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Laura Gill

This author has written 20 articles
SDLT holiday

News: Stamp duty holiday extended until the end of June

What does it mean for you? In the Budget, today, the Chancellor has confirmed that the stamp duty holiday on properties priced up to £500,000 has been extended by three months until the end of June. In addition, the holiday will also apply to properties priced up to £250,000 until the end of September 2021! The extension provides relief for buyers who were unlikely to complete their transactions before the original March 31 deadline. With a tax cut now available for buyers until September, this should also help to ensure…

Cohabiting property

Cohabiting property ownership disputes

What happens when a failed relationship gives rise to cohabiting property ownership disputes? Separation is never easy, but if you and your former partner own property together, the situation can be even more complicated. If you have been living with a partner, but you are not married, the legal term is ‘cohabitation’. When cohabitees separate, they are not afforded the same protections in law as married couples who are getting divorced. This can be difficult, as, for many cohabiting couples, there is little difference in practical terms. In this article,…

moving to new home

How long does it take to buy a property? Everything you need to know.

Buying a new home is exciting, but you may be anxious about how long the process could take from start to finish. Understanding how long you can expect to wait before you get the keys to your new home can help you to plan both practically and financially. In this post, we set out an estimated duration for each stage of the conveyancing process. Finding your new home (8-12 weeks) Finding your ideal property is possibly the most difficult stage to allocate a time limit as this really depends on…

Selling or buying property during COVID-19

One thing is certain, the property market has been paralysed by lockdown. However, the tide is turning so if you are looking to put your home on the market or wanting to purchase a property take note. The advance of modern technology has made everything possible now.  360 Virtual viewings are now an option and your agents can be contacted via email, with some offering video consultations. Sellers, if you are, or have been thinking about putting your property on the market – don’t delay. Now is the time to…

Covid-19: Help with your mortgage

During these unprecedented times, many homeowners and buy to let landlords will have a fear of what will happen with their home or investment property if they cannot continue to make mortgage payments. Unlike the provisions to protect residential and commercial tenants from eviction, mortgage holidays from UK lenders are (as things stand) not enforced by law. The policy adopted by most lenders is the consequence of an agreement between the government and principle lenders, but, this scheme is voluntary and does not have to be supported by a lender…

Landlords must comply with latest energy standards

Landlords of residential property could face high fines if they do not meet the latest energy efficiency standards.  On 1st April 2020, the latest stage of the Minimum Energy Efficiency Standards was implemented, making it unlawful for landlords to continue domestic residential tenancies where the property has a rating of F or G on its Energy Performance Certificate – commonly known as an EPC. Two years ago, the first stage of implementation introduced the requirement for an E rating or above for all new tenancies granted. Now, that is extended…

Covid-19: Residential properties – Update

The current situation with the Coronavirus (Covid-19) pandemic has created a lot of unknowns and concerns throughout the property market. The Government has made several assurances in the recent news conferences in the past few weeks aimed at both Landlords and Tenants, outlining how both will be afforded assurance and protection in such turbulent times over the coming months. On the 26th of March the Coronavirus Act 2020 was passed, this gave royal assent to many of the measures which were promised. http://www.legislation.gov.uk/ukpga/2020/7/contents/enacted/data.htm Residential tenants now have protection from eviction…

Mum and Dad need to get with it

Parents who help their children get on the property ladder are being urged to adopt a more professional approach when it comes to handing over the cash.  Faced with high rental costs and soaring property prices, more parents are dipping into savings or releasing capital from their own property to support the next generation. Research by Legal & General estimates that a massive £6.3bn was provided last year by the Bank of Mum and Dad – or BoMaD - as it’s known.  The figure effectively makes BoMaD the 11th largest mortgage…

Indoor Radon levels dangerously increasing

Following the recent sequence of protests at Heathrow Airport and Central London, we have witnessed the rise of the Extinction Rebellion movement. Social media and news coverage has very much brought the debate on the unprecedented global climate emergency and the government’s inaction to implement changes to the forefront. However and ironically so, maybe we should be looking closer to home or should I say within our homes. Recent research into the amount of indoor radon concentrations in our homes suggests that the planet’s need to create more energy efficient…

Can’t afford to get on the property ladder? Shared ownership could be an option

The price of properties, even so-called ‘first-time homes’ are completely out of proportion to the average income. To save for a deposit on your first home is now taking house-hunters (especially first-timers) years longer than before. The ‘Bank of Mum and Dad’ is an option if you’re struggling to get the funds together on your own, but if you don’t have the ability to borrow from family members, or are unable to raise the money for that essential deposit on your own, there is another way to get your foot…

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