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🏠

What is the property address?

The full address of the property being purchased

📋

Property details

Land Registry title number and property type

💷

Purchase details

The purchase price and completion date

⚖️

How will the property be held?

This determines how ownership shares pass on death

📊
Tenants in Common
Different shares possible
🤝
Joint Tenants
Equal shares only
Tenants in Common: Each co-owner has a specific percentage share. These can be unequal and pass according to each owner's Will on death. Most common for unmarried couples and family purchases.
👥

Who are the co-owners?

Add all people who will own the property

Co-Owner 1 (Primary)
Co-Owner 2
🏦

Is there a mortgage on the property?

Tell us about any mortgage financing

✅
Yes, there is
a mortgage
💵
No, cash
purchase
📊

How will mortgage payments be split?

Choose how monthly payments are divided

📊
Proportional to
ownership shares
⚖️
Equally between
all co-owners
✏️
Custom
arrangement
💷

How will ongoing costs be divided?

Bills, insurance, repairs, council tax etc.

📊
Proportional to
ownership shares
⚖️
Equally between
all co-owners
✏️
Custom
arrangement
Covered: Council tax, utilities, buildings insurance, service charges, ground rent, repairs and maintenance.
🔑

Will all co-owners live at the property?

Or are some co-owners investors only?

🏡
Yes, all will
live there
💼
No, some are
investors only
🏷️

Sale notice period

Minimum notice before one co-owner can require a sale

📅
3 Months
📆
6 Months
🗓️
12 Months
This gives time to arrange finances or find a buyer for one co-owner's share rather than selling the whole property.
🤝

Right of first refusal?

Can remaining co-owners buy out a selling co-owner first?

✅
Yes, remaining
co-owners have
first option
❌
No right of
first refusal
Gives remaining co-owners the first opportunity to buy the selling co-owner's share before it's offered to outside parties.
💰

How will sale proceeds be divided?

After mortgage and costs are paid

📊
By ownership
shares
💵
Return deposits
first, then split
✏️
Custom
arrangement
📋

Death of a co-owner

Should surviving co-owners have option to buy deceased's share?

✅
Yes, surviving
co-owners have
first option
📜
No, passes per
Will/intestacy
As Tenants in Common, each co-owner's share passes according to their Will (or intestacy rules). This option gives surviving co-owners first chance to buy from the estate.
🔨

Consent for improvements?

What agreement is needed for property changes?

✋
Unanimous
consent for all
🔧
Unanimous for
major (£5k+)
🗳️
Majority
consent
📈

How do improvements affect ownership?

If one co-owner pays for improvements

💷
Reimbursement
on sale
Shares unchanged
📊
Adjust ownership
shares
Based on value added
🤝

How should disputes be resolved?

Primary method for resolving disagreements

🤝
Mediation first
Then court if needed
⚖️
Binding
arbitration
🏛️
Direct to
court
Recommendation: Mediation is generally most cost-effective. An independent mediator can help reach agreement without expensive court proceedings.
✂️

Do you need a Notice of Severance?

Required if you currently hold the property as joint tenants and need to change to tenants in common

What is this? A Notice of Severance is a written notice under Section 36(2) of the Law of Property Act 1925 that formally changes your ownership from joint tenants to tenants in common. You then submit Form SEV (free, no fee) to HM Land Registry to register the change.
❌
No
Already tenants in common or new purchase
✅
Yes
Currently joint tenants, need to sever
📬

How will the Notice of Severance be delivered?

Choose how the notice will be served on the other co-owner

🤝
Hand Delivery
With signed acknowledgment of receipt
📮
Recorded Delivery Post
Keep postal receipt as proof of service
📅

Date of Declaration

When is this declaration being made?

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