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Now that the sale and rent back sector has been regulated, each company has prescriptive guidelines, which they must adhere to. This ensures that the consumer is dealt within a consistent manner. However, whilst it is important to remember that the guidelines set out by the FSA ensure that the consumer is dealt with in accordance with the 6 consumer outcomes, it does not prescribe to the provider the purchase price of the agreement or the period the homeowner can remain within the property.

To ensure consistency, there are a number of documents you can expect to receive from the provider of your sale and rent back agreement:

The Initial Disclosure Document (IDD) or the Terms of Business – this sets out the terms of the agreement that the provider is willing to enter into. Initially, it will set out the fact that the provider is regulated by the FSA. It will also include indicative terms of the sale and rent back agreement, including; the purchase price, the percentage of the purchase price against the value of the property, any charges payable, the rent payable and the minimum length of time the seller may remain in the property.

The Initial Offer Letter – this is received after the IDD, and sets out the terms of the agreement, usually following an assessment of the property from the company or individual wishing to buy your property and rent it back to you.

The Final Offer Letter – this is received once your property has been inspected by a RICS (Royal Institute of Chartered Surveyors) surveyor. It will confirm the final details of the agreement.

It is important to remember that not all firms are able to proceed with the sale and rent back of your property in a timescale to suit your needs. They should be willing to complete the purchase as quickly or slowly as you require.

In addition to the above, make sure you are dealing with a company that has gained interim authorisation, will allow you to remain in your property for at least 3 years, charge either none or very low fees, and will allow you to cancel the proposed agreement at any time prior to the completion of the transaction with little or no outlay on your part.

Why has financial services authority (FSA) regulated the sale and rent back sector?

Sell and rent back has been in existence for many years. In the past, there have been a number of cases where companies or individuals have entered into a sale and rent back agreements, promising the owner the opportunity to remain in their property for as long as they wish.

However, the reality in a number of cases is that after a period of six months, the owners have been served notice, evicted from the property, and left homeless by unscrupulous landlords and the property sold at a large profit. In addition to this, there have also been cases where mortgage companies have repossessed the homes of these individuals as the landlords have been unable or unwilling to make mortgage payments on the homes in question.

In response to this, the FSA has taken the step to provide security to those wishing to sell their home whilst remaining in the property for the long term. The FSA have asked all companies and individuals that operate in the sector to apply for ‘interim authorisation.’ From the 1st of July 2009, all companies wishing to continue working in the sale and rent back sector had to apply for this authorisation by the 31st July 2009. Any company not submitting an application by this date is NOT permitted to conduct business in this sector from 1st August 2009.

Steven Martin is a FSA interim authorised provider of Sell and rent back and works at http://www.quickpurchase.co.uk

The first step therefore is to ring them. Communicate. They have many options in place for people struggling to repay their mortgages, they can extend the length of your mortgage so that your monthly repayments are lower, they can give you a payment holiday (a few months without paying your monthly mortgage to help you get back on your feet,) or switch you to an interest only payment for a while. All of these options end up slightly more expensive in the long run but lower your current monthly outgoings, perfect for getting your cash flow back on track.

If you have a loan secured on your home with another company, have a chat with them and see if you can lower your monthly repayments to a rate that is more manageable. Your next option, if this was not enough, is to contact your mortgage company and see if you can get a second mortgage (this will only be possible is you have equity remaining in the property.) Here, again dialogue is the key, explain your circumstances and let them know what the maximum amount you could pay a month would be as you don’t want to replace one unmanageable loan with another.

If you have tried all of these options and you still don’t have a solution, it may be worth looking into the possibility of selling your home. There are home buying companies who specialise in buying quickly with cash. Typically they will pay 65-70% of the market value for your home and can complete the sale as quickly as one week. Your certificate of purchase is enough to stop repossession and that you should have within 48hrs of giving them a call if you decided to go ahead.

This is a newly regulated industry so look for a company who have an FSA interim regulation – this is very important as it ensures that they are a legitimate, established company. Most of these companies have a website you can apply on but I would recommend giving them a call, you can tell a lot from the way the specialist speaks to you on the phone and it is important to find someone who has plenty of experience and puts you at ease by listening to your concerns as well as your situation.

If you don’t want to move out of your home, some of these companies also provide a sell and rent back service which means you can stay in your house as long as you like paying a monthly rent decided by you and the company in advance. There may also be an option to buy the house back once your finances have turned around. Make sure you are clear what a company is offering you before you sign anything as these companies move fast, great as this is what you need, but don’t be afraid to ask for clarification on any points you don’t understand.

Steven Martin is a FSA interim authorised provider of Sell and rent back at http://www.quickpurchase.co.uk and also specialises in Stop repossession within the U.K.

There are many reasons you may need to sell your home quickly; divorce, job transfer, inheritance etc but there seems to be lack of viable options available. You need an abundance of patience to sell through an estate agent, a fearless disposition to put your property to auction or lots of time, advice and leg work to sell independently. If none of these appeal there is another option.

There are professional property buyers who specialise in purchasing with cash, quickly. There is an option for them to buy the house outright or to rent the property back to you.

But what about all the bad press surrounding this type of organisation?

Well, as in every industry there are companies who are legitimately providing a helpful, sometimes life-changing service and there are those who decided to take advantage of vulnerable people during the recession to get rich quick. And if you don’t know what to look for it can be difficult to know where to start.

The OFT…

According to Which? Online ‘The OFT [Office of Fair Trading] cited cases where, despite telling people that they could stay in their home for years, in reality the tenancy was only guaranteed for as little as six months. The OFT also found firms were hiking rents or even evicting people after a short time. Due to this some people found themselves in terrible situations. The OFT there recommended this industry should be regulated by the FSA [Financial Services Authority.]…

and the FSA

On July 1st 2009 this regulation came into practice on an interim basis, this means that all the companies had to apply to the FSA proving the legitimacy of their company and to comply with their Principles for Business rulings.

Ed Harley, FSA head of mortgage policy, said: “Firms entering our regime will need to run their business in a way that means customers are treated fairly. This includes making clear to customers important details, such as the length of time they can stay in the property, before they enter into the arrangement.

To trade as part of the FSA companies also need to prove that they have ‘adequate resources and to be run by fit and proper people.

What does this mean in reality?

If a company has FSA regulation this means that they are deemed to be working for the good of their customers (you,) that they must set out their terms in a clear and standardised way and that they must stick to them. If they do not, they will be prosecuted and you will be protected.

Therefore if this is an option you would like to take, look for an FSA regulated company with lots of experience, testimonials and friendly manner, make sure you are absolutely clear what you want from the arrangement (eg length of tenancy, option to buy back at a later date) and ask your specialist to point out this details within your contract (before you sign it) so that you are sure you understand everything and are 100% happy with it all. This way you can get back on your feet with confidence in not only your present circumstances but also your future.

Steven Martin is a FSA interim authorised provider of Sell and rent back and also provides Quick property sale. He works at http://www.quickpurchase.co.uk

Everyone seems to think that the sale and rent back industry is a new industry that has only just emerged due to the financial crisis, this is true for some companies, but there are a variety of companies that have been around for years. The Financial Services Authority (FSA) has just recently undertaken the job to regulate the industry due to research carried out during the first half of 2009, they are set to complete the regulation in June this year. This is great news for the professional companies operating within the sale and rent back industry, simply because those companies who have been operating unfairly will no longer be able to operate within the industry. Great news for the consumers also!

The consumer still needs to ensure that they select the right company to use, and unfortunately this is where you are on your own, to an extent.

If you are looking to sell and rent back your property most companies generally offer between 30% – 35% below market value, there are a few vital things that you should look for when choosing a sell and rent back company. When you make contact with the company you should look for:

1. No call centres 2. Professional and knowledgeable people answering the phone 3. The individual should explain that they are part of the FSA 4. That they are the buyer and not just arranging the process and you end up selling to someone you have never spoken to before

And once you are taken through their process you should be looking for:

1. Security of a sale (i.e. how quick do they exchange contacts) 2. Detailed explanation on the term/length of the sale and rent back agreement 3. You should never pay more than local market rent 4. Is there a buy back option for you to purchase the property back 5. If there is a buy back option, does the company provide you any financial incentive

The most important thing is that you feel comfortable with the company and also feel that you can trust them. This is a big decision and your property is probably the biggest asset you own, you need to feel safe knowing that the company you are about to embark on this lengthy journey with, is someone that trust!

Another important fact to remember, make sure if you have any further debts that you try to clear them, especially if you have equity left over from the sale of your home.

Get debt free and rebuild your financial position!

Steven Martin is a FSA interim authorised provider of Sell and rent back and also provides a Quick Property Sale. He works at http://www.quickpurchase.co.uk

Indeed, selling land these days demands real diligence and carefulness. Ever since the ages began, man has been in constant pursuance of land. In various villages especially in the traditional African setting, lands belong to head of families who do divide them according to the number of the males in their families. In some parts of the world, major lands belong to the government of the federation while minor lands belong to individuals especially in remote villages.

However selling land has not always been a fun fare. It is one vital decision you must have to really think about before you dabble into it. Oftentimes, people sell their landed properties because of one challenge or the other. Most times, people do so to raise funds for other pressing needs. In any case, there’s nothing wrong in selling land but there’s everything necessary for you to think twice before you sell. Land is a real income multiplier. It can double your income overtime as the future comes.

In selling land, there are some pitfalls to guard against. You need to be aware of certain factors in order to make the most out of the land you want to sell.

The first pitfall to avoid in selling land is rash decision. You don’t need to rush into the selling of the land because of the pressures around. You need think over it and then take the right decision. This is because, once you sell the land, it ceases to be yours forever.

Another pitfall you also need to avoid in selling land is that of doing everything between you and the buyer. You need to follow due process in order to avoid legal proceedings that might occur in the future. Hence, you need to engage the services of a lawyer or land sales agent.

In most states, of America and elsewhere in the world, there are people known as estate surveyors or estate agents, they are also known as land sales agents. These individuals are known for their dexterity in helping you to sell your lands. Such agents usually have the duty of getting a good buyer for you. Many times, agents usually get the highest bidder for the land in question. Most agents are doing the work as a real business. Hence, you need to pay them for it. Usually agents will do the bargaining for you. Many times, they can add more cash on top of the particular price you want to sell the land. From such increases they make their own gain.

Finally, you need to be very careful when it comes to selling land. Lands are immovable; hence, they are wonderful properties to keep. But if for any reason you have to sell, make sure you do so in the right manner. If you’re the head of the household, it is very vital to let every other members of your family to be aware that such step is in the offing. Thus, always be very diligent, careful and determined when taking such a decision to sell a land.

Since the beginning of the current recession, selling even the most beautiful, unique property has become anything from difficult to impossible. There are many reasons for this; it became harder for people to secure a mortgage, more misty to predict the market and more risky to seize the day. Sales ground to a standstill and people grew more cautious. Most people decided that they can wait until the market gets back to normal. So, where does that leave you if you can’t?

Whether it’s to immigrate to warmer climates (lucky you) or to finalise a divorce; if you are reading this then I guess you need to sell your property more quickly than the rest. So, what are your options?

Auction

Not for the faint-hearted! People and developers who buy at auction are there for a bottom of the barrel bargain. You may not get anywhere near the amount you expected and be stuck with lots of legal fees. Get some great advice if you’re venturing down this route.

Estate Agent

The traditional route, that has currently got a little stuck. Estate Agents will fall over themselves to manage your property and can sometimes over value your property to win your business so do your research and talk to 3 or 4 to get an accurate idea of the situation. There are no guarantees of speed or even a sale.

Established Property Buyers

This could be a good solution; however look out for a few things. You want to find a company who give you a respectable offer (average offers range between 60-80% of the Market Value) treat you well and work with a strong degree of transparency. Ask friends for recommendations. Search for Testimonials and feedback on a company. Make sure they are regulated by the FSA.

The initial conversation with a property buyer:

Give them a ring, apply online or pop into their office for a chat. Feel free to ask any questions you may have. You should be personally assigned a representative to work with you from start to finish. They should first get an understanding of your property and situation. Ask to ensure that all your information that you provide is held in the strictest of confidence. Companies will generally then make you a provisional offer at this point. This should be 60-80% of the current Market Value. Then together if you are happy you can arrange a meeting/viewing.

The meeting and viewing of the property:

Normally you will find companies that will visit you within 48 hours of the initial conversation. If you are happy with all the details, the contracts can be exchanged and signed on the spot. There are national cash property buyers that do have this ability, don’t get me wrong you will find that most still take months so be sure to ask the question, how long will it be before we exchange contracts? This gives you the security of a guaranteed quick property sale. How long will it be before the property sale is completed? Again there are companies out there that can complete a sale within 48 hours if you need to.

If you would like to sell but you’re not sure you are ready to move out straight away then there is an alternative called Sale and Rent Back.

Steven Martin is a FSA interim authorised provider of Sell and rent back and works at http://www.quickpurchase.co.uk and also specialises in Quick property sale within the U.K

Whatever the reason you want to move there are a few options available to you.

Sale via an estate agent.

Contact 3 or 4 estate agents to gather an idea of the market value of the property, pick an estate agent, get surveys completed, put on the property on the market, present the house at viewings, negotiate and finally accept an offer. 3 or 4 months of paper work later and you’re sold! Around six months in total, if all runs smoothly and quickly. Great But… What happens if you don’t want to wait 6 months? Or if it doesn’t all run smoothly? Or if your buyer’s buyer pulls out?

If you are in a rush to sell, it seems a normal estate agent sale is too slow with too many variables. So what are the other options?

Auction

Selling at auction is a much quicker way to sell, often completing within 2 months. This can be a wonderful way to sell a property that is highly sought after and the best outcome is a bidding war between two or more parties. However, there are a few downsides with this route. Firstly when you put your house up for auction you are obliged to allow any potential buyer (and surveyors on behalf of buyers) to view the house, so expect a busy few weeks. Secondly and perhaps more significantly it is a risk. It is more expensive than going through an estate agent with the possibility of not selling at all (but still paying the fees) or achieving a very disappointing final price. Seek unbiased and sound advice when considering this option. You want to have a good idea of market price and what you may get for your property before you approach the auction house.

Sell to an Investment Buyer?

There are companies popping up all over the place offering to buy your home quickly, are they worth looking into or is it all a big scam? While it is true that there are some companies who have popped up the first moment the word ‘recession’ appeared there are also well established investment property buyers who buy with cash, quickly. How do you tell the difference?

Check out when the company was set up. Ring them, can you have a direct number or is it a call centre? Do they listen to your situation or are they just trying to tick boxes? And most importantly, are they FSA regulated? (Financial Services Authority.) Companies will normally pay between 65-75% of the current market value for the property.

Once you find a company you like, what can you expect?

During your first phone call the property specialist will take down details of your property. They will then ring you back a few hours later with a rough offer and arrange to come and meet with you and view the property as soon as you’d like (normally within 48 hours.) During the visit, they will make you a concrete offer and if you accept, will exchange contracts with you then and there. At this point you will have a certificate of sale which is enough to stop repossession or hold debt collectors at bay. It will take a week to complete (some companies will complete in 48 hours if you need them too.) The company will pay off the debts secured on the property and then give you everything else. Hurrah!

With all of these options who you are dealing with is the key to how stressful or stress free the process is so do your research and choose wisely. You want to sell to or with someone who cares about helping you find the right solution rather than just counting their commission.

Steven Martin is a FSA interim authorised provider of Sell and rent back and also provides a Quick property sale. He works at http://www.quickpurchase.co.uk

In the western world, especially in Europe and the US, freehold refers to ownership of a real estate or property. In the English law, it is also known as “frank-tenement”. In the US, the term is simply known as it is written. It is one of the major rights of property owners. You’ll always come in contact with the word as you go in search of real estate or properties to purchase or lease.

Indeed, selling a freehold is very common in the US and elsewhere in the world today. It is the act of transferring our legal ownership of a property to another person in exchange for real cash. Once, you’ve transferred such rights to the person, the property ceases to be yours from that day.

Selling a freehold involves some well laid out processes. You need to know that the freehold right also include lands and all immovable structures attached to such lands. For instance, if you’re interested in buying a land, the freehold legal status on that land as held by the owner includes all the immovable properties such as trees and indeed every other single property on the land. If there’s an undeveloped structure or building, all of them will become yours once you make the right payment for the entire property.

However, in selling a freehold, the immovable properties involved do not include vehicles and livestock. These ones could be moved. You can only include them if the owner rightly wants you to purchase them alongside the property. Just be aware that the immovable properties involved include: buildings, trees, underground resources and other stuffs that cannot be moved.

Again, in selling a freehold, you need to be aware of the two basic qualities that make such a property transferable. Hence, for an estate to be a freehold, it must possess these two qualities:

1. Immobility and
2. indeterminate duration

1. Immobility

For a property to be considered as a sellable freehold, it must be in the form of a land or some interest issuing out of or annexed to land. This means, that it is only landed properties which are immovable are sellable freeholds. You need to bear this in mind in order not to make costly mistakes.

2. Indeterminate duration

For a freehold to be sellable, the ownership of it must be of indeterminate duration. If the ownership can be fixed and determined then, it cannot be a sellable freehold. This means that, a freehold once purchased can be in the hands of the buyer for as long as the buyer wants it to be.

In any case, selling a freehold is not done in a hurry. If you are the seller of such freehold, you actually need to sit down and think well about it. This is because; having a freehold is one of the best achievements you can ever making in life. It is always very necessary to have various assets while you’re still in the active service. Life passes away and there’s usually a period of retirement. Again, a freehold in the form of a landed property is one the best assets you can bequeath to your children. Hence, you actually need to think twice before you do away with such.

In all, if you must sell your freehold, make sure you do it the right way. Engage the services of real estate agent. Such individuals help you in getting the right buyer that can pay enough cash for your freehold property.

Before the credit crunch hit the UK selling a property quickly was as easy as:

• Getting the price correct with the estate agent
• Choosing the right estate agent
• Finding a buyer/property investor

Now unfortunately majority of these options are completely out the window, simply because it now takes quite a substantial amount of time to not only find a buyer, but also for your buyer to arrange a mortgage. Mortgage companies are now looking for greater deposits which means first-time buyers are struggling to get on the property ladder and investors are finding it hard, not only to come up with the deposit but also find a property where the rents work, not only them but the mortgage companies also.

Please don’t despair there is a solution because there are still a number of, cash property buyers in the market place to purchase property, even in today’s market. You need to ensure that you select the right company, please don’t be fooled in thinking that you will achieve a high price for your property, these companies are simply in the marketplace to purchase property below market value and make money. Most of these companies will generally be offering you 70% to 80% of a realistic market value.

You also need to ensure that the company that you are dealing with is a reputable, established and well trusted company. There are companies out there that will make you an offer and then four weeks down the line simply change the goalposts, generally because they are finding it hard to arrange finance. You need to get security of sale from the company you select i.e. an exchange of contracts and find out how quick they can do this. Don’t stop there though there are companies that will also offer to pay your legal fees.

Normally you will find companies that will visit you within 48 hours of the initial conversation. If you are happy with all the details, the contracts can be exchanged and signed on the spot. There are national cash property buyers that do have this ability, don’t get me wrong you will find that most still take months so be sure to ask the question, how long will it be before we exchange contracts? This gives you the security of a guaranteed quick property sale. How long will it be before the property sale is completed? Again there are companies out there that can complete a sale within 48 hours if you need to.

There is another alternative and that is put your property in an auction, but the those brave enough to put their property in an auction will always have the uncertainty of not knowing how much the property will achieve, whether the property will sell and not to mention you auction house fees. Selling a property in an auction can be quite a traumatic experience. So be careful is you chose the option!