Showing posts with label BILL. Show all posts
Showing posts with label BILL. Show all posts

Wednesday, 20 May 2026

OFF-PLAN HIGH-RISE PROPERTY (FLATS)

by: MisS VictoriA DaviD

Courtesy of pngtree.com

A month ago (April 2026), I attended a webinar about, amongst others, ongoing proposed amendments and changes in the conveyancing practice landscape as well as the day-to-day realities of conveyancing practice. 

I have two main reasons why I attended the webinar, as follows: 
  • Professional Development: 
This is because as a CILEx member with two practice units where one of which is in conveyancing, it is essential to keep myself up to date with relevant and ongoing information about conveyancing. 
  • CPD Compliance: 
This entry documents the activity as part of my CILEx portfolio obligations where I am required to maintain in order to continue using my Associate (ACILEx) designation and retain my status on the CILEx Professional Paralegal Register.
 
SEMINAR OVERVIEW 
The webinar explored established main topics throughout where it was chaired and panelled by leading legal professionals. They are actively engaged in residential and commercial conveyancing, apart from serving as co-chairs of the Law Society's Conveyancing and Land Law Committee in England and Wales. 

THREE SUB TOPICS 
One of the main topics discussed was recent developments in the reform landscape. It covered several subtopics, and here are my takeaways alongside my own research. I have included the first two topics regarding an ongoing Bill and the professional discomfort of Conveyancers/Conveyancing Solicitors, but my primary focus is directly on off-plan high-rise property: 

1. The Commonhold and Leasehold Reform Bill. 

This is a major property-law reform for England and Wales where in June 2026 it introduced proposals toward transforming how flats and multi-unit buildings are owned and managed. This means that the Bill aims, amongst others:
  • to make the commonhold the default tenure for new flats in new buildings; 
  • to cap ground rents;
  • to abolish forfeiture and replacement; and 
  • to strengthen consumer rights. 
If you would like to know more about the Bill's relevant contents, go on to https://www.gov.uk/government/publications/draft-commonhold-and-leasehold-reform-bill.

 2. The HMRC Tax Advisor Registration Regime

This is where any regulated Conveyancers/Conveyancing Solicitors who submit Stamp Duty Land Tax (SDLT) returns or interact with HMRC on tax matters will be legally required to register as a tax adviser.

The registration window opens from 18 May 2026 and remains available for 3 months. Many regulated Conveyancers/Conveyancing Solicitors have expressed concerns where they do not feel comfortable becoming a tax adviser; typically, they refer complex tax matters to a specialist.

If you would like more guidance, go on to the following:

3. High- Rise Residential Complications under the Building Safety Act 2022 (BSA 2022) and the Higher-Risk Buildings (Descriptions and Supplementary Provisions) Regulations 2023 (the Regulations).

This is where transactions involving high-rise residential buildings - specifically those of 10 storeys or more present (at least 18 metres in height) present severe legal and practical challenges where it includes, amongst others:

  • complex building and fire safety regulations;
  • potential remediation liabilities; and
  • future expenses that are not covered by the Act.

That is why many regulated Conveyancers/Conveyancing Solicitors are reluctant to act in these transactions due to increasing complexity and liabilities (e.g., cladding compliance, risk assessment requirements, etc.), as well as associated professional risks.

On the other hand, some big law firms with a dedicated building and safety team are often able to handle it as they are in a better position where they can provide the specialist advice required. However, their fee levels reflect the complexity and risk profile of the transactions.

If you would like to read more guidance, go on to https://www.gov.uk/government/collections/guidance-on-the-criteria-for-being-a-higher-risk-building 


OFF-PLAN PROPERTY (FLATS) IN HIGH RISE BUILDINGS 
There is a rising number of high-rise residential developments where mostly marketed and sold to the public off-plan. These transactions are typically handled through agents of property developers where buyers are typically shown floor plans, layouts and even computer-generated images of finished units.

However, purchasing an off-plan flat in a 10- storey or more building (at least 18 metres in height) involves several administrative complexities and significant legal risks. This is because even with the involvement of the Building Safety Regulator (BSR) from the outset, buyers should still expect:
  • significantly higher legal fees; 
  • a much slower progression toward completion; and 
  • greater uncertainty due to the mandatory BSR Gateway approval process. 

If you are planning to buy an off-plan flat through an agent or with your legal representative where the high-rise building has not secured the mandatory Gateway 3 sign-off from the BSR, you must ensure that the following supplementary terms are incorporated into the Purchase Agreement (the contract for sale) before the exchange of contracts (the legal act): 
  • BSR Gateway 3 Conditionality: The contract must explicitly state that completion is conditional upon the developer obtaining the BSR Gateway 3 (Completion) Certificate. The sale should not be forced until the building is legally certified as safe for occupation. 
  • Mandatory Long-Stop Date: The contract must include a clear "Long-Stop Date" where it ensures that if Gateway 3 sign-off is not secured by a specific final deadline, you as a buyer must have an absolute right to rescind (e.g., right to cancel) the contract and receive a full refund of all your deposits. 
  • Specific Compensation Clause: This is where you as a buyer should be entitled to recover actual financial losses caused by completion delays (rather than relying on a generic/standard term that offers no recourse). The clause should cover costs such as temporary accommodation, storage, and fees related to extending or reapplying for a mortgage offer. 
  • BSA 2022 Documentation: Ensure the developer is contractually obligated to provide the following at the point of completion: 
    • Landlord’s Certificate – i.e., a document where it has information on who is responsible financially and for fixing safety defects in a building; 
    • Leaseholder Deed of Certificate – i.e., a legal document to prove that the property (flats) qualifies for Financial protections under BSA 2022; and 
    • all necessary "Golden Thread" digital safety information (where it relates to the Grenfell Tower Inquiry from 2017 to 2025) to satisfy lender requirements and future resale needs. 

The "golden threads" should include the following: 
  • original plans where it refers to exactly how the building was designed to be fire-safe; 
  • material logs (e.g., proof of what is inside the walls where it refers to a specific type of insulation and fire-stopping materials used); 
  • maintenance and inspection records (e.g., ongoing logs of fire alarm tests, lift maintenance, and structural inspections); and 
  • BSR Gateway approvals where it refers to copies of the Gateway 2 (Construction Approval) and Gateway 3 (Completion) certificates issued by BSR. 

BSR GATEWAY 3 (COMPLETION) CERTIFICATE 
A critical milestone in this transaction is the BSR Gateway 3 (Completion) certificate. This certificate is the final mandatory safety check overseen by the BSR. It is a measurement where it confirms that the building has been constructed exactly as planned with no risk of hidden fire or structural defects. Hence, once this is issued by the BSR can the building be legally occupied by residents. 

However, the "other side" of this safety measure is the risk of an indefinite delay. This is because the BSR is the sole authority for this sign-off; any backlog or safety concerns they find can delay the mandatory approval. Hence, without this certificate a buyer's move-in date may be pushed back repeatedly, leaving them unable to occupy the flat or finalise their mortgage. 

If you would like to read more about BSR approval, go on to 

The above information reflects my understanding of the three subtopics. It is provided for general information only and should not be taken as legal advice. If you believe that any part requires clarification or correction, please feel free to contact me. Hence, it should not be taken as legal advice.

Saturday, 20 February 2016

QUEEN VICTORIA'S HOME-MADE GREETING CARDS

 by: MisS VictoriA DaviD


Sending greetings cards via the post is a traditional and very useful way of communicating with loved ones to convey our feelings. We love to celebrate birthdays and anniversaries etc. as these are such important events in our life’s journey. We used to buy cards in bookstores or in the school-supply section of the shopping mall for that special card.

Nowadays, with the invention of the computer and the ubiquitous availability of the internet we can make our own greeting cards with our own special touch. We are all artists now! Thanks to Bill Gates.

It is easy to personalise a greeting card at home using the internet, a printer and photo paper/special paper: (The following procedure below is mainly for OpenOffice.org Writer.Ink, however it can be applied using the same sequence for Microsoft Office 2007).
  1. Go to the web search engine of your Internet Explorer or Mozilla Firefox and type-in “occasion + picture”. Once you have chosen a picture, just press the right side of your mouse and click the “save image as” that will take you to a destination link i.e. desktop, document, picture etc. and if possible, rename the picture before saving it.
  2. Open the OpenOffice.org Writer on your desktop and search for “Format” and click “Page”. The page consists of three columns namely: Paper format, Margins and Layout setting. Go to “Margins”, change all the margin values to “1” (from top-bottom and from left-right) and choose either portrait or landscape orientation for your card(s). And then, go to “Paper format” to change the preferred paper size and don’t forget to write down the measurement of your paper’s width and height. Click “OK” button to save all of the changes.
  3. Look for the tab “Insert” located on the top-left portion of your OpenOffice.orgWriter and go to “Picture” and click “From File” to search for the saved picture (refer to step 1). Click “Open” to transfer the picture in your OpenOffice.
  4. Using your mouse, point the cursor at the picture and then, do a double press and click, “Wrap”. Go to "Settings" and select “Through” so that you can move the picture from left to right if you select landscape or from top to bottom if you set-up your paper as portrait. There is an instance that the size of the picture is larger than the size of the paper and in this case, adjusts the picture until it fits to the paper. Click “OK” button to save all of the changes.
  5. As we are making a folded card we need to find the center of the paper so you know where to place the fold and the picture as well.
  6. The “Page” from the Format is a great help in calculating the center of the paper as it contains the “Margins” and the “Paper’s width and height” measurements.
  7. If you have calculated the center of the paper, adjust the picture in your Word document until it gets to the boundary of the center. Once it is accurately moved, adjust again the top (crosswise folding) or the left-side (lengthwise folding) for an extra space.
  8. To add words and make it a much more personalised card, click "Show Draw Functions" located at the top-left and resembled like a pencil. Once clicked, a bar with choices will appear at the bottom-left of the OpenOffice and choose "Fontwork Gallery". If you have selected your own style just click “OK” button to see the options for "Fontwork".
  9. Point the cursor of your mouse to the personalised greetings, then press the right side of your mouse and click “Wrap” that will show 7 choices and just select “Wrap Through”.
  10. You can use your mouse or the cursors in your keyboard to move the personalised greetings from one side to another. If the greetings is long enough in your card, adjust it by simply moving the cursor of your mouse to the green-shaded squares. The yellow-shaded dot’s main function is to stretch the text.
  11. Turn-on your printer and place your photo paper. Just make sure that the glossy side of the photo paper is towards you.
  12. Go to “File” tab again, search and click for “Print”. Once you have the “Print” interface, click “Properties” and select “Photo” as your quality image (under Advanced) and change the paper’s “Type and Size” (under Main) according to your paper. Click “OK” button to save all of the changes.
  13. From your “Print” interface, go to “Pages” and type the page number of your greeting card. Click “OK” button to start the printing process of it.
  14. If the finish product is printed already don’t touch the image and text to avoid damages or let it dry for 2-3minutes in a safe place.
  15. Once it is totally dry, just use a scissors to cut and then, fold your paper into crosswise or like a greeting cards’ folding.
The combined power of computers and internet is not just for one good purpose- communication. It is also a tool to discover and hone the creative side of us.

Friday, 11 December 2015

KIKI WAS BILL

by:  MisS VictoriA DaviD


The story below was sent to me via e-mail and I was very impressed how amusing it was. Aside from adapting and publishing the story itself, I also made a few corrections with his kind permission. 

I am hoping that you will see the cleverness of the writer and the way I perceived the mirth in the story too?


My long blonde hair brushed my face as the welcome breeze cooled me. Sun oh sun, how I love your golden touch. I love my life being free and relaxed yet there are challenges. The chaps at the gym insisted that I get a manly haircut, but I liked that feeling of being different, even a bit of a hippie.



I'd been a beach bum for ages, doing the occasional massage with sweet aromatic oils making use of my 'magic hands', as my clienteles would say. Old Mrs. Onassis would walk into my room bent over in pain and could only greet me with an awkward grimace. She left smiling!



I helped out at Lady Kiki's bar sometimes too. I just loved the varied clienteles who were drawn to this colourful entertainment den by Lady K and all the shows she put on. It was ages before I found out that Kiki used to be Bill and was in the navy too. One evening, it was late and the crowd had left, she told me her tale!
 
Powered By Blogger