by Saqib Khan | May 8, 2025 | Conveyancing, General, Landlord and Tenant Law, People
Buying your first home is an exciting milestone! But navigating the legal process, known as conveyancing, can feel daunting. At KhanMather, we understand this, and we’re here to guide you through every step, ensuring a smooth and stress-free journey to your new home.
What is Conveyancing?
Conveyancing is the legal process of transferring ownership of a property from the seller to you, the buyer. It’s more than just signing paperwork; it involves thorough checks to ensure you’re buying a property free from legal issues.
Why Choose KhanMather for Your Conveyancing?
At KhanMather, we pride ourselves on providing a personalised and transparent conveyancing service. We understand that buying your first home is a significant investment, and we’re committed to:
• Clear Communication: We’ll explain complex legal jargon in plain English, keeping you informed at every stage.
• Proactive Approach: We’ll anticipate potential issues and work diligently to resolve them promptly.
• Dedicated Support: You’ll have a dedicated solicitor to answer your questions and provide expert advice.
• Competitive Fees: We offer transparent and competitive fixed fees, so you know exactly what to expect.
• Local Expertise: We have a deep understanding of the local property market and legal landscape.
The Conveyancing Process: A Step-by-Step Guide
1. Instructing Your Solicitor:
o Once your offer is accepted, contact KhanMather to instruct us as your conveyancing solicitors.
o We’ll gather your information and provide you with a detailed quote.
2. Initial Checks and Enquiries:
o We’ll review the draft contract and raise enquiries with the seller’s solicitor.
o We’ll conduct essential searches, including local authority, water, and environmental searches, to identify any potential issues.
3. Mortgage Offer Review:
o We’ll carefully review your mortgage offer to ensure it aligns with the property details and your requirements.
4. Survey Results:
o If you’ve commissioned a survey, we’ll review the findings and advise you on any necessary actions.
5. Contract Exchange:
o Once all enquiries are satisfied and your mortgage offer is confirmed, we’ll exchange contracts with the seller’s solicitor.
o This is a legally binding commitment to purchase the property.
6. Pre-Completion Checks:
o We’ll carry out final checks, including a land registry search and a bankruptcy search.
7. Completion:
o On the agreed completion date, we’ll transfer the purchase funds to the seller’s solicitor.
o You’ll receive the keys to your new home!
8. Post-Completion:
o We will Register the property in your name at the land registry.
o We will also ensure that stamp duty land tax has been paid.
Common Conveyancing Concerns for First-Time Buyers:
• Understanding legal jargon: We’ll break down complex terms and explain everything in a clear and concise manner.
• Dealing with delays: We’ll proactively manage the process to minimise delays and keep you informed of any potential issues.
• Budgeting for costs: We’ll provide a transparent breakdown of all costs involved, including stamp duty land tax, search fees, and legal fees.
Ready to Take the Next Step?
Don’t let the complexities of conveyancing overwhelm you. At KhanMather, we’re dedicated to providing a seamless and stress-free experience for first-time buyers.
Contact Hannah today on 0161 850 9911 for a free, no-obligation quote and let us help you turn your dream of homeownership into a reality.
by Saqib Khan | Apr 29, 2025 | General, People, Powers of Attorney, Wills
A will is a legal document that outlines how you want your assets to be distributed after you die. It is important to have a will because it allows you to control what happens to your property and who inherits it. Without a will, your assets will be distributed according to state law, which may not be in accordance with your wishes.
Here are some of the benefits of having a will:
• You can control who inherits your property. This is the most important benefit of having a will. You can choose who you want to inherit your property, rather than having it distributed according to state law.
• You can choose who you want to be your guardian. If you have minor children, you can choose who you want to be their guardian in your will. This will ensure that your children are taken care of by someone you trust.
• You can choose who you want to be your executor. Your executor is the person who is responsible for carrying out the terms of your will. You can choose someone you trust to be your executor.
• You can make charitable donations. If you want to make charitable donations in your will, you can do so. This is a great way to give back to your community.
• You can avoid probate. Probate is the legal process of distributing a deceased person’s estate. If you have a will, you can avoid probate, which can be a lengthy and expensive process.
Here are some of the things you should consider when making your will:
• Who are your beneficiaries? Your beneficiaries are the people who will inherit your property. You should make a list of your beneficiaries and the percentage of your estate you want to leave to each person.
• Who is your executor? Your executor is the person who will be responsible for carrying out the terms of your will. You should choose someone you trust to be your executor.
• What are your assets? You should make a list of all of your assets, including real estate, bank accounts, investments, and personal property.
• What are your debts? You should make a list of all of your debts, including mortgages, credit cards, and other loans.
• What are your funeral wishes? You should let your executor know your funeral wishes.
It is important to have your will reviewed by an attorney to ensure that it is legally valid. An attorney can also help you to make sure that your will reflects your wishes.
If you do not have a will, you should make one as soon as possible. Having a will is one of the most important things you can do to protect your loved ones.
KhanMather is a law firm that can help you with all of your estate planning needs. We can draft a will for you, and we can also help you with other estate planning matters, such as creating a trust or power of attorney.
In addition to the benefits listed above, having a will can also help to:
• Reduce family conflict. When someone dies without a will, their family may argue over who should inherit their property. A will can help to avoid these types of conflicts.
• Protect your minor children. If you have minor children, a will can help to ensure that they are taken care of by someone you trust.
• Provide for your pets. If you have pets, you can include provisions in your will for their care.
• Support your favourite charities. If you want to support your favourite charities, you can include provisions in your will for them.
Having a will is an important part of estate planning. It is a document that can help to ensure that your wishes are carried out after you die.
If you would like to know more, please telephone Hannah on 0161 850 9911 today.
by Saqib Khan | Apr 17, 2025 | Business, Conveyancing, General, Landlord and Tenant Law, People
The tariff’s that President Donald Trump has imposed on all countries is now having a dramatic effect on the world’s markets. we address this below in our article.
Economic Uncertainty
o Tariffs create uncertainty in global markets. This uncertainty can lead to reduced investor confidence, which can affect property market stability.
o Businesses may delay investment decisions, and consumers may become more cautious with significant purchases like property.
Impact on Interest Rates
o Tariffs can influence inflation. If tariffs lead to increased costs for goods, it could push inflation higher.
o Central banks, like the Bank of England, may respond by adjusting interest rates. Changes in interest rates directly affect mortgage affordability and, consequently, property demand.
o There is also the possibility, that due to the Tariffs, that the bank of England may lower interest rates to stimulate the economy. This would have the opposite effect, and make mortgages more affordable.
Effects on the UK Economy
o The UK’s economy is intertwined with global trade. Tariffs could disrupt supply chains and impact UK businesses, potentially leading to slower economic growth.
o A weaker economy can reduce consumer spending power and affect property demand.
Potential for Mortgage Rate Fluctuations
o As financial markets react to tariff-related uncertainty, there could be fluctuations in mortgage rates.
o Changes in swap rates, which influence mortgage pricing, could lead to variations in mortgage affordability.
Key Considerations for KhanMather Clients
Legal Implications
o Tariffs can affect international contracts and business transactions, potentially leading to legal disputes.
o KhanMather can advise clients on the legal implications of tariffs on their property investments and business dealings.
Property Investment Strategies
o Clients should be aware of the potential risks and opportunities that tariffs may create in the property market.
o KhanMather can provide guidance on navigating legal and contractual complexities related to property transactions during times of economic uncertainty.
Economic Monitoring
o It’s crucial to stay informed about economic developments and policy changes that could affect the property market.
o KhanMather can help clients stay updated on relevant legal and economic changes.
In Summary
While predicting the precise impact of tariffs is challenging, it’s clear they can introduce significant economic uncertainty. This uncertainty can ripple through the property market, affecting demand, affordability, and investment decisions. KhanMather can play a vital role in helping clients navigate these complexities and protect their interests.
If you have any questions regarding the above, please contact Hannah @ KhanMather on 0161 850 9911.
by Saqib Khan | Mar 18, 2025 | Business, General, People
The current UK law on bereavement leave offers no statutory right to paid time off following the death of a close family member. While many employers offer compassionate leave as part of their employment contracts, there’s no legal obligation to do so, and the specifics of such leave (duration, pay, etc.) vary significantly.
Now, a cross-party group of MPs is calling for a significant change: extending paid bereavement leave to include miscarriage.
This blog post explores the current legal landscape, the proposed changes, and what this could mean for UK employers.
The Current Legal Position on Bereavement Leave
As mentioned, there’s no statutory right to paid bereavement leave in the UK. Employees are entitled to time off for dependants in certain emergency situations, such as when a dependant falls ill or dies. However, this is unpaid leave and often limited in duration. Many employers offer compassionate leave, but this is a contractual right, not a statutory one, meaning the terms are determined by individual company policies.
The Campaign for Miscarriage Inclusion
A growing campaign, supported by MPs from various parties, is advocating for a legal entitlement to paid bereavement leave that specifically includes miscarriage. The argument is that the emotional and physical impact of miscarriage can be profound, and that women (and their partners) should be given adequate time to grieve and recover without the added pressure of returning to work prematurely.
This campaign highlights the often-overlooked emotional toll of miscarriage. Many women experience significant grief and trauma following a pregnancy loss, and the lack of formal recognition of this loss can exacerbate the emotional burden.
What This Could Mean for UK Employers
If the proposed changes are implemented, UK employers will need to adapt their policies and procedures. Here are some key implications:
• Statutory Right: Bereavement leave, including for miscarriage, would become a statutory right, meaning all employers would be legally obligated to provide it.
• Policy Review: Employers would need to review and update their existing bereavement leave policies to ensure compliance with the new legislation.
• Pay and Duration: The legislation would likely specify the duration of leave and the level of pay employees are entitled to. This could involve a set number of weeks of paid leave, potentially at statutory sick pay rates or a higher percentage of normal earnings.
• Training and Awareness: HR departments and line managers would need training to understand the new regulations and handle related situations sensitively.
• Potential Challenges: Defining the scope of “miscarriage” for legal purposes may present challenges, particularly in early pregnancy losses. Clear guidelines would be essential.
The Importance of Compassionate Policies
Regardless of whether the proposed legislation is passed, employers should strive to create compassionate and supportive workplaces.
This includes:
• Clear Bereavement Policies: Having clear and accessible bereavement policies that outline the support available to employees.
• Flexible Working: Offering flexible working arrangements to employees who are grieving.
• Employee Assistance Programs: Providing access to employee assistance programs (EAPs) that offer counselling and support services.
• Sensitivity and Understanding: Fostering a culture of sensitivity and understanding towards employees experiencing loss.
Conclusion
The push to include miscarriage in paid bereavement leave represents a significant step towards recognising the emotional impact of pregnancy loss. While the legal landscape is still evolving, employers should be prepared for potential changes and prioritise creating supportive and compassionate workplaces.
by Saqib Khan | Mar 13, 2025 | Conveyancing, General, Landlord and Tenant Law, Litigation, People
Purchasing a new-build home is often envisioned as a seamless transition into modern living. However, numerous homeowners across the UK have encountered significant challenges with unfinished estates, leading to frustration and legal concerns.
Common Issues Faced by Homeowners
Residents in various new-build developments have reported a range of issues, including:
• Unfinished Roads and Pavements: In Shrewsbury, homeowners on the Lilly Hay estate, developed by Taylor Wimpey, have been waiting up to five years for the completion of roads and pavements. The lack of proper infrastructure has resulted in uneven surfaces and potholes, posing safety risks and causing damage to vehicles.
• Non-functional Street lights: At Tadpole Garden Village in Swindon, residents have expressed frustration over non-functional street lights, contributing to safety concerns and an increase in local crime rates.
• Structural Defects: Some homeowners have discovered significant structural issues post-purchase, such as the absence of cavity-wall insulation, leading to increased energy costs and discomfort. Legal avenues, like the Defective Premises Act 1972, may offer recourse in such situations.
Legal Protections and Remedies
Homeowners facing these challenges have several legal protections and remedies available:
• Consumer Rights Act 2015: This act ensures that services provided, including construction work, must be performed with reasonable care and skill. If a developer fails to meet these standards, homeowners may be entitled to remedies such as repairs, replacements, or financial compensation.
• Defective Premises Act 1972: Under this act, homeowners can claim damages against developers for substandard work that results in defects, especially if building regulations have been breached. The Building Safety Act 2022 has extended the limitation period for such claims to 30 years, allowing homeowners more time to seek redress.
• New Homes Quality Code: This code mandates developers to provide clear and accurate information about the property. Failure to disclose significant details, such as the erection of large structures near homes, can lead to compensation claims, as seen in Newcastle where a couple was awarded £700 after a 40-foot fence was built outside their property without prior notice.
Steps for Homeowners
If you’re experiencing issues with your new-build property:
1. Document All Issues: Keep detailed records of defects, including photographs and correspondence with the developer.
2. Communicate with the Developer: Report problems promptly and allow the developer an opportunity to address them.
3. Seek Legal Advice: If issues remain unresolved, consult with one of our solicitors to understand your rights and potential legal actions.
4. Utilise Dispute Resolution Services: Engage with independent schemes or ombudsman services designed to handle disputes between homeowners and developers.
Conclusion
While new-build homes offer the promise of modern amenities and design, it’s crucial for homeowners to be vigilant and informed about their rights. Should issues arise, legal frameworks are in place to protect consumers and ensure that developers meet their obligations.
At Khan Mather Solicitors, we are committed to assisting homeowners in navigating these challenges and securing the homes they were promised.
by Saqib Khan | Sep 12, 2024 | General, Landlord and Tenant Law, People
Protecting Landlords and Tenants through Legal Expertise
In the ever-evolving landscape of property rental in the UK, understanding the intricacies of tenancy deposit claims is paramount for both landlords and tenants alike. With the rise in rental disputes and legal complexities surrounding deposits, having a comprehensive grasp of your rights and obligations is crucial. At Khan Mather, we specialise in providing clarity and guidance on these matters, ensuring fair resolution for all parties involved.
- The Importance of Tenancy Deposit Protection
Since the introduction of the Tenancy Deposit Protection (TDP) schemes in 2007, landlords in England and Wales are legally required to protect their tenants’ deposits in government-approved schemes. This legislation aims to safeguard tenants’ money and provide a fair mechanism for resolving disputes at the end of the tenancy.
- Understanding Deposit Deductions
Disputes often arise when landlords wish to make deductions from the deposit at the end of the tenancy. While deductions are permissible for damages beyond fair wear and tear or unpaid rent, they must be justified and reasonable. Our legal experts can assist landlords in navigating these complexities, ensuring compliance with legal requirements and minimizing the risk of disputes.
- Tenant Rights and Recourse
For tenants, understanding their rights regarding deposit protection is crucial. Tenants have the right to the return of their deposit at the end of the tenancy, provided they have met their obligations under the tenancy agreement. If disputes arise over deductions or the return of the deposit, tenants can seek recourse through the TDP schemes or, if necessary, legal channels. Our firm provides comprehensive support to tenants, advocating for their rights and interests throughout the process.
- Resolving Disputes Amicably
While disputes over tenancy deposits can be contentious, resolving them amicably is often in the best interests of both parties. Through negotiation and mediation, our experienced solicitors strive to reach fair and mutually acceptable outcomes, avoiding the time, cost, and stress associated with lengthy court proceedings.
- Legal Recourse and Litigation
In cases where disputes cannot be resolved through negotiation or mediation, litigation may be necessary. Our firm boasts a team of skilled litigators with extensive experience in tenancy deposit claims, equipped to represent clients effectively in court proceedings. Whether you are a landlord seeking to defend your deposit deductions or a tenant disputing unfair deductions, we are committed to achieving the best possible outcome on your behalf.
- Staying Compliant with Evolving Legislation
As legislation surrounding tenancy deposits continues to evolve, staying compliant is paramount for landlords and letting agents. Our firm remains abreast of any changes to relevant laws and regulations, providing proactive guidance to clients to ensure compliance and mitigate legal risks.
Conclusion: Expert Guidance for Tenancy Deposit Claims
At Khan Mather, we recognize the complexities and challenges inherent in tenancy deposit claims. Whether you are a landlord seeking to protect your interests or a tenant asserting your rights, our team of legal experts is here to provide the guidance and support you need. With our wealth of experience and commitment to excellence, we are dedicated to achieving fair and equitable outcomes for all parties involved. Contact us today to learn more about how we can assist you with your tenancy deposit claims.
