Property Phishing Scams and Identity Theft
Property phishing scams use fake or compromised emails, messages and document portals to steal identity…
Understand flats, houses, maisonettes, new builds, period homes, HMOs, conversions.
Learn freehold, leasehold, share of freehold and managed estate basics.
Check location, access, parking, boundaries and nearby concerns.
Understand council tax, service charges, insurance and ongoing costs.
Know the key checks, red flags and property risks to look for.
Understand important property laws, rights, duties and key documents.
Stay aware of fake listings, fraud, unsafe payments and identity risks.
Learn about repairs, renovations, permissions and practical home responsibilities.
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Do not rely on verbal promises alone. Ask for agreed repairs, parking rights and included fixtures to be recorded in writing and confirmed through the contract or fixtures and contents form.
Usually not. In England and Wales, most title plans show only general boundaries. Compare the plan with the property, register and available deeds, and raise any mismatch before exchange.
Lenders use different rules for lease length, cladding, construction type, condition, location and nearby commercial premises. A property being mortgageable with one lender does not mean every lender will accept it.
Yes. Some freehold homes have estate management charges for roads, landscaping, drainage or shared spaces. Ask for the transfer document, current charges, recent accounts and details of how charges can increase.
Your conveyancer checks the title, rights, restrictions, searches and contract. Your surveyor checks visible physical condition. Neither automatically performs electrical, gas, drainage or other specialist testing.
Sometimes. An estate agent or mortgage lender must tell you if they receive a referral payment. You are free to choose another solicitor, broker or surveyor. Ask how much is being paid and compare services independently.
The asking price is a marketing figure. A lender’s valuation assesses mortgage security, while a surveyor’s valuation considers market evidence and condition. Your agreed price can therefore be higher or lower than either valuation.
Keep the title information, lease, contract, completion statement, searches, survey, warranties, planning approvals, building regulations certificates, guarantees, service-charge records and fixtures list. They may be needed for repairs, insurance or a future sale.