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Properties

Land Registry fees: A guide for homeowners

Land registry fees are the statutory charges paid to HM Land Registry when property ownership changes hands, a mortgage is registered, or a lease is recorded. Set by government and free of VAT, they range from around £20 to £1,105 depending on price and how the application is submitted. Here is how they work.…

Flat above a corner newsagent and off-licence in a UK high-street building

Buying Tips

Buying a flat above a shop: The pros and cons

Thinking about buying a flat above a shop? These homes can offer a lower purchase price and a central location, but they come with trade-offs around noise, odours, fire safety and mortgages. Here is what to weigh up, how lending works, and the checks worth making before you commit.…

Homeowner and solicitor reviewing charging order paperwork ahead of applying to HM Land Registry to remove a property charge.

Properties

How to remove a charge on a property

Need to remove a charge or charging order from your property before selling or remortgaging? This guide explains what a charge is, how charging orders progress through the courts, the step-by-step removal process via HM Land Registry, and where to get free debt advice if you are struggling.…

Estate agent handing a memorandum of sale document to a couple whose offer has just been accepted

Conveyancing

What is a Memorandum of Sale?

A memorandum of sale is the written record an estate agent issues once an offer is accepted, confirming the price, parties, and key dates. It is not legally binding, but it marks the point where conveyancing begins. Here is what it includes, who issues it, and what happens next.…

HETAS-registered installer using a power drill during an appliance installation.

Selling Tips

Do I need a HETAS certificate to sell my house?

HETAS certificates trip up more sellers than almost any other bit of paperwork on a home with a log burner or wood-burning stove. The rules are not quite what most people assume, and there are more routes forward than you might expect. Here is what actually matters.…

Hands saving a pound coin, planning an offers over property offer.

Selling Tips

What does 'offers over' mean?

'Offers over' is a pricing strategy where the seller sets a minimum figure and expects bids above it, rather than a fixed asking price. Common across the UK and standard practice in Scotland, it works alongside the Home Report. Here is what buyers and sellers should weigh up before making a move.…

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