How To Sell Your House When Separating Or Divorced

  • Though there are circumstances in which you may be forced to sell the house in a divorce, it can often be avoided.  
  • If you want to sell your family house due to divorce and your partner doesn’t, or the other way around, one partner can apply for a court order for an Action of Division and Sale. 
  • If one partner or the other wants to force the sale of a home when divorced, they have to obtain an Order for Sale from the court. 
  • Having a joint mortgage is common and fortunately there are several ways this can be dealt with in a split or divorce. 

In This Article

Selling your house is complicated enough at the best of times, but how do you deal with the question of selling when your relationship has ended and you face separation or divorce?
Divorce or separation often create a number of financial issues which normally have to be solved through legal processes. Dealing with the marital property in a split is one of the main problems. Usually, the family home is the most valuable asset involved in marital property, and it’s often complicated deciding how to deal with it. If you are selling a house due to a divorce, it’s important for both members of a couple to know your legal rights, so your first step should be to consult a lawyer.

Do You Have To Sell Your House When Divorced?

The first question is whether you have to sell the house in a divorce. If the house is subject to a mortgage, you need to contact your mortgage provider immediately to inform them of the split.

Whether you are paying the mortgage on the marital property, or your ex- is contributing to payments, the payments must still be made until the mortgage is paid off or you remove your name from it.

If your name isn’t on the deeds of the marital property, to protect your rights you should register your interest with a lawyer using a Matrimonial Home Rights Notice1.

Can You Be Forced To Sell Your House In A Divorce?

Though there are circumstances in which you may be forced to sell the house in a divorce, there may be ways to avoid this depending on your situation.

  • If there’s a requirement to get cash quickly, perhaps as part of a settlement agreement, it is possible that the house will have to be sold immediately
  • Alternatives include one party (the ‘in-spouse’) buying out the other’s interest in the property (the ‘out-spouse’), allowing them to retain the property. This is often desirable to maintain continuity of residence when children are involved.
  • In many cases neither party can afford to buy out the other, or they cannot agree on the value of the house. If this is the case one party can re-mortgage the property and use the funds to buy out the other partner.
  • If that’s not possible, the only way to resolve the issue is to sell the house for whatever it will reach on the open market. The net equity realised from the sale can then be divided.

If both parties are agreeable, it’s also possible for them both to retain ownership rights of the property until market conditions are ideal, or perhaps when the children are grown.

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Can You Sell A House If One Partner Refuses?

If you want to sell your family house due to divorce and your partner doesn’t, or the other way around, one partner can apply for a court order for an Action of Division and Sale under the Trusts of Land and Appointment of Trustees Act 19962 (laws differ in Scotland and Northern Ireland).

Bear in mind though that the other half of the couple has rights to apply for a court order for a division of the proceeds, or to buy the house at a fair market price, or for a price dictated by the court.

If one person is owner of the property and the other withholds permission to sell, the court can allow the sale only under particular circumstances, such as if one or other partner cannot sign an agreement for medical reasons, cannot be located, or if the court believes permission is being withheld unreasonably.

Who Can Sell Your House When Divorced?

If one partner or the other wants to force the sale of a home when divorced, they have to obtain an Order for Sale3 from the court. This requires the other partner to provide a good reason for being unwilling to sell. If none is provided the court will decide the value of the shares in the house for each partner.

Aspects to be taken into consideration will include:

  1. Whether the mortgage has been paid off, or
  2. Whether the property is in negative equity
  3. Whether there are children involved, and
  4. Whether both parties can afford to buy new homes.

It’s important to remember that even after a split, both partners may retain rights during the divorce proceedings. Any violation of these rights may result in a Court Order for Occupation4 being taken out, so you may have to leave the home even if you are the owner.

A lawyer’s advice would be that it is never a good idea to force a sale as there may be serious legal and financial consequences.

Who Gets The House In A Divorce When Children Are Involved?

There’s no hard and fast rule as to who gets the house in a divorce when children are involved. As in most divorces the family home is the most substantial asset, both parents can have a claim, and any emotional attachment to the property is not as important as the question of how their housing needs and those of the children can be met in the future.

Normally, negotiations regarding family property have to take into account other factors such as:

  • Income of both parties
  • Earning capacity of both parties
  • Maintenance of standard of living of both parties
  • Pension provision
  • Duration of the marriage
  • Age of each party
  • Marital conduct of each party
  • The main consideration, welfare of the children (if they have not reached the age of 18).

The court will always try to achieve a stable home life for the children, and it’s usually thought that this is easiest if they live in owned accommodation. But of course this depends on individual circumstances and whether this is affordable.

All the factors the court has to take into account are covered in Section 25 of the Matrimonial Causes Act 1973.5

Check Out Our “What Happens To House Prices In A Recession?” Guide.


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How Is a House Sale Divided In A Divorce?

The best way to decide how a house sale should be divided in a divorce is between the two partners, in the same way that other jointly owner marital property should be divided. Though it’s wise to consult a lawyer, if you can avoid going to court it will benefit both parties.

But if you can’t come to an agreement about selling the house, the court will have to decide how the assets are divided.

The basic principle will be a 50:50 split between the couple, unless requested otherwise, but of course this could be affected by many issues, most significantly whether there are any children involved. In some cases it may be that there is more than one property involved, and here the decision may be to divide the properties between the couple and balance out the difference with other assets.

In all cases you should seek the service of a solicitor to make sure that your agreements are legally sound.

What If You Have A Joint Mortgage?

Having a joint mortgage is common, but fortunately there are several ways this can be dealt with in a split.

You must talk to your mortgage lender before you make any decisions, but here are the basic options:

  • PAY OFF. If you are near the end of the mortgage payments, it might make sense for both partners to continue to pay until it’s paid off, and the house can be sold and the profits split.
  • Sell the house, pay off the mortgage, and split the remainder. If you are in negative equity, where the outstanding mortgage is more than the value of your home, you will have to share the debt.
  • BUY OUT. One partner can buy out the other’s share of the mortgage. You may need to borrow money to do this, in which case you will have to prove to the lender that you can afford to repay the entire mortgage. If necessary a guarantor mortgage can be used, where someone agrees to cover the repayment cost if you can’t.
  • One partner could transfer part of the share of the property to the other. In this case the smaller stakeholder would be entitled to a percentage of the value if the house is sold.
  • COURT ORDER. In England and Wales, a Mesher Order6 can be made by a family court, usually to protect the right of one partner to stay in the house and prevent it house being sold until children turn 18, or a Martin Order7 can be made to protect one partner’s right to stay in the house until that person chooses to move out, remarries or dies. This sort of order can normally only be made if the other partner does not immediately need money from the sale of the house.

In all cases you should take legal advice before coming to any decisions, as some of these options have implications which may cause financial problems in the future if not taken into account.

What If You Want To Sell Your House Quickly During A Divorce?

If you are looking to sell your house quickly having recently separated or divorced then why not get in touch with Sell House Quick Now. At Sell House Quick Now we promise to buy any home, no matter the condition or circumstances. We pay in cash and often complete house sales in as little as 7 days, enabling you to sell as quickly as possible. You can get in touch with us today by using our contact form or by calling us on 0207 459 4546 and a member of our helpful team will be happy to assist and guide you.

* With SellHouseQuickNow.co.uk, you can get your house valuation quickly, and complete on your house sale fast with no fees.

* Sell House Quick Now is the cheapest way to sell your property, avoiding costs such as agents’ fees, estate agents’ charges, solicitors’ fees, clearance costs, utility charges, mortgage payments and cosmetic repair costs.

* The best part is that selling to Sell House Quick Now is fast – within days, compared to six months or more selling through estate agents.

  1. “Notice of home rights: registration (HR1)”. https://www.gov.uk/government/publications/notice-of-home-rights-registration-hr1.Last accessed 23rd Jun 2020.
  2. “Trusts of Land and Appointment of Trustees Act 1996”. http://www.legislation.gov.uk/ukpga/1996/47/section/14.Last accessed 23rd Jun 2020.
  3. “Part 73 – Charging Orders, Stop Orders and Stop Notices”. https://www.justice.gov.uk/courts/procedure-rules/civil/rules/part73.Last accessed 23rd Jun 2020.
  4. “Form FL401: Ask the court to make a non-molestation order or an occupation order”. https://www.gov.uk/government/publications/form-fl401-application-for-a-non-molestation-order-occupation-order.Last accessed 23rd Jun 2020.
  5. “Matrimonial Causes Act 1973”. http://www.legislation.gov.uk/ukpga/1973/18/section/25. Last accessed 23rd Jun 2020.
  6. “What is a Mesher Order?”. https://www.lawble.co.uk/mesher-order/. Last accessed 23rd Jun 2020.
  7. “Martin Orders – How are they different from Mesher orders”. https://divorceformsonline.co.uk/martin-orders/.Last accessed 23rd Jun 2020.


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What Happens To House Prices In A Recession?

  • It’s natural for house prices to deteriorate during a recession, just look at what happened during the 2008 financial crisis or the early 1990s recession. 
  • It is expected that we will be hit by a recession before the end of 2020 or early next year due to the Coronavirus Pandemic.  
  • A good time to sell a property is before a recession, if you can anticipate when that will be.  
  • Experts predict that people will choose to continue renting, or even living at home, rather than buy during a recession, so what buyers there are will be able to push property prices down. 

In This Article

It’s natural for homeowners, potential sellers and buyers to ask what will happen to house prices in a recession. With the coronavirus pandemic apparently coming to an end, can we anticipate a housing market crash?
The effects of a recession on the housing market are fairly predictable, but should you sell your house before a recession? Will it be a deep recession, like the 2008 deep recession? What kind of recession will it be – a property recession, an economic recession, financial recession or business recession?
Unfortunately, it’s too early to say how house prices will be affected by a recession. The problem is a lack of new pricing information, without which it’s difficult to predict trends.

What Is A Recession?

One common question is how do we know when we are in a recession? Normally, we can expect the country’s economy to grow, with everyone getting slightly more wealthy as a result of the growth in the value of goods and services reflected in GDP (Gross Domestic Product).1

If that value falls, we start to enter recession, and when this carries on for several quarters it is known as a recession. A particularly bad or long-lasting recession is known as a depression.2

Recession normally leads to a fall in the number of jobs available, reduced pay and lower dividends for shareholders, and a reduction in tax revenue for the government, which then has to cut benefits, public services and public sector wages. All this has an inevitable knock-on effect on the housing market. So are we in a recession yet?

How Does A Recession Effect House Prices?

With most of the western world seeing falling GDP in the first quarter of 2020, and nothing but bad news for retail and manufacturing since, it’s pretty clear that we are already on our way to a recession, which will more than likely be confirmed before the end of the year.

The Office for National Statistics3 announced a fall in UK GDP of two percent from January to March, but 20.4 percent in April, the largest monthly contraction on record. This first full month in the coronavirus lockdown was of course followed by an equally locked down May, and it wasn’t until mid-June that restrictions on estate agents eased, and later in mid-June, non-essential shops were allowed to re-open. It will be some time before we can assess the effects of recession on the housing market, and longer still until it is likely to recover.

The government has tried to shore up the housing market by extending its mortgage holiday for a further three months, so anyone having trouble making their payments will not have to make a repayment until at least September. However, this is unlikely to be enough to have any impact on the inevitability of a recession.

Experts suggest that most of the factors are in place to lead to a market crash later in the year.

  • The number of jobs lost or furloughed suggests that many businesses will close permanently, and rising unemployment is bad for the property market
  • Buying a house is the biggest financial commitment most of us will ever make, and a lack of financial security will make people wary of commitment
  • Only historically low interest rates4 are preventing another deep recession or depression

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When Will The Next Recession Be?

Some economists believe that if the Bank of England continues to put money into the economy, the inevitable result will be a rise in inflation, and a resulting rise in interest rates to try to keep inflation at 2 percent. This will inevitably lead to a collapse in the housing market, because owners will have enough difficulty servicing their current debts without committing to further expenditure.

When the recession ended in the third quarter of 1991, it took five and a quarter years for house prices to recover and exceed the pre-peak high. If recession history teaches us anything, it is that house prices tend to fall when the economy shrinks as a result of falling output, and this has a knock-on effect for unemployment or higher borrowing costs. This may in turn lead to more people being forced to sell because they cannot service debts.

In general terms, the history of the last 50 years shows a positive trend in house prices, but there are some deep lows, and in the short term we can expect lower rates of nominal house price growth compared to the long result.

So if we can expect a dip in house prices towards the end of this year, now may be the best time to sell – we are unlikely to see a big increase in forced sellers in the near term, while mortgage interest rates are at their lowest level ever, and mortgage payment holidays and government support for business means we can’t expect any big movement in house prices just yet.

Checkout Our “How To Sell Your House When Separating Or Divorced” Guide.


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Is A Recession A Good Time To Sell A Property?

A recession isn’t a good time to sell a property – a good time to sell a property is before a recession, If you can anticipate when that will be.

Nobel Prize-winning economist Robert Shiller5 predicted a recession in 2020 even before the coronavirus pandemic, and argues that this will usher in a buyer’s market, not a seller’s.

Shiller predicts that people will choose to continue renting, or even living at home, rather than buy during a recession, so what buyers there are will be able to push property prices down.

American economist Daryl Fairweather says: “Homebuyers have more options and more negotiating power during a recession because there are more people out there trying to sell homes than there are people trying to buy homes when the economy is weak. That’s why dream homes are more likely to retain their value. During a recession, homebuyers won’t have to settle for a condo or a home with fewer bedrooms or only one story. So those less desirable homes will drop in value more than a single-family home with two stories and multiple bedrooms.”

How To Sell Your Property During A Recession

So, the housing market may look tough for sellers in the next recession, but if we look at recession history it will probably not be as deep of a recession as the 2008 recession.

We won’t really know the long-term results until the coronavirus lockdown is fully lifted, the economy is back in gear and we have some sense of the impact on pricing. It seems likely that while government measures continue to support business, price levels will probably remain as they were in March. Any downward pressure on prices could certainly trigger much reduced market activity.

But experts say that there is a large cushion of housing equity to absorb the impact of house price falls, perhaps five times higher than the £1,000 billion odd held in outstanding mortgages. The likelihood of negative equity6 is low while 15 percent deposits are common.

But, as peer-to-peer lending expert Stephen Moss says, “The current state of the market may bring cause for concern to many but at present, it sits in limbo and any impact of the current pandemic will be easily rectified once normality returns.

“However, the real worry is that any prolonged period of national lockdown could bring about a recession and it is at this point the market could begin to struggle.

“We know from market data on previous recessions that such an event will cause property prices to drop and with current market conditions and values most similar to that of the previous recession, this could mean a drop of ten per cent and upwards.

“Not only this, but those taking such a hit will be looking at a lengthy recovery time before their property regains its current value, a recovery that could stretch until 2025 or longer.

“That said, a decline in property values would be the preferable option when you consider that for tens of thousands of homeowners, the reality could be the repossession of their home.”

If you are wondering what your options are when it comes to selling your house quickly during a recession then why not get in touch with Sell House Quick Now. We guarantee to buy any home no matter the circumstances or condition of the property. Give us a call on 0207 459 4546 or use our contact form today to find out more about what options you have when selling a house quickly during a recession…

* With SellHouseQuickNow.co.uk, you can get your house valuation quickly, and complete on your house sale fast with no fees.

* Sell House Quick Now is the cheapest way to sell your property, avoiding costs such as agents’ fees, estate agents’ charges, solicitors’ fees, clearance costs, utility charges, mortgage payments and cosmetic repair costs.

* The best part is that selling to Sell House Quick Now is fast – within days, compared to six months or more selling through estate agents.

Sources

  1. “Gross Domestic Product (GDP)”. https://www.investopedia.com/terms/g/gdp.asp. Last accessed 23rd Jun 2020.
  2. “Depression (economics)”. https://en.wikipedia.org/wiki/Depression_(economics). Last accessed 23rd Jun 2020.
  3. “Gross Domestic Product (GDP)”. https://www.ons.gov.uk/economy/grossdomesticproductgdp. Last accessed 23rd Jun 2020.
  4. “Statistical Interactive Database – Official Bank Rate History”.https://www.bankofengland.co.uk/boeapps/iadb/Repo.asp.Last accessed 23rd Jun 2020.
  5. “Robert J. Shiller”. https://en.wikipedia.org/wiki/Robert_J._Shiller. Last accessed 23rd Jun 2020.

  6. “Negative equity: what it means and what you can do about it”. https://www.moneyadviceservice.org.uk/en/articles/negative-equity-what-it-means-and-what-you-can-do-about-it. Last accessed 23rd Jun 2020.

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How To Sell A House During Coronavirus

  • The government relaxed lockdown restrictions on the housing market on May 13th, making it possible to now resume marketing properties.  
  • Estate agents can now reopen, viewings can be arranged, and conveyancers and removals firms can get back into business. 
  • Social distancing and health and safety rules must be followed and adhered to. 
  • It was estimated that more than 450,000 house moves were put on hold during the height of the Coronavirus Pandemic.  

In This Article

You may be asking yourself how to sell a house during the coronavirus pandemic, but the first question to ask yourself is whether you should try to sell while the disease is still causing real estate market chaos. However quickly we might see a recovery, it may not be advisable to sell your house during lockdown, as data suggests that a fall in house prices is likely to result from the measures needed to protect sellers and buyers from COVID-19. You might ask yourself whether it’s best to wait for the market to recover before trying to sell.
However, if you need to sell your house quick, and can’t wait for the end of lockdown, here are our tips. Bear in mind that as seen in China, the end of the first wave of coronavirus might only lead to a second wave, so you may only have a limited time until another pandemic or lockdown.

Can You Sell A House During The Coronavirus Lockdown?

Since the coronavirus pandemic originating in China1 caused restrictions on movement and the economy all over the world, there has been chaos on the real estate market. However, with the relaxation of lockdown restrictions2 on the housing market on May 13th, it should now be possible to resume marketing properties.

But the coronavirus pandemic isn’t over, and everyone in the property chain has to be aware that things are not entirely back to normal, and precautions must still be taken against spreading the COVID-19 disease.

You must be prepared for the recovery of the property market to be slow, and for the sales process to be equally slow – it may no longer be possible to sell a house fast.

Estate agents can now reopen, viewings can be arranged, and conveyancers and removals firms can get back into business. However, social distancing and health and safety rules must be followed and adhered to.3

Should You Sell A House During The Coronavirus Lockdown?

It’s been estimated that since the coronavirus lockdown started in March 2020, more than 450,000 house moves have been put on hold. But both buyer and renters should now be able to resume the process if suitable precautions are taken.

It’s difficult to say how much the property market may have been affected by the shutdown until more data is available. It’s possible that after a brief fall property prices will bounce back quickly4, but there could be a long-term depressive effect also.

It will take some time until the whole property chain, from architects to surveyors to builders will be in full recovery. Until the lockdown is completely lifted there may also be difficulties in finding trades and service people such as cleaners and movers.

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Will Coronavirus Affect The Sale Of Your Home?

Estate agents are suggesting that buyers, sellers and tenants have been fairly quick to return to the market, but interest in homes for sale is understandably below that reported at the same time last year. On the day sales listing resumed, numbers were down by 65 percent on the same time last year, though by the end of May one London agent reported some recovery, with enquiries down only seven percent.

The question is whether lockdown will affect valuations and prices in the long term. At the moment, valuers have little to go on except March values, and a lack of supply may be keeping prices steady. But it may be some time before it becomes clear what the long-term effects of the lockdown period will be.

What Are Some Of The Problems With Buying Or Selling A Property During The Coronavirus Lockdown?

While the property selling process can now resume, it will by no means be ‘business as usual’ until the pandemic is completely over. The government has called on “all parties involved to be as flexible as possible over this period and be prepared to delay moves, for example if someone becomes ill with coronavirus during the moving process or has to self-isolate.”5 If you are hoping to sell your house fast, you may have to adjust your expectations.

While some processes like photographing properties are becoming normalised, issues remain around viewings, which have to conform to social distancing guidelines. For instance, the majority of property searches may now be done online rather than through estate agents offices, and viewings have to be arranged with safety in mind, for instance:

  • Open house viewings should not take place
  • Viewings should be by appointment only with the minimum of people involved.
  • Viewers should all be from the same household.
  • No-one showing any coronavirus symptoms should be involved with viewings.
  • When physically viewing properties you should avoid touching surfaces, bring your own hand sanitiser, wash hands regularly and clean surfaces and handles afterwards.
  • If children are present get them to wash their hands and avoid touching surfaces
  • Open internal doors before viewing to minimise contact
  • Ideally a property should be vacant when viewed
  • Social distancing guidelines should be observed throughout the viewing process
  • Anyone involved in any aspect of the home moving process should practice social distancing in line with public health advice.
  • Follow-up visits for purposes such as measuring up or electrical or plumbing inspection should follow the same guidelines

Another problem which may affect the property sales process is the possibility of delays should anyone involved have to self-isolate due to having symptoms of the disease.

Though you can make or accept an offer or reserve a property as normal, allow for the risk of delay and ask for legal advice to make sure that any contracts or agreements you undertake are flexible as to time.

Checkout Our “How To Sell Your House When Separating Or Divorced” Guide.


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What Should You Do If Your House Is Still For Sale During The Coronavirus Lockdown?

While it’s difficult to say at this early stage how much the coronavirus pandemic may affect property prices in the long term, equally important will be the changes in the housing market brought about by post-pandemic trends.

For instance, many people who have been forced to work at home may decide that it has its advantages, and they may wish to continue benefitting from a reduced commute. Home working space, good wi-fi, and a garden big enough to create a home working outbuilding may become a priority.

While surveyors can return to work, the market may slow down as they will have to cope with certain restrictions7, such as:

  • Surveyors should not enter a property where a member of the household is showing symptoms of coronavirus or self-isolating.
  • Inspections to take place by appointment only, with one person visiting the property at any time. Surveyors should follow government guidance for professionals working in other people’s homes and guidance on social distancing.
  • If your home is being surveyed, you should ensure the surveyor has access to all the parts of the property they need to inspect, and make efforts to minimise contact with the surveyor, for example by staying in another room whilst they are inspecting your home.

Much the same applies to removals firms, where government advice is that you should get quotes as early as possible in the moving process, clean items before packing, do as much of the packing as possible yourself, and minimise contact with the removals team. Perhaps the worst news for removal companies is the advice that refreshments should not be provided, although washing and toilet facilities should.

It’s also advisable to employ a deep cleaning company for your home once it’s vacated, and your new home before you move into it.

So though it is a challenge to sell a house during the coronavirus restrictions, it’s not impossible if proper guidelines are followed, and if pent-up demand is to be met and the pandemic conditions recede, it may not be long before the property market is on the way to recovery.

If you would like to find out some more information about the affects the coronavirus pandemic has had on the UK housing market or to enquire about what your options are if you are looking to sell your home, then get in touch with us today. Sell House Quick Now is a leading house buying company who guarantee to buy any home or property for cash, no matter the condition. Sell your house fast during the coronavirus pandemic with Sell House Quick Now today…

* With SellHouseQuickNow.co.uk, you can get your house valuation quickly, and complete on your house sale fast with no fees.

* Sell House Quick Now is the cheapest way to sell your property, avoiding costs such as agents’ fees, estate agents’ charges, solicitors’ fees, clearance costs, utility charges, mortgage payments and cosmetic repair costs.

* The best part is that selling to Sell House Quick Now is fast – within days, compared to six months or more selling through estate agents.

Sources

  1. “How did coronavirus start and where did it come from? Was it really Wuhan’s animal market?”.
    https://www.theguardian.com/world/2020/apr/28/how-did-the-coronavirus-start-where-did-it-come-from-how-did-it-spread-humans-was-it-really-bats-pangolins-wuhan-animal-market. Last accessed 23rd Jun 2020.
  2. “Minister confirms brakes are off the English property market”. lockdown://propertyindustryeye.com/minister-confirms-brakes-are-off-the-english-property-market-lockdown/. Last accessed 23rd Jun 2020.
  3. “Government advice on home moving during the coronavirus (COVID-19) outbreak”.https://www.gov.uk/guidance/government-advice-on-home-moving-during-the-coronavirus-covid-19-outbreak. Last accessed 23rd June 2020.
  4. “Zoopla Cities Index – April 2020”. https://www.zoopla.co.uk/discover/property-news/zoopla-cities-index-april-2020/. Last accessed 23rd June 2020.
  5. “Government advice on home moving during the coronavirus (COVID-19) outbreak”. https://www.gov.uk/guidance/government-advice-on-home-moving-during-the-coronavirus-covid-19-outbreak. Last accessed 23rd June 2020.
  6. “House prices after coronavirus:five-year forecast shows property market could fall as much as 10% this year before rebounding”. https://www.homesandproperty.co.uk/property-news/house-prices-uk-coronavirus-lockdown-a138086.html. Last accessed 23rd June 2020.
  7. “Guidance for professionals, Beyond COVID-19: Reopening Guides”. https://www.rics.org/uk/news-insight/latest-news/coronavirus-and-rics-events/guidance-for-professionals/. Last accessed 23rd June 2020.

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