by Saqib Khan | Mar 27, 2025 | Conveyancing, General, Landlord and Tenant Law
The UK Government is making significant changes to property ownership, with the aim of abolishing the traditional leasehold system for flats in England and Wales. The goal is to make commonhold the standard tenure.
What’s Changing?
• Ban on new leasehold flats: The main proposal is to stop selling new flats under leasehold agreements.
• Commonhold as the new standard: Instead, commonhold ownership will become the norm. This means homeowners will own their flats outright, without a separate freeholder.
What Does Commonhold Mean for Flat Owners?
• Collective Ownership: Flat owners will collectively own and manage the entire building.
• Direct Control: You’ll have direct control over maintenance and related costs, eliminating ground rents.
• Part of an Association: When you buy a home, you’ll automatically become part of a commonhold association. This group will oversee the building’s management, either directly or by hiring a managing agent.
In Summary:
These changes aim to give flat owners more control and security over their properties by moving away from the leasehold system.
by Saqib Khan | Mar 21, 2025 | Landlord and Tenant Law
At KhanMather, we believe in the power of diversity. This Neurodiversity Week, we’re taking the opportunity to celebrate the unique strengths and perspectives of neurodivergent individuals, and to reaffirm our commitment to creating an inclusive and supportive workplace for all.
What is Neurodiversity?
Neurodiversity refers to the natural range of differences in human brain function. It includes conditions like:
• Autism Spectrum Disorder (ASD)
• Attention Deficit Hyperactivity Disorder (ADHD)
• Dyslexia
• Dyspraxia
• Tourette Syndrome
It’s important to recognise that neurodiversity is not a deficit model. Neurodivergent individuals possess unique strengths and talents that can be a tremendous asset to any organisation.
Why Neurodiversity Matters in the Legal Profession?
The legal profession thrives on diverse perspectives, problem-solving skills, and attention to detail. Neurodivergent individuals often excel in these areas, bringing valuable assets to the table:
• Unique problem-solving skills: Neurodivergent individuals may approach challenges from different angles, leading to innovative solutions.
• Strong attention to detail: Many neurodivergent individuals have a remarkable ability to focus and identify patterns or inconsistencies that others might miss.
• Creative thinking: Neurodiversity can foster creativity and out-of-the-box thinking, which is invaluable in the ever-evolving legal landscape.
• Resilience and Determination: Neurodivergent individuals often develop resilience and determination in navigating a world that isn’t always designed for them.
KhanMather’s Commitment to Inclusion
At KhanMather, we are committed to fostering an inclusive environment where everyone feels valued, respected, and empowered to reach their full potential. We recognise that creating a truly neurodiverse workplace requires ongoing effort and commitment. Here are some of the steps we’re taking:
• Awareness and Education: We provide training and resources to our employees to raise awareness about neurodiversity and promote understanding.
• Inclusive Recruitment: We are reviewing our recruitment processes to ensure they are accessible and inclusive to neurodivergent candidates.
• Reasonable Adjustments: We work with our employees to provide reasonable adjustments and support to help them thrive in their roles.
• Supportive Culture: We are committed to creating a culture of open communication, where employees feel comfortable discussing their needs and challenges.
This Neurodiversity Week, we encourage everyone to learn more about neurodiversity, challenge their assumptions, and celebrate the unique contributions of neurodivergent individuals. Together, we can build a more inclusive and equitable legal profession.
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 | Mar 6, 2025 | Conveyancing, General, Landlord and Tenant Law
Buying a new home is one of the biggest decisions you’ll ever make. Amidst the excitement of finding the perfect place, it’s easy to overlook crucial checks that could save you from future heartache.
One such check, particularly relevant in the UK, is assessing the flood risk of your potential property. At KhanMather Solicitors, we understand the importance of thorough due diligence, and we’re here to guide you through this essential process.
Why is Flood Risk a Concern?
The UK is increasingly experiencing extreme weather events, making flooding a significant risk for many homeowners. Flooding can cause devastating damage to property, leading to costly repairs, insurance disputes, and emotional distress. Therefore, understanding the potential flood risk before you buy is paramount.
How to Check for Flood Risk:
1. Environment Agency Website: The Environment Agency provides flood maps online, allowing you to check the flood risk for specific areas using postcodes. These maps indicate areas at risk of flooding from rivers, the sea, and surface water.
2. Property Information Form (TA6): Sellers are legally obliged to disclose any known flood history of the property through the TA6 form. Carefully review this document and ask your solicitor to raise any necessary enquiries.
3. Local Authority Searches: Your solicitor will conduct local authority searches, which may reveal information about flood risk and drainage in the area.
4. Flood Risk Assessments: For a more detailed assessment, consider commissioning a professional flood risk assessment. This will provide a comprehensive report on the property’s vulnerability to flooding.
5. Check Insurance Availability: Contact insurance providers to get an idea of the cost and availability of flood insurance for the property. This will give you a realistic picture of the potential financial implications.
What Can KhanMather Solicitors Do to Help?
Our experienced conveyancing team at KhanMather Solicitors can assist you in the following ways:
• Reviewing the TA6 form and raising enquiries with the seller’s solicitor.
• Conducting thorough local authority searches.
• Advising on the need for a flood risk assessment.
• Explaining the implications of any flood risk identified.
• Ensuring your interests are protected throughout the conveyancing process.
Don’t Let Flooding Wash Away Your Dreams
By taking proactive steps to assess flood risk, you can make an informed decision about your property purchase and avoid potential future problems. Contact KhanMather Solicitors today for expert legal advice and a smooth conveyancing experience.
Remember: Prevention is always better than cure. Don’t let the excitement of buying a new home overshadow the importance of essential checks like flood risk assessment.
If you have any questions regarding any future property purchase, please contact Hannah on 0161 850 9911.
by Saqib Khan | Feb 27, 2025 | Business, Conveyancing, General, Landlord and Tenant Law
The recent unexpected interest rate cut by the Bank of England has sent ripples through the financial world, and the UK property market is no exception. Here at KhanMather, we understand that these changes can be confusing, so we’re here to break down what this cut means for homeowners, buyers, and investors.
What Happened?
The Bank of England’s Monetary Policy Committee (MPC) has lowered the base interest rate. This decision is primarily aimed at stimulating economic growth but how does this seemingly macro-economic move affect the bricks and mortar of our homes and investments?
Impact on Mortgages:
• Existing Mortgages: For those on variable rate mortgages, this cut is likely good news. You should see a reduction in your monthly payments, although the exact amount will depend on the terms of your individual mortgage agreement. Contact your lender to understand how the rate cut will affect your specific payments. Fixed-rate mortgage holders won’t see an immediate change, as their rates are locked in for the fixed term. However, when it comes time to remortgage, they may find more competitive rates available.
• New Mortgages: Lower base rates typically translate to lower interest rates offered on new mortgages. This could make borrowing more affordable, potentially increasing demand in the property market. For first-time buyers, this could be a welcome opportunity to get onto the property ladder. However, it’s crucial to remember that affordability assessments still apply, and lenders will carefully scrutinise applications.
Impact on the Housing Market:
• Increased Demand: Lower borrowing costs could stimulate demand for property, potentially leading to increased competition and upward pressure on house prices. This could be particularly noticeable in certain areas where demand already outstrips supply.
• Market Confidence: A rate cut can sometimes signal a lack of confidence in the economy, which could have a dampening effect on market sentiment. However, the primary motivation for this cut suggests that the Bank is acting proactively to support growth, which could ultimately bolster confidence.
• Investment Properties: Lower interest rates can make buy-to-let investments more attractive, as the cost of borrowing is reduced. This could lead to increased activity in the rental market.
What Should You Do?
• Review Your Mortgage: If you’re on a variable rate mortgage, contact your lender to understand how the rate cut will affect your monthly payments. If you’re nearing the end of a fixed-rate term, start researching the best remortgage deals available.
• Consider Your Options: If you’re thinking of buying a property, now might be a good time to explore your mortgage options and get pre-approved. However, don’t rush into any decisions. Carefully assess your financial situation and ensure you can comfortably afford the repayments.
• Seek Professional Advice: Navigating the property market can be complex, especially with changing interest rates. At KhanMather, our team of experienced property law specialists can provide you with expert guidance and support throughout the process. Contact us today for a consultation.
If you wish to discuss the above or require additional information, please contact Hannah on 0161 850 9911.
by Saqib Khan | Feb 13, 2025 | Conveyancing, Landlord and Tenant Law
The rental market has seen a significant shift since the pandemic, with a sharp increase in rental costs. However, recent data suggests that this trend is beginning to slow.
The Pandemic’s Impact on the Rental Market
The COVID-19 pandemic dramatically altered the UK’s housing market. As lockdowns eased and people returned to work and social activities, demand for rental properties surged. This increased demand, coupled with a limited supply of available properties, led to a sharp rise in rental costs.
A Slowdown in Rent Increases
While rental prices have continued to climb, the rate of increase has started to slow. This is positive news for tenants who have been facing significant financial pressure due to rising living costs.
Several factors are contributing to this slowdown:
- Increased Supply: A gradual increase in the number of rental properties available is easing the demand-supply imbalance.
- Economic Uncertainty: Economic uncertainty and rising interest rates may be deterring some landlords from increasing rents.
- Tenant Affordability: As tenants face increasing financial strain, landlords may be more cautious about raising rents too aggressively.
What Does This Mean for Tenants?
While the slowdown in rent increases is welcome news, it’s important to remember that rental costs remain high. Tenants should still budget carefully and consider factors such as location, property type, and amenities when searching for a rental property.
If you’re facing legal issues related to renting, such as disputes with landlords or issues with tenancy agreements, it’s crucial to seek legal advice. KhanMather Solicitors can provide expert legal guidance to help you navigate the complexities of the rental market.
Contact our Property Team on 0161 850 9911 to discuss your specific needs.
