“An Englishman’s home is his castle” is a common statement, but what it actually means in practice is less simple.
We call our home many things: our nest; “pied-à-terre”; sanctuary; abode; dwelling quarters or habitat. All of these terms reflect an attachment to the place where we rest our head.
As there are many different terms for “home”, similarly, legal home ownership takes many forms depending upon your personal wishes and circumstances. Outright ownership with or without a mortgage, shared ownership, rented accommodation, leasehold ownership and park homes are all examples.
Let’s take a quick look at three types of home ownership:
This describes buying a house, often with the aid of a mortgage.
However, for many young people and those who are on a lower income, property ownership may be a distant aspiration.
For those who wish to have their own space, but either don’t want to own their home or don’t have the funds to do so, the rental route is becoming an increasingly popular option.
Older couples may wish to downsize and free up their cash equity by buying a “park home” – a semi-permanent mobile home based upon a site that is owned by another person.
Whatever your choice of home, you will undoubtedly want to make sure that it is physically safe and secure; alarm systems, good maintenance, quality locks and good insurance are essential in this regard. However, so often your security issues are not physical or known.
There are invisible threats to your home security which represent an equally unwelcome and upsetting broadside to your financial, physical and emotional security.
Boundary disputes, claims over your property, rent increases, leasehold disputes, disputes about park home residential status, disputes about licences for houses in multiple occupation, improvement notices and prohibition orders… all have the potential to threaten your home security.
With a leaky tap, the solution is obvious: you call a professional plumber to protect your house from damage. However, when a legal challenge comes to threaten your home security, the situation can appear daunting.’
At A M Davies, we recognise the psychological and emotional issues that arise when an individual’s “nest” is threatened. We are here to help.
As a judge on the First-tier Tribunal (Property Chamber), Angela Davies has a special interest in and knowledge of residential matters. She can safely guide you through the complexities of residential law and title issues.
Angela can help with:
At A M Davies, we promise that we will sensitively represent your wishes. We will guide you through the “bear traps” and pitfalls that exist when maintaining the security of your home.