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Liverpool is currently a city in demand for accommodation which means there’s been a significant increase in developments taking place in the city. Kevin Ross, director at Brown Turner Ross, explains some of the drawbacks of buying an off plan...

With the Labour Party’s proposed plans for a ‘garden tax’, Kevin Ross, director at Brown Turner Ross, explores how this would impact the property market. The tax overhaul plans would see Council Tax replaced with a progressive...

The UK Government is currently moving forward with the Divorce, Dissolution and Separation Bill. The bill has been described as the ‘no-fault divorce law’ and is set to be the biggest change to England’s divorce legislation in 50...

With Liverpool major Joe Anderson having banned developer Countryside from building houses in Liverpool, questions have once again been raised about the complications of buying a leasehold property. In England and Wales it’s not uncommon for...

[H3] Services From Kevin Ross Solicitor

With more than 25 years of experience in the legal sector, Kevin Ross has been involved in a variety of cases. Kevin has a speciality in property law and can help clients with a wide range of issues within this particular legal area.
Kevin Ross Solicitor can help with site acquisition, providing developers with expert legal advice on all the key issues surrounding property development. He can also guide clients through the process of selling plots of land. Kevin has worked with several personal and commercial clients on selling and buying property. He has helped both landlords and clients to draft and negotiate the terms of a lease.
Another service that Kevin Ross Solicitor specialises in the sale and acquisition of a business. These types of transactions can be complex, but Kevin possesses the expertise required to guide the client towards their goals. He also has capability dealing with specialist transactions such as garden centre sales.
Kevin Ross can also provide clients with assistance on buy to let purchases and the right to buy from local authorities or housing associations. He can provide investor clients with a range of specialist services. Kevin also has experience in cases relating to remortgages and equity release.

[H1] Property Law

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[H1] About Kevin Ross

[H2] Experienced Liverpool Solicitor

Kevin Ross is an experienced Liverpool solicitor having qualified for the role in 1998. During Kevin’s early career as a solicitor he joined local firm Malcolm J Ross as a partner. In 2008 the firm merged with a long established Southport law firm called Brown Turner. Following the merger, Kevin became a partner and the firm was therefore renamed Brown Turner Ross. Kevin became a director of Brown Turner Ross in 2011 and has held the position ever since.
Kevin possesses an abundance of experience in dealing with several areas of law, but it’s fair to say he specialises in property law having dealt with this sector for over 25 years. Kevin’s experience as a property lawyer has saw him provide clients with specialist advice on a range of property matters including the full process of a property transaction. Kevin has worked with several commercial clients who have commended his professional expertise and ability to provide specialist advise tailored to their business objectives. It is a particular achievement of his to accept the challenge of achieving the best commercial outcome for business clients.
Whether you are dealing with a business property or looking to buy or sell your home, Kevin Ross is committed to looking after you, the client, and providing an expert level of service you require.
[H2] Specialist Legal Areas

Site acquisition for developers
Plot sale services
Residential sales and purchases
Drafting and negotiating terms of commercial leases (landlord & tenant)
Sales, purchases and mortgages (commercial & residential property)
Business sales and acquisitions
Specialist transactions (e.g. garden centre sales)
Buy to let purchases
Specialist services for investor clients
Right to buy from local authorities or housing associations
Remortgages and equity release

[H2] Personal Background

While Kevin prides himself on working around the clock so that clients achieve their desired results, he enjoys several interests when outside the office. Kevin is a supporter of Liverpool Football Club and has enjoyed watching the Reds at Anfield since the age of 7 when he became a Season Ticket holder. Away from football he likes to play golf when time permits. Kevin considers himself a bit of a foodie and enjoys finding new tastes to discover. He is also a keen traveller and loves to discover new places anywhere in the world.
[H2] Contact Kevin Ross

Would you like to know more about Kevin? Or are you seeking qualified advice within one of Kevin’s specialist legal areas? Kevin can be contacted on the following email address: kevin.ross@brownturnerross.com
You can also follow Kevin on Twitter and Instagram, and connect with him on LinkedIn.

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Property Law
[H1] The Drawbacks of Buying Off Plan Property

19th November 20193 min readProperty Law

Kevin Ross

Summary:
Liverpool is currently a city in demand for accommodation which means there’s been a significant increase in developments taking place in the city. Kevin Ross, director at Brown Turner Ross, explains some of the drawbacks of buying an off plan property. If you were to walk around Liverpool city centre you would see dozens of […]

Liverpool is currently a city in demand for accommodation which means there’s been a significant increase in developments taking place in the city. Kevin Ross, director at Brown Turner Ross, explains some of the drawbacks of buying an off plan property.
If you were to walk around Liverpool city centre you would see dozens of new developments taking place, many of which will offer accommodation featuring contemporary architecture and state of the art facilities. If you are to purchase a property that is not yet built, however, there remains the question about if there is risk involved as opposed to finished properties.
In simple terms, yes there are risks involved. There are several off plan developments which are funded by the buyers of the units with the development. These type of developments required a highly geared deposit payment structure which means that the buyer will be required to pay up to 80% of the purchase price before construction has even finished. In this situation, the buyer is effectively funding the development and this should lead to an appropriate level of discount. The standard deposit to be paid is 10% of the purchase price. The higher the deposit requested by the developer, the greater the risk.
A solicitor will usually be able to ensure that appropriate protections are in place, but it can be impossible to cover every eventuality and the mechanisms required by the developer may make buyers more vulnerable to insolvency. It is often the case that developers build the property under a Special Purpose Vehicle. Should they become insolvent, then the company would be able to fold without any comeback to the company’s directors. There is recent history in Liverpool of developers under performing. When this has happened, the deposit money has not been properly spent and buyers have been left with a broken contract and few options.
Buying an off plan property can be a worthy purchase. There are several developers who build wonderful homes, but you should always look at the company’s history to get an idea of their track record. Before you make a decision, it’s important to seek proper legal advice so that you understand the complete terms and risks that are associated.

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[H6] Kevin Ross

Kevin Ross is a specialist Property Law solicitor in Liverpool. Discover the latest news, opinion pieces and editorial articles from Kevin Ross.

[H5] Further reading

Property Law
[H1] How Will the Labour Party’s Garden Tax Impact the Market?

27th July 20193 min readProperty Law

Kevin Ross

Summary:
With the Labour Party’s proposed plans for a ‘garden tax’, Kevin Ross, director at Brown Turner Ross, explores how this would impact the property market. The tax overhaul plans would see Council Tax replaced with a progressive system where the landowner would be liable to pay instead of the occupier. A new report titled ‘Land […]

With the Labour Party’s proposed plans for a ‘garden tax’, Kevin Ross, director at Brown Turner Ross, explores how this would impact the property market.
The tax overhaul plans would see Council Tax replaced with a progressive system where the landowner would be liable to pay instead of the occupier. A new report titled ‘Land for the Many’ outlines several recommendations for the party to implement “radical but practical changes in the way land in the UK is used and governed.”
The Labour Party looks set to identify key housing market reforms as part of their policy for the next election. The core purpose of their plans is to make it more affordable for people to enter the market. It should also ease the burden many leasehold owners are encumbered with from high ground rents and higher prices to buy the freehold. The report has been dubbed the ‘garden tax’ and will aim to “encourage more efficient use of the housing stock” and “discourage the use of homes as financial assets.”
The annual tax bill would be based on the property’s current value and would target larger homes with gardens. This is something that would mostly like significantly affect families, widowers and pensioners. As the large tax bill may be off-putting for home buyers, the policy could trap as many families as the current leasehold system. The plans would also see significantly higher rates for home owners living outside the UK for tax purposes, those who own a second home, and anyone who has an empty home for more than two years.
The ‘Land for the Many’ report also tackles the issues of thousands of homeowners being unable to sell their homes due to excessive ground rents and high prices to obtain the freehold in the leasehold market. The report suggests that if you own a house or flat but not the plot of land, then you should have the right to purchase the land for no more than 1% of the property’s value. This approach is similar to a recent proposal from the Conservatives who announced that all newly built houses would only be sold on a freehold basis.
As for the commercial industry, the party may look to replace business rates with a land value tax. This would be based on the rental value of local commercial land and aim to reduce the risk for investors. However, there’s no clear indication whether this would add to the current corporation tax system or replace it.
In order for these plans to work effectively and to avoid negative impact on the property market, it’s clear that a sensible implementation and simplifying of the system would be necessary.

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Written by
[H6] Kevin Ross

Kevin Ross is a specialist Property Law solicitor in Liverpool. Discover the latest news, opinion pieces and editorial articles from Kevin Ross.

[H5] Further reading