Brexit or no Brexit, the UK housing market continues to show resilience. In its forth edition, the authors, continue to share their extensive knowledge and experience of the UK housing market. First-time buyers, in particular, will find this book invaluable. Not only does it describe the complex process of house buying in a straight-forward manner, it also translates the jargon surrounding the process into simple English. Now, the 2017 edition, is updated with the latest government 'help to buy' schemes as well as how to take advantage of Brexit and what is has to offer.
Many young people aspire to own their own home but face a myriad of challenges such as high property prices, the need to raise a large deposit, and difficulties of getting a mortgage. The process of buying a property is also stressful, fraught with complexity and uncertainty, and a mistake can prove very costly. This book therefore provides a much-needed step-by-step guide to help those seeking to buy a property for the first time. Packed with helpful and practical tips, this book gives a complete overview of the house-buying process, including finance, legal and property aspects. The authors discuss a wide range of topics, including: creating the right mindset the pros and cons of home ownership how to choose a suitable property how to save for a deposit how to negotiate for a better price how to get a mortgage the steps in the house-buying process how to ensure that mortgage payments can always be met The book is written by experienced property buyers who have bought multiple properties, who have worked as a mortgage adviser and financial planner and who understand personal finance. It will be essential reading for undergraduate students in the field of accounting and finance and will also appeal to the general public, particularly those seeking to buy a property for the first time. After reading the book, readers will be able to map out a plan to buy their first property with greater confidence and make a better and more informed decision that will bring financial rewards.
From Britain’s ‘Generation Rent’ to Hong Kong’s notorious ‘cage homes’, societies around the world are facing a housing crisis of unprecedented proportions. The social consequences have been profound, with a lack of affordable housing resulting in overcrowding, homelessness, broken families and, in many countries, a sharp decline in fertility. In Broken Cities, Deborah Potts offers a provocative new perspective on the global housing crisis arguing that the problem lies mainly with demand rather than supply. Potts shows how market-set rates of pay and incomes for vast numbers of households in the world’s largest cities in the global South and North are simply too low to rent or buy any housing that is legal, planned and decent. As the influence of free market economics has increased, the situation has worsened. Potts argues that the crisis needs radical solutions. With the world becoming increasingly urbanized, this book provides a timely and urgent account of one of the most pressing social challenges of the 21st century. Exploring the effects of the housing crisis across the global North and South, Broken Cities is a warning of the greater crises to come if these issues are not addressed.
Young people face unprecedented financial challenges: rising student debt, stiff competition for jobs, barriers to home ownership, dwindling state benefits and prospects of a longer working life. Today, students need financial knowledge and skills more than ever before, not just to build their own financial security, but to create the new generation of advisers that can help all citizens navigate the complex world of personal finance. Essential Personal Finance is a guide to all the key areas of personal finance: budgeting, managing debt, savings and investments, insurance, securing a home and laying the foundations for retirement. It also provides an introduction to some of the essential foundations of a modern undergraduate finance qualification, including: The nature of financial institutions, markets and economic policy that shape the opportunities and decisions that individuals face. The range of financial assets available to households, the risk-return trade-off, basics of portfolio construction and impact of tax. The importance of the efficient market hypothesis and modern portfolio theory in shaping investment strategies and the limitations of these approaches. Behavioural finance as a key to understanding factors influencing individual and market perceptions and actions. Using financial data to inform investment selection and to create financial management tools that can aid decision-making. A comprehensive companion website accompanies the text to enhance students' learning and includes answers to the end-of-chapter questions. Written by authors who contribute experience as financial advisers, practitioners and academics, Essential Personal Finance examines the motivations, methods and theories that underpin financial decision-making, as well as offering useful tips and guidance on money management and financial planning. The result is a compelling combination of an undergraduate textbook aimed at students on personal finance and financial services courses, and a practical guide for young people in building their own financial strength and capability.
Property Law combines accessible overviews of the conveyancing procedure with a pragmatic approach. Enhanced by realistic case studies, examples, and professional conduct points throughout, this text equips the reader with the knowledge and skills required to conduct conveyancing transactions in practice.
Property Law is the perfect companion to guide the reader through the intricacies of the conveyancing process. Drawing on the author's considerable experience of legal practice, and suitable for use on courses with either a residential or a commercial conveyancing focus, this book offers lively and accessible explanations of often complex processes. With highly practical guidance on how to approach each stage of a conveyancing transaction in practice, this book is ideal for use as a core text on the Legal Practice Course or as a valuable source of reference where knowledge of the conveyancing process is essential. Digital formats and resources This edition is available for students and institutions to purchase in a variety of formats, and is supported by online resources. - Access to a digital version of this book comes with every purchase to enable a more flexible learning experience--12 months' access to this title on Law Trove will be available from 15 July 2021. Access must be redeemed by 30 June 2022. - The online resources include: multiple choice questions; case study documentation; guide to completing prescribed clauses in leases; problem questions and answer guidance; interactive timelines; additional chapter (Commonhold); lists of wider reading and websites for further information; and figures from the book.
Property Law combines accessible overviews of the conveyancing procedure with a pragmatic approach. Enhanced by realistic case studies, examples, and professional conduct points throughout, this text equips the reader with the knowledge and skills required to conduct conveyancing transactions in practice.
Property Law combines accessible overviews of the conveyancing procedure with a pragmatic approach. Enhanced by realistic case studies, examples, and professional conduct points throughout, this text equips the reader with the knowledge and skills required to conduct conveyancing transactions in practice.
Written by a leading authority in the area, A Practical Approach to Conveyancing offers a detailed and up-to-date account of the key principles and procedures underpinning the practice of conveyancing. It takes a pragmatic, rather than academic, approach to conveyancing, providing practical solutions to everyday problems encountered by conveyancing practitioners wishing to offer a cost-effective and efficient service. Combining coverage of residential and commercial conveyancing, this book provides highly practical guidance on each stage and is fully supported by sample documentation, enabling the reader to approach all aspects of the conveyancing process with ease and confidence. Now in its twenty-second edition, this book has firmly established itself as a core text supporting the study of the Legal Practice Course. Fully updated with the latest changes affecting the conveyancing process, this classic text is essential reading for all trainee or qualified solicitors, legal executives, or licensed conveyancers. Online Resources This book is accompanied by online resources, which include specimen forms, links to useful websites, additional online appendices, interactive conveyancing timelines, and multiple choice questions for students to test their knowledge.
