All posts by Gannon Kassulke

cheapest place to live in the uk

Finding the cheapest place to live in the uk

The one thing that everybody needs is an affordable but comfortable home.  Most cities in the UK have very expensive houses. London is known to have some of the most expensive homes in the UK. House prices begin to fall when you move away from inner boroughs of London to the outer zones. Many other cities have the same trend in home prices. This does not mean that there are no good and cheap places to live in. You will realise that there are more than one cheapest place to live in the UK that are also quite appealing. In fact, some of these homes are located right by the seaside. Some towns also have low-cost houses right in their central business districts.

Many things determine the price of a house. The first one is the type of the house. A house can go for a given price depending on its size and architecture. The larger and more architecturally endowed a house is, the more expensive it will be.  For this reason, flats are generally less costly than mansions. This is only true for houses that are located within the same geographical area. Location of a house is probably the most important determinant of house prices. Houses that are located in the major cities are generally more expensive than those in the suburbs. This could explain the difference in house prices between zone one and zone seven of London.

The cheapest places to live in the UK through a recent research include:

  • Great Horton Road, Bradford
  • Central Burnley, Burnley
  • North Ormesby, Middleborough
  • Little Masden, Pendle
  • South Rosegroove, Burnley
  • And Bradley,

A house can be gigantic but still cost less than a smaller one that is located in a large city boundary. It is upon the buyer to decide whether it is the location of the house that matters or its architecture.  A buyer may be forced to purchase an expensive home by his job requirements. A good number of people who work in the cities and live in small but expensive houses in had to put up with the exorbitant costs because of need rather than desire. These people could easily move to cheaper houses at the first sign of opportunity.

The burden of home prices is usually weighed against incomes. A house price can be two, three or even ten times more than the income of a buyer.  The most expensive houses prices can be as much as 75 times the average income of people living within the same geographical area. A good example is Belgravia in West London. Belgravia has house prices that are as much as 73.4 times the average income of people living in the city. This implies that you have to borrow a mortgage that is 73.4 times your income to afford a house in Belgravia. You might console yourself that mortgage repayment is extended for some time and therefore that figure is technically not scary. However, you must also note that you may be required to repay larger instalments. The mortgage may also extend way into your retirement years.

What to expect from Langleys Solicitors

The real estate market in Langley is rapidly growing.  Its growth curve is now at its highest gradient. The solicitors in Langley have done everything in their power to ensure that the housing market works very smoothly for both buyers and sellers.  They have streamlined conveyance and made property financing very easy. The efficiency of these solicitors can be attributed to the properly structured conveyance system in Langley. All solicitors in this town are organised into highly reputable firms. Various governmental bodies control the firms and their solicitors. All these have made the real estate market as best as it could ever get.

Success of most businesses depends on the interplay between supply and demand.  The more demand there is, the higher the supply will be. This is in keeping with the economic law of equilibrium. Langley is one that has proven the veracity of this law of economics beyond a reasonable doubt.  Langley is a highly populated city. People come to this city to enjoy the many opportunities that it offers.  The employment rate in the city has been increasing drastically in the past few years. Education and retail businesses have also grown a great deal. Other people have emigrated to this town to escape the stress of larger cities such as London. All this implies that the housing market in Langley is experiencing an increase in demand.

Langley property market

Fortunately for Langley, there are enough resources to accommodate the growing population. Local Authorities in the city has put forward plans for housing the growing population. Many investors have taken advantage of the real estate opportunities in Langley to construct one property after the other.  Houses and home ownership in the city have been diversified to meet everyone’s needs. Some houses are suited for students and those that can accommodate a large family. Home ownership has been made so easy that even low-income earners can now find a place to call home.

The other major players in the real estate market of Langley are its mortgage lenders. The mortgage has never been easier to get. Gone are the days when you had to wait for years to process a mortgage. Now you can have your mortgage ready in less than six months. Eligibility for a mortgage has been widened to invite low-income earners to apply.

Conveyancing with Langleys Solicitors

It is the solicitors that have overseen all these growths and developments in the city. They have been at the top of policy marking in matters of real estate. They have liaised with mortgage lenders, real estate investors and the government to make home ownership easier. The solicitors have come up with housing rules that have made properties easier to secure. They are very involved in almost all real estate transactions. Their role in conveyance has prevented disputes that usually arise from property ownership and misinterpretation of real estate rules.

The solicitors are still actively involved in the housing market. They work day and night to ensure that clients do not go haywire. They are the future of Langley real estate market.

rented property issues

The rented property issues to know before signing tenancy agreements

Tenancy is subject to several issues.  Tenants have limited right on the flats they live in. Landlords get to make most rules that govern tenure. Most of these rules suit landlords rather than tenants. Tenants are the ones who live in these properties. Subjecting them to rules that they do not subscribe to is subjecting to them to slavery at the very place that they should feel comfortable and secure.  Inappropriate rules are just one of the many other rented property issues you need to know before conveyancing.

Tenants cannot manipulate immobile components of their homes to their advantage. Almost all landlords forbid modification of their properties. Sometimes a tenant wishes to change their showerheads from the obsolete ones to new ones that pour hot water. However, because their rights to changing immobile properties are limited, they will be unable to modify the shower heads. Even kitchen set-ups may not be impressive to tenants. Changing immobile properties such us showers and kitchen set-ups are forbidden by tenancy laws. Therefore, tenants have to put up with the conditions of their homes, whether they like it or not.

What kind of rented property issues may arise

Tenants must pay rents regularly and at specific times. Most landlords demand monthly payment of rent. A good number of people do not earn a steady income. Sometimes they go for long without earning anything. These people are highly inconvenienced with regular payments of rent. Failure to pay rent is subject to severe punitive measures. These range from extra charges to impromptu loss of tenancy.

Tenants are usually required to pay a deposit upon signing for tenancy. The deposit is generally equal to but separate from the rent. The deposit covers for depreciation of the unit occupied by the tenant. It also protects landlords from tenant’s inability to pay a months’ rent. The deposit should be refunded to the tenant upon signing out of the unit. However, this is never the case. Most landlords make up all sorts of excuses to keep the entire deposit or a significant portion of it. This is an inconvenience that tenants endure.

Tenants are required to leave the apartment cleaned when signing out of tenancy. The apartment must be cleaned, not by the tents themselves, but by a professional. It is the tenant’s responsibility to hire the professional cleaner. If the landlord thinks that the unit requires repainting, then he will coax the tenant into repainting it. It is ridiculous to have to clean a house you are leaving. It is also expensive. To make matters worse, this demand is usually never included in the tenancy agreement.

Tenanted properties do not have proper guidelines regulating the use of common areas such as lifts and lobbies. The properties are occupied by many people from diverse backgrounds. Everyone has his own ideas about how to use common area. Some use these areas to the disadvantage of others. This results into a conflict between tenants.

Most tenanted properties are managed by real estate agents. These agents work for money. They have little regard to tenants’ interests. Complaints put forward by tenants are easily ignored by the agents.

vacant possession

What Vacant Possession really means?

Vacant possession is a term commonly used when selling or purchasing a piece of property. It is a legal obligation of the relevant party to ensure that the property is in a proper state that is fit to be occupied. “Vacant possession” otherwise known as VP among some legal circles is present to ensure that the person coming to occupy or possess a piece of property has full freedom to do whatever he/she wishes to do with the property. Any impediment left by the previous tenant or owner of the property is deemed a violation of vacant possession.

There however always rises cases where one cannot clearly define the term “vacant.” For instance, in certain cases, even the smallest pieces of rubbish could pass off as a violation of vacant possession. In other courts rubbish no matter the amount would not qualify.

Cases where vacant possession is given

The word “vacant” is still not a clearly defined term so there has to be a set of rules as to when vacant possession can be given. Here are some of the main circumstances where vacant possession is given:

  • When a piece of property is sold or a lease is granted
  • When a tenant vacates
  • When a tenant vacates the property or breaks the contract early

It is important to note that vacant possession is required for a purchaser to actually complete the transaction. If vacant possession is not given, then the purchaser has the right to settle the matter in a court of law. Here he would be required to prove that the previous occupier or owner of the property did not entirely “vacate” the premises.

What “vacant possession” really means

For vacant possession, the property must first be empty of all items or what in legal terms is known as chattels. Chattels are any items that might be deemed to impede the full occupation of the property or in any way curtail the purchaser’s right to enjoy the property fully. Chattels can include pictures, boxes, furniture, equipment and all sorts of goods.

Chattels can also include any form of rubbish that is left on the property. In fact, most of the cases involving vacant possession revolve around the issue of rubbish. As mentioned earlier the nature and the amount of rubbish that constitutes a violation of vacant possession is not clearly defined. It is up to the plaintiff to prove that the rubbish in some way prevented him from fully enjoying the property.

One other requirement for vacant possession is that any people do not occupy the property. The seller must ensure that any individual including family, friends, acquaintances, employees and so on vacate the premises before the buyer arrives.

Vacant possession also requires that there be no one else with the right to possess the property. Vacant possession will not be given if anyone besides the buyer has any legal claim to the property in the form of a lease, a deed, an occupational licence and so on.

It suffices to say the vacant possession is an important part of a real estate transaction. The seller must ensure that all the conditions about vacant possession are met so as to complete the deal.

Land Registry Forms

Land Registry Forms during Conveyancing – Things to be considered

Land Registry is the most vital and most important part of the conveyancing process. Even if the entire process of search and contract has been completed, the land registry gives the final legal validation to the change of the title of the property. However, the buyer or the seller of the property has to fill the Land Registry Forms during the process in order to complete it. Change of Title is a crucial part of any property, and that may arise after or before the conveyancing as well. If the seller wants to change the title of the property before selling it off to avoid confusion, then it can be done at the office with the help of a solicitor. However, that does not necessarily mean that it can be changed as anyone wants. There are certain procedures and requirements of supportive documents to carry out the process. Here are the things that you must consider.

When to Register?

The first thing is to understand that when should you register at the Land Registry office. Whenever you buy a home, inherit it or transfer it from someone, build it, after the mortgage as well, you need to go for registration. However, for registration process of at the Land Registry Office, you need to complete the registration forms and complete the documentation. However, the documentation and land registry forms may differ here and there, but the core process remains the same for the registry. The forms are also required if someone is changing the title of the property for different reasons. It can change of name after marriage or after divorce. It can be due to the inherited property or others. The purpose of the Land Registry is to record each and every change that is happening in the every residential house across the United Kingdom. It is therefore very important to carry out the process during the conveyancing process. It is even required for the leasehold properties in the UK unless you have the lease for fewer than seven years.

Land Registration Forms

There are different Land Registration Forms that are to be filled by the applicants with the help of the solicitor. There are many forms and here are some of them that are important for conveyancing process and the overall transfer of property.

Standard Form of Charge – Approval is also known as the ACD form and used for Charge Deed or Mortgage Deed. For Adverse Possession or ADV forms, you can use ADV1 for registration and ADV2 for notification. AN1 is used for Agreed Notice of Registration. AP1 is on the other hand used for Change of Register. AS forms are used for Registered Title (AS1, AS2, AS3). For Commonhold CM1-CM6 are used for all the process from registration to termination. There are many other forms for Commonhold properties like COM, CON, COG and others. DS forms are used for mortgage issues. EX forms are used for Document Exemptions. HR forms are used for Renewal and Rights, and ID forms are used for Identification. TR forms are used for the whole registration and other purposes of the title.

Many other forms are available for Land Registry and the use depend on the purposes.

Conveyancing Searches

Different Conveyancing Searches and their significance

Conveyancing is the legal process of transferring the property from one title owner to another. However, it has different stages that must be completed by the solicitor hired by the buyer and the seller respectively. After the draft agreements are agreed upon the solicitor of the buyer must conduct conveyancing searches in different local authorities in the United Kingdom to ensure that the property in concern is free from all liabilities and has the merits to be sold. This is one of the most crucial procedure in the conveyancing process and also the most time consuming. It is not always easy to get the clearance or pass certificate from the local authorities for the different searches that are to be performed as part of the conveyancing process. This is why it becomes very important to be aware of the process and the various conveyancing searches.

Different Conveyancing searches

There are many searches that must be performed as part of the conveyancing process. These searches are basically associated with the planning and legal association of the property. As per the rules and norms of the the United Kingdom and Land Registry office, multiple searches are to be conducted by the solicitor on behalf of the buyer. Here are the different conveyance searches and their details.

Local Authority Searches

The local authority searches mainly deal with the planning part of the property. It is about any dispute, boundaries of the property, planning permissions, Rights of the way, Utility services, Guarantees and other contracts if applicable. These searches are generally the most common ones and do not really take much time.

Water and Drainage Searches

The local water company must be contacted to get the clearance about the water and drainage of the property. It also includes the searches concerning the public sewage and proximity of it from the property. Any buyer should conduct this search for the proper information and avoid hassle at later of the point of time after the completion of the conveyancing process.

Environmental Searches

This is one of the most important searches for conveyancing purposes. The property under consideration must not violate any environmental norms, and a passing certificate must be obtained from the concerned authority. If the search is not conducted, and any violation is found even if by the previous owners, the current owner has to bear the wrath of the law and government. This can result in the hefty amount of fine and cleaning up a process that may end up in thousands of pounds.

Common Searches

If the property has a boundary with any common land, then the common registration act must be verified for a smoother process.

Mining Search

If the property is located in an area with mining history, then the stability of the ground must be verified.

Land Charges

The solicitor of the buyer must ensure that all the land charges of the property are cleared. The land charges can be for taxes, insurances, and other liabilities.

Chancel Repair Liability

If the property belongs to the area of Parochial Church Council of United Kingdom, then the verification of the chancel repair liability must be conducted. The charges for the chancel repair liability are very high, and if ignored then the buyer may have to face the cost.

Documentation

All the documentation pertaining to the property must be verified by the solicitor of the buyer to ensure that the property is legally valid from all aspects.

The conveyancing searches may be conducted by the local authorities or by the search companies. The local authorities search generally cost more for the buyer.

Chancel Repair Liability

How Chancel Repair Liability Impacts Conveyancing Process

The Residential Conveyancing process may look pretty simple when two solicitors come together from buyer and seller and sign an agreement. The agreement gets registered at Land Registry office and the conveyancing process gets completed, this is the very basic idea of conveyancing. However, in real life, there are many complications and obstructions that come before the buyer or seller during or before the conveyancing process. Some are common and often classified as legal complications but some are uncommon but equally complex. Chancel Repair Liability is one of the issues that can have an adverse impact on conveyancing cost and thus it is very important to understand what it is and how it should be dealt.

What is Chancel Repair Liability?

The properties in the United Kingdom that are built on the ecclesiastical land of the Church are responsible for the maintenance of it. To elaborate it more preciously, all the properties that come under the Parochial Parish Council should contribute to the maintenance of the Church. In fact, the Church is entitled to have it. Even though the Land Registration Act 2002 enforced a 10 year deadline for the Chancel Repair Liability, but the properties registered before 13th October 2013 are largely vulnerable to this entitlement. However, the Section 29 also allows the Council to seek interest on the same even on the property registered post that date. The claim of the church can be huge and sometimes extremely high.

How does it impact conveyancing?

Any person who wants to legally buy a property that comes under the Chancel Repair Liability may get the notice of the maintenance cost. In the United Kingdom, the liability cost is generally huge and that may either shelve the plans of the buyer or a legal battle may start. It is time consuming and money losing chances equation for the buyer. However, due to the liability claims many tend to buy the property especially if the property was last registered before October 13, 2012. In such cases, the buyers may get a good price. However, that does not mean that the liability claim cannot be made. There are still chances that the Church can make liability claims even if the registration is done after October 13, 2012.

What one should do?

For a buyer, it is very important to take a clear stand on the issue. The first thing is to carry out a detailed search of the property by the solicitor to ensure the probability of this liability claim. The registration of the property and the valid papers are generally cross verified to understand the chances of chancel repair liability. A buyer can pay the amount through a solicitor or go for the legal assistance. However, insurance and early measures are more recommended for the repair liability claims. There are many properties that get into the not so famous chance repair but early consideration and careful observance can be very helpful for the buyer.

The conveyancing process may get hampered and the cost of conveyancing process may increase by considerable fold including the time to complete the process.

Conveyancing in Langley

Conveyancing in Langley

Langley is a village belonging to Slough area, Berkshire. It is close to London (approx 30 km), which makes commuting easier and gives people the possibility to work in London and live near, in a less urbanised area. What is Langley position on the UK housing market; the importance of Crossrail development for the conveyancing process in Langley and which are the solicitor’s duty when conveyancing in Langley.

The Crossrail, a new line built with the purpose of easing the connection between London and South East, will provide a quicker and better transport to, within and towards London. At the same time, there are other benefits when it comes to the Crossrail for home-owners: their property price will rise if close to the rail. On the other hand, the prices are already higher than two years ago, so if you are planning on moving and acquiring a property in Langley, today is better than tomorrow. The forecast predicts a rise in the prices as much as 43% (Reading area) and 39% (Slough area) until 2020 when the Crossrail should be entirely functional. Starting at the end of 2019, passengers from Langley will be able to travel to and from London without changing trains, which will influences without a doubt people decisions to move in Berkshire area.

Moreover, the cost of conveyancing in Langley will also rise at the same time with the development of the housing market and the newly stated position on the UK’s top creative hubs, with more and more job opportunities in media, advertising and so on. The solicitor duty is to give all the necessary details regarding the actual state of the housing market and if all the necessary houses searches are properly conducted. Is your house going to be affected due to its proximity to the rail line, can my life quality be major influenced by the specifics of the area (the Crossrail, people stream on your property, on a common walk path. Is the property located in a conservation area, is the house value the real high or am I paying more for it due to the future possible investments in the area related to the new railway)?

The conveyancing process respects the same rules as everywhere in the UK, though with the new improvements already announced, Langley’s solicitors’ rates will be higher than expected within a couple of years. Investing in a property in Langley is a good decision, in the long term, though it already cost you more than two years ago but less than in 2 years time.

Staircasing

How Staircasing is making housing easy and affordable

In the United Kingdom, everyone wants to buy a house of their own. However, it is not always possible to do so. Many things need to be considered, and the budget plays the spoiler role for most of the cases. However, if a buyer goes for shared ownership, then the process can become relatively affordable and accessible. The staircasing procedure further makes it easy for the buyer. However, what is shared ownership and what is staircasing? Here are the answers that can help you to get comfortable housing.

What is Shared Ownership?

Shared Ownership is the special housing scheme where a buyer can eventually buy portions of the house. So, if you are a buyer, you can buy 25% of the house and pay the rent for the remaining 75% to a housing association. This is one of the best options for the buyers who are lacking budget. The total amount of the purchase gets reduced, so does the deposit amount. You can pay the rent of the remaining house and own particular portion. The conveyancing and mortgage process of the shared ownership is same as the normal ownership. The shared ownership is generally provided by the housing association. However, how can you be the entire owner of the house? How is it different from the typical lease? Staircasing is the answer for all these.

What is Staricasing?

Even though you have taken a lease of some portion of the house, but you can eventually take more parts of the house. This is called Staircasing. Suppose, you have owned 25% of the house, and you have repaid the existing mortgage and arranged some money again for deposit. According to your budget, you can further increase your stake at the house. You can simply buy another 35% of the house again with the same process as earlier. So, you need to pay rent for the remaining 40% now, and you would own 60% of the house. This can be considered one staricasing. In the same way, you can own the entire 100% of the house through the staircasing process. It remains effective, easy, straightforward and affordable as well. However, the buyer must understand that only four staircasing is allowed for a house including the first purchase. So, after the first purchase, the buyer would be allowed to staircase three more times to own the entire house.

How it impacts the Mortgage?

The mortgage process of the staircasing is conventional and has no difference. The lender would visit the property and decide the mortgage amount. The conventional mortgage percentage of 80% is generally provided depending on the application for a mortgage, however. You can reapply for the mortgage once a mortgage has been closed and repaid.

The staircasing is considered one of the best policies in the UK for the housing and has helped many to own house for a long time.

solicitors in coventry area

How to find good solicitors in Coventry Area

Conveyancing is the process of transferring property from seller to the buyer. This is a process that ensures that all legal aspects of the transferring have been met. In the United Kingdom, generally, the conveyancing is carried out by the solicitor or the conveyancer. Whether, you are a seller or a buyer, the process of conveyancing must be followed to make sure that the title of the property is legally transferred.  However, to carry out the process, you must find out the right solicitors in Coventry Area.

To choose the best solicitor one must understand the basic parameters. There are many attorneys and law firms available in the region, but not everyone is the best. One must look for the experienced, expert, accredited and qualified solicitor. The past records and the feedback of the solicitors should also be taken into consideration before selecting the solicitor. You must understand the significance of the qualities in the solicitors. These qualities are very much necessary for smooth and hassle free conveyancing. Here are some of the most popular and trustworthy solicitors in Coventry area. However, it is always better to do the ground research before finalising the solicitors in Coventry area.

List of Solicitors in Coventry Area

There are some solicitors in Coventry region. There are dedicated solicitors for the conveyancing process, and there are others who can take care of the property dispute as well in case it is required. The best part of the solicitors in Coventry area is that you have got a different combination of experience, expertise, budgets and area of specialisation as well. You may need to find and carry out some research before zeroing the perfect solicitor but here are some of the popular and well-known solicitors in Coventry area.

NBM Law

This is one of the most trustworthy and reputed solicitor’s firms in the region. The accredited law firm has an immense amount of experience and quality solicitors. The combination of the experience and the expertise make it desired firm. There are different solicitors working with the firm that is qualified for the conveyancing and other legal purposes. You can get multiple schemes like fixed price and other cost-effective benefits as well.

Will and Probate Solicitors Coventry

This is one of the most reputed law firms in Coventry region and is known for the high value and affordable services for the legal disputes and general conveyancing process. The law firm has established and earned the reputation of a smooth process, and you can contact them for the No Conveyancing No Fee or No Win No Fee policies as well.

Challenor Gardiner Solicitors

This is also one of the trustworthy and reputed solicitors in Coventry and has been providing services for a long time. The affordable services are the major attractions of the law firm. The solicitors are qualified, experienced and expertise in their subject. If you are looking for a solicitor with an affordable budget, then this could be a right choice.

Conveyancing or Property Dispute or any other legal tussle would require solicitors, and you must ensure to go through the track record of the law firm, or solicitors must be verified.