Buying your first home? A simple guide to Mortgage Finance

Mortgage finance is generally provided by banks, building societies and finance houses. The amount of the loan will depend on the personal financial circumstances of the applicant. Capital and Interest Capital is the actual amount of the loan, for example, if a mortgage (loan) is approved for £150,000 with an interest rate of 5%, then

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A simple guide to the offence of use and possession of Cannabis

Cannabis and amphetamine are controlled drugs and categorised as Class B drugs. Possession of cannabis is a criminal offence. It is also an offence to, cultivate or produce cannabis by any other means. Cannabis used to alleviate pain or for the medical purpose will not provide any defence for the charge of possession of cannabis

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Writing a Will? Formalities of a Valid Will you must know

Wills are regulated under Wills Act 1837. Every Will maker has to follow certain requirements to give effect to his/her Will. In this article, we will explore these requirements. This is a useful guide for somebody who is writing a Will by him or herself. Capacity The person making a Will must be of at

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A simple guide to Sub Tenancy

Sub-Tenancy Where an occupier is a tenant of someone who is tenant himself, such an occupier will be a classified as a sub-tenant. In this situation, the first tenant is known as the mesne tenant and the second the sub-tenant. This will be the case where the landlord is the ‘owner’ of property on a

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A simple guide to Joint Tenancy

Joint Tenancy. A joint tenancy arises whenever more than one person shares a tenancy and have not agreed to a tenancy in common. Joint tenants do not have exclusive possession of “separate parts” of residential property but each has an equal right to enjoyment of the whole property. Unless the agreement expressly states otherwise each

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Writing a Will? The legal information about property everyone must know

In English law, a person is entitled to leave his/her personal and real property to anyone he/she would like. Property includes agricultural and non-agricultural land, buildings, homes, cash, bank accounts, jewellery, car, investments, shares, stocks, paintings etc. General Rule As a general rule a person can leave his/her personal and real property under a Will

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Applying for British Citizenship? A Simple Guide to British Citizenship

British Citizenship can be acquired “automatically”, by registration or by naturalisation. “Automatic” Birth A person is automatically entitled to a British citizenship if he/she is born in the UK after 1983 and at the time of the birth, at least one parent (father/mother) held British citizenship or held a settled status such as indefinite leave

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