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Over the last few years, the rise of Temu has seen it become a serious competitor in the low-budget marketplace, rivalling companies such as Shein and Amazon. However, its practises have also seen it come under legal pressure, particularly in the EU which recently launched an investigation against Temu.

 

Yitong namecard

 

Background on Temu and the European Union’s Digital Services Act

 

In May 2024, Temu was designated as a Very Large Online Platform (VLOP) under the European Union’s Digital Services Act (DSA), a classification that mandates stringent compliance measures due to its substantial user base of over 45 million monthly active users in the EU. As a VLOP, Temu is required to assess and mitigate systemic risks associated with its services, ensuring the safety and well-being of its users. By September 2024, Temu reported an impressive 92 million monthly users, further emphasising the platform’s significant impact on the digital marketplace.

 

Formal Proceedings Opened by the Commission

 

On 31 October 2024, the European Commission initiated formal proceedings to investigate potential breaches of the DSA by Temu. This decision follows a review of a risk assessment report submitted by Temu in late September 2024, along with responses to the Commission’s inquiries made on June 28 and October 11, 2024.

 

If the Commission’s suspicions are substantiated, Temu could face liability for infringing several articles of the DSA. The formal proceedings empower the Commission to gather further evidence, issue additional requests for information, and potentially adopt a non-compliance decision. However, it is important to note that the opening of these proceedings does not imply any predetermined outcome.

 

The investigation will delve into several critical areas, including:

 

1. Sale of Non-Compliant Products: The Commission will examine the effectiveness of Temu’s systems designed to prevent the sale of illegal products within the EU, particularly focusing on measures to curb the re-emergence of previously suspended rogue traders.

2. Addictive Design Risks: The inquiry will assess the platform’s design features, such as game-like reward programs, which may contribute to addictive behaviours and their potential negative impacts on users’ physical and mental health.

3. Content Recommendation Compliance: The investigation will scrutinise how Temu recommends products and content to users, ensuring transparency in the parameters used and providing non-profiling options.

4. Data Access for Researchers: The Commission will evaluate Temu’s adherence to DSA obligations regarding access to publicly available data for researchers.

 

As the investigation unfolds, the Commission will continue to collaborate with national authorities to ensure compliance with the DSA and consumer protection laws. This ongoing scrutiny highlights the importance of regulatory adherence in the rapidly evolving digital marketplace, underscoring the need for platforms like Temu to prioritise user safety and transparency.

 

Our thoughts

 

For legal guidance on navigating compliance with the relevant legislation and other regulatory frameworks, our law firm is here to assist you. Contact us today to learn more about how we can support your business in meeting its legal obligations.

 

Have questions? Get in touch today!

 

Call us on 020 7928 0276, phone calls are operating as usual and we will be taking calls from 9:30am to 6:00pm.

 

Email us on info@lisaslaw.co.uk.

 

Use the Ask Lisa function on our website. Simply enter your details and leave a message, we will get right back to you: https://lisaslaw.co.uk/ask-question/

 

For more updates, follow us on our social media platforms! You can find them all on our Linktree right here.

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Sumit Singh

Starting the journey of purchasing a property is an exhilarating experience, yet it comes with its own set of challenges. One of the most important documents you will encounter is the Report on Title, which serves as a vital source of clarity which helps you navigate the complex legal framework surrounding your potential property. Grasping the details of this document is crucial for making well-informed decisions and facilitating a seamless transaction.

 

As a Solicitor, I am often asked by clients what a Report on Title is and what information it includes about the property. Today, let’s delve into the essential elements of the Report on Title and understand its significance for property buyer.

 

Yitong namecard

What is a Report on Title?

 

A Report on Title is a detailed document created by the buyer’s solicitor following extensive searches and investigations of the property. It serves as a legal summary, highlighting any potential concerns, limitations, or rights that are related to the property. I frequently compare it to a handbook which provides comprehensive introduction to the valuable asset you are going to possess.

 

What information does the Report on Title include?

 

Different people may prepare the report on title in different ways and add different parts into it; however, most reports normally contain the following contents:

 

1. Property Identification: The report starts with essential information, including the property’s name and address, along with a detailed plan outlining the area designated for purchase. Confirming these details is crucial to prevent any confusion.

2. Land Registration Status: It clarifies whether the property is registered or unregistered. Although this distinction may not significantly affect the buyer, unregistered land usually involves more extensive documentation, potentially extending the report’s duration.

3. Highlights of the Land Registry register. It intends to draw your attention to the restrictive covenants, charges, rights and other entries which may affect or benefit the property.

4. Changes that the current and/or previous owners have made to the property. It will tell you whether such changes were made with approval, hence lawful and passed the relevant building control and if what will be your choices if not.

5. Local developments and planning which may affect the value of the property or its enjoyment by you.  They can include your neighbour’s extension plan, large residential or commercial development project, railway/highway, airport constructions.

6. Environmental issues affecting the property. They can include flooding, subsidence and contamination risks of the property and construction of local wind and solar farms.

7. In case of a leasehold property, ground rent, service charge and any potential major maintenance costs which provides you detailed information on the additional cost the property may have.

8. Other issues like parking arrangement, smoke control, and whether the property is listed or not, which can affect your use or development of it.

 

It is worth noting that the Report is specifically designed for the buyer (and their financier, if applicable) and is strictly confidential. It cannot be transferred to other interested parties, ensuring its integrity and exclusivity.

 

Is the Report on Title important?

 

The short answer is Yes. The Report is vital for buyers, providing a comprehensive overview of the property’s legal status and ensuring you are well-informed about your commitment. It contains important details like the registration status of the property, any legal encumbrances, and a comprehensive layout of the land being acquired.

How is the Report on Title Prepared?

 

The buyer’s solicitor carefully prepares this report after conducting all required legal searches and checks. These encompass inquiries with the local authority, drainage and water searches, and evaluations of the property’s registered and unregistered status. This thoroughness guarantees that you have a clear understanding of your investment or purchase.

 

What should a buyer do with the Report on Title?

 

After receiving the Report from the solicitor, the buyer should review it thoroughly and raise questions for reply from the seller, aiming to resolve any concerns or issues before proceeding to exchanging contract.

 

Summary

 

Grasping the Report on Title is an essential part of the property buying journey. It provides a comprehensive legal overview of buyer’s prospective new home or business premises, helping you make informed and secure decisions during the transaction.

 

Have questions? Get in touch today!

 

Call us on 020 7928 0276. Our phone lines are operating as usual and we will be taking calls from 9:30am to 6:00pm.

 

Email us on info@lisaslaw.co.uk.

 

Use the Ask Lisa function on our website. Simply enter your details and leave a message, we will get right back to you: https://lisaslaw.co.uk/ask-question/

 

For more updates, follow us on our social media platforms! You can find them all on our Linktree right here.

 

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Sumit Singh

In a hard-fought legal battle, we successfully secured leave to remain for our client, a long-term resident and NHS pharmacist, after her initial application was rejected by the Home Office. Despite the original decision being made against her, we didn’t give up and continued to pursue the case through multiple levels of appeal. This culminated in a favourable outcome and human rights appeal victory that recognised the strength of our client’s ties to the UK.

 

mahfuz namecard

 

Background

 

Our client had been living lawfully in the UK since the age of 9 and had built a life in the country, both professionally and personally. After being refused leave to remain in 2023, the Home Office argued that her absence from the UK exceeded the threshold of 540 days over the 10-year qualifying period, disqualifying her from the possibility of indefinite leave to remain. They claimed that her residence had not been continuous, largely due to absences, including an extended period during the COVID-19 pandemic.

 

However, this is where the case took a different direction. The Tribunal initially dismissed the appeal, but we didn’t accept the decision. Recognising the significant impact of our client’s contributions to UK society and her exceptional circumstances—particularly surrounding her extended absence during the pandemic—we appealed the decision to the Upper Tribunal. We argued that the judge had made an error in dismissing key aspects of the case, such as the reasons behind the absences and the overall depth of the appellant’s integration into life in the UK.

 

In the Upper Tribunal, we successfully argued that the appellant’s absence during the COVID-19 pandemic should be considered exceptional. Travel restrictions had kept her outside of the UK for months, and we presented compelling evidence that this period of absence should not be held against her, as it was entirely beyond her control. The Upper Tribunal agreed, and the case was sent back for a new hearing.

 

Appeal Hearing

 

At the rehearing, we focused on the fact that our client had spent the majority of her life in the UK and had established a deeply rooted private life. We also highlighted her work as a pharmacist in the NHS, emphasizing the important role she played in the UK’s healthcare system. The refusal to grant her leave, we argued, would not only harm her personal well-being but also deprive the NHS of a highly qualified professional. The Tribunal accepted this line of reasoning, noting that our client had been a valued employee and had a strong professional and personal life in the UK.

 

Despite the Home Office’s initial stance that the appellant’s immigration history was precarious, the Tribunal recognised that her long period of lawful residence and her contributions to the NHS were significant factors in her favour.

 

We also addressed the balance between immigration control and human rights, ultimately making the case that, in this instance, the public interest in maintaining strict immigration rules was outweighed by the negative impact the refusal would have on the appellant’s life. The Tribunal acknowledged that the appellant’s personal and professional ties to the UK were exceptional and that it would be a harsh and disproportionate outcome to remove her.

 

The decision ultimately allowed our client to remain in the UK, reinforcing the principle that individual circumstances such as long-term residence, professional contributions, and the impact of exceptional events like the pandemic, must be carefully weighed in human rights cases. While the Home Office’s refusal was initially based on a strict application of the Immigration Rules, the Tribunal’s final decision acknowledged that the appellant’s situation merited a more compassionate approach.

 

Conclusion

 

This case is a clear example of the importance of persistence in immigration appeals. While the initial decision was a setback, our determination to challenge the ruling and present a well-supported case ultimately led to a successful outcome. It serves as a reminder that legal pathways exist to contest decisions that may fail to fully consider the human aspects of an individual’s life in the UK, particularly when they have made significant contributions to the community and society.

 

Through this victory, our client has not only been granted the opportunity to continue her life in the UK but has also contributed to reinforcing the principle that immigration decisions should consider the whole picture—the individual’s rights, their contributions, and the exceptional circumstances that may be at play. It was a long road, but in the end, justice was done.

 

Have questions? Get in touch today!

 

Call us on 020 7928 0276, phone calls are operating as usual and we will be taking calls from 9:30am to 6:00pm.

 

Email us on info@lisaslaw.co.uk.

 

Use the Ask Lisa function on our website. Simply enter your details and leave a message, we will get right back to you: https://lisaslaw.co.uk/ask-question/

 

For more updates, follow us on our social media platforms! You can find them all on our Linktree right here.

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Sumit Singh

In the UK, Section 8 of the Housing Act 1988 allows landlords to evict tenants for specific breaches of the tenancy agreement, such as non-payment of rent, property damage, or anti-social behaviour. The Section 8 notice eviction process enables landlords to seek possession of their property through the courts, provided they can demonstrate valid grounds for eviction.

 

With Section 21 notices due to be abolished in the near future by the Renters’ Rights Bill, Section 8 notices will become the main way to evict tenants. It is therefore vital for landlords to be aware of these rules in order to stay informed about how they can evict a tenant if they need to.

 

To learn more about section 21 notices, click here.

 

 

Common Grounds for Section 8 Eviction

 

In total, there are 18 grounds for possession under Section 8. However, some of the most common grounds for Section 8 eviction include the following:

 

1. Non-payment of Rent (Ground 8): If the tenant has fallen behind on rent by more than two months (for monthly tenancies) or eight weeks (for weekly tenancies), landlords can apply for eviction.

2. Breach of Tenancy (Grounds 12 & 13): For violations like property damage or unauthorized subletting.

3. Anti-social Behaviour (Ground 14): If the tenant is causing a nuisance or engaging in criminal activity.

4. Deliberate Property Damage (Ground 15): For intentional damage to the property.

 

How can a tenant be evicted under Section 8?

 

1. Serve a Section 8 Notice: The landlord must first serve the tenant with a Section 8 Notice, which specifies the grounds for eviction and gives the tenant a notice period (usually 2 weeks to 2 months depending on the grounds).

2. Apply to the Court: If the tenant doesn’t leave after the notice period, the landlord can apply to the court for a possession order.

3. Court Hearing: The court will assess the evidence, and if it’s satisfied with the landlord’s case, it will grant a possession order.

4. Bailiffs: If the tenant still refuses to leave, the landlord can request a warrant of possession and bailiffs will be authorized to evict the tenant.

 

What else should landlords bear in mind?

 

Landlords should pay special attention to the following points when deciding to evict a tenant:

 

  • Legal Process: Landlords must follow the proper legal procedures to avoid unlawful eviction.
  • Tenant’s Rights: Tenants have the right to contest the eviction and must be given proper notice.

 

Our thoughts

 

Evicting a tenant using Section 8 requires careful adherence to the law, and landlords must ensure they follow the correct steps to avoid delays or legal challenges. Especially in complex cases, we recommend that landlords always consult a solicitor as early as possible to properly commence the eviction process. Contact Lisa’s Law Solicitors today.

 

Have questions? Get in touch today!

 

Call us on 020 7928 0276, phone calls are operating as usual and we will be taking calls from 9:30am to 6:00pm.

 

Email us on info@lisaslaw.co.uk.

 

Use the Ask Lisa function on our website. Simply enter your details and leave a message, we will get right back to you: https://lisaslaw.co.uk/ask-question/

 

For more updates, follow us on our social media platforms! You can find them all on our Linktree right here.

author avatar
Sumit Singh

The hospitality industry plays a key role in the UK’s diverse labour market, employing millions of people and contributing significantly to the economy. However, following Brexit and the end of freedom of movement, the UK hospitality sector is experiencing an acute skills shortage. Ongoing changes to immigration laws have also created uncertainty and made it difficult for employers to employ hospitality workers from overseas. We covered a report which highlighted some of the challenges facing employers here.

 

To recruit more diverse and outstanding talent from around the world, it is important for employers to understand and comply with current immigration law. In this article, we will explain how hospitality businesses can employ hospitality workers from overseas to fill their vacancies.

 

Skilled Worker Visa article

 

Applying for a Sponsor Licence

 

For UK hospitality businesses planning to recruit overseas workers, it is essential that the business first applies for and obtains a Sponsor Licence from the Home Office.

 

Many people have a misconception that only large, high-income companies can obtain a sponsor licence and employ overseas workers. In fact, there is no lower limit for business size when applying for sponsor licence in the UK. Therefore, if run properly, it is also possible for small businesses, such as small takeaway shops and nail salons to be granted a sponsor licence and hire skilled workers from overseas.

 

To apply for a sponsor licence as an employer in the UK, employers usually need to make sure that the business has the necessary HR system to manage the sponsorship process and meet the sponsor licence duties.  They need to prove that they have the genuine need to sponsor overseas workers for eligible roles and that they will pay a salary that meets the minimum requirements of the skilled worker visa.

 

Key personnel for sponsor licence

 

At the same time, the employers need to make sure they have key personnel who are “honest and dependable”. The key personnel would be the authorising officer, key contact, and level 1 & 2 users. An authorising officer is a senior person who’s got the ultimate responsibility for the licence as well as any immigration issues. The key contact is the primary person who communicates with the Home Office, and the Level 1 user should be a British or settled person who is responsible for the day-to-day management of the sponsorship licence and the application for the skilled worker visa (unless the authorising officer is on a Tier 1 visa).

 

It is up to them to ensure that all of the licence duties as a sponsorship holder are met. All three of these roles can be performed by the same person, in other words, a one-person small company can have the opportunity to apply for a sponsorship licence. However, it is important to note that the above key personnel must not have a criminal or penalty record, as this may affect the licence application.

 

Do I need a physical office when applying for a sponsor licence?

 

In light of the rise in remote work, many companies no longer maintain on-site offices, and the Home Office does not strictly require all sponsors to have a physical office. However, for most hospitality companies, a physical office or shop is still necessary. Therefore, the necessity of leasing an office when applying for a work visa qualification must be evaluated on a case-by-case basis, taking into account the specific operational requirements of the company in question.

 

The core of applying for a sponsorship licence is to prove that the business is genuine, operating, and trading lawfully in the UK. Once an employer submits the sponsorship licence application, the Home Office may also arrange a pre-compliance visit to check if the business really meets  the requirement.

 

Skilled worker visa for hospitality workers

 

With the sponsor licence, employers can apply for the skilled worker visa for their foreign candidates. The UK Skilled Worker Visa route enables hospitality businesses such as hotels and restaurants to bring highly skilled overseas workers to the UK on either a temporary or long-term basis. Read our guide to the skilled worker visa here.

 

Employers then need to apply for a certificate of sponsorship (CoS) and use the certificate to apply for the skilled worker visa for foreign worker to the UK. Employers must assign a CoS to each foreign candidate from the Home Office and each CoS can only be used once. Once the certificate is assigned, the worker must apply for a visa within 3 months.

 

What fees do I need to pay to employ hospitality workers from overseas?

 

Regarding the costs that employers are most concerned about, there are three important fees that need to be paid if you want to employ overseas staff.

 

The first is the application for a sponsor licence, which is £536 for small businesses.

 

The second is the Certificate of Sponsorship (CoS)  application fee, the key to the skilled worker visa application, with one proviso for each candidate and an application fee of £239.

 

The Immigration Skills Charge is a tax levy applied to businesses that employ foreign workers. For small businesses, the skills surcharge is £364 for the first year and £182 for every six months thereafter. Therefore, the cost of sponsoring an oversea employee for five years can be up to £1,820.

 

According to the immigration law, it is the responsibility of the employer to pay the three fees. Other fees, such as skilled worker visa application fees, immigration health surcharges, are not mandatory by law.  Companies will either require the employee to pay these themselves or offer to cover them.

 

The financial costs of employing overseas staff are sometimes forgotten about by the wider public, but are an important consideration for UK employers, particularly for smaller business.

 

Other responsibilities

 

While a sponsor licence has been granted, this does not automatically entitle the employer to issue a UK work visa to any foreign employee. When employing overseas staff, it is essential for UK employers to align the requirements for the candidate role with the standards of skilled worker visa requirements.

 

Minimum salary

 

Employers should also ensure that the salary offered to the candidate can meet the minimum standard of skilled worker visa. The Home Office has updated the Skilled Worker salary standard earlier this year, with the minimum salary for a skilled worker visa increasing from £26,200 to £38,700. It is worth noting that, however, the £38,700 figure does not apply to all applicants.

 

The Home Office has also set out a series of requirements based on different length of work experience and different industries. The rise to the minimum salary for skilled worker visas has had far-reaching effects on hospitality’s labour shortage, particularly in entry-level and junior positions, which are usually in lower salaries. Employers should analyse each candidate’s situation thoroughly and adjust their costs and staffing needs when hiring oversea workers.

 

Informing the Home Office and Updating Records

 

Hiring overseas employees is not just about obtaining work visas for them. The employers have the responsibility to inform the Home Office about any changes to the employee’s work and keep updated records. The Home Office has the right to visit and review the relevant documents at any time.

 

Failure to fulfil the employer’s responsibilities may result in the cancellation of the employee’s UK work visa, as well as potential fines and the suspension or revocation of the employer’s sponsor licence. The Home Office has been conducting increasingly strict compliance checks on sponsor companies, particularly when it comes to hospitality businesses. In the second quarter of 2024, 499 work permits were cancelled and 524 were suspended. This is almost double what it was in the first quarter of 2024, when 519 were either suspended or cancelled.

 

Medium and big companies usually have more comprehensive HR systems which allow them to operate their records better. Small companies may not have such a system to keep them informed about legal requirements and the consequences of non-compliance. It is therefore crucial for small business employers to maintain good record-keeping and update information in a timely manner.

 

Which hospitality jobs are classed as being high-skilled roles?

 

The Home Office uses the job’s Standard Occupational Code (SOC) to assess whether a job is eligible for the Skilled Worker Visa route. While some hospitality and blue-collar jobs may not traditionally be viewed as highly skilled, there are some certain hospitality worker jobs that are eligible under the route and appear in the SOC list. We have organised some common high-skilled roles in hospitality industry: We have listed some of the most common qualified high-skilled roles in the hospitality industry.

 

  • Production managers and directors in construction
  • Managers and proprietors in agriculture and horticulture
  • Hotel and accommodation managers and proprietors, including caravan park owners, hotel managers, and landladies (boarding, guest, lodging house)
  • Restaurant and catering establishment managers and proprietors, including café owners, fish & chip shopkeepers, operations managers (catering), restaurant managers, and shop managers (takeaway food shop)
  • Chef, Chef-manager, Food stylist, Head Chef, Pastry Chef
  • Cook, Cook-supervisor, Fish fryer, Head cook
  • Bar manager, Catering manager, Floor manager (restaurant), Kitchen manager, Steward(club)
  • Publicans and managers of licensed premises
  • Leisure and sports managers, including amusement arcade owners, leisure centre managers, social club managers, and theatre managers
  • Travel agency managers and proprietors
  • Hairdressing and beauty salon managers and proprietors
  • Conference and exhibition managers and organizers, including conference coordinators, event organizers, events managers, exhibition organizers, and hospitality managers
  • Dance choreographers
  • Garden designer

Conclusion

 

The changing immigration rules have made it challenging for UK employers to manage staffing and operating costs, especially hospitality businesses. It is especially important to ensure that employment processes are legally compliant. Lisa’s Law’s Immigration team is experienced in assisting in such matters. We will be able to advise you on the latest requirements and guide you throughout the process.

 

Should you wish to know more information about the UK sponsor licence or, indeed, skilled worker visa, please do not hesitate to contact Lisa’s Law and our experienced solicitors will be happy to assist you.

 

Have questions? Get in touch today!

 

Call us on 020 7928 0276, phone calls are operating as usual and we will be taking calls from 9:30am to 6:00pm.

 

Email us on info@lisaslaw.co.uk.

 

Use the Ask Lisa function on our website. Simply enter your details and leave a message, we will get right back to you: https://lisaslaw.co.uk/ask-question/

 

For more updates, follow us on our social media platforms! You can find them all on our Linktree right here.

author avatar
Sumit Singh

The conveyancing process, once characterized by mountains of paperwork, lengthy postal delays, and manual documentation, has seen significant evolution due to digital transformation. Today, technology is reshaping the way property transactions are handled, making them faster, more efficient, and more secure. Key technological advancements, such as e-signatures, online property portals, and digital mortgage approvals are driving this change. This article explores the role of these technologies in modern digital conveyancing and how they are transforming the property buying and selling process.

 

Keep reading to learn more.

 

Copy of Namecard for article - Sam in English (2)

 

The Role of E-Signatures

 

One of the most impactful innovations in conveyancing is the adoption of electronic signatures (e-signatures). Traditionally, contracts in property transactions required physical signatures, often causing delays due to the need for printing, posting, and returning documents. E-signatures have eliminated these steps, enabling documents to be signed instantly from anywhere in the world.

 

Benefits of E-Signatures in Conveyancing:

 

  1. Speed and Convenience:
    • E-signatures allow clients to sign documents electronically, reducing delays and expediting the transaction process. This is particularly beneficial for overseas buyers or those with busy schedules.
  2. Improved Security:
    • E-signature platforms often come with authentication and encryption features, ensuring the identity of the signer and protecting the document from tampering. We at Lisa’s Law continue to use the market leader “DocuSign” for e-signatures to ensure documents are signed with the highest security available, which is then accepted by the Land Registry.
  3. Cost Savings:
    • By reducing the need for printing, postage, and physical document storage, e-signatures contribute to lower overall costs in the conveyancing process.

 

Online Property Portals

 

Online property portals have become a cornerstone of the digital property landscape. These platforms allow buyers and sellers to manage their transactions from start to finish online, with access to important documents, updates, and communications in real-time. For us conveyancers, these portals streamline the exchange of information, making it easier to track progress and share documents.

 

Key Features of Online Property Portals:

 

  1. Real-Time Updates:
    • Clients can access the latest status of their property transaction, reducing the need for frequent phone calls or emails to their conveyancer for updates.
  2. Document Storage and Access:
    • Property portals provide secure, centralized storage for all transaction-related documents, making it easy for clients and conveyancers to access and review contracts, title deeds, and other important files at any time.
  3. Client Communication:
    • Communication between conveyancers, clients, and other parties (such as estate agents and mortgage brokers) is streamlined through messaging features within these portals, enhancing coordination and reducing the chances of miscommunication.

 

Digital Mortgage Approvals

 

Another significant aspect of the digital transformation in conveyancing is the advent of digital mortgage approvals. In the past, securing a mortgage was a time-consuming process involving face-to-face meetings, lengthy paper forms, and slow approval timelines. Now, many lenders offer fully digital mortgage applications, allowing buyers to apply for and receive mortgage approvals online in a fraction of the time.

 

Advantages of Digital Mortgage Approvals:

 

  1. Faster Application Process:
    • Digital platforms allow buyers to submit applications and supporting documents online, reducing the need for in-person appointments and speeding up the approval process.
  2. Automated Credit Checks:
    • Digital mortgage systems can instantly verify credit history, employment details, and financial information, leading to quicker decisions and more accurate risk assessments.
  3. Transparency:
    • With digital systems, clients can track the progress of their mortgage application, providing greater transparency and reducing uncertainty during the home-buying process.

 

The Future of Conveyancing

 

The continued adoption of digital tools and systems is likely to further streamline the conveyancing process, reducing timeframes and making transactions more accessible to a wider audience. However, the increased reliance on technology also brings with it new challenges, particularly around data security and the need for robust digital infrastructure. At Lisa’s Law we remain vigilant in ensuring that these technologies are implemented securely and efficiently, while also providing human oversight to navigate complex legal requirements.

 

Lisa’s Law continues to stay updated on the latest technological developments in the legal area and ensure our clients are getting the most practical options available on the market when it comes to conveyancing. If you are looking to purchase or sell a property, do not hesitate to get in touch for a quote.

 

Have questions? Get in touch today!

 

Call us on 020 7928 0276, phone calls are operating as usual and we will be taking calls from 9:30am to 6:00pm.

 

Email us on info@lisaslaw.co.uk.

 

Use the Ask Lisa function on our website. Simply enter your details and leave a message, we will get right back to you: https://lisaslaw.co.uk/ask-question/

 

For more updates, follow us on our social media platforms! You can find them all on our Linktree right here.

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Sumit Singh

Residential lease disputes can often become complex when misunderstandings occur. In a recent case, we at Lisa’s Law represented an expatriate tenant who was facing serious challenges in a landlord dispute stemming from unclear communication, early lease termination, and mishandling of her treasured fine china collection.

 

Our client, an international tenant who rented a beautiful residential flat in London, had entrusted her property agent to manage all the critical end-of-lease arrangements. This included supervising a professional cleaning of the flat and overseeing the safe packing and delivery of a stunning fine china collection, valued at approximately £100,000. The collection, an heirloom of delicate craftsmanship, required meticulous handling.

 

 

An Unwelcome Early Entry

 

However, things quickly unravelled due to a crucial breakdown in communication. The agent failed to execute the necessary tasks on time, leaving the flat uncleaned and the china unpacked. To make matters worse, the landlord entered the property two weeks earlier than the agreed-upon move-out date. The premature entry revealed an apartment that, to the landlord’s dismay, was in disarray, with the tenant’s prized china set still vulnerable and exposed.

 

Frustrated by the apparent mess and unfulfilled expectations, the landlord took drastic action. Not only did he terminate the lease early, but he also withheld a substantial portion of the deposit, citing the state of the flat. Even more concerning, he seized the fine china collection, refusing to release it until the dispute was resolved.

 

Unpacking the Legal Complexities: Deposit Protection and Property Rights

 

Adding to the confusion, the matter of deposit protection came under scrutiny. Our client, having believed her deposit was safeguarded, was understandably alarmed to learn otherwise. Typically, the Housing Act 2004 requires deposits to be placed in a protection scheme, and failure to do so could entitle the tenant to compensation of one to three times the deposit amount. Yet, in this case, we discovered that the tenancy did not fall under Assured Shorthold Tenancy (AST) protections. The annual rent exceeded the £100,000 AST threshold, meaning the statutory requirement for deposit protection did not apply.

 

Nonetheless, the more urgent issue was the landlord’s retention of the fine china. Under The Torts (Interference with Goods) Act 1977, landlords are prohibited from holding onto a tenant’s belongings as leverage. Such actions are not only unlawful but can also make the landlord liable for damages, legal costs, and even a court order to ensure the return of the goods.

 

Court Proceedings and a Favourable Resolution

 

We moved swiftly, filing an application in the county court to secure the return of the fine china collection and challenge the unfair deposit deductions. Our argument was built on several key points: the agent’s clear mismanagement, the landlord’s premature entry without proper grounds, and the absence of credible evidence showing that our client had caused any substantial damage to the property.

 

During the proceedings, we demonstrated that the claims of property damage were unsubstantiated and emphasised the landlord’s disproportionate response. The court agreed with our position, ruling that the landlord failed to provide sufficient proof of extensive damage. Consequently, the judge ordered the immediate return of the fine china collection and dismissed the excessive deductions from the deposit.

 

Protecting Your Rights

 

This case stands as a testament to the necessity of understanding and asserting one’s rights in residential disputes. Clear communication between parties is crucial, but even when that fails, tenants should be aware of the legal protections available to them. Landlords, too, must be cautious and act within the boundaries of the law when dealing with tenants’ personal property.

 

Our client’s experience underscores the importance of taking a proactive, well-structured legal approach. In the end, our client’s treasured heirlooms were returned, and her financial losses were minimised, proving that with the right representation, justice can be achieved.

 

(Note: The case details, names, and subject matter have been altered for confidentiality and illustrative purposes.)

 

Have questions? Get in touch today!

 

Call us on 020 7928 0276, phone calls are operating as usual and we will be taking calls from 9:30am to 6:00pm.

 

Email us on info@lisaslaw.co.uk.

 

Use the Ask Lisa function on our website. Simply enter your details and leave a message, we will get right back to you: https://lisaslaw.co.uk/ask-question/

 

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Sumit Singh

The Home Office has published the Global Universities List 2024 . The list covers qualifications awarded between 1 November 2024 and 31 October 2025. The importance of the Global Universities List lies in its ability to determine whether a person is eligible for a high potential individual visa. Let’s take a look at the what the High Potential Visa is, how to apply, and which universities are included on the list.

 

mahfuz namecard

 

What is the High Potential Individual Visa?

 

The UK’s High Potential Individual (HPI) visa is designed for graduates from leading global universities, offering them the opportunity to work in the UK without the need for sponsorship or a job offer. This visa route aims to attract top international talent, enabling graduates to pursue their career goals in the UK while also providing UK employers with access to a diverse pool of skilled professionals.

 

In this guide, we will outline the eligibility criteria and application process for the HPI visa. Additionally, we will explore the options available for visa holders to extend their stay in the UK by transitioning from the HPI visa to a longer-term visa category.

 

The High Potential Individual visa offers an unsponsored path for internationally-educated, highly skilled graduates who want to enhance their career prospects in the UK. Applicants must hold a degree-level qualification from an overseas university that is recognized as one of the top institutions globally.

 

To qualify for the HPI visa, applicants must have obtained a bachelor’s or postgraduate degree from a university featured on the Home Office’s Global Universities List within the last five years. The list includes universities ranked highly by global ranking organisations such as the Times Higher Education World University Rankings, Quacquarelli Symonds World University Rankings, and the Academic Ranking of World Universities.

 

Eligibility Criteria

 

  • To qualify for this route, you will need to have been awarded an overseas bachelor’s or postgraduate degree qualification in the last 5 years from a top global university from the list below.

 

  • You must have the ability to understand and communicate in English to the B1 level

 

  • You must show that you have at least £1,270 in your bank account for at least 28 days prior to your application

 

  • There must be no adverse criminal or immigration history.

 

Application process

 

To apply for the visa you will need to complete an application form and submit a number of documents. We at Lisa’s Law specialise in such application and will ensure that all the required documents are submitted so that the application proceeds smoothly.

 

Successful applications

 

If your applications are successful, you will be granted a 2 year visa. If you have a PhD or other doctoral qualification, it will last for 3 years. After the visa expires there are a number of visas you can switch to providing that you meet the requirements.

 

2024 Global University List for HPI route

 

This list of universities includes:

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Have questions? Get in touch today!

 

Call us on 020 7928 0276, phone calls are operating as usual and we will be taking calls from 9:30am to 6:00pm.

 

Email us on info@lisaslaw.co.uk.

 

Use the Ask Lisa function on our website. Simply enter your details and leave a message, we will get right back to you: https://lisaslaw.co.uk/ask-question/

 

For more updates, follow us on our social media platforms! You can find them all on our Linktree right here.

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Sumit Singh

The UK Autumn Budget 2024 introduces impactful measures across property and conveyancing sectors, focusing on affordability, sustainable development, and tax adjustments that aim to shape the housing market while addressing economic and environmental concerns. We aim to outlined the key changes outlined in the budget, the impact of the autumn budget on property and conveyancing, the direct effect on property buyers, sellers, and investors, as well as its implications for the wider housing market.

 

Copy of Namecard for article - Sam in English (2)

 

Stamp Duty Land Tax (SDLT) Adjustments

 

One significant change in the Autumn Budget 2024 is the adjustment to SDLT thresholds, especially affecting first-time buyers. Currently, first-time buyers are exempt from SDLT on properties valued under £425,000. However, beginning in March 2025, this threshold will reduce to £300,000. Additionally, properties valued above £500,000 will no longer benefit from first-time buyer relief, down from the previous threshold of £625,000. As a result, many new homebuyers purchasing in popular or high-cost areas like London and the South East could face higher SDLT costs. For instance, a first-time buyer purchasing a property valued at £350,000 might now expect to pay an SDLT of £2,500, where previously they would have owed nothing.

 

This change may influence the broader property market by adding to the upfront costs of home ownership, particularly in regions where property values are high. While SDLT reforms intend to make property ownership fairer and sustainable, they may initially curb demand in the housing market’s higher-value segments, as potential buyers account for increased SDLT liabilities.

 

Capital Gains Tax (CGT) on Second Homes and Rental Properties

 

The budget also hints at adjustments to capital gains tax (CGT) policies for landlords and property investors, particularly targeting second homes and buy-to-let properties. Current CGT rates are set at 18% for basic-rate taxpayers and 28% for higher-rate taxpayers. With the proposed budget adjustments, CGT rates may increase and align more closely with personal income tax rates. This could lead to a substantial rise in tax obligations for those in higher income brackets, possibly increasing the rate to as high as 40% or 45%.

This shift is likely intended to dissuade speculative property investment and enhance housing availability for owner-occupiers. Property investors and landlords, anticipating higher CGT rates, may accelerate the sale of rental or secondary properties before these changes take effect. While this could boost the immediate property supply, it might also strain rental markets if many smaller landlords exit, potentially reducing rental availability and driving up rents.

 

Council Tax Surcharges on Long-Vacant Properties

 

To encourage the productive use of housing stock, the Autumn Budget 2024 introduces new council tax surcharges on long-vacant or underutilized properties. This measure primarily targets second homes and vacant properties that have remained unoccupied for extended periods, particularly in high-demand regions. By increasing council tax obligations on these homes, the government aims to deter property owners from leaving homes empty and instead bring them to market, either through sale or rental.

 

This approach could have positive implications for local property markets, especially in areas with high levels of second-home ownership, such as coastal regions and popular tourist destinations. By incentivizing property use, the government seeks to address housing shortages in these areas, making more properties available to local residents or prospective buyers.

 

Incentives for Eco-Friendly Home Improvements

 

A strong emphasis on sustainability runs through the 2024 budget, with substantial incentives for homeowners and landlords to invest in eco-friendly property improvements. To meet the UK’s climate targets and reduce household energy consumption, the budget offers reliefs and grants aimed at supporting property upgrades like improved insulation, solar panel installations, and energy-efficient heating systems.

 

This green initiative not only aligns with the UK’s broader environmental commitments but also enhances the appeal of sustainable properties for buyers. As energy-efficient homes promise lower utility bills, their desirability could rise, especially among cost-conscious buyers. For sellers, investing in eco-upgrades may increase property value and market appeal, as energy-efficient homes become an increasingly attractive option in the housing market.

 

Implications for the Housing Market and Conveyancing

 

These changes in the Autumn Budget 2024 are set to affect conveyancing processes by potentially increasing transaction costs and encouraging a shift toward affordable and sustainable housing. Buyers and sellers alike may see a shift in demand patterns, as affordability and eco-conscious features gain prominence. The increased SDLT costs for non-first-time buyers on properties over £125,000, as well as changes in CGT rates, could influence the timing of property transactions, particularly among investors and landlords.

 

For potential buyers, acting before the SDLT threshold changes take effect in March 2025 may yield savings, while landlords may consider selling properties sooner rather than later to avoid increased CGT liabilities. Eco-friendly improvements may also become a focal point in the conveyancing process, as buyers increasingly prioritize homes that align with sustainability standards. Additionally, conveyancing practices may need to adapt to the council tax changes for long-vacant homes, as property usage will have direct tax implications moving forward.

 

Our thoughts

 

In conclusion, the UK Autumn Budget 2024 introduces substantial changes to property taxation, incentives, and regulation that will shape the housing market in the coming years. While some measures may raise the costs of buying or investing in property, especially in higher-value segments, other initiatives aim to make homeownership more equitable and environmentally sustainable. These adjustments encourage a long-term shift toward a more balanced, affordable, and green property market, benefiting buyers, sellers, and the environment alike.

 

Have questions? Get in touch today!

 

Call us on 020 7928 0276, phone calls are operating as usual and we will be taking calls from 9:30am to 6:00pm.

 

Email us on info@lisaslaw.co.uk.

 

Use the Ask Lisa function on our website. Simply enter your details and leave a message, we will get right back to you: https://lisaslaw.co.uk/ask-question/

 

For more updates, follow us on our social media platforms! You can find them all on our Linktree right here.

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Sumit Singh

After months of uncertainty following the 2024 election, the government finally delivered the first budget of the new Parliament. As well as being the first Labour budget in 14 years, it was also the first budget delivered by a female Chancellor. Since getting into government, the Chancellor has been keen to remind the public of the poor state of the public finances, with the oft-repeated message of the “22 billion pound black-hole” left by the Conservatives precipitating a budget which included 40 billion pounds in tax rises.

 

Nevertheless, the government also announced a range of public spending measures aimed at delivering growth for a stagnant UK economy and supporting struggling public services. This impact of the Autumn Budget 2024 could be seismic and will be of significant interest to employers and employees alike.

 

What taxes did the government raise?

 

The 2024 Autumn Budget represents a significant increase in taxes which raises the tax burden to the highest level since the late 1940s.

 

As a result, there were some very significant tax rises announced by the Chancellor. Let’s take a look at some of these announcements on tax and spend.

 

Business taxes

 

Business swallows the vast majority of the tax increases introduced by the Chancellor, with the rise in employers’ national insurance making up over half of the tax rises. Here are the business tax announcements in full:

 

  • 2% rise in employers’ national insurance contributions worth £25bn by the end of the Parliament.
  • Threshold employers pay on national insurance cut from £9100 pa to £5000.
  • However, doubling of employment allowance from £5000 to £10,500, doubling the amount businesses can reduce their national insurance liability by
  • Increased taxes on private equity bosses for successful deals from up to 28% to 32%
  • Energy profits levy due to rise to 38%
  • Raise in capital gains tax – both lower rate from 10% to 18% and higher rate from 20% to 24%
  • Capping of corporation tax at 25% for the remainder of the Parliament

 

Personal tax

 

The government’s promises “not to raise taxes on working people” left them with little wiggle room when it came to increasing taxes to fill the fiscal black hole in the public finances. As a result, personal taxes were largely untouched. The Chancellor had been expected to extend the freeze on personal tax thresholds beyond 2028 but has not done so. Some of the headline announcements include:

 

  • Personal tax thresholds to increase in line with inflation from 2028
  • Pensions and agricultural land to face inheritance tax
  • Freeze on inheritance tax thresholds to be extended after 2028 to 2030
  • Fuel duty frozen until 2028/2029
  • VAT (20%) to be levied on private school fees

 

Property announcements

 

  • Stamp duty surcharge on additional homes to increase from 3% to 5%. This also applies to those purchasing buy-to-let properties and purchases of residential property
  • First-time buyers continue to benefit from stamp duty threshold of £425,000 (until next year when it falls to £300,000)
  • Stamp duty threshold of £250,000 for home movers also remains in place
  • Stamp Duty thresholds to be lowered
  • Spending of £5bn on housing, including increasing the supply of affordable housing
  • Local councils to retain the earnings from council housing sales to allow them to reinvest

 

Public spending

 

  • £22.6bn increase in day to day NHS spending
  • £3.1 increase to budget for NHS investment
  • £6.7bn increase for education investment

 

Benefits, pensions and wages

 

  • Significant reform to National Living Wage (those over 21) with a rise from £11.44 to £12.21 from April 2025
  • Minimum wage will rise from £8.60 to £10 for 18-20 year olds
  • Minimum wage for apprentices will increase from £6.40 to £7.55 per hour
  • Increase of full-time earnings threshold for carers from £151 to £195 a week
  • Benefits to rise to 1.7% – in line with inflation
  • Increase in the state pension of 4.1% from April 2025

 

Justice spending

 

Finally, what may be of interest to many of our readers, the Chancellor also pledged spending on the justice system.

 

  • Increase of £1.9bn on justice spending over the next two years
  • Capital spending meanwhile will rise from £1.5bn in 2023-24 to £1.8bn this year and £2bn in 2025-26. This amounts to an average real-terms increase of 14.9% from 2023-24 to 2025-26
  • No mention of civil and criminal legal aid
  • £2.3bn of investment in prison expansion over 2024/2025 and 2025/2026, opening up thousands of prison places during this period

 

Our thoughts

 

These are just some of the announcements the Chancellor made in the 2024 Autumn Budget speech. While significant, it remains to be seen what the true impact will be on the UK economy. The Office for Budget Responsibility (OBR) has forecast that growth will be higher than expected in 2024 and 2025, before decreasing in 2026, 2027 and 2028.

 

Given the tax rises involved, businesses will be particularly concerned about what effect it will have on them. Nevertheless, the justification for this will be the need to primarily fund the NHS and the education system. As always, we will do our best to keep you updated on any further developments over the coming weeks and months.

 

Have questions? Get in touch today!

 

Call us on 020 7928 0276, phone calls are operating as usual and we will be taking calls from 9:30am to 6:00pm.

 

Email us on info@lisaslaw.co.uk.

 

Use the Ask Lisa function on our website. Simply enter your details and leave a message, we will get right back to you: https://lisaslaw.co.uk/ask-question/

 

For more updates, follow us on our social media platforms! You can find them all on our Linktree right here.

author avatar
Sumit Singh

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