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Glossary

Early Repayment Charge


Usually incurred where a product has been taken out over a specified period and the mortgage or part of the mortgage is repaid before the end of the period

Easement


A right given to the owner of one property over an adjoining property, such as a right of way This should be carefully considered by your solicitor during the purchase of a property

EEPH


The Energy Efficiency Partnership for Homes is a network of over 540 organisations from the public, private and voluntary sectors.

Electrical Safety


Landlord and Tenant Act 1985, Consumer Protection Act 1987, Electrical Equipment (Safety) Regulations 1994 and Building Regulations 2000

Electrics Building Regs Part P


Applies to houses and flats and includes gardens and outbuildings such as sheds, garages and greenhouses

Emergency Access


Can be obtained where a genuine cause of concern for safety

Encroachment


An object such as a fence belongs to one property extends onto another

Energy Performance Certificates


From the 1st October 2008 Landlords are legally required to show prospective tenants an EPC Fine £100 for non compliance

Enforcement


Method of pursuing a civil action after judgment has been made in favour of a party. Process carried out by Magistrates Court to collect fines and other monetary orders made in the Crown Court

Enforcing A Judgment


When a judgment/order has not been paid or terms obeyed with, enforcement proceedings can be issued to ensure compliance. A court can order such action as the seizure of a defendant's property for sale

Enfranchisement


Legal right to buy the landlord's/council's interest in the property, usually a right to buy the freehold

Engrossment


The final copy of the Conveyance or Deed you will be asked to sign

Entry Of Judgment


Decision of the Court in favour of one or other of the parties

Environmental Search


A search against a property to check whether there is any record kept to suggest that the property may be affected by contamination

EPC


  1. from 1 April 2018, landlords will no longer be permitted to grant new tenancies extend or renew a tenancy to an existing tenant if the property has an EPC rating of band F or G. G (as shown on a valid Energy Performance Certificate for the property);
  2. from 1 April 2020, landlords must not continue letting a rental property which is already let if that property has an EPC rating of band F or G

Equity


The difference between the price of a property sold and the loan on it

EST


The Energy Saving Trust offers advice and support on reducing energy demand in housing stock and lowering fuel bills.

Estate


The rights and assets of a person in property

Estate Agents


People who buy and sell properties on your behalf in exchange for a fee They must comply with the Estate agents act 1979

Estimated Rental Values (ERV)


An estimate of the rental a property is likely to command in the open market at a given time

Evict


Expel (someone) from a property, esp. with the support of the law

Eviction Notices


There are two lawful notices to end a tenancy being a Section 21 and a Section 8 Notice

Evidence


Documentary or other material which is used to support a person's case in a court of law

Evidence In Chief


The evidence given by a witness for the party who called him.

Exchange Of Contracts


The point at the buyer and seller become legally bound by the terms of the contract

Executor


A person or persons specified to carry out the provisions of a will

Exemplary Damages


Damages which go beyond compensating for actual loss and are awarded to show the court's disapproval of the defendant's behaviour.

Exempt


To be freed from liability or allegiance

Exit Fee


Exit fees when you pay off your mortgage or other form of financing

Ex-Local Authority


Refers to a property was formerly owned by the council

Expedition Fee


An additional fee can be paid to the land registry to speed up registration

Expert Witness


Person employed to give evidence on a subject in which they are qualified or have expertise

Expiry Date Of Section 21


There are three dates to consider on the notice, service, issue and expiry
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The checkout and exit How to deal with a problem tenant Compare eviction notices Recovering debt Enforcing court orders Section 21 notice Section 8 notice
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