Lockdown divorce rates are sky high…and their affect on the property market is HUGE

Being in lockdown has been hard on all of us, but it has been even worse for couples who were already questioning the lifespan of their marriage. With the current rules keeping everyone cooped up at home, it can intensify an already volatile relationship.

Divorce rates since lockdown have seen a significant rise, and we can tell from our own enquiries that since people have been advised to stay home, more and more couples are throwing the towel in on their relationship.

Data on divorces in England and Wales shows there is an average of 91,299 divorces on an annual basis; should the expected COVID-19 induced increase in divorces of around 40% come true, the UK is looking at around 38,000 more splits than usual in 2020.

What does this mean for the property market?

Thought a divorce is nothing to be celebrated, the property market could be welcoming many more properties if these additional divorces lead to the inevitable sale of the family home.

It would be a massive boost after buying and selling of property slowed to a trickle amid the COVID-19 pandemic, which you can read about in our article here: Lowest rate of property transactions for over a decade! But how can you benefit?

Where people split up and try to start fresh, they clearly need to get a new place to live as a priority. More divorces will naturally lead to more people looking to buy a property.

Thinking about divorce yourself? We are here for you!

We will be writing a more in-depth article on divorce in the coming days, but if you have any questions relating to divorce or property please feel free to contact us.

If you are considering divorce, we are ready to help you every step of the way. We have highly experienced lawyers waiting to take on your case.

Before you end your marriage, you will need to decide:

how to divide any money you share
what happens to the home
where your children will live, if you have any

It is always possible for things to go smoothly in divorces, but often this is not the case. We will support you through thick and thin, making sure you get the best possible deal.

A few legal tips to remember

If you are considering a divorce, and are thinking about buying a new property to move into, it is advisable that you evidence the sources of funds. This is to show that the funds being used to purchase this new property are not part of the family estate. If it can be seen as part of the family estate, your ex-partner may claim ownership over it.

Likewise with purchasing, it is best to refrain from selling any major assets during your divorce. Such actions only complicate proceedings and make it more likely that your action will be seen per some ulterior motive.

Have questions? Contact us!

We are operating as usual, and you can reach us on 020 7928 0276 or email in to info@lisaslaw.co.uk.

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Lowest rate of property transactions for over a decade! But how can you benefit?

HM Revenue and Customs (HMRC) presents monthly estimates of residential and non -residential property transactions in the UK and its constituent countries.

With the world so affected by the COVID-19 outbreak at the moment, we can tell by the recent reports that purchases are on a massive downward trend.

The Figures presented in these reports are based upon records by HMRC, Revenue Scotland and the Welsh Revenue Authority (WRA) for Stamp Duty Land Tax (SDLT), Land and Buildings Transaction Tax (LBTT) and Land Transaction Tax (LTT) respectively.

The numbers are clear

As you can see from the above chart, the usual amount of transaction of residential properties in the UK fluctuates between 80,000 and 100,000 each month.

Since COVID-19 started making headlines late last year, and more so in the early months of 2020, these numbers have steadily dropped. For April they were right down to around 40,000 – less than half of the usual amount.

These drops are a result of people feeling uncertain about their futures in the current climate. They are finding themselves worrying about their job security, the health of their family and themselves. Understandably, this can make completing any house hunting goals quite difficult.

Also, the strict social distancing restrictions on estate agents and rules about viewings put in place by the government over the last couple of months have taken a toll on these numbers. Some of these restrictions have now been lifted, with viewings taking place with safety measurements in place, however we still expect numbers to do a lot lower than normal.

Find our article on the current situation with moving home here: Moving house is possible once again – but how will it work with social distancing rules?

Note: Residential property refers to buildings used or suitable for use as a dwelling, or in the process of being constructed for use as a dwelling. It also includes the gardens and grounds of dwellings.

As you can see here, the non-residential property market has been hit as well, much for the same reasons. Like the residential market, the losses amount to around half the usual amount of business, down from highs of 12,000 to around 6,000.

Note: Non-residential property includes commercial property; agricultural land; forests; any other land or property which is not residential; six or more residential properties bought in a single transaction, and mixed use transactions.

Looking back…

This drop in property transactions is comparable to levels not seen since the 2008 global financial crisis.

The table below shows the amount of transactions, year on year:

As you can see, levels have not reached the heights of 2006/07 for some time, and we currently find ourselves at one of the lowest points for transactions in decades.

The March 2016 peak you can see here was associated with the introduction of higher rates on additional properties from April 2016.

What do we think?

We have many lawyers in our firm specialising in property law, so we were expecting to see results such as these as soon as it became evident that the coronavirus outbreak was not going to pass quickly. The nature of the disease and the restrictions in place because of it all point to a halt in the market, and this is exactly what happened.

The market is still open and we can help!

Even though the numbers are down, the market is still open and you are still able to buy and sell property. We can guide you through every step of the way if you are looking to buy or sell property.

Even if it seems like nothing good can come of the situation with COVID-19, we are always looking for a silver lining. Especially with those looking to buy a property, the draught within the market may pave the way for some more affordable deals, and you could be surprised with some unexpectedly low asking prices.

We have the professionals to help you whenever needed in your property transactions!

Have questions? Contact us!

We are operating as usual, and you can reach us on 020 7928 0276 or email in to info@lisaslaw.co.uk.

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Welcoming Solicitor Evveline Loh into Our Ranks!

We are very happy to welcome Evveline Loh who started working at Lisa’s Law this week.

Evveline has over 5 year’s valuable experience to bring to the team, and she qualified as a solicitor in 2019.

Evveline studied law at the University of Sheffield and subsequently completed her Legal Practice Course at the BPP law school in London.

Evveline has extensive experience in conveyancing, commercial and civil litigation, corporate company law and wills and probate. She comes into her new role with a passion to provide excellent service to her clients in these legal areas and to develop her knowledge in other areas too.

Originally from Malaysia, Evveline has a real aptitude for languages and is fluent in English, Mandarin, Bahasa Malaysia, Hakka and Cantonese.

She has also been carrying out various public pro-bono work for the Chinese community and also private in-house corporate pro bono work.

In these uncertain times, it is fantastic that we are able to continue to grow and develop the team. Welcome Evveline, we are so pleased to have you!

We are open!

We are operating as usual, and you can reach us on 020 7928 0276 or email in to info@lisaslaw.co.uk.

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June 5, 2020
Conveyancing, Landlords, Property, Renters, Tenancy Act, Tenants

Renters Let off Unfeasible Fees!

A ban on letting agents and landlords charging their tenants extortionate fees was extended to all renters from 1^st June 2020.

On 1^st June 2019, many fees were banned for people taking on new tenancy agreements. This is known as the Tenant Fees Act 2019, and has now been extended to all renters in the UK, giving private renters more rights over agreements for their homes.

Importantly, it will help tenants who would normally face a fee – usually up to hundreds of pounds – to renew their tenancy agreement instead of looking to move home.

The following fees have been banned:

Fees to view a property,
For a reference or credit checks,
Insurance policies,
Guarantor requests,
For costs to cover “admin” including things like referencing, credit checks and guarantors,
Renewal fees for tenancies taken out after June 1 2019,
Charging for a professional clean, unless they have good reason – and evidence – to,
Gardening services.

The following fees have been capped:

Early termination of tenancy – capped at the amount of rent you would have paid until the end of your tenancy.

Holding fees are now capped at one week’s rent and then must be refunded once you have signed the agreement.

Contract changes are now capped at £50.

A deposit can be no more than 5 weeks’ worth of rent.

Late payments are now capped at 3 per cent more than the Bank of England base rate for every day the payment is late, as long as late payment charges are written into your contract.

Charges can still be incurred for the following:

Rent

A tenancy deposit

A holding deposit

Replacing lost keys

Any changes you request to your contract

Bills such as water, broadband, TV licence and council tax

Terminating your contract early

Late rent payments (after 14 days)

Cleaning fees in extreme circumstances

Feel you have been wrongly charged?

Feel free to call us or email us if you think you have been overcharged by your landlord, we will be happy to advise you.

Generally, tenants who think they have been wrongly charged, can complain to the relevant redress scheme as all letting agents must belong to a Government-approved redress scheme. Tenants should normally be able to find this information on the agent’s website.

If the landlord or agent refuses to give you the fee back, tenants can contact their local council which has the power to fine a landlord or agent.

The last, tenants could recover the payment directly via the First Tier Tribunal. The First Tier Tribunal can order a landlord or agent to repay a payment which has been charged unlawfully. Tenants will need to submit evidence to support any application they make.

What do we think of this?

It can be really difficult to get on the property ladder in this day and age. Not only in London, but up and down the country house prices are high, and more and more people are having to rent out property instead of buy it for themselves.

We feel that as long as the relationship between landlord and tenant is healthy, and everything is agreed to beforehand with no underhand tactics coming into play later, the situation can be beneficial for everyone.

Especially during the tough times we currently find ourselves in, more protection for renters is something that we can support as a firm.

Have questions? Contact us!

We are operating as usual, and you can reach us on 020 7928 0276 or email in to info@lisaslaw.co.uk.

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A New Route to British Citizenship, Boris Promises to Hong Kong residents

As many may have read in the news, China has announced it has intention to impose a national security law on the city. Many residents in the city territory worry the law could affect Hong Kong’s unique freedoms.

In response to this, Boris Johnson has said the UK will change its immigration rules to offer “a route to citizenship” to millions of people in Hong Kong if China move forward with these plans.

What is this new security law?

You must bear in mind that this has not been made official in China, and details are not 100% clear, but as far as we understand the new security laws would make the following illegal in Hong Kong:

secession – breaking away from the country
subversion – undermining the power or authority of the central government
terrorism – using violence or intimidation against people
activities by foreign forces that interfere in Hong Kong

One of the main concerns is that bringing these laws will affect free speech and their right to protest. In China, this would be seen as subversion and could be a punishable offence.

What has Boris said about this?

Johnson said that if China passes the law, Hong Kong residents who hold British National (Overseas) (BNO) passports will be allowed to come to the UK for 12 months without a visa. At the moment they are allowed to come for six months.

BNO passport holders would be given further immigration rights such as the right to work, and Johnson described it as a ‘route to citizenship’.

This would be a very welcome change to the immigration rules for Hong Kong residents, and would give them some much needed breathing space.

At present, around 350,000 people in Hong Kong have a BNO passport, but 2.6m others are also eligible.

What is a British National Overseas Passport and Who Is Eligible for It?

A huge number of Hong Kong residents hold British National (Overseas), or BNO, passports. These are issued by the United Kingdom Government to Hong Kong residents who had British nationality due to a connection with Hong Kong before it was reunited with China in 1997.

There was an agreement made between Britain and China that such people would be entitled to continue to use British travel documents for their lifetime.

Only people who registered before the reunification of Hong Kong with China (1997) are entitled to obtain BNO passports.

Under Hong Kong and Chinese law, these passports are considered simply as travel documents, and do not come with any rights of citizenship on their holders. However, under United Kingdom law, holders of these passports are considered to be British, and are entitled to consular protection if they get into difficulties in any place outside of China.

What’s more, holders of these passports are permitted to visit the United Kingdom without having to obtain a visa beforehand. Although, they are not entitled to right of abode.

When resident in the United Kingdom, a BNO passport holder is also entitled to the right to vote in that country. These passports are also recognised by many other countries for visa-free travel purposes.

What Rights Do You Have In the UK If You Hold A BNO Passport At The Moment?

Basically, there is not much more you can do in the UK as a BNO passport holder. You are not allowed to work, do business or settle freely. Although you can enter the UK freely, without need for a visa, you are only allowed to stay for no more than 180 days on any single occasion. Hong Kong passport holders are also able to do so. It appears that the only benefit coming with this type of passport is that you can seek protection from the local British embassy or consular if you are overseas and experience difficulties.

What Has Boris Promised So Far?

It should be noted that what Boris has promised is not an outright amnesty, that is to recognise all BNO passport holders as British citizens right away. He only promises that these persons will be allowed to stay longer on one occasion and allow to work once in the UK.

It is not quite clear how the Home Office will implement such promise, if Boris really wants to act on his words. One way could be to grant status to these people something similar to what Turkish nationals are enjoying. They will have initially twelve months visa. If within this first twelve months, they are able to find work, they will be allowed to apply for longer period of leave to stay in the UK.

After five years, these persons will be allowed to apply for permanent residence in the UK. After another 12 months, they will be allowed to register themselves as British citizens under Section 4 of the British Nationality Act 1981.

Of course, Boris can be more generous. He can ask the Home Office to grant these persons five years visa right away, so that they do not need to apply for extension any longer before they are eligible to apply for permanent residence and citizenship subsequently.

Have questions? Contact us!

We are operating as usual, and you can reach us on 020 7928 0276 or email in to info@lisaslaw.co.uk.

Or, why not download our free app today? You can launch a new enquiry, scan over documents and much more.

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Reasonable or Criminal? Failing to produce Immigration Documents is a serious issue

It goes without saying that the only way one should enter into any country, including the UK, is by legal and correctly organised means, which involves having all the necessary paperwork and documentation on your person at the time of your arrival.

However, we are aware that life is not always so simple, and there will be times where people arrive in the UK and are unable to produce the correct documentation right away. This can mean they get into serious trouble if they cannot give a valid excuse for why they are without such documentation.

Under section 24 of the Immigration Act 1971, Entering the UK without valid leave carries a maximum imprisonment of 6 months. A person can also be sentenced under the Identity Document Act 2010 if he/she possesses a false document without proper intention.

What do the Home Office see as a reasonable excuse?

If the applicant cannot provide a genuine document on arrival, there are certain reasons that they may be able to cite to avoid prosecution. Bear in mind that each case will be treated individually, and that these excuses will be investigated by immigration officials.

Some of these ‘reasonable excuses’ may be:

The political situation in their country has meant they are unable to get travel documents. This is usually more apparent in countries currently engaged in wars or under a political dictatorship.

Their genuine travel document was lost, destroyed or stolen whilst they were travelling to the UK, and it was not their fault. For example, they travelled as part of a group and somebody else was in charge of looking after their passport.

They did as they were told by someone else, for example, they destroyed their document, and the only reason they did this was because they were acting under duress (where unlawful pressure was put on them to make them do something they would not normally do).

They never had a genuine document and, can show they did not hold a document at any stage of their journey. For example they were hidden in the back of a lorry for the entire journey.

Where an applicant cannot produce a document within 3 days of an in country (after entering the UK) interview, the Home Office may grant them more time if there was a medical or family emergency that they can provide evidence of, or some kind of transport issue such as an accident, which can also be proven to be true.

Are the rules different for vulnerable people?

As you may expect, the rules are different for minors and people who have learning and mental disabilities.

Where minors are involved, the immigration officials are likely to be much more lenient when deciding what steps to take. The Home Office train their immigration staff to understand that:

Some countries do not issue immigration documents to minors.

Minors may be afraid to challenge an adult, and so do as they are told even where illegal activity is involved.

Minors may have different levels of understanding to adults and may not realise they need an immigration document to travel.

Where a person with mental disabilities is concerned, the immigration staff are trained to understand that:

The may rely on others to tell them what to do.

They may not understand what is required of them to legally travel.

What do we think of all this?

It is clear that people must be fully prepared to meet immigration officials when entering the UK, and the best way to enter is to have all documentation ready for inspection.

However, we live in the real world, and in this world there will always be people trying their best to either start a new life, escape from danger in their own country, or simply be unable to obtain proper documents through no fault of their own.

In particular, being foreigners just arriving at a new country, they have no or limited knowledge of the legal system in the UK. Such ignorance will make them more vulnerable. It is hard to say they arrive with a criminal mind. Therefore, it is important to have a flexible and fair system in place so that they can be dealt with in a more humane manner. Unless there is solid evidence, the decision should be made not to prosecute them.

Have questions? Contact us!

We are operating as usual, and you can reach us on 020 7928 0276 or email in to info@lisaslaw.co.uk.

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Immigration Detainees Have Dropped by More Than 75%

In a recent statistical report on Covid-19 and the immigration system, it was noted that between the start of the UK lockdown on 23 March and the end of April, 295 people entered immigration detention.

231 of these people were classed as “clandestine entrants”, which means they entered the UK via secretive means, or failed to make themselves known to Immigration Officers on arrival.

These 231 were held for no more than seven days at short-term holding facilities, but it must be remembered that this seven days does not include time spent being transferred from prisons to immigration centres.

Less people are currently being detained

The Home Office will not be emptying detention centres completely, which has been the source of some controversy given the current situation with coronavirus, but the number of people detained at any given time has fallen significantly.

According to the report, there were around 313 people left in immigration removal centres at the start of May, down from 368 in mid-April, 555 at the end of March and 1,278 at the start of the year. Most of these are foreign national offenders.

It is likely that the COVID-19 crisis has had a big impact on how many people the Home Office is detaining. We predict that once the lockdown rules are over, there will be a steady rise in these numbers once again.

What do we think of this?

It is clearly understandable that the Home Office must act where they find people are coming into the country illegally, or by questionable means. They must keep the public’s best interest at the forefront of everything they do, and making sure that no undesirable characters are coming into the country unchecked.

However, the safety of these detainees is equally as important, and they must be looked after in COVID-19 secure environments, and using methods which discourage the spread of coronavirus.

Provided reasonable requirements are met, such as residing at stable addresses and provision of sureties, or where the risk of absconding is low, the presumption should always be that the detainees should be released on bail.

Under the immigration laws, people can only be detained for removal purpose; however, where the detainees have valid applications or in-country appeals pending, or become irremovable, whether due to their non-co-operation or not, the Home Office is under duty to review their detention decision and consider whether continued detention can be justified; otherwise, the detention could well become unlawful and be subjected to legal challenges.

Have questions? We are here to help!

We are operating as usual, and you can reach us on 020 7928 0276 or email in to info@lisaslaw.co.uk.

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Furlough scheme set to wind down as national debt goes through the roof

At present, almost 8 and a half million people are on furlough, equating to a quarter of the total jobs in Britain.

A quarter of company directors surveyed by the Institute of Directors say they would not be able to afford to pay even 20 per cent of the furlough scheme if required – as well as having to pay national insurance contributions, an additional 5 per cent, on top.

The Coronavirus Job Retention Scheme has been vital in helping people stay afloat financially during the crisis, but it comes at a high price. The scheme is costing the Government billions every month. The scheme, which pays 80 per cent of people’s wages up to a total of £2,500, is assessed to have cost around £15billion so far.

Stopping the funds

Companies will likely be unable to furlough more staff as the Government looks to wind down the scheme.

Rishi Sunak is expected to announce the slow end of the emergency funds set aside to help struggling companies through the first phase of the coronavirus crisis.

However, part-time working from furloughed staff is expected to be allowed from August, following pressure from MPs and retail associations.

The Treasury is expected to make these announcements while locking in a cut-off date after which no employees will be able to join the furlough scheme.

So what can be expected?

As lockdown rules begin to ease slightly over the coming weeks and months, provided that the number of infections and deaths continue to decrease, more and more people will be encouraged to go back to work, even on a part-time basis.

It is thought that staff will be paid full wages by their firm for any hours worked and will continue to be covered by the furlough scheme for the hours they do not work.

Firms in all sectors will be required to contribute a quarter of the wages of any furloughed workers. Also, they will have to restart paying National Insurance, although the Government would cover pension contributions.

How about the self-employed workers?

The government is yet to decide whether to extend the self-employment income support scheme (SEISS) beyond the end of May. The Self-Employed Income Support Scheme (SEISS), which has cost £10.5bn so far, is due to expire in five days’ time.

What do we make of all this?

There is no denying that the furlough scheme has helped millions of people during this hard time. A good government is there to help and protect its public, especially through the hardest times, which is what this scheme has done.

As a company ourselves, we understand the stress the coronavirus crisis has brought onto firms up and down the country, and around the entire world. If no such scheme had been brought in by the government, people would be in uproar, businesses would be closing and people would be losing their homes.

So yes, the scheme has been positive.

However, we also understand that money does not simply grow on trees, and firms will have to pay their own way again, the sooner the better, if we want to save our economy from total annihilation.

As we have said all along though, the safety of staff must always come first.

Have questions? Contact us now!

We are operating as usual, and you can reach us on 020 7928 0276 or email in to info@lisaslaw.co.uk.

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Immigration News: All visas in the UK are automatically extended to July 31!

Although it was long overdue, the USCIS finally made the above announcement. This means that the identities of the following people have been automatically extended to July 31:

All those who hold a visitor visa in the UK expiring on or before July 31; and

All those who hold a student visa, spouse visa, work visa or other visas expiring on or before July 31

These people do not need to submit any application, they just need to report to the immigration office briefly.

The period of time the person stays in the UK due to this extension is legal and will not affect future applications for a visa to come to the UK.

This situation also includes those who hold a visitor visa, although the visa has not expired, but has been in the UK for more than 180 days.

However, it should be noted that:

If the parties are eligible for renewal and are willing to renew, the parties should continue to apply for renewal as usual. Although the visa centre is currently not open, the online application for immigration is working as normal.

If the parties meet the conditions for applying for other long-term visas, they usually need to go back to submit the application. According to the current Immigration Department’s policy, these people can apply for a transfer or new visas directly in the UK, and no longer need to leave the country.

Have questions? Contact us!

We are operating as usual, and you can reach us on 020 7928 0276 or email in to info@lisaslaw.co.uk.

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May 22, 2020
App, Competition, Lisa's Law, Website

Competition Time! Win £500 with Ease!

We at Lisa’s Law have a question for you… Do you want a chance to win a massive prize of £500?!

Then get involved in our ‘Find the Fault’ competition. It really could not be easier! Simply download our app and scroll through it, listing out even the smallest of faults, then do the same for our website, and send your findings to feedback@lisaslaw.co.uk.

The person who finds the most faults will win the prize!

Download our app for free through the below links:

iPhone: https://apps.apple.com/us/app/lisas-law/id1503174541?ls=1…

Android: https://play.google.com/store/apps/details?id=com.lisaslaw…

Website: https://lisaslaw.co.uk/

We are after faulty links, glitches, blurry pictures, spelling mistakes, format issues etc!

Anything that you can find, we want to know about!

Why are we doing this?

We are striving for perfection here at Lisa’s Law, and our main concern is that our clients are happy with the services we offer. This extends to the way our app and website looks, feels and works.

You could win £500 for simply scrolling on your lunch break – what a rare treat! Think of all the nice things you can buy with that money, all for looking through our app and website.

You will have until the 15th of June to submit your findings, so do not hesitate, get involved now!

Want more information?

Feel free to call us on 020 7928 0276 or email feedback@lisaslaw.co.uk if you want to ask any questions related to this competition!

Also, please follow this link for more information about our app and online services.

Good luck!

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