you’ve yet to decide whether you want to own the property as joint tenants or tenants in common. What are the differences? In a joint tenancy, each person owns the whole property. If one of you dies the property automatically passes to the other joint tenant(s), which is known legally as the right of survivorship. Not more than four people can own a…

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What are the differences between leasehold, freehold and commonhold properties?

What are the differences between leasehold, freehold and commonhold properties?

What is a ‘freehold’ property? Most houses in the UK are ‘freehold’ properties. This means the owner of the freehold (the ‘freeholder’) completely owns both the property itself and the land on which the property is situated. With freehold property, the freeholder is solely responsible for the upkeep of the property. What can you do with a freehold property? Subject to any local planning regulations, a freeholder can do anything they want to, and within,…

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What are the Help to Buy ISAs?

What are the Help to Buy ISAs?

What is the Help to Buy ISA? In March 2015 the government introduced plans to create a “Help to Buy ISA” for first time home-buyers to be introduced in the autumn 2015. The aim of the Help to Buy ISA is to aid those attempting to save enough money to purchase a new home but who are struggling to save enough money for a deposit. How does the Help to Buy ISA work? If you…

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What can and can’t I do when I have a bonfire?

What can and can’t I do when I have a bonfire?

Bonfires are a common cause of neighbourhood disputes, as they often cause smoke and debris to blow across neighbours’ properties, which can cause a disruption and in some cases a health hazard. There are no specific laws outlawing bonfires, and therefore anyone is in theory entitled to light a bonfire if they wish to do so. There are, however, restrictions on the burning of household waste if it will cause pollution or where it might…

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What can be done about anti-social behaviour?

What can be done about anti-social behaviour?

The Anti-Social Behaviour Act 2003 gives the police and other organisations, such as local councils, powers to take action for a range of neighbourhood and community problems. Among other things, it: allows social landlords, like housing associations, to take action against anti-social tenants, including faster evictions and removing their right to buy the house or flat they rent; allows for fixed-penalty notices (where you can be fined without going to court) for noise nuisance and…

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What can I do about problems with property solicitors and conveyancers?

What can I do about problems with property solicitors and conveyancers?

By law the only people who can deal with the legal aspects of conveyancing are solicitors and licensed conveyancers. If you have had poor service from your solicitor or conveyancer, and they haven’t dealt with your complaint satisfactorily, you can do the following: For a solicitor, you can complain to the Legal Complaints Service (LCS). If it agrees with your complaint, the LCS can order your solicitor to refund your fees or pay you compensation….

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What can I do about rent arrears?

What can I do about rent arrears?

If your rent is not paid, the money owed is called ‘rent arrears’. Rent arrears are ‘priority debts’, which means the consequences of not dealing with them are serious – there is a risk of eviction. Dealing with rent arrears If you can’t pay your rent, you have missed rent payments or you’re worried your payments are not being made, sort things out as soon as you can. Even if you have other debts, make…

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What can I do if I have a problem with a property survey?

What can I do if I have a problem with a property survey?

Four types of survey report are available and they will give you different amounts of information and detail. A Home Condition Report. This gives basic information about the condition of the property, but does not include a valuation or recommendations on repairs. A valuation by a mortgage lender, which tells the lender whether it would be able to recover the value of the loan if the property had to be sold. It is not a…

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What can I do if I have a problem with my neighbours?

What can I do if I have a problem with my neighbours?

Neighbourhood disputes are extremely common, with Office of National Statistic figures from 2006 putting the number of neighbourhood dispute complaints at around 6m for the year. Indeed, it is estimated that 17,000 people move house every year citing problems with neighbours as the main reason. However, moving house really should be a last resort in neighbourhood disputes, and there are lots of things that property owners and tenants can try to attempt to resolve a…

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What can I do if mediation doesn’t work with a neighbour?

What can I do if mediation doesn’t work with a neighbour?

If mediation does not work or is not available to you, and other methods have failed, then you may wish to take more formal action. What you can do will depend on the problem and how you want to approach it. Problems with noise Noise is by far the most common cause of problems in communities and between neighbours. If you live in social housing (usually council or housing association housing), contact your landlord to…

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What can I do if the council won’t help with a problem neighbour?

What can I do if the council won’t help with a problem neighbour?

Most councils take nuisance problems seriously and will do their best to help. If you feel your council is failing you, you can take up the matter with your local councillor or the councillors on the environmental health committee. The local library or town hall will tell you who these are. If you still feel unhappy with how the council has dealt with your case, you can complain to the local government ombudsman in England…

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What can I do when things go wrong with renting?

What can I do when things go wrong with renting?

As a tenant you have rights that are protected by law. Despite this, it can be difficult to sort out problems with your home, but there is plenty of advice and support available to help you. Problems with your landlord If your landlord is trying to evict you without having obtained a Court Order, or they have failed, despite reasonable request/s to carry out necessary repairs, you can contact your local council’s tenancy relations officer….

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What common property mistakes should I look out for and how do I avoid them?

What common property mistakes should I look out for and how do I avoid them?

1. Believing estate agents Estate agents often try to scare buyers into believing they have multiple bidders for the property as a way to pressure them into raising their offer (thereby increasing the agent’s commission on the sale). But don’t fall for it, stick to your original offer and keep those fingers crossed! Only offer what you can afford. 2. Going over budget The first thing that you should do when looking for a house…

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What different types of rented accommodation are available?

What different types of rented accommodation are available?

Rented accommodation is available from three main providers: private landlords, local councils and housing associations. You can also find out more about housing options for disabled people, students and people aged 60 and over. Private landlords Private landlords will normally rent their property at the market rate and their right to increase the rent depends on the type of tenancy. Make sure you get a tenancy agreement and read it carefully before committing to it….

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What do I need to know about ‘easement’?

What do I need to know about ‘easement’?

An easement is a right that someone may have to use land that they do not own in a certain way, or to prevent the owner of that land from using it in a certain way. Examples of common easements include rights of way and a right of light. They are usually created on a sale of part of land. If you require further help on a matter of property law you can use our solicitor directory…

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What do I need to know about as a first-time property buyer?

What do I need to know about as a first-time property buyer?

Getting yourself on the property ladder is an ambition held by most young people, who wish to follow in the footsteps of their parents and generations before who widely regard bricks and mortar as the most solid investment for life savings. However, a lack of supply of new houses has led to demand for property soaring, and this in turn has driven the average price of property in the UK ever upward. As a result,…

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What do I need to know about asbestos removal?

What do I need to know about asbestos removal?

Many people have worries about asbestos, but undisturbed asbestos usually poses no problems. However, care should be taken to prevent the release of fibres as they can cause serious damage to your health. What is asbestos? Asbestos is a naturally occurring mineral that has been used in a range of building materials to make them more rigid and fire resistant. It has also been used in household products such as ironing boards and oven gloves….

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What do I need to know about bad neighbours and Anti-social behaviour orders?

What do I need to know about bad neighbours and Anti-social behaviour orders?

An anti-social behaviour order (ASBO) is a court order that is meant to stop someone committing particular anti-social acts or going to certain areas. It lasts for at least two years. An order can even prevent somebody from being with certain people or from going near a house where they have caused problems. Individuals cannot apply for an ASBO for someone who is harassing them or causing a nuisance, but various authorities can, including: the…

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What do I need to know about boundary disputes?

What do I need to know about boundary disputes?

Wouldn’t it be nice to get on with your neighbours? In an ideal world, of course it would, but it’s not always possible for neighbours to agree and disputes often arise over the ownership of land on the boundaries between their properties. How do you accurately identify the boundary? If you want to know where your boundary should be and who owns it, the starting point is always the legal documents, known as your title…

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What do I need to know about building a kit home?

What do I need to know about building a kit home?

A kit home is made of prefabricated material and can be assembled by a building contractor. What is a kit home? A kit home is generally less expensive and time consuming than designing and building your new home from scratch. Money is saved on: the production costs of the materials delivery – your home will be delivered in one load architect services – the design has been done for you so you don’t need detailed…

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What do I need to know about building my own home?

What do I need to know about building my own home?

Legal advice needed to ‘self-build’ a home An essential part of self-building a home is the legal advice necessary to ensure that the project is a success, both in terms of running on time and within budget. Legal advice includes: Planning applications, which are especially important where building restrictions are in force and/or unusual designs or materials are involved Ensuring that there are proper rights of access and sight lines Ensuring that there are rights…

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What do I need to know about buying a newly built home?

What do I need to know about buying a newly built home?

If you are buying a house that is less than 10 years old, it should be covered by a National House Building Council Buildmark scheme, or some other warranty. The warranty will transfer to a new owner, but will only cover defects that appear after the house has been sold. Defects that were (or could have been) spotted before the purchase will be covered only if the person who owned the property before has already…

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What do I need to know about buying a property?

What do I need to know about buying a property?

Before buying property, you need to take a good look at your finances, carefully research the market, and investigate the range of mortgages on offer. Have a good think about where you want to buy and get a feel for the area to better understand what life would be like living there. When viewing properties, don’t allow yourself to get swept away by the excitement — always remember to keep an eye out for potential…

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What do I need to know about common land and village greens?

What do I need to know about common land and village greens?

Your council as a Commons Registration Authority is responsible for maintaining the Registers of Common Land and Village Greens. What it includes This includes updating the registers when ownership of common rights change, or where rights are apportioned. Your council will amend the registers when they are notified by the Land Registry of changes in ownership of land and will amend the registers in some instances to show changes in address. The council is also…

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What do I need to know about conveyancing as a buyer?

What do I need to know about conveyancing as a buyer?

Conveyancing is the process of legally transferring ownership of a property from the seller to the buyer. It includes the various searches and checks and any final tasks following the sale. Find out what happens at each stage and what you need to do as a buyer. Conveyancing: transferring the ownership of property There are five main stages of conveyancing for a buyer: Pre-contractual stage Exchange of contracts Between exchange and completion Completion After completion…

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What do I need to know about conveyancing?

What do I need to know about conveyancing?

Conveyancing is the process by which ownership of land is transferred between a seller and a buyer. This can include both residential and commercial transactions, although the public conception of the term ‘conveyancing’ is usually related to the process of moving house. Conveyancing is land and contract law applied in a practical context. In England and Wales, there are both ‘registered’ and ‘unregistered’ systems of conveyancing. Under the unregistered system the seller has to show…

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What do I need to know about council tenancies?

What do I need to know about council tenancies?

Council tenancies are lease agreements entered into by individuals with a council for the rent of a council owned house or flat. Council housing is commonly contracted out to social housing organisations, which operate social housing services on behalf of local authorities. You can apply for a council tenancy through your local council. The rules deciding who gets a council property are complex and vary from area to area. There is no guarantee on who…

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What do I need to know about Energy Performance Certificates?

What do I need to know about Energy Performance Certificates?

Energy Performance Certificates (EPCs) give information on how to make your home more energy efficient and reduce your energy costs. All homes bought, sold or rented require an EPC. Find out what EPCs look like and what they contain. Example of energy efficiency rating graph for homes   Energy Performance Certificates what they tell you How to get an EPC Get an Energy Performance Certificate EPCs contain: information on your home’s energy use and typical…

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What do I need to know about equity release?

What do I need to know about equity release?

Equity means different things to different people. In general parlance, it simply means fairness. In showbiz, Equity is the name of the actors’ union. In law, equity describes a set of principles and maxims used to mitigate the strict interpretation and application of the common law. But in conveyancing, equity may also simply represent the difference between the value of your mortgage and the value of your property . Where the value of your mortgage…

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What do I need to know about estate agents?

What do I need to know about estate agents?

If you are buying or selling a house or flat, your first contact will probably be with an estate agent. Many agents belong to either the Royal Institution of Chartered Surveyors (RICS) or the National Association of Estate Agents (NAEA), which have codes of practice for their members. You can download copies of these from the RICS and NAEA websites (see ‘Further help’). But whether or not an estate agent is a member of either…

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What do I need to know about fly-grazing?

What do I need to know about fly-grazing?

What do I need to know about fly-grazing?

If a horse is allowed to graze illegally or is abandoned on private or public land, this is known as “fly-grazing”. It is thought around 3,000 horses are illegally grazing in the UK. Illegal grazing can be a problem as it can damage property and have a negative effect on a horse’s welfare. What can I do if a horse is fly-grazing on my land? Under the Control of Horses Act 2015 you should report…

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What do I need to know about gas boiler regulations?

What do I need to know about gas boiler regulations?

Gas boilers are a common feature in many modern homes, providing hot water that can be used either for heating rooms or for hot showers and baths. As the name suggests, gas boilers use a gas supply to create the flames to provide heat, unlike electric boilers that use electricity to heat an element. Due to the dangerous nature of piped gas, the fitting and repair of gas boilers is regulated by law in the…

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What do I need to know about health and safety in rented accommodation?

What do I need to know about health and safety in rented accommodation?

Landlords are generally responsible for the maintenance and major repairs to a property. This includes repairs to the structure and exterior of the property, heating and hot water installations, basins, sinks, baths and other sanitary installations. Housing standards A property should be safe and healthy for occupiers, so responsibility should be taken to ensure that: the dwelling is capable of providing adequate heating, which ideally means controllable central heating and insulation, with equipment and the…

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What do I need to know about housing association tenancies?

What do I need to know about housing association tenancies?

In recent years, many council homes have been transferred to housing associations. As well as housing associations, other bodies provide ‘social housing’, such as housing trusts and co-operatives. Those that are registered with the Housing Corporation (in England) or National Assembly for Wales are called ‘registered social landlords’ (RSLs). As with council or private landlords, there are different types of tenancy. If your tenancy began (or you were transferred from a local council) before 15…

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What do I need to know about housing standards for rented accommodation?

What do I need to know about housing standards for rented accommodation?

If you rent your home, major repairs are generally the responsibility of your landlord. This includes repairs to the structure and exterior of the property, heating and hot water installations, basins, sinks, baths and other sanitary installations. Standards in your home A property should also be free of serious health and safety hazards, which means your landlord should ensure that problems in the home are dealt with before they lead to poor health or accidents….

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What do I need to know about inheriting private property?

What do I need to know about inheriting private property?

When someone passes away, any assets that they owned usually become part of their estate. A deceased’s person’s estate is then distributed among that person’s beneficiaries, either in accordance with a valid will, or if no valid will exists, in accordance with the law of intestacy. Estates can be made up of any number of different types of assets. Common assets left in people’s wills are things like cash held in bank accounts, securities such…

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What do I need to know about investing in property?

What do I need to know about investing in property?

You can invest in property directly or indirectly through a ‘pooled’ or ‘collective’ investment scheme, like a Unit Trust or Open Ended Investment Company. Property investment carries high risks. Direct property investment Buying your home or a property to let out is a way of investing directly in property. However, although the Financial Services Authority (FSA) regulates most mortgage sales, it doesn’t regulate most buy-to-let mortgages. If you’re thinking of investing directly in property as…

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What do I need to know about lead paint removal?

What do I need to know about lead paint removal?

Up until the mid-1960s, lead was widely used in household paint. It was most commonly used for windows, doors, woodwork, and for some metal items. Lead is dangerous if breathed in or swallowed. Find out how to identify if you have lead paint in your house, and how to remove it safely. The risks of lead paint Lead can be harmful as it builds up in the body and can be a health risk. The…

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What do I need to know about living in shared accommodation?

What do I need to know about living in shared accommodation?

If you live in a property in which three or more people live, at least one of whom is unrelated to the others and where you share facilities your council will call this type of accommodation a ‘House in Multiple Occupation’ or HMO. Special rules apply to the management of HMOs and some may need a property licence. Do I live in an HMO? If you live in a property with two or more people…

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What do I need to know about moving to a new home?

What do I need to know about moving to a new home?

There is so much to organise in just packing for the move that often things are over-looked, but use this checklist to make sure you’ve got everything covered. But don’t notify anyone of your change of address until the contracts have been exchanged, as the sale can still fall through leaving you to contact everyone again. Making sure you’ve covered everything Use the checklist below to help you remember who you need to contact. Have…

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What do I need to know about neighbour disputes and anti-social behaviour?

What do I need to know about neighbour disputes and anti-social behaviour?

If you are buying your home, it is best to sort out any possible problems over boundaries (usually, problems about exactly where they are) before you exchange contracts with the seller. You should do this even if it delays the sale. If neighbours repeatedly trespass on your land, and they refuse to stop when you ask them to, you can apply to the court for an injunction to stop them. On the other hand, if…

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What do I need to know about noise pollution?

What do I need to know about noise pollution?

Excessive noise from aircraft, road traffic and railways can affect quality of life. Find out about regulations to control noise pollution, what you can do to tackle noise problems and how to find a noise map. Road vehicles Road vehicles have to meet certain noise-level standards. The police can take action if your vehicle’ssilencer does not workor if you are driving in a way that creates too much noise. Road traffic noise There are nospecific…

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What do I need to know about offers, exchange of contracts and completion?

What do I need to know about offers, exchange of contracts and completion?

‘Conveyancing’ is the legal process undertaken when transferring ownership of residential or business property from one person or entity to another. Conveyancing tends to be carried out using the services of a solicitor or licensed conveyancer. The conveyancing process consists of three stages: 1. Pre-exchange of contracts 2. Exchange of contracts 3. Completion. If you require further help on a matter of property law you can use our solicitor directory to the right of this article to…

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What do I need to know about private rental agreements and tenancies?

What do I need to know about private rental agreements and tenancies?

A tenancy agreement is a legal agreement in writing that sets out the rights and responsibilities of both landlord and tenant. It will contain details such as the length of the agreement, the rent payable, and what is and isn’t allowed in the property, such as pets. Types of tenancy agreement There are different types of tenancy agreement. Some provide the tenant with more rights than others, and most people have one of three types:…

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What do I need to know about private tenancies?

What do I need to know about private tenancies?

The growth in the number of people renting property continues, and the popularity in renting looks set to remain as the price of buying property rises up and up leaving many with no option but to rent. For many others, renting leaves them without the hassle and commitment of a mortgage, and represents a good temporary housing solution. Private tenancies are very common in the UK, and are legal agreements between a private landlord and…

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What do I need to know about problems with neighbours when renting?

What do I need to know about problems with neighbours when renting?

Sometimes, after renting a property, you may find you have problem neighbours. Problems can include: boundary issues, noise and harassment. What if my neighbour is making too much noise? There are a number of steps you can take if have a neighbour making too much noise. First of all, it is recommended you talk to your neighbour if you feel comfortable doing so. If you are unable or feel uncomfortable talking to your neighbour and…

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What do I need to know about property surveys?

What do I need to know about property surveys?

When you are buying a home it’s important to get a report about the property’s overall condition. This can help uncover any work that may need to be done to the property before you buy. Buying a property When you are thinking about buying a property its a good idea to find out whether there are any problems with the structure. You should also know if any repairs or alterations need to be made. A…

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What do I need to know about property values and valuations?

What do I need to know about property values and valuations?

How much you can sell your current home for will be crucial when deciding your next move. It pays to do some research to make sure you achieve the best price in the shortest time. So how much is my home worth? You can get an idea of the prices in your area before you sell by visiting the Land Registry website. Here you can see what is actually happening to average prices of property…

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What do I need to know about renting a room in a shared house?

What do I need to know about renting a room in a shared house?

If you are renting or thinking of renting a room in someone’s home there are some important issues to be aware of. It’s worthwhile finding out what the issues are and being aware of your rights. Knowing your rights In law, a resident landlord letting is where the landlord and the tenant live in the same building. This includes conversions where they live in different parts of the same property (however long ago the property…

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What do I need to know about repairing my home when renting?

What do I need to know about repairing my home when renting?

Short leases are leases for periods of less than seven years. Short leases can be granted by private landlords, registered social landlords (such as housing associations) or public bodies such as local councils. They include periodic tenancies where the tenant has not got a fixed term agreement and occupies property on, for example, a weekly or monthly basis. In some cases the arrangement between the parties will not be a tenancy but a licence. What…

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What do I need to know about reverse mortgages?

What do I need to know about reverse mortgages?

Home equity release arrangements, such as “reverse mortgages”, can be useful tools for retirement planning. It is important, though, that a homeowner entering into such an arrangement has a good understanding of its disadvantages as well as its advantages. How does a reverse mortgage work? A reverse mortgage, which is sometimes also known as a “lifetime mortgage”, is simply a loan that is secured by the borrower’s primary residence and that is repaid when the…

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What do I need to know about selling property?

What do I need to know about selling property?

This article provides an overview of the legal process involved in selling property and addresses a host of common concerns raised by vendors. The deposit Many sellers ask for a deposit equal to 10% of the purchase price, but your solicitor may advise you to accept less. For most buyers, the amount of the deposit they pay will hinge on the size of the mortgage they need to fund the purchase. In recent times, mortgages…

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What do I need to know about tenancy agreements?

What do I need to know about tenancy agreements?

What are the main types of tenancy and how can they be terminated? Assured Shorthold Tenancies (ASTs) An Assured Shorthold Tenancy (AST) is the most popular form of tenancy. Since 15 January 1989, most new tenancies are automatically ASTs. A tenancy tends to be an AST if all of the following elements are present: the property being rented is private accommodation the tenancy commenced on or after 15 January 1989 the property is the principal…

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What do I need to know about tenancy deposit protection schemes?

What do I need to know about tenancy deposit protection schemes?

Statutory protection for tenancy deposits came into effect in England and Wales on 6 April 2007 as part of reforms introduced by the Housing Act 2004. As described below, the objective of the protection is to ensure tenants get all or part of their deposit back when they are entitled to it and encourage both tenants and landlords to make a clear agreement from the start of a tenancy on the condition of the property….

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What do I need to know about the deposit protection scheme?

What do I need to know about the deposit protection scheme?

The Tenancy Deposit Scheme came into force on the 6th April 2007. If you are not protecting a tenants deposit you will be ordered to repay three times the amount to the tenant so find out how you can protect deposits and resolve disputes. Why protect deposits? Deposits are protected to ensure: tenants get all or part of their deposit back, when they are entitled to it any disputes between tenants and landlords or agents…

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What do I need to know about the mortgage application process?

What do I need to know about the mortgage application process?

The process of home-buying is widely seen as being very complex, involving as it does considerable legal and financial arrangements, not to mention the more difficult part of actually choosing the right home to buy. For a lucky few, the process of buying a property is made simple by family savings, which can provide the necessary financial investment to complete the purchase, but for everyone else, buying a house will inevitably involve a mortgage application…

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What do I need to know about the New Build HomeBuy scheme?

What do I need to know about the New Build HomeBuy scheme?

The New Build HomeBuy scheme could help you to buy a newly built property. You pay for a share of the cost of the property and pay rent on the remaining amount. Find out if you are eligible and how the scheme works. New Build HomeBuy scheme – who can apply? The New Build HomeBuy scheme is available for certain properties in some areas of England. Before you can buy a home through the scheme…

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What do I need to know about the Rent to HomeBuy scheme?

What do I need to know about the Rent to HomeBuy scheme?

If you are having trouble getting a mortgage without a deposit, you could get help through the Rent to HomeBuy scheme. Through the scheme, you could rent a newly built home before buying a share of it. Find out if you are eligible and how the scheme works. Rent to HomeBuy scheme – who can apply? The Rent to HomeBuy scheme is available for certain properties in England. Before you can get a home through…

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What do I need to know about the Right to Buy scheme?

What do I need to know about the Right to Buy scheme?

The Right to Buy scheme gives eligible council tenants the right to buy their property from their council at a discount. Tenants of housing associations who hold the preserved right to buy (PRTB) may also be eligible for the scheme. Are you eligible? If you have been a secure council tenant for at least two years (or five years if you became a tenant after 18 January 2005) you are likely to have the Right…

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What do I need to know about using an estate agent to sell a property?

What do I need to know about using an estate agent to sell a property?

If you are selling a property and want to use an estate agent, you will usually sign a contract and have to pay a fee. Find out about finding an estate agent and signing the contract. Finding an estate agent If you choose to use an estate agent to help you sell your property, make sure you shop around and find the right company for you. Ask family and friends for recommendations. Trade organisations for…

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What do I need to know about using demolition services?

What do I need to know about using demolition services?

If you plan to demolish a building or part of one you may need to get planning permission from your local council. It’s also a good idea to inform any neighbours that might be affected. Getting planning permission Tell your local council if you intend to knock down a building, or part of a building. Surveyors will visit your site to ensure your planned demolition complies with the Building Act 1984. You might also need…

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What does a solicitor do when I buy a property?

What does a solicitor do when I buy a property?

The process of transferring ownership of a property from one person to another legally is called conveyancing. As this process is quite complicated using a solicitor is usually the best course of action. I cannot do the conveyancing myself. How do I hire a solicitor? A solicitor can be found either by searching the Findlaw.co.uk solicitor directory or searching using an internet search engine such as Google. Once you have found a solicitor you like,…

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What does the law say about trespassing?

What does the law say about trespassing?

What does the law say about trespassing?

The law of trespass in relation to land is designed to protect an individual from unlawful interference by somebody else with his land. Trespassing on to somebody else’s land without a lawful excuse is an offence itself and is one of the rare forms of tort claims in which a claimant can bring a claim without having to prove any damage has occurred. However, it is not a criminal offence and so property owners must…

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What is a deed of trust and how do I get one?

What is a deed of trust and how do I get one?

If you require further help on a matter of property law you can use our solicitor directory to the right of this article to look for legal advice near you. What is a deed of trust? Also known as a ‘Declaration of Trust,’ a deed of trust is a legal document, which states how a property is held between joint owners. What does a deed of trust do? Essentially, the purpose of a deed of trust is…

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What is a mortgage?

What is a mortgage?

A mortgage is a loan you take out to buy property. Most banks and building societies offer mortgages, as well as specialist mortgage lending companies. If you change lenders but don’t move home it’s referred to as a ‘remortgage’. The Financial Services Authority (FSA) regulates the way most mortgages are sold, but not second-charge and most buy-to-let mortgages. This means firms must follow certain rules and standards when dealing with you. Choosing a mortgage –…

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What is a statutory nuisance?

What is a statutory nuisance?

To take action against someone causing you a problem, a council must be certain that the problem is a ‘statutory nuisance’. This is often difficult to decide, but the council must look at whether the behaviour (the noise, for example) is ordinary reasonable behaviour, and how many households it affects. As well as noise, statutory nuisance can include: smoke, fumes or gases; dust, steam or smells; and animals kept in unhygienic or unsafe conditions. A…

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What is HomeBuy Direct?

What is HomeBuy Direct?

If you are a first-time buyer who cant afford to buy a home without help, find out about the HomeBuy Direct scheme. You could get an equity loan for up to 30 per cent of the cost of a home. HomeBuy Direct – who can apply? The HomeBuy Direct scheme covers certain properties in every region of England. Before you can get a home through the scheme, you need be sure that you meet the…

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What is property title fraud?

What is property title fraud?

There are unfortunately many different types of mortgage fraud that occur within the UK. Property title fraud refers to the specific act of taking out a mortgage under a property title of which that person is not the proprietor and then using the mortgage money for themselves. Essentially, therefore, the fraudster will claim to be the owner of a property of which he or she is not, take out a mortgage against that property, and…

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What is the Landlord Energy Saving Allowance?

What is the Landlord Energy Saving Allowance?

Landlords Energy Saving Allowance If you are a landlord and make energy saving improvements to your property, you could reduce the tax you pay. You can do this by claiming the Landlords Energy Saving Allowance (LESA). Find out if you are eligible, what the allowance covers and how to apply for it. Who can claim LESA? You can claim LESA if you are a landlord renting out residential property and are either: an individual landlord…

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What is the law regarding squatters?

What is the law regarding squatters?

When someone occupies an empty or abandoned residential property which they don’t own or rent, without the owner’s permission, it is called squatting.  If your property has been taken over by squatters and you would like to remove them, you may wish to consult a solicitor or the Citizens Advice Bureau for advice. Removing squatters from your property There are specific laws relating to trespassing on residential property, which are intended to protect those who…

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What low-cost home ownership schemes are available?

What low-cost home ownership schemes are available?

If you cannot afford to get onto the housing ladder, low-cost home ownership may be a good way for you to buy your home.   Help to Buy The Help to Buy government scheme is ideal if you have a small deposit – typically, a minimum of five per cent – on a property with a purchase price of up to £600,000. If you do, you may be able to use the scheme in one…

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What money problems can occur if I have a mortgage?

What money problems can occur if I have a mortgage?

A mortgage is a loan secured on a property, which means you cannot sell the property without repaying the loan. If you do not keep up your repayments, the lender ultimately has the right to go to court for an order to repossess and sell your home. But there are certain processes to go through before it gets to that stage. Negative equity If the value of your home has dropped since you bought it,…

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What obligations do I have if I am a landlord or a tenant?

What obligations do I have if I am a landlord or a tenant?

Whether you are a landlord or tenant, it is vital that you are aware of your legal rights and obligations. The law protects both parties and does not permit you to “take the law into your own hands”, irrespective of circumstances. It is important that landlords fully understand their obligations. The Disability Discrimination Act, Sex Discrimination Act and Race Relations Act also apply to anyone letting, selling or managing premises. If you are in doubt…

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What other issues can arise when renting and letting?

What other issues can arise when renting and letting?

Bedsits and hostels Some types of rented accommodation are called ‘houses in multiple occupation’ (HMOs), including most: houses split into bedsits; houseshares where everyone has a separate tenancy or licence agreement; hostels; and bed and breakfasts. Local councils must operate an HMO licensing scheme for buildings of three or more storeys that have five or more people from more than one household living there. They may operate a licensing scheme for other HMOs, too. The…

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What planning do I need to do when buying a home?

What planning do I need to do when buying a home?

Buying a property will probably be your biggest single investment. So it’s important to work out the total cost – not just the mortgage – and how much you can really afford. You also need to plan for increases in your future outgoings, like a rise in interest rates. ‘One-off’ buying costs Deposit Lenders are increasingly expecting you to have a large sum to put down as a deposit. You will need to save up…

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What should I consider before choosing a conveyancing solicitor?

What should I consider before choosing a conveyancing solicitor?

Buying a property and moving is stressful enough without having to question whether you’ve chosen the right conveyancing solicitor. But there are literally thousands of solicitors to choose from. So how do you find the right one to handle your conveyance? Here are some things to consider: Cost Although cost is an important factor, you should not let it become the only thing you take into account. As in so many areas of life, the…

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What should I do if I want to view a property I am thinking of buying?

What should I do if I want to view a property I am thinking of buying?

When viewing a property it is easy to forget to ask important questions. Use these checklists to help you prepare for visits to properties you are interested in. The lists include questions you could ask the seller and what to look out for while you are in the building. Research the area and property Try to do as much background research as you can on the property and the area. This makes it less likely…

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What should I keep in mind when choosing a new area to live in?

What should I keep in mind when choosing a new area to live in?

When you are considering moving to a new area, there are a number of things you may want to look at before making your decision. You may want to find a job in certain area or move to somewhere that has better schools or more green spaces. Finding information before you move You can find out a lotabout a new area to help you decide whether you want tomove there or not.The following links will…

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What should the price of a property include?

What should the price of a property include?

The items normally included with a property when it is sold are often called ‘fixtures and fittings’. These should be listed in writing to avoid arguments over whether things like light fittings or built-in furniture should be: taken away by the seller; included in the sale; or offered for sale separately. If you are selling, your solicitor will normally get you to make a detailed list of what is included. This list will form part…

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What types of mortgage are there?

What types of mortgage are there?

When you choose a mortgage, you’ll need to think about the repayment method, interest rate deals and special features of some mortgages. The best one for you will depend on your circumstances – so it’s important to understand your options and shop around. Repayment methods There are the two main ways you can pay off your mortgage. These are called ‘repayment’ or ‘interest only’. Repayment mortgage With a repayment mortgage you make monthly repayments for…

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Where can I get information on land or property ownership?

Where can I get information on land or property ownership?

Find out how to obtain details of who owns property in England and Wales and the latest house prices. Also, discover the advantages of registering your own property and what having a registered title means. House price information The House Price Index, published monthly by Land Registry, uses information collected on all residential house sales and purchases in England and Wales. It includes figures at national, regional, county and London borough level. You can produce…

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Who qualifies as a key worker?

Who qualifies as a key worker?

Key workers are people who work in certain public sector jobs, like NHS clinical staff, who are eligible for help to buy a home. Find out whether you qualify as a key worker. Who is eligible to buy a home as a key worker Key worker roles are certain public sector jobs based in England. You may be eligible for help to buy a home through one of the HomeBuy schemes if you are a…

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Who should I see and what do I take when attempting to get a mortgage?

Who should I see and what do I take when attempting to get a mortgage?

If you are worried about making your mortgage repayments or losing your home, an independent adviser can help. Find out how to contact an adviser, what they can do and what to take with you. How an adviser can help An adviser at a free and independent advice agency can help you: put together a plan for managing your debt create a budget prepare to speak to your lender about making a new repayment arrangement…

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