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1 What is a Shared Ownership Mortgage? - NerdWallet
https://www.nerdwallet.com/uk/mortgages/what-is-a-shared-ownership-mortgage/
Applying for a shared ownership mortgage is essentially the same as making any mortgage application. This means a mortgage lender will examine ...
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2 What is a Shared Equity Mortgage? - LendingTree
https://www.lendingtree.com/home/mortgage/buying-a-home-with-a-shared-equity-mortgage/
A shared equity mortgage is a financial agreement in which a financial institution acts as both the lender for and an investor in a property ...
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3 Shared Equity Mortgage Definition - Investopedia
https://www.investopedia.com/terms/s/shared_equity.asp
A shared equity mortgage is an arrangement under which a lender and a borrower share ownership of a property. The borrower must occupy the property.
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4 What is Shared Ownership? | Share to Buy
https://www.sharetobuy.com/guides-and-faqs/what-is-shared-ownership/
Shared Ownership allows you to buy a percentage of a property, paying a mortgage on the share you own and rent to a housing association on the remainder. You ...
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5 What is Shared Ownership and How Does it Work? - Bankrate
https://www.bankrate.com/uk/mortgages/what-is-shared-ownership/
Shared ownership is one of the government's Help to Buy schemes. The way it works is that you own a percentage of your home and the rest is owned by a ...
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6 Shared Ownership Explained: How It Works - Pacaso
https://www.pacaso.com/blog/how-shared-ownership-works
Shared ownership can help lower the utility, maintenance, and tax expenses for your first or second home, and you may also have a lower down ...
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7 How to Buy a House with Multiple Owners - My Mortgage Insider
https://mymortgageinsider.com/co-owning-house-with-friends-relatives-7238/
Joint ownership examples ... There are no lending rules against purchasing a home with someone who is not your spouse or family. Some common ...
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8 Co-Buying A Home Can: Pros and Cons - Hometrek
https://www.hometrek.org/co-buying-a-home-pros-cons/
Co-buying is when two or more people purchase a property and agree to share ownership. This can be a partnership between a couple, relatives, close friends or ...
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9 Shared Ownership Mortgage | MoneySuperMarket
https://www.moneysupermarket.com/mortgages/first-time-buyers/shared-ownership-schemes/
You can take out a mortgage for the share you own (usually between 25% and 75%) while paying rent on the rest to a housing association. As you' ...
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10 Shared ownership – is it right for you? - Mortgages - Barclays
https://www.barclays.co.uk/mortgages/shared-ownership-mortgages/
It's a government-backed scheme to help you onto the property ladder. You first buy a share of between 10% and 75% of the value of a home (usually a new-build ...
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11 Shared Ownership Mortgages – November 2022 - Forbes
https://www.forbes.com/uk/advisor/mortgages/shared-ownership/
You need a shared ownership mortgage if you're buying a home through a shared ownership scheme. The scheme helps first-time buyers, or those on ...
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12 How to Buy a Shared Ownership Property in 2022 ... - YouTube
https://www.youtube.com/watch?v=IqPW7rOdtNI
Alex Kerr - Mortgage Chain Ltd
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13 The Pro's and Con's of Shared Ownership Properties - YouTube
https://www.youtube.com/watch?v=kyccpHTu9pE
Alex Kerr - Mortgage Chain Ltd
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14 Shared Ownership Home Loans - Keystart
https://www.keystart.com.au/loans/shared-ownership-home-loan
Shared ownership loans allow you to purchase a share in your property until you are in a position to buy the property outright. This helps to reduce your ...
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15 Can I Get a Shared Ownership Mortgage With Bad Credit?
https://haysto.com/mortgage-guide/shared-ownership-mortagage-with-bad-credit
Shared Ownership mortgages help people who can't afford 100% of the cost of a home to purchase a share of a property and rent the rest. Shared Ownership is a ...
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16 How to Buy an Ownership Share of a Friend's Home | Nolo
https://www.nolo.com/legal-encyclopedia/how-buy-ownership-share-friend-s-home.html
The new co-owner to be can pay the original owner a lump sum to assume a percentage ownership in the equity (the value of the home, less what the owner owes on ...
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17 Shared Equity Models Offer Sustainable Homeownership
https://www.huduser.gov/portal/periodicals/em/fall12/highlight3.html
3 Shared appreciation loans are second mortgages provided by a public or nonprofit agency that buyers repay in full at the time of resale along with a ...
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18 5 Best Home Equity Sharing Companies (November 2022)
https://lendedu.com/blog/home-equity-sharing-agreements/
A shared equity agreement allows you, the homeowner, to receive a lump sum payment that can be used however you'd like, without taking on debt ...
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19 Everything You Need To Know About Shared Ownership
https://www.totallymoney.com/mortgages/shared-ownership/
The buyer purchases a share between 25% and 75% of a property, either outright or through a mortgage on that share, from a housing association (a non-profit ...
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20 Shared Equity Research - Urban Institute
https://www.urban.org/projects/shared-equity-research
Shared equity, or long-term affordability, is an innovative model that nonprofit housing associations or municipalities offer, making homes more affordable ...
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21 Shared Equity Programs - Fannie Mae
https://singlefamily.fanniemae.com/originating-underwriting/mortgage-products/shared-equity-programs
Down Payment Assistance. Fannie Mae supports affordable housing through the purchase or securitization of several types of shared equity mortgages. Learn More ...
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22 Joint Tenancy: Definition, Pros And Cons | Rocket Mortgage
https://www.rocketmortgage.com/learn/joint-tenancy
Joint tenancy is a legal term for an arrangement that defines the ownership interests and rights among two or more co-owners of real property. In a joint ...
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23 Shared ownership: pros and cons explained - Unbiased
https://www.unbiased.co.uk/discover/mortgages-property/buying-a-home/shared-ownership
Shared ownership schemes are run by housing associations, and are usually open only to first-time buyers. They enable you to take out a mortgage ...
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24 Co-Ownership | nidirect
https://www.nidirect.gov.uk/articles/co-ownership
You buy as much of the property as you can afford. You're responsible for making payments. You choose the lender and arrange a mortgage. Co-Ownership doesn't ...
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25 Shared Ownership Mortgages - HomeOwners Alliance
https://hoa.org.uk/advice/guides-for-homeowners/i-am-buying/shared-ownership-mortgages/
In order to buy a shared ownership property, you need to pay for at least 25% of your home – and rent the remaining share from your local housing association. A ...
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26 Shared ownership: a low-cost way to buy a home
https://www.theguardian.com/money/2022/sep/10/shared-ownership-cost-buy-home-property
The mortgage rate on shared ownership homes can also (although not always) be slightly higher than standard purchases.
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27 A Guide to Shared Ownership Mortgages
https://www.onlinemortgageadvisor.co.uk/shared-ownership/a-guide-to-shared-ownership-mortgages/
Shared Ownership is usually, but not always, offered on new build properties built by a housing association or private developer.
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28 Shared Ownership Properties in London - Peabody Sales
https://www.peabodysales.co.uk/ways-to-buy/shared-ownership/
Shared Ownership is a part buy/part rent scheme that makes it possible for first time buyers to purchase a property that otherwise would not have been ...
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29 When To Consider Buying A House With Friends
https://www.rockethomes.com/blog/home-buying/buying-home-with-friend
Joint Tenancy Vs. Tenancy In Common: A Quick Comparison ; In the event of a co-owner's death, share. of ownership is passed to the surviving. co-owner. In the ...
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30 Government schemes for first-time home buyers and existing ...
https://www.moneyhelper.org.uk/en/homes/buying-a-home/government-schemes-for-first-time-home-buyers-and-existing-homeowners
the scheme provides a shared equity loan of up to 20% of the purchase price; you must take out a repayment mortgage to cover the remaining amount.
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31 Shared Ownership or Equity Mortgages - Leeds Building Society
https://www.leedsbuildingsociety.co.uk/mortgages/shared-ownership-shared-equity-mortgages/
Shared Ownership and Shared Equity mortgages are increasingly popular for first-time buyers looking to get on the property ladder. 'Traditional' mortgages ...
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32 Co-Ownership: Helping you become a homeowner
https://www.co-ownership.org/
Co-Own ... Shared ownership means you buy a share of a property and we buy the rest. You pay the mortgage on your bit and pay us rent on our bit, and you may not ...
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33 The pros and cons of Shared Ownership - Reallymoving.com
https://www.reallymoving.com/conveyancing/guides/the-pros-and-cons-of-shared-ownership
You own a share of a property, with a housing association owning the remaining share. You pay mortgage repayments on the share you own and rent on the share you ...
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34 Shared ownership mortgages – how do they work? - Ideal Home
https://www.idealhome.co.uk/property-advice/shared-ownership-mortgages-295029
Shared ownership mortgages aren't exclusively for first time buyers - if you already have a shared ownership property and want to move to ...
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35 Shared ownership mortgages | Halifax
https://www.halifax.co.uk/mortgages/help-and-advice/shared-ownership-mortgages.html
Shared ownership is a type of mortgage. It's different to a residential mortgage, as instead of buying the whole property, you buy a share.
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36 Shared Ownership week explained | Mortgage Introducer
https://www.mpamag.com/uk/mortgage-industry/guides/shared-ownership-week-explained/421005
Deposit requirements for shared ownership properties are typically lower, meaning that shared ownership can also facilitate homeownership by ...
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37 Shared ownership remortgage - Expert Mortgage Advisor
https://www.expertmortgageadvisor.co.uk/remortgage/shared-ownership-remortgage/
Shares in a property usually vary from 25-75%. Remortgaging a shared ownership property can enable you to increase your shares to 100% until you own the ...
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38 Shared Ownership Mortgage
https://www.themortgagehut.co.uk/expert-articles/first-time-buyers/17/shared-ownership-mortgages
Shared ownership properties are always leasehold. Eligible applicants can buy a stake of a shared ownership property from a housing association or private ...
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39 What is a shared ownership mortgage and how does it work?
https://www.thesun.co.uk/money/14792527/shared-ownership-scheme-mortgage-houses/
A shared ownership mortgage lets you buy a share of a property under the housing scheme. Like a normal mortgage, you will need a deposit. For ...
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40 Shared Ownership – Wales - GOV.WALES
https://gov.wales/shared-ownership-wales
you can purchase of an initial share of between 25% to 75% of the value of the chosen property; you must take out a repayment mortgage for the share of the home ...
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41 Shared Equity Models of Ownership
https://nhc.org/policy-guide/shared-equity-homeownership-the-basics/shared-equity-models-of-ownership/
The cooperative borrows money from a home loan fund or local bank to purchase the property, eliminating the need for each family to apply for a loan to purchase ...
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42 What Is Shared Ownership? - YouOwn
https://youown.co.nz/shared-ownership/
First and foremost, it means you initially share the ownership of a property with a third party. You are always the majority owner, but instead of owning 100% ...
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43 What is a Shared Ownership Mortgage? | Help and Guidance
https://www.lloydsbank.com/mortgages/help-and-guidance/mortgage-types/what-is-shared-ownership-mortgage.html
Shared ownership schemes work by letting you take out a mortgage on part of the property, then pay rent on the rest. This can mean you'll be able to buy a home ...
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44 Shared ownership – how the homebuying scheme works
https://www.moneysavingexpert.com/mortgages/shared-ownership-scheme/
Buying part of a property through shared ownership is one way of getting a foot on that first rung of the ladder – a ladder that's become ...
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45 Co Ownership: How Does It Work? - NY Rent Own Sell
https://www.nyrentownsell.com/blog/co-ownership-how-does-it-work/
The chief advantage of a joint mortgage is that you will be able to purchase a more expensive property by pooling your finances. One potential drawback is that ...
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46 Shared Ownership Top 10 Issues
https://andysirkin.com/shared-and-family-ownership/shared-ownership-top-10-issues/
Tax Deductions: Whether the co-owners will be able to deduct expenses such as mortgage interest, property tax, and depreciation, and whether deductions can be ...
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47 How can shared ownership homes give first time buyers better ...
https://www.lloydsbankinggroup.com/insights/shared-ownership-gives-first-time-buyers-access-to-housing-market.html
The scheme allows a mortgage to be taken on a share of a property, usually between 25% and 75%, rather than the whole sum. Rent is then paid on ...
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48 Shared ownership homes: buying, improving and selling
https://www.gov.uk/shared-ownership-scheme
You can take out a mortgage to buy your share or pay for it with savings. You'll also need to pay a deposit, usually between 5% and 10% of the share you're ...
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49 Shared Ownership finances explained
https://www.nhgsales.com/buying-with-us/shared-ownership/affordability/shared-ownership-finances-explained/
Shared ownership is another way to buy your own home. You buy a percentage, as much as you can afford from 25% to 75% of the value of the home, ...
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50 Home Ownership for People with Long-Term Disabilities (HOLD)
https://www.ownyourhome.gov.uk/scheme/hold/
HOLD operates on the same basis as Shared Ownership. As a result, you can buy an initial share of a home worth between 10% and 75% of its market value. You will ...
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51 Shared ownership housing rights - Shelter England
https://england.shelter.org.uk/professional_resources/legal/home_ownership/shared_ownership_housing_rights
The shared owner pays a premium for the lease as a fixed amount of the property value (10-75%) to the landlord. They usually pay for this with a ...
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52 What is shared ownership?
https://sharedownershipweek.co.uk/what-is-shared-ownership/
You as the purchaser would pay a mortgage on the share that you own and then pay rent on the remaining share, to the housing association that sold you the ...
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53 Shared Ownership Vs Renting - The Costs, Pros & Cons
https://landgah.com/help-and-advice/shared-ownership-vs-renting-the-costs-pros-cons/
With Shared Ownership, you buy a percentage of a property, then pay rent on the remaining portion, with the option to increase your share at a later date. The ...
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54 Shared-Ownership Housing Scheme Explained
https://www.mortgagesavingexperts.com/mortgages/first-time-buyers/shared-ownership-scheme-mortgages/
Shared ownership schemes are run by housing associations and are usually open only to first-time buyers. They enable you to take out a mortgage on a portion ...
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55 Compare Shared Ownership Mortgages - Uswitch.com
https://www.uswitch.com/mortgages/shared-ownership/
The shared ownership scheme is a government initiative that allows you to buy a share of a property that is currently owned by a housing association.
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56 Shared Ownership Mortgages
https://www.themortgagebrain.net/mortgages/shared-ownership-mortgages/
Shared Ownership is a lower cost way to buy a newly built home or an existing one through resale programmes from housing associations. You'll need to take out a ...
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57 What is Shared Ownership? - WDH
https://www.wdh.co.uk/Tenant/FAQ/?QID=315
Shared Ownership scheme, how to apply, deposits and mortgages, shares and selling. Shared Ownership is a scheme for people who cannot afford to buy a home ...
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58 A Guide To Shared Ownership - Mortgage Required
https://mortgagerequired.com/news/a-guide-to-shared-ownership
The scheme works on the basis that rather than having to put together a deposit and mortgage to purchase the whole of the property, a buyer can now purchase ...
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59 Shared Ownership Mortgages with The Cambridge
https://www.cambridgebs.co.uk/mortgage-campaign/shared-ownership
Shared Ownership schemes are a way to help buying a home become a more affordable option. We offer a range of mortgages designed specifically for people buying ...
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60 What is Shared Ownership and how does it work? - Zoopla
https://www.zoopla.co.uk/schemes/shared-ownership/
Shared Ownership is a government scheme that offers you the chance to buy a share of a property from a housing association, a non-profit-making body that ...
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61 Homes for sale - The Community Housing Group
https://www.communityhousing.co.uk/housing/homes/sale.php
Shared ownership gives you the opportunity to purchase a share in a property. You pay a mortgage on the share you own, in most cases, and pay rent on the ...
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62 Alexander Studhalter on why people consider shared ownership
https://ceoworld.biz/2022/09/22/alexander-studhalter-on-why-people-consider-shared-ownership/
Shared ownership is an alternative homeownership scheme. In that scheme, first-time buyers and those without homes can purchase shares in new ...
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63 Shared Equity Mortgage: What Is It? - The Balance
https://www.thebalancemoney.com/what-is-a-shared-equity-mortgage-4802119
A shared equity mortgage is when an organization, investor, or municipality lends a buyer all or some of the funds they need to buy a home.
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64 Low cost home ownership schemes – Slough Borough Council
https://www.slough.gov.uk/low-cost-home-ownership/low-cost-home-ownership-schemes/2
Shared Ownership allows you to buy a share of a property. You pay a mortgage on the share you own, and a below-market-value rent on the part you do not own.
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65 Shared ownership mortgage guide - Trussle
https://trussle.com/mortgages/shared-ownership
If you use Help to Buy, you get a mortgage to buy 75% of the property. The government then tops that up with a 20% loan, so you only have to find a 5% deposit.
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66 Center for Shared Ownership - Chicago Rehab Network
https://www.chicagorehab.org/training/center-for-shared-ownership
Meanwhile, Chicago has a continuing shortage of affordable housing, at a staggering 120,000 units. Catalyzing shared equity development can be one solution ...
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67 Shared Ownership New Build Houses, Part Buy Part Rent ...
https://www.bovishomes.co.uk/ways-to-move/part-buy-part-rent
You can purchase your share with either cash savings or by taking out a mortgage. If you are taking out a mortgage to finance your share, then you will ...
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68 Shared ownership for self employed - Contractor Mortgages
https://www.thecontractormortgagecompany.co.uk/shared-ownership/
Shared ownership is a system that allows people to get onto the property ladder by buying a percentage of a home while renting the remainder from a housing ...
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69 Shared ownership - Which? - Which? Magazine
https://www.which.co.uk/money/mortgages-and-property/first-time-buyers/help-to-buy/shared-ownership-awjs50y9dbf6
To staircase, you'll need to pay for the housing association to carry out a valuation of the property and make sure you have the cash or mortgage finance in ...
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70 Help to buy and shared ownership - Elmbridge Borough Council
https://www.elmbridge.gov.uk/housing/help-to-buy-and-shared-ownership/
The mortgage guarantee scheme; Help to Buy: Equity Loan - provides loans of up to 20% of the cost of your newly built home; Shared Ownership: Right to Buy.
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71 How to buy a house with someone else | The Mortgage Reports
https://themortgagereports.com/88771/can-two-people-buy-a-house
If you buy a home with someone else, you'll both be on the hook for mortgage payments. You'll also share in the equity gains and other perks ...
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72 Shared ownership - Citizen Housing
https://www.citizenhousing.org.uk/find-a-home/shared-ownership/
It allows you to buy a share in a brand new leasehold property (either a house or an apartment) on a part buy/part rent basis and pay a subsidised rent on the ...
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73 Shared Ownership Mortgages | Apply Online - Lending Expert
https://www.lendingexpert.co.uk/mortgages/shared-ownership/
Key Features · A shared ownership mortgage is where you buy a share of a property, and pay a monthly rent on the rest. · The initial share is usually between 25% ...
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74 Obtaining A Joint Mortgage or Shared Home Ownership
https://www.mortgageloan.com/obtaining-a-joint-mortgage-or-shared-home-ownership-3502
When two people apply for a mortgage together, the lender typically considers the credit rating and history of the person with the highest income in deciding ...
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75 Affordable home ownership schemes: risks need to be better ...
https://www.york.ac.uk/news-and-events/news/2022/research/home-ownership-risks/
Interest rates; people in shared ownership properties tend to be offered higher interest rates than regular mortgages (due to banks ...
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76 How Does a Co-Ownership Mortgage Work?
https://www.guidanceresidential.com/resources/faith-based-financing/how-does-a-co-ownership-mortgage-work/
In a co-ownership model to home financing with Guidance Residential, the co-owning individual maintains all of the typical rights of a homeowner, such as full ...
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77 Shared Ownership Mortgages with Bad Credit | The Money Hub
https://www.themoneyhub.co.uk/mortgages/shared-ownership-mortgages/
Shared ownership mortgages work by buying a portion of the property and paying rent on the rest of the property. A buyer, for example, ...
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78 Shared ownership: The pros and cons explained - CJ Hole
https://www.cjhole.co.uk/news/what-is-shared-ownership-8276
Because you're only buying a part share of a property, you'll only need a mortgage on the share you own – meaning you'll borrow less and require ...
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79 Shared Ownership Mortgages | Comparethemarket
https://www.comparethemarket.com/mortgages/content/shared-ownership-mortgage/
How does a shared ownership mortgage work? A shared ownership mortgage enables you to part rent and part buy. You buy a share of a new-build or ...
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80 Shared Ownership Mortgages Brokers in Milton Keynes
https://mortgagelight.co.uk/mortgages/shared-ownership/
It is the most common affordable purchase option. Quite simply, you purchase a share of a property with the remaining proportion retained by a Housing ...
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81 About shared ownership - SO Resi
https://soresi.co.uk/about-shared-ownership/
It can be from just 10%, but is usually between 25% and 75%, which means you will need a smaller deposit and mortgage. You can buy more shares of your home in ...
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82 Shared Ownership Scheme - Reach 4 Mortgage Solutions
https://www.reach4mortgages.com/mortgages/shared-ownership-scheme
Essentially, shared ownership is where you buy a share of a house and you rent the remaining share. Because you're buying a smaller percentage of the house, ...
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83 Applying for a shared ownership home - Help to Buy South
https://www.helptobuyagent3.org.uk/help-to-buy-schemes/applying-shared-ownership/
How to apply · Register with us and complete a shared ownership application form. · We will confirm if you're eligible to buy a shared ownership home. · When you ...
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84 Help to Buy & Home Ownership Schemes | NatWest Mortgages
https://www.natwest.com/mortgages/mortgage-guides/home-ownership-schemes.html
With shared ownership, buyers take out a mortgage for a portion of a property and then pay rent on the remaining share. Over time, they can increase their ...
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85 Shared ownership - Housing Advice NI |
https://www.housingadviceni.org/shared-ownership
Shared ownership means you buy a part of a property and someone else buys the rest. You then pay rent on the part of the property you don't own.
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86 Co-ownership
https://www.lifeatkey.com/
With co-ownership, you start with a small home equity deposit and no mortgage. Your investment grows with the value of the home and you build additional home ...
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87 Shared Ownership Mortgages - IMS Property Group
https://imspropertygroup.co.uk/services/mortgages/shared-ownership/
What is a shared ownership mortgage? It's simply two or more people splitting the cost of property between them. This type of mortgage makes it possible for ...
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88 Everything you need to know about buying a house with ...
https://metro.co.uk/2022/06/14/everything-you-need-to-know-about-buying-a-house-with-shared-ownership-16821767/
Shared ownership allows you to buy part of a home from a housing association, meaning you need a much smaller deposit.
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89 7 Things to Know About Shared Ownership Mortgages
https://mortgagekey.co.uk/guides/7-things-to-know-about-shared-ownership-mortgages
You may have secured a Shared Ownership mortgage deal that suits you, with discounted rates and preferable repayment options, but the properties which are ...
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90 Compare Shared Ownership mortgages - Money
https://www.money.co.uk/mortgages/shared-ownership-mortgages
Shared ownership lets you take out a mortgage to buy a share of a property – usually between 10% and 75% · You pay rent to a housing association on the share you ...
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91 Shared Ownership | Mortgage Advisers - Mint FS
https://www.mintfinancialservices.co.uk/services/mint-mortgages/shared-ownership/
With shared ownership, you part buy and part rent a home from a housing association, allowing you to take out a much smaller mortgage than if you were ...
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92 Shared Ownership Houses - What is it and how does it work?
https://griffinproperty.co/blog/detail/shared-ownership-houses
When you can't afford 100% of the mortgage, you are going to need some help to buy the home that you want. As such, what happens is that you purchase as many ...
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93 What Is Shared Ownership? | L&Q Homes
https://lqhomes.com/shared-ownership/
With a small deposit, you may be eligible for a shared ownership mortgage, which has a lower monthly mortgage repayment. You can buy a share in a home and ...
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94 Can I use a shared ownership scheme with a Generation ...
https://help.generationhome.com/en/articles/5140521-can-i-use-a-shared-ownership-scheme-with-a-generation-home-mortgage
Unfortunately not, we don't currently offer mortgages on shared ownership properties. ... We do not currently offer mortgages to customers looking to buy a ...
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95 10 step guide to buying a shared ownership property
https://www.housingsolutions.co.uk/find-a-home/shared-ownership/10-step-guide-to-buying-a-shared-ownership-property/
Check if you can afford to buy a property by contacting a financial advisor, your bank or building society to make an initial enquiry about getting a mortgage.
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96 Mortgage lending on shared ownership properties
https://www.mortgagefinancegazette.com/features/mortgage-lending-shared-ownership-properties-13-01-2021/
Under the current arrangement the purchasers can buy between 25% and 75% of the property with the aid of a mortgage granted by one of the ...
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97 Shared Ownership Mortgage Products - Pepper Money UK
https://www.pepper.money/intermediary/affordable-home-ownership/shared-ownership-mortgage-products/
We help you help your customers to purchase a share of a new build property whilst renting the remaining share from the Housing Association.
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98 Shared Ownership – frequently asked questions
https://www.helptobuyagent1.org.uk/faqs-shared-ownership/
All shared ownership homes (houses and flats) are sold as leasehold. ... Your mortgage lender will require you to instruct a legal adviser if you are ...
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