(Latin) for “from the beginning”.
Reduction or rebate of an amount owed, usually by agreement with the person to whom the debt is owed. Debts or claims may be abated pro rata if there is not enough money to meet them all.
An event resulting from natural causes, without human intervention (such as floods or earthquakes). Insurance policies often exclude acts of God.
One of three requirements for a valid contract under common law (the other two being offer and consideration). A contract does not become legally binding until one party has made an offer and the other party indicates his readiness to accept the terms of the offer. Acceptance must be unconditionally communicated to the offeror while the offer is still open. Acceptance of an offer can, in certain circumstances, be implied by conduct.
A contract may be discharged if one party, who has complied with his part of the contract, accepts compensation from the other party instead of enforcing the contract. The accord is the agreement by which the obligation is discharged. The satisfaction is the consideration (usually money and of a lesser value) which makes the agreement operative.
Proceedings in a civil court.
Action or inaction which legally binds someone, even unintentionally. For example, an action such as accepting goods from a supplier will be binding if it implies recognition of the terms of a contract.
Postponement of a hearing by a judge on whatever terms he sees fit.
A person appointed to manage the property of another (such as the administrator of the estate of someone who has died without leaving a will).
Possession of land, without legal title, for long enough - normally 12 years - to be recognized as the legal owner (otherwise known as "squatter's rights").
Sworn written statement signed by a deponent, who swears that its contents are true to the best of their knowledge and belief. It must be witnessed by a practising solicitor or commissioner for oaths.
Person with power to contract on behalf of others, binding them as if they were signing the contract themselves. The person represented by the agent is called the principal.
Exceptional damages awarded by a court where a defendant's behaviour towards the plaintiff or victim has been particularly humiliating, malicious or vindictive.
Method by which conflicts and disputes are resolved privately, other than through litigation, usually by mediation or arbitration. ADR involves the appointment of a third-party to preside over a hearing between the two sides. The advantages of ADR are privacy and speed. The disadvantage is that ADR may involve compromise of legal rights.
The total cost of a loan, which includes the costs, interest charges and arrangement fees.
To date retroactively, before a document was drawn up.
Challenge to a court decision in a higher court.
The act of replying to a summons or turning up in court and accepting its jurisdiction to try proceedings. A barrister or solicitor may make an appearance on a client's behalf.
Person who makes an appeal.
A shaped moulding which frames door and window openings.
A certificate provided by an architect, which confirms their overseeing of the construction of a
building. Building societies are unlikely to lend on a newly-built house in the absence of one.
Accumulated debt which has not been paid on the due date.
To give or transfer responsibility to another person. The person who receives the right or property is the assignee; the assignor is the person giving.
The transfer of ownership of an insurance policy or lease.
Legal adviser to the Government, appointed by the President on the advice of the party in power.
The sale of a property to the highest bidder provided the amount exceeds any reserve. Buyers are required to sign a contract and pay a deposit immediately.
(Latin - hear the other side) A principle of natural justice which requires that, where a decision may affect an individual's rights, that person has a right to be heard. It includes the right to receive notice of a hearing and to be legally represented.
A length of timber to which roof tiles are fixed.
Building regulations are prescriptions and rules in relation to building standards set down in law.
Specialist in litigation and advocacy who receives instructions from a solicitor. A barristers may not normally deal directly with members of the public.
A type of mortgage specifically for investors buying a property with the intention of then letting it out.
The mortgage lender’s standard rate of interest which may be increased or decreased, depending
on prevailing economic conditions.
A temporary loan, which allows a buyer to complete on the purchase of a property before selling
their previous property.
A tar like substance which when heated becomes liquid, and then hardens after cooling. Generally used for joining both layers of a flat felt roof.
Person who receives a gift under a will, or for whose benefit property is held by an executor or trustee.
Written, signed instrument requiring the person to whom it is addressed to pay on demand (or on a future date) a fixed amount of money either to the person identified as payee or to anyone presenting the bill of exchange. A cheque is a form of bill of exchange.
Failure or refusal to fulfil a term of a contract. The injured party may bring an action for damages, for enforcement or for cancellation of the agreement.
Offers a specialised service in all matters relating to construction, including the restoration of old buildings and the construction of new ones. They also deal with structural surveys, schedules of dilapidations and insurance claims.
A rule of evidence that requires a party to a court action to prove something, otherwise the contrary will be assumed by the court. For example, in criminal trials, the prosecution has the burden of proving the accused guilty beyond a reasonable doubt (because of the presumption of innocence).
Published court decisions which establish legal precedents, binding lower courts.
(Latin- - beware.) A formal warning. Caveat emptor (meaning "buyer beware") is a warning to buyers to check for themselves things which they intend to buy, so they cannot later hold the vendor responsible for the faulty condition of the item. The Sale of Goods and Supply of Services Act 1980 extends the rights of consumers in this area.
Moveable items of property which are neither land nor permanently attached to land or a building. (Land or buildings are described as "real property".) Chattels are also known as personal property (or personality). A freehold property is not a chattel, but a leasehold is.
Form of security for payment of a debt.
Court above the District Court and below the High Court.
Written amendment or addition to an existing will.
Property committed to guarantee a loan.
Legal entity which permits a group of shareholders to create an organization to pursue set objectives. A company may have legal rights which are usually reserved for individuals, such as the power to sue and be sued, own property, hire employees or lend and borrow money. The main advantage of a company structure is that it gives shareholders a right to participate in profits (through dividends) without any personal liability.
Court order agreed between both sides.
Consideration has been defined as "some right, interest, profit or benefit accruing to the one party, or some forbearance, detriment, loss or responsibility given, suffered or undertaken by the other". Under common law, any binding contract must have some consideration, no matter how small. The courts will not normally inquire into the sufficiency of the consideration; a "peppercorn rent" would be sufficient.
A Chartered Surveyor is a professional who practises in one of the following areas of the property and construction industry: Quantity Surveyor, Valuation Surveyor, Building Surveyor, Mineral Surveyor, Geomatics Surveyor, Planning and Development Surveyor, Rural Practice Surveyor.
A legally binding written document of agreement between two parties approved by both sides' S
olicitors, and setting out the agreed terms by which both sides are committed to proceed to
completion.
A legal term covering a registered claim against a property as security for money owing.
To leave property in the custody of another. An item can be consigned to a transport company, for example, to move it from one place to another. The consignee is the person who receives the property and the consignor is the person who ships the property to the consignee.
The lack of adequate ventilation in a room causes an accumulation of moist air, which when it
meets a cold wall or window deposits moisture in the form of condensation. Can easily be cured by an increase in ventilation and improving insulation.
A person for whose benefit property is being held by trustees, executors or administrators.
Is either taken to mean the act of transferring ownership of a property, or alternatively the legal document which effects the transfer.
Legal process of interpreting a phrase or document. If a term is unclear or ambiguous, lawyers and judges must try and interpret (or construct) its probable intention and purpose. This may be done by referring to other parts of the document, by reference to the known intentions of those who drew up the document, or, in the case of statutes, by referring to an interpretation law which gives guidelines for construction.
A form of damp proof course using a chemical compound injected into the brickwork.
The details that determine the rights and duties of the buyer and seller.
Trust imposed by a court in certain circumstances, regardless of the intention of the parties involved (such as where a trustee has improperly profited from his position).
The date of payment of the balance of the purchase money, when the buyer is entitled to take
possession of the property.
A tax upon any profit realised on the disposal of an asset. Owner occupied properties are generally exempt from Capital Gains Tax.
Generally a “flat” stone used to cap the top of parapet walls or garden walls.
A binding promise in a deed to do or not to do something i.e., payment of a service charge, or restrictions to not do something such as trading from a residential premises.
Agreement between two or more persons which obliges each party to do (or refrain from doing) a certain thing. A valid contract requires an offer, acceptance of that offer and consideration.
Contract law is the basis of all commercial dealings. The terms of a contract may be express or implied. Express provisions may be varied by statute. Unfair contract terms are now excluded by legislation, and, in areas such as employment and the sale of goods, the law imports a wide range of implied terms into new and existing contracts
Negligence which is not the primary cause of a tort, but which combined with the act or omission of another person to cause the damage. In the case of a car crash, for example, an injured driver who was not wearing a seat belt may be found contributorily negligent for his injuries.
Legal proceeding for damages by a property owner against a defendant who found property and converted it to his own use - that is, retained it or otherwise interfered with it.
Written document transferring property from one person to another. Conveyances are usually drafted by solicitors.
The legal expenses of an action, such as lawyers' fees, witness expenses and other fees paid out in bringing the matter to court. The rule is generally that "costs follows the event", which means that the loser normally pays the legal costs of both sides. The judge has the final decision and may decide not to make an order on costs.
Another term for a barrister.
Respondent's claim against a plaintiff in the same action.
Written document in which signatories either commit themselves to do (or not to do) something, or in which they agree on a certain set of facts. Covenants are very common in leases where a landlord will usually covenant to give the tenant "quiet enjoyment" and the tenant covenants to pay the rent, keep the premises in good repair and deliver them up at the end of the tenancy.
Person to whom money, goods or services are owed by a debtor.
Act or omission forbidden by criminal law.
Land around a dwelling house, used by the occupants for their enjoyment or work. This land may be enclosed by fencing and includes any outhouses such as sheds, garages or workshops.
Financial compensation ordered by a court to offset losses or suffering caused by another person's action or inaction. Damages are typically awarded in claims for breach of contract, negligence or breach of statutory duty.
Written and signed document which sets out the agreement of the signatories in relation to its contents. Under common law, a deed had to be sealed - marked with an impression in wax. A deed is delivered by handing it to the other person. Usually a deed (or some other written evidence) is required in relation to actions involving land.
Response to claim by plaintiff.
Person, company or organization which defends a civil action taken by a plaintiff and against whom the court is asked to order damages or corrective action to redress some unlawful or improper action alleged by the plaintiff. Also a person charged with a criminal offence.
Person who swears an affidavit or deposition.
A badly drafted lease. If this is serious, the vendor may have to obtain a “deed of variation” getting
the freeholder’s permission to change the original terms of the lease.
Persons born of, or from children of, another. Grandchildren are descendants of their grandparents, as children are descendants of their natural parents. The law distinguishes between collateral descendants, such as nephews and nieces, and lineal descendants, such as sons and daughters.
Transfer or conveyance of real property by will. The person who receives such property is called the devisee.
Independent official who decides whether to prosecute in criminal cases and in whose name all criminal prosecutions are taken.
A deed which is used to alter or vary the original document by agreement.
Sworn disclosure of documents and records. Certain types of document which are "privileged" need not be discovered, but they must be identified to the other side.
These are fees paid by the buyer’s solicitor on the buyer’s behalf, such as stamp duty, land registry fees, and search fees.
Lowest court in the Irish judicial system, with power to award damages up to €6,350 in civil cases.
This is a sum of money required from the buyer when he enters into an enforceable agreement.
This is usually on the signing of the contract, and can be between 5 and 10 per cent of the
purchase price or one months rent if it is a letting.
Judge of the District Court
These refer to disrepair or damage done to a rented property.
A window which projects outwards from a pitched roof.
Proportionate distribution of profits made by a company in the form of a money payment to shareholders. Dividends are declared by the board of directors at the annual general meeting. The shareholders decide the dividend at the meeting, but it must not exceed the directors' recommendation.
This is a preliminary unconfirmed version of the contract, prepared by the vendor’s solicitor.
A sheet of polythene or other impervious material incorporated in a solid floor to prevent rising
damp.
A person's fixed and permanent residence; a place to which, even if he is temporarily absent, he intends to return. Legally, a person may have many residences or several nationalities, but only one domicile.
This is a method of finishing to walls whereby they are lined with plasterboard rather than layers of wet plaster based coats. After which, a thin finishing coat of plaster is then applied. This method of finishing an interior wall ensures that the plaster dries significantly quicker (hence the name).
Property or land that benefits from, or has the advantage of, an easement, such as a right of way.
(Latin: gift due to death) Gift made by a dying person with the intent that the person receiving the gift shall keep it if the donor dies from his existing complaint. Such a gift is excluded from the estate of the deceased, as the property is automatically conveyed on the donor's death.
The original meaning refers to an auction in reverse, where an offer price is announced and the auctioneer
gradually reduces it until a bid is made. However this meaning has been lost, and a Dutch auction now refers to the informal bidding that takes place when two or more potential buyers are outbidding each other for a property.
Beneficiary of a trust or person given a power of appointment.
Person who gives property for the benefit of another, usually through a trust. Sometimes referred to as a "settlor." Also used to describe the person who signs a power of attorney.
(Latin: bring with you) Type of subpoena which requires a person to appear before a court with specified documents or other evidence.
Threats or force preventing - or forcing - a person to act other than in accordance with free will. A contract signed under duress is voidable at the option of the person forced to sign it. Duress may invalidate a marriage.
A right over a neighbour's land or waterway. An easement is a type of servitude. For every easement, there is a dominant and a servient tenement, or piece of land . Rights-of-way are the most common easements, but others include the right to tunnel under another's land, to emit smoke or fumes, to access a dock and to use a well. An easement that is not used for a long time may be lost.
Wages, benefits or profits received as compensation for holding office or employment.
Writing on a document. With a bill of exchange, an endorsement is a signature on the back of the bill by which the person to whom the note is payable transfers the right of payment to the bearer or to a specific person. An endorsement may restrict payment to one person only, and prohibit any further endorsements. Endorsement of claim
Concise summary of the facts supporting a legal claim.
Transfer of money or property (usually as a gift) to a charitable organisation for a specific purpose, such as research or a scholarship.
A liability imposed on the owner of a property, which is then binding on subsequent owners.
The underneath section of a roof overhang.
Deeds are usually drawn up in draft form for approval by each party’s solicitors. When the deeds
are approved, sometimes after amendments, the final drafts are then engrossed for all parties to
sign.
These are not as popular as they were, and involve both building society and an insurance
company. Repayments to the building society are in respect of interest only.
The capital sum
outstanding remains constant throughout the term, and is repaid by means of an endowment policy taken out with the insurance company when the policy matures or in the event of death of the policy holders.
The law of equity developed to temper the rigid interpretation given by medieval English judges to the common law. For hundreds of years, there were separate courts in Ireland for common law and equity (known as courts of Chancery). Where decisions conflicted, equity prevailed. In 1877, the two systems were merged. The principles of equity, based on fairness, include "equity will not suffer a wrong to be without a remedy" and "equity looks on the intent, rather than the form".
The difference between the value of a property and the amount of mortgage owed.
Rule of evidence which prevents a person from relying on facts when, by deed, word or action, he has led another person to act to his detriment on those facts. Estoppel is a defence, not a cause of action. Anyone who wishes to rely on the defence of estoppel to defend an action must plead it.
Testimony of witnesses at a trial, or the production of documents or other materials to prove or disprove a set of facts. Evidence may be direct or circumstantial (that is evidence from which a fact may be presumed). The best evidence available - such as original, rather than copy, documents - must generally be presented to a court.
A term given to a right which someone may enjoy over another property. These can be rights of
way, drainage rights, or more likely access to a neighbour’s land in order to carry out repairs to their own property.
Questioning of witnesses under oath by the party who called those witnesses (also called direct examination). After the examination-in-chief, the other side's lawyer may question the witnesses in cross-examination. Thereafter, the first party may re-examine them, but only about issues raised during the cross-examination.
Person appointed by a testator to administer a will. The executor is a personal representative whose duties include burying the dead, proving the will, collecting in the estate, paying any due debts and distributing the balance according to the wishes of the deceased.
Document or object shown to a judge or jury as evidence in a trial. Each exhibit is given a number or letter as it is introduced, for future reference during the trial.
Trust specifically created by a settlor, usually in a document such as a will, although it can be oral. An express trust which deals with land must be in writing.
Freehold estate in land, the most extensive tenure allowed under the feudal system. A person who owns a fee simple estate may sell it, convey it by will or it may be transferred to an heir if the owner dies without leaving a will. For a fee simple estate to be conveyed in a will, the proper words of limitation must be used: either "To X in fee simple" or "To X and his heirs".
Thin sheets of lead or similar material used to form a waterproof join at the point where two
structures of differing angles meet, normally on a roof.
A price one would expect to obtain for a property on the open market without delay, assuming that
a normal or reasonable amount of time is not available in which to market that property.
Person (such as a trustee, company director or executor) who exercises rights and powers for the benefit of another person, but without being under the control of that person. A fiduciary must not allow any conflict of interest to affect his duties and would not normally be allowed to profit from his position.
Person who owns freehold property rights.
The front boundary of a property.
Forfeiture of a right of redemption on a property (generally when someone fails to pay a mortgage). Even if there has been no payment, the borrower normally retains a equitable right of redemption if he can raise the money to exercise the right. To clear the title of this potential right, a lender can apply to court for a date to be set, by which the entire amount becomes payable. If payment is not made, the property belongs entirely to the lender, who is then free to go into possession or to sell it.
Dishonest conduct designed to persuade another person to give something of value by lying, repeating something that is or ought to have been known by the fraudulent party to be false or suspect, or by concealing a relevant fact from the other party. Fraud allows a court to void a contract or to set aside a judgment, and can result in criminal liability. A person who defrauds creditors of a company may be held personally liable.
Right to the full use of real property for ever (as opposed to leaseholds or tenancies, which allow possession only for a limited time).
All non-structural items included in the purchase of a property.
This is similar to gazumping, except on this occasion it is the purchaser reducing his offer prior to
exchange of contracts. It probably goes without saying that gazumping is more prevalent in an active market, and gazundering in a slow market.
A mortgage lender may require a borrower to appoint a guarantor. This is someone who promises
to pay the borrower’s debt if the borrower defaults, could for example be a parent taking personal
responsibility should their child default on payments.
Surveys and maps the features of the earth's surface for a wide variety of purposes. Activities extend to mapping large and sometimes remote areas of the world or the seabed for oil exploration, engineering construction, port development, etc.
Person who owes a third party a debt which is attached by court order for the benefit of a judgment creditor.
In the event of two people wishing to purchase the same property, one buyer may offer more than
the other to tempt the seller into proceeding with him. This is despite the fact that the seller may
have already accepted the other buyer’s offer, subject to contract.
When a person lets land to another and he then subsequently builds on the land, the rent passing is in respect of the land only and is therefore known as ground rent. The creation of Ground rents has been prohibited in Ireland.
This is the side wall of a house when it extends upwards into the inverted “V” of a pitched roof.
Intangible business asset based on the good reputation of a business and resulting attraction and confidence of repeat customers and connections. Part of the sale price of a business may be for goodwill, in which case the seller may not solicit former customers for his new business.
Act or omission in reckless disregard of the consequences for the safety or property of another; more than simple carelessness or neglect. Gross negligence by an employee may justify summary dismissal.
Person who pledges collateral for another's contract.
A small water storage tank normally placed in a roof, which is required to replace water lost in a hot water system due to expansion.
Court above the Circuit Court with full jurisdiction to decide all matters of law and fact.
This is a survey report which is not as detailed as a full structural survey and is carried out by a chartered surveyor.
Independent Financial Advisor.
Court order that forbids a party to do something (prohibitory injunction) or compels him to do something (mandatory injunction). It may be enforced by committal to prison for contempt.
An interest only mortgage stays the same throughout the mortgage term. When choosing an
interest only mortgage, the purchaser is responsible for ensuring that they have sufficient funds available to repay the mortgage at the end of the term.
Requires competing buyers to submit their best bids by a specific time and date. It is not a legally binding contract.
Person not able to pay his debts as they become due. Insolvency is a prerequisite for bankruptcy.
An injunction which lasts only until the end of the trial during which the order was sought, when it may be replaced by a permanent injunction.
Person who dies without having made a will.
A list describing the condition of furnishings and the contents of a leased property at the start and end of a tenancy, in order that any dilapidations during the tenancy can then be identified.
Either side of a window or door opening.
The appointment of two estate agents to act jointly in the sale of a property. Normally the
commission is shared between both agents irrespective of who introduced the buyer, although generally a slightly higher percentage is awarded to the introducing agent. In a multiple agency, where several agents are involved, the commission is payable solely to the agent who introduces the buyer.
Liability of more than one person, under which each may be sued for the entire amount of damages due by all. The obligation may arise by agreement or may be imposed by law.
Ownership of property by two or more people with a right of survivorship. If one owner dies, his share passes to the surviving owners so that, eventually, the entire property is held by one person. A valid joint tenancy requires the four unities: unity of interest (each joint tenant must have an identical interest, including equality of duration and extent), unity of title (the interests must arise from the same document), unity of possession (each joint tenant must have an equal right to occupy the entire property) and unity of time (the interests must have arisen at the same time). Married couples and trustees are frequently joint tenants. (Contrast with tenancy-in-common.)
Proceedings in which a court is asked to rule on a decision of an administrative body or quasi-judicial tribunal. Judicial review is not usually limited to errors in law but may be based on alleged errors on findings of fact or unfair procedures. Judicial review proceedings may not be brought in the area of private law where the disputed decision is a matter of contract or agreement between two sides.
Barrister who has not "taken silk" or been called to the Inner Bar.
Power of a judge or court to act, limited by a defined territory (the jurisdiction of the District Court is restricted to offences committed in that district), by the type of case (the jurisdiction of a criminal court is limited to criminal cases) or to certain persons
Owner of a building or land who leases the land, building or part thereof, to another person, who is called the tenant or lessee.
Contract between a property owner and another person for temporary use of property, in exchange for rent.
A legal document by which the freehold or leasehold owner of a property lets the premises to another party for a specific length of time, after which point it may revert to the freeholder or superior leaseholder.
Government scheme providing advice or assistance from a solicitor or barrister free or at a reduced rate.
A person who grants the lease (i.e. the landlord).
A lessee is a person who holds a lease (i.e. the tenant).
Confidential communications between a lawyer and client may not be revealed in court unless the client, expressly or impliedly, waives the privilege. The communications must relate to court proceedings or intended litigation.
Any legal obligation or duty, now or in the future. A person who is liable for a debt or wrongful act is the person responsible for paying the debt or compensating for the wrongful act. If a court finds a person to be contributorily liable, he will bear part of the responsibility for the act or omission.
A search made at the local council office by a buyer’s solicitor to check whether or not the property is affected by such matters as any outstanding enforcement or future development issues which might affect the property, or the immediate surrounding area.
Permission to do something on or with someone else's property which, if it were not for the licence, could be legally prevented or could give rise to an action in tort or trespass. A common example is allowing a person to cross the licensor's lands, which would otherwise constitute trespass. Licences, unlike easements, may be revoked at will, unless supported by some form of payment or consideration. Licences which are not based on a contract and which are fully revocable are called simple or bare licences.
A horizontal beam above a door or window opening, used to support the brickwork above. These could be made of either timber, concrete or steel.
Right to hold property which has been sold, but not finally paid for. It may involve possession of the object until the debt is paid or the lien may be registered against the object (especially land). Ultimately, a lien can be enforced by a court sale of the property to which it is attached, and the debt is paid out of the proceeds of sale.
A building which is listed as being of special historical or architectural interest, which cannot then bedemolished or altered without local government consent.
Right of a tenant to use land during his lifetime. The estate reverts to the grantor (or some other person) on the death of the life tenant. A property right which lasts until the life tenant dies is called an estate pur sa vie (French:for his life). If it is for the duration of the life of a third party, it is called an estate pur autre vie (French: for another's life). The life tenant is not allowed permanently to change the land or structures on it.
Payable to the Land Registry to register ownership of a property.
Beneficiary of a life estate.
The Statute of Limitations sets down times within which proceedings must be brought. If no action is taken within the prescribed time limits, any future action is said to be statute-barred. In negligence claims, where there is no personal injury, the limit is six years. Where there is personal injury, the limit is three years. In a fatal injury case, it's three years from the date of death. In a claim involving breach of a simple contract (not under seal), the limit is six years. With personal injury arising from breach of contract, it's three years (or three years from the date of death). With a specialty contract (under seal), the period's 12 years, as it is for actions involving land. The maximum period for recovery of arrears of tax or rent is six years.
Sale of all the assets of a company or partnership by a liquidator and use of the proceeds to pay off creditors. Any money left over is distributed among shareholders or partners according to their interests or rights.
(Latin - pending action) Registration of a pending action against the owner of land. It does not bind any subsequent purchaser of the land until a memorandum is registered in court.
(Latin - place of standing) Person's right to take an action or be heard by a court.
Form of alternative dispute resolution involving an agreed mediator acting as a facilitator to help the parties negotiate an agreement. The mediator does not adjudicate on the issues or force a compromise; only the parties involved can resolve the dispute. The result of a successful mediation is called a settlement.
An insurance policy that a mortgage lender may require the purchaser to pay if their loan is above a specified amount of the purchase price.
An expert in the economics and practice of mineral surveying, including the valuation and preparation of plans for the exploration and exploitation of minerals.
The cost of repairing and maintaining external and / or internal communal parts of a building, which are then charged to the tenant or leaseholder.
An interest given on land, in writing, to guarantee the payment of a debt or the execution of some action. It automatically becomes void when the debt is paid or the action is executed. The person lending the money and receiving the mortgage is called the mortgagee; the person who concedes a mortgage as security upon his property is called a mortgagor. The three types of mortgage are a legal mortgage (involving a transfer of the legal interest in the property), an equitable mortgage (by depositing the title deeds) and a judgment mortgage (following a court judgment).
The recipient of the mortgage.
The lender of a mortgage i.e. a bank or building society.
The upright dividing section of a window.
Carelessness. A person who owes a duty of care to someone else and breaches it by lack of reasonable care may be liable in damages for negligence. The negligence may involve a positive deed or a failure to act. If no damage results, there can be no action. The standard of care required is usually that of the reasonable man, but a person who claims to have special skills (such as a surgeon) owes a higher duty of care.
Occurs when the value of a property falls to less than the outstanding mortgage, so that despite having sold the property the owner will have a continuing debt.
Person's nearest blood relation. The expression has come to describe those persons most closely related to a dead person and therefore due to inherit his property if there is no will.
A vertical post into which the side sections of a staircase are fixed.
Substantial unlawful use of one's property or interference with another's property to the extent of unreasonable annoyance or inconvenience to a neighbour or to the public. Private nuisance might be caused by smells, noise, smoke, dust, fumes, vermin, obstruction or a wide range of other activities or inactivity. The remedies would include abatement (an order to cease the nuisance), damages and/or an injunction.
Formal written direction by a judge. Once a final order is made, it may only be amended if there has been an accidental slip in the judgment.
The price a property should achieve when there is a willing buyer and a willing seller.
Agreement between two litigants to settle a matter privately before a court has heard the matter or given its decision. Most personal injuries cases settle before reaching court.
Division of jointly-owned land or property between the respective owners.
Two or more persons carrying on a business together. Partners are each fully liable for all the debts of the enterprise but they also share the profits exclusively. Their rights are regulated by their partnership agreement.
Deliberate lie under oath or in a sworn affidavit.
Forever, of unlimited duration. The law is biased against things that are to last in perpetuity because they may hinder commerce by impeding the circulation of property. The rule against perpetuities says that a limitation of any interest in land is void if it can vest outside the perpetuity period, which is a life plus 21 years. For example, if a will proposes the transfer of an estate at some uncertain future date, which is either more than 21 years after the death of the testator or more than 21 years after the life of a person identified in the will, the transfer is void.
Person who administers the estate of a deceased person. Where a person dies without a will, the court appoints an administrator. A personal representative named in a will is called an executor.
Person who brings a case to court. (Also called the petitioner or applicant.) The person being sued is generally called the defendant or respondent.
Written allegations or claims delivered by one claimant to another which formally set out the facts and legal arguments supporting his position. High Court pleadings might include an originating summons, statement of claim, defence, counterclaim and reply - or a petition and answer.
The wall which projects above the level of the roof.
Document under seal which gives a person the right to make binding decisions for another, as an agent. A power of attorney may be specific to a certain kind of decision or general, in which the agent makes all major decisions for the subject of the power of attorney.
A wall which separates the properties of two adjoining owners, each of whom have certain rights over the wall.
A document granting power to some person to act in the name of another. Normally left with a solicitor to enable a purchase to proceed in the absence of either the vendor or purchaser.
A document which is issued by a court to an executor, to show that the will of a deceased has been proved and that the executor can distribute the assets.
Insurance which covers injury to, or death of anyone on or around a property.
A horizontal beam used in roof construction and placed at right angles to the rafters or trusses.
A property kept for temporary, secondary, or occasional occupation.
Specialising in all aspects of urban and rural planning, they are mainly employed by companies/organisations that carry out major urban and industrial development.
A nominal rent where the landlord does not receive an annual payment in cash. When the owner of land or property wishes to grant a lease, he must charge a rent as an acknowledgement of the existence of the lease. Where the owner does not want to charge any rent but simply wishes to establish the lease exists, he can ask for a peppercorn each year as a token payment. In practice, this is not generally handed over!
Court judgment which is cited as an authority in a later case involving similar facts. Precedent cannot bind a higher court (for example, a Circuit Court decision cannot bind a High Court judge). A Supreme Court judgment binds all courts - although it does not bind the Supreme Court itself in future cases. The system of precedent forms the basis of the policy of stare decisis which helps litigants to predict the outcome of a case in a given situation.
Special legal right such as a benefit, exemption, power or immunity. One example is the right of the media to publish contemporaneous reports of court proceedings without fear of an action for defamation, even if the matters published would ordinarily constitute libel.
These are enquiries made by the purchaser’s solicitors, requesting information on a property prior to exchange.
That part of the law which regulates wills and other subjects related to the distribution of a deceased person's estate.
An obligation restricting the use of land which is binding on subsequent owners, for example not allowed to keep animals on the premises, or a house builder may put a covenant on a property forbidding extension without his approval.
Property is commonly thought of as something which belongs to a person and over which he has total control. But it is more correctly defined as a collection of legal rights over a thing. These rights are usually enforceable by the owner or the State against others. The most common classifications of property are between real or immovable property (such as land or buildings) and chattels or personal property (such as stock or a leasehold), and between public property (belonging to everybody or to the State) and private property.
Special, exceptional damages ordered by a court where an act or omission was of a particularly serious, extensive or malicious nature. (Normally damages are awarded to compensate, not to punish.) Also known as exemplary damages.
Advises building owners and architects on the probable cost of construction schemes and on the costs of alternative designs. Sometimes known as "construction cost consultants", they act as project managers and prepare cost plans which enable the design team to arrive at practical designs to stay within budget.
Latin - amount or extent.
The Royal Institution of Chartered Surveyors. (UK)
Immovable property such as land, buildings or an object that, though at one time a chattel, has become permanently affixed to land or a building.
Concerned with the management of agricultural land, including forestry. Work includes the valuation, sale and management of rural property.
Repayment of a mortgage, so the equitable estate of the lender and the legal estate of the borrower merge in the mortgagor.Real property: Immovable property such as land, buildings or an object that, though at one time a chattel, has become permanently affixed to land or a building.
Money or other consideration paid by a tenant to a landlord in exchange for the exclusive possession and use of land, buildings or part of a building. Under normal circumstances, rent is paid at regular agreed intervals, but it may be paid in kind or by the provision of services. A peppercorn rent is a nominal sum (perhaps a penny a year) as an acknowledgement of the tenancy.
The holding back of part of the mortgage until repairs or specified works to the property are
satisfactorily completed.
Abrogation or cancellation of a contract, putting the parties in the same position they would have been in, had there been no contract. Rescission can occur because of some defect in the formation of the contract (such as misrepresentation, duress or undue influence) or by agreement of the parties - for example where they reach a new agreement.
Future interest in property retained by a transferor or his heirs (for example, the interest left when the owner of a fee simple grants a life estate in the property).
Rights of owners of land on a river bank. Riparian rights include the right of access to, and use of, the water for domestic purposes (bathing, cleaning and navigating). The owner of the rights may take action to prevent damming, diversion or pollution of the water.
Barrister who has "taken silk" or been called to the Inner Bar.
Temporary confiscation of property by court order until the owner purges his contempt by obeying an earlier court order.
The rights of a landowner over the land of another i.e. rights of light etc.
The pipe which discharges water from a WC to a sewer. This pipe will extend upwards beyond the roof level in order to vent gases from the sewer.
Agreed compromise of proceedings.
The underneath section of a roof overhang, archway etc.
Liability in tort without need to prove wrongful intent, negligence or fault.
A government levy payable by the purchaser of a property based on the purchase price.
When an offer is made to purchase a property subject to contract, it means that all dealings are subject to the actual exchange of the contract itself. Nothing is binding on either seller or buyer until the contracts are exchanged.
Person who takes over the rights or property of another.
Written command to a person to appear in court.
Final court of appeal in Ireland, headed by the Chief Justice. Most appeals are on matters of law or procedure. The Supreme Court will not normally reverse a finding of fact by a lower court, unless the decision was so perverse that no ordinary person could have come to such a finding on the facts presented.
Person who has pledged himself by deed to ensure that another person fulfils an obligation - such as appearing in court or paying back a loan.
Person to whom a landlord grants temporary and exclusive use of land or a building, usually in exchange for rent. The contract for this type of legal arrangement is called a lease.
Tenants-in-common share property rights, but may hold different parts of a piece of land, or unequal shares. On the death of either of them, that person's share does not pass automatically to the surviving tenant but becomes part of the deceased's estate.
This is an arrangement whereby prospective purchasers are invited to submit sealed bids by a previously stated date and time. The moment the offer is accepted by the seller, the arrangement becomes a legally binding contract.
A collective term which relates to the nature of the owners title to a property i.e. is it freehold or leasehold.
Documents showing the legal ownership of a property, which are normally held by a vendor’s
mortgage lender.
Property that could be subject to common law tenure, such as land, buildings or apartments. In relation to business tenants, a tenement is a defined portion of a building held by the occupier on a tenancy and not dependent on the continued employment of the tenant.
Right to hold or occupy land or a position for a certain amount of time.
Person who dies after making a valid will.
Non-contractual breach of duty which allows the injured person to claim compensation (or damages) from the tortfeasor. Torts include wrongs such as negligence, nuisance, defamation, false imprisonment and trespass.
A Land Registry document that transfers the ownership of a property on completion in registered land transactions.
Unlawful interference with another person or his property or rights. Trespass is a civil, not a criminal, offence and is actionable without proof of any actual damage.
Property given by a donor or settlor to a trustee, for the benefit of another person (the beneficiary or donee). A trustee manages and administers the property. A will is a form of trust but a trust can be formed during the lifetime of the settlor, in which case it is called an inter vivos or living trust.
Person who holds property rights for the benefit of another through the legal mechanism of the trust. A trustee usually has full management and administration rights over the property, which must be exercised to the advantage of the beneficiary. All profits from the trust go to the beneficiary, although the trustee is entitled to recover administrative costs.
Status of a property indicating that an offer has been made and accepted for a property, subject to contract.
When existing foundations to a building are inadequate, additional strengthening will be added below the existing foundations.
A basic rate of interest charged on a mortgage. This may change in relation to market conditions – in other words, monthly payments could either go up or down.
Referring to the seller or person who sells property or land.
Also known as "general practice surveyors", they are mainly concerned with estate agency, valuation, development and property management.
Renunciation of a right or benefit. Waivers are not always in writing. Sometimes actions can be interpreted as a waiver.
Rights of way granted to enable obligations and duties to be fulfilled by the electricity board,
telephone company etc to allow them to maintain pipelines and cables.