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What investors

Protect your finances – what investors, savers and homeowners should consider

Protect your finances and investments. This has been front of mind for so many people across the country, and the world over the past few months. At the beginning of the year, we could not fathom the impact the COVID-19 pandemic would have on the way we work and live - not to mention our savings, investments, and day-to-day finances. The UK is now in recession - the biggest on record. There have been monumental swings in the stock market and in the price of almost every other asset including…

How secure is your password

How secure is your password?

The need for cybersecurity is more crucial today than ever, with individuals and companies alike relying heavily on hardware and cloud-based servers to store and retrieve secured data, particularly when working remotely during COVID-19 lockdowns. We live in an evolving digital age with consistent advancements in technology, but as technology grows and develops, so do cyberattacks. A brute force attack method is simply trying every possible combination there could be. The colour-coded chart from Hive Systems provides an indication of just how long it would take a hacker to crack…

Retail tenants should

Retail tenants should check the small print

As a fresh wave of lockdown measures cut across the UK, retail tenants may be experiencing new concerns about how to pay the rent, but another ticking timebomb is the viability of their landlords. Even before the pandemic, the high street was undergoing radical change and the continuing restrictions have seen a dramatic shift in consumer habits towards online shopping. Faced with such a shift towards e-commerce, few were surprised to see the recent demise of Intu, a large retail landlord with shopping centres that include the Trafford Centre in…

Stamp duty holiday

Property boom as home and overseas buyers rush to beat the deadline 

Property buyers are fighting off the pandemic to catch a new home before stamp duty goes back to its normal rate.  For overseas buyers, the race is even more important, as the rate will carry an additional surcharge for them from April. As part of the range of measures to provide economic support through the Covid-19 pandemic, the Government introduced a temporary holiday for Stamp Duty Land Tax (SDLT) on the first £500,000 of purchases, but this will come to an end on 31 March 2021, when it will revert…

Applying for relief

Applying for relief from forfeiture? Act without delay

A recent high court case shows the importance of acting on time when applying for relief from forfeiture. The basics of the case were as follows: The tenants (being the Claimants in this matter) had the benefit of a 21-year lease for a property in Leicester (which was entered into in 2008). The Property, which was a ground floor shop with a residential flat above it, attracted a £2,000 quarterly rent instalment. In June 2018 the Claimants had, by way of a mistake, paid 1,500 of the rent thereby going…

Lockdown 2 and home improvements

Lockdown 2 and home improvements: When do you need planning permission?

With recent announcements from both the UK and Scottish government about further lockdown restrictions, you might be planning to fill your time with some home improvements. At the time of writing, tradespeople are exempt from lockdown restrictions and may enter your home to carry out necessary repairs. However, you should be aware that certain modifications to your home and garden may require specific permissions. In this article, we look at where you can find the information you need and provide a brief guide to when you may and may not…

Job Support Scheme

The new Job Support Scheme – Your questions answered

The Job Support Scheme (JSS) will replace the furlough scheme and will come into play on 1 November 2020. In this article, we look at FAQs covering how the scheme works, who is eligible and specific difficulties employers and employees might have concerns about. Which employees are eligible for JSS? Employees who have been on the PAYE payroll on or before 23 September 2020 are eligible for the JSS. They must also work at least 33% of their usual hours. Can only businesses who furloughed employees use the JSS? No,…

Non-UK domiciled

How will my loved ones access my estate in England when I live overseas and non-UK domiciled?

With the changes of Brexit and an increasing number of people choosing to retire and live abroad, it is becoming very common that they keep their assets in England for a “rainy day”!  But how would their loved ones access the English estate when they are domiciled abroad? Much will depend on where the deceased was permanently living at the date of their death.  In order to administer an estate of a person, the Executors or Administrators would need to extract a Grant of Probate or Letters of Administration from…

Commercial leases during a pandemic

Tenants’ guide to commercial leases during a pandemic

Whilst various lockdown restrictions have been eased, others have only recently been introduced. This has led to a plethora of concerns with some commercial tenants now seeking clarity in respect of their position. Accordingly, we have put together a guide below to clarify some points commonly raised. What to do once your lease term ends? If you have decided to move on upon the end of your contractual term, then all you would need to do is simply move out. However, if recent events have resulted in indecision with your…

When bullying goes on behind the screen

When bullying goes on behind the screen  

In the run-up to this year’s Anti-Bullying Week, which runs from 16th- 20th November 2020, employers are being encouraged to look at how new styles of working may be affecting employees Employers are being encouraged to focus on how they manage and respond to bullying and harassment issues, including cyberbullying, in the new virtual working landscape. Working away from the office, staff may be missing working alongside their colleagues and the chance to have face-to-face meetings, according to a YouGov poll, but few will miss the fear of dealing with…

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