Corporate & Commercial

Ferbrache & Farrell LLP’s corporate department offers full service corporate, banking and commercial cover and is able to advise on all aspects of Guernsey corporate and commercial law, including banking and finance, regulatory, investment funds, asset management and listings on The International Stock Exchange (TISE).

Latest Insight
12 December 2024
Insight
Our UKRE team has devised some handy tips for first-time buyers to help navigate the property market: 1. Understand your budget: Calculate affordability: determine how much…
Dispute Resolution

The dispute resolution department at Ferbrache & Farrell LLP has vast experience of local and international litigation and dispute resolution generally, gained from acting in complex local and international high-value disputes, both in Guernsey and throughout the world.

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06 January 2025
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Ferbrache & Farrell’s dynamic, flexible Dispute Resolution team continues to grow with the appointment of experienced litigators Rebekah Johnston and Glyn Davies. Rebekah is an…
Property

The Guernsey property department is dedicated to providing tailored solutions that meet and exceed clients’ expectations. In addition, the property department provides support to colleagues in the corporate and dispute resolution departments on real estate-related technical points of law.

Latest Insight
12 December 2024
Insight
Our UKRE team has devised some handy tips for first-time buyers to help navigate the property market: 1. Understand your budget: Calculate affordability: determine how much…
UK Real Estate

We are delighted to help in relation to providing legal advice for real estate in England and Wales. We listen. We learn what your needs are. We proactively respond. Whether it’s personal or commercial property, we always provide sound and pragmatic advice, adding value to the transaction.

Latest Insight
18 December 2024
News
Ho ho ho! The HM Land Registry (HMLR) has delivered an early Christmas present with the UK House Price Index for October 2024. 🎅 Santa’s…
Private Client

Our services for private client matters include the drafting of realty and personalty wills, acting as professional executors, and assisting foreign lawyers who have requirements in this jurisdiction.

Latest Insight
12 December 2024
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Our UKRE team has devised some handy tips for first-time buyers to help navigate the property market: 1. Understand your budget: Calculate affordability: determine how much…

Top tips for first-time home buyers

Our UKRE team has devised some handy tips for first-time buyers to help navigate the property market:

1. Understand your budget:

  • Calculate affordability: determine how much you can afford by considering your income, expenses, and savings
  • Get pre-approved: secure a mortgage pre-approval to understand your borrowing capacity and show sellers you’re a serious buyer

2. Research the market:

  • Explore different areas: look into various neighbourhoods to find one that fits your lifestyle and budget
  • Monitor property prices: keep an eye on property prices and trends in your chosen area

3. Save for deposit:

  • Start early: begin saving as soon as possible to build a substantial deposit
  • Consider government schemes: look into schemes and grants available for first-time buyers

4. Factor in additional costs:

  • Stamp Duty: be aware of the stamp duty rates and any upcoming changes
  • Legal fees and surveys: budget for solicitor fees, surveys, and other associated costs
  • Removals

5. Get professional advice:

  • Consult a financial advisor: they can help you understand your financial situation and plan accordingly

6. Inspect the property:

  • Conduct thorough inspections: ensure the property is in good condition and identify any potential issues
  • Check for future developments: research any planned developments in the area that might affect property value

7. Plan for the long term:

  • Think ahead: consider your future needs and how long you plan to stay in the property
  • Resale value: choose a property with good resale potential in case you decide to move later

8. Stay informed:

  • Keep up with market news: stay updated on market trends and changes in property laws

If you need further information or legal advice, including conveyancing services in England, please contact our dedicated UKRE team: Anna Douglass, Alastair Hargreaves, Caren Vidamour, and Hannah Damant, who will be delighted to assist.

With effect from 13 November this year, regulations have come into force which change the circumstances when planning permission is not required for development.

The scope of exemptions has been increased, and deal with, for example, development within the curtilage of a dwelling house, a flat or building containing flats, and also development within the curtilage of a non-domestic building. Also captured are exemptions relating to demolition as well as maintenance, repair and minor alteration.

The rationale behind such adjustments may be to streamline the planning process and to free up resources from within the Development and Planning Authority, but whatever the case, the regulations demonstrate the flexibility of the Planning Service when needed.

For all planning law related matters, please contact our dedicated team of Alastair Hargreaves, Robin Gist, Peter Ferbrache and Caren Vidamour.

Following the tragic events of 14 June 2017, and the devastating loss of 72 lives at Grenfell Tower, and following the publication of the Phase 2 Report of the Grenfell Tower Inquiry on 4 September 2024, it was timely to consider the legal issue of building safety on a cross-jurisdictional basis.

Background and Context

Whilst the context of building safety in England needs no introduction, from its origins in at least 1965 and before, it may be helpful to focus very briefly on the second location forming the subject matter of this short article.

 

By way of background, the Bailiwick of Guernsey is a Crown Dependency and a self-governing entity. Within the Bailiwick there are three jurisdictions, namely Guernsey, Alderney and Sark. They hold a high degree of legal interest for those constitutional lawyers amongst us and particularly given the archaic link to the Duchy of Normandy.

 

This article is concerned however with the jurisdiction of Guernsey with its circa 65,000 inhabitants residing in the Island, in the Bay of Saint-Malo, and who are around an hour from London by plane.

 

From a planning law and a building control perspective, there are several landmark multi-storey office buildings in Guernsey, but multi-storey residential apartment blocks are limited.

 

Fire though makes no distinction between jurisdictions, as we are mindful locally of the desperate Jersey residential tower block explosion in 2022 that saw ten lives lost, and the 2024 evacuation in Jersey of 30 people following a fire in an apartment block there.

 

England: The Building Safety Act 2022

The landmark piece of legislation arising from the Grenfell tragedy is the Building Safety Act 2022, which came into force on 1 October 2023 (the BSA 2022).

 

It is fair to say that that the interplay between primary and secondary legislation is very complex in this area. It is the subject of multiple textbooks and many, many thousands of column inches, and the deliberations and cogitations of the finest minds.

 

Not only does a legal practitioner need to be familiar with the BSA, but they must also have regard to the myriad regulations and Circulars.

 

From the now called Ministry of Housing, Communities and Local Government and published at www.gov.uk these documents include, but are certainly not limited to, the Approved Document B (Fire Safety); 2025 Approved Document B amendment booklet (in force 2 March 2025, subject to transitional provisions); Circular number 03/2024; 2026 Approved Document B amendment booklet (in force 30 September 2026); Circular numbers 01/2024 and 04/2024; 2029 Approved Document B amendment booklet (in force 2 September 2029), Circular number 05/2024.

 

And notwithstanding the above, those in the industry must consider the practical application of the law that may transpose into daily practises through BS 99001 (quality management systems in the built environment), BS 9991 (Fire safety in the design, management and use of residential buildings: Code of Practice), BS 9999 (Code of Practice for Fire Safety in the design, management and use of buildings (non-residential), and the ubiquitous ISO 9001.

 

A principal aim of the BSA 2022 is to attempt to bring a regulatory framework that is ‘simpler, clearer and more effective…{and} because {of} the complexity of modern buildings, the actions of any one person could compromise the safety of the system as a whole’[1]

 

Readers can be the judge of that for themselves but suffice to say the BSA 2022 is becoming a standing agenda point for CPD providers due to scope for practitioners to fall foul of its requirements.

 

Whether acting for the buyer or for the seller, key considerations are (1) the scope of the retainer (2) the drafting of the letter of engagement (3) the wording of any report on title (in the case of the buyer) (4) how advice given will trigger protection from professional indemnity insurance, and (4) how replies to pre-contract enquiries (TA7/LPE1, or CPSEs, as the case may be) will be completed.

 

As far as the letter of engagement is concerned, special care should be taken to set out what will be done, and what will not be done in the context of the BSA 2022.

 

As practitioners of law, it would be an invidious position that a conveyancer somehow finds themselves, for example, as having to determine if a structure is a ‘Higher Risk Building’ for the purposes of the BSA 2022 or alternatively finding themselves in having to advise on highly technical points relating to service charges. A conveyancer will properly need to rely on information provided by a BSA 2002 defined ‘Accountable Person’ such as a landlord, management company, freeholder or resident management company, for example.

 

With all of these non-exhaustive points in mind, the current thinking is that great care must be taken in dealing with any property where liability under the BSA 2022 could be engaged.

 

Guernsey: The Building (Guernsey) Regulations, 2012 and the Guernsey Technical Standards

Unsurprisingly, safety of persons is paramount in the Bailiwick.

 

The very great difference though between England and Guernsey is that the latter is a customary law jurisdiction, although more recently supported by statutory infrastructure. As a brief recap, customary law (per Black’s Law Dictionary, 2007) is defined as being:

‘law consisting of customs that are accepted as legal requirements or obligatory rules of conduct; practices and beliefs that are so vital and intrinsic a part of a social and economic system that they are treated as if they were laws’

 

Clearly, with the speed of technical advances in building construction and the 21st century commensurate risks to life that change equally rapidly, the medium of Guernsey customary law is (on this occasion) inappropriate to provide a swift solution.

 

To that end therefore, Guernsey has the ability to look to any jurisdiction that it likes to provide potential answers. This flexibility can act as a catalyst for intellectual rigour to problem solve, whilst providing the legislative draftsperson’s signpost to a local answer to an issue that requires a statutory solution.

 

Guernsey does not have the equivalent of the BSA 2022.

 

Instead, the protection to life in building construction terms is through The Building (Guernsey) Regulations, 2012 (Part B: Fire Safety), as supported by the Guernsey Technical Standards (the GTS).

 

In general terms, the GTS draw very heavily on the English building regulations to an almost granular similarity by referencing ‘Parts’, as on the mainland. They are roughly equivalent in Guernsey as they are in England.

 

Where appropriate, the States of Guernsey Building Control also rely on British Standards, and in the present case this will be BS EN 13501-2 (Classification of Construction Products…from Fire Resistance…Tests), or the relevant parts of BS 476, being the suite of standards relating to fire resistance.

 

As one might expect, there are some local differences and non-resident applicants will need, for example, to be cognisant of the fact that in the Bailiwick, the Equality Act 2010 and the Equalities Act 2010 (Disability) Regulations 2010 (as amended or replaced) will not apply. Equally, Guernsey does not have approved building regulations inspectors, so the UK Building (Approved Inspectors, etc.) Regulations 2010 are not binding locally.

 

For the purposes of this article, we are concerned with the Parts A, B and M of the GTS. Part A details Structure (notably loading, ground movement, and disproportionate collapse); Part B regulates Dwellings and Buildings other than Dwellings, and Part M deals with Access to and Use of Buildings (including access and use, and access to extensions to buildings other than dwellings). Readers will note that the age of the Regulations (i.e. 2012) is somewhat dated, although the system does work well.

 

For public safety, there is also a very close synergy with the requirements of the Health and Safety Executive, and variously the Construction (Design and Management) Approved Code of Practice 2020, the Health and Safety at Work (General)(Guernsey) Ordinance 1987 (as amended).

 

In terms of fire legislation, the statutory landscape is very restricted. The soon to be replaced The Fire Services (Guernsey) Law, 1989 (as amended) has been relatively fit for purpose, although Grenfell has brough into sharp focus the need for change.

 

Such updating is likely to take place in 2025, particularly in respect of houses in multiple occupation, and a regulatory framework around passive means of fire protection.

 

As a small community, there is a great deal of co-operation between regulators and the various industries, and it is not uncommon to have regular forums to discuss and promote best practices. The outcome of such discourse has been evidenced most recently in September 2024 with the publishing of Building Control Guidance Note 24 (version 09.2024) aptly titled “Fire Resistance of Timber Frame Structures”, and which will no doubt provide valuable clarity to the industry generally.

 

Conclusions

Regardless of the location, whether England or the Bailiwick, the protection of human health in construction terms cannot be underestimated.

 

It is, in both jurisdictions, a political consideration, a matter for the judiciary, and a key factor in building practices.

 

Any efforts to prevent a repeat of Grenfell, or any means to mitigate existing risks, can only be a good thing. Whilst the routes to those outcomes will be different between jurisdictions, if the end result is similar, then this will be a positive platform on which to build in future.

 

(This article has also been published in Solicitors Journal).


[1] General Editors: Andrew Butler KC and Ian Quayle, ‘Building Safety Act 2022, A Guide for Property Lawyers’ (The Law Society, 2024), p.3

For those of us who navigate the complex and convoluted world of the development of dower units in Guernsey, the latest release from the Planning Service of Advice Note 1 is significant.  It is, in fact, the fourth iteration of the Advice Note, but for general release.

The technical guidance runs to some six pages and provides clarity (amongst other things) of what constitutes ‘ancillary living accommodation’, and when planning permission is, and is not required.

As is the case generally, if planning permission is needed, then an application will be assessed against the relevant policies within the Island Development Plan.  That assessment will also be in parallel with any legislative obligations and interpretation as set out in The Land Planning and Development (Use Classes) Ordinance 2017 (for example- the definition of ‘dwelling’)

A material consideration for the Planning Service is whether the accommodation would be ‘ancillary or associated to the principle dwelling’ and several factors will need to be closely borne in mind.

From a practitioner’s perspective, the release of AN1 draws to a close the previous opacity surrounding the subject area, and on that point alone is a welcome development.

For any matters concerning Guernsey Planning and Environmental Law and Regulatory queries, please contact Alastair Hargreaves for further assistance.

Many leases and tenancies contain provisions that restrict activity at, or use of, the property.

Typically, use clauses may restrict what is permitted, such as using the property for a domestic or private dwelling only and not for any trade or business, or immoral, or illegal purposes.

There are often restrictions such as not creating any nuisance or annoyance to the landlord, and any owners and occupiers of any neighbouring properties.

Such restrictions would typically include provisions prohibiting leaseholders and tenants from causing noise or disturbances which might include antisocial behaviour, or playing instruments, or music devices, so that the same are audible to others on the outside of the property, particularly during night/ unsociable hours.

When keeping pets, renters may face similar restrictions.

In fact, many pet owners across the UK struggle to find accommodation that will accept their pet in the private rented sector. For renters, pet ownership may be banned completely due to provisions in an Assured Shorthold Tenancy agreement, for example. For leaseholders, pets may also be banned by general nuisance clauses in long leases. There may also be restrictions on what types of pets may be kept and the consent of the property owner may be required before a pet can be kept at a property.

Prospective renters and leaseholders must also understand how a ‘pet’ is defined. Factors such as size and breed may influence an owner’s decision whether a domestic animal may be kept or not. Where there is a medical justification for a pet, such as guide dogs or emotional support animals, individuals may be given special allowance by property owners for these animals to be kept at the property.

When buying a leasehold property or renting a property, it is important to carefully check the terms and provisions of the lease or the tenancy agreement to determine whether a pet can be kept or not. Particularly, in case of animal lovers, this is likely to affect their enjoyment of the property.

When a property is to be used as an investment, a full ban on keeping pets is likely to limit the number of prospective tenants (particularly if they are dog or cat owners).

It is worth pointing out that there may be legal recourse where pets are banned, such as through the Consumer Rights Act 2015 if the terms are considered ‘unfair’.  However, this only applies to rental properties (rather than long leaseholds) and may be a costly and time consuming route to pursue.

Also, the controversial Renters (Reform) Bill, introduced to Parliament on 17 May 2023, contains measures to amend the Housing Act 1988 to make it an implied term of an assured tenancy (with some exceptions) that a tenant may keep a pet with the landlord’s consent unless the landlord reasonably refuses. This is expected to become law imminently this year.

Furthermore, landlords in England cannot request a higher tenancy deposit as a security for renting with a pet. As deposits are capped in England since the introduction of the Tenant Fees Act in 2019, landlords might instead elect to charge an extra rent for having a pet.

‘No pets allowed’ is often not set in stone and an open discussion with the landlord or the letting agent would often prove to be the best course of action.

For more information please see: https://www.gov.uk/guidance/renting-with-pets-renters-reform-bill

If you need any further information or legal advice, including conveyancing of a property in England, please contact our designated UKRE team Anna Douglass, Alastair Hargreaves, Caren Vidamour and Naledi Odiseng, who will be delighted to assist.

Excellent client feedback has placed Ferbrache & Farrell in the Chambers & Partners rankings once again. The highly respected legal directory ranks law firms and their lawyers based purely on client feedback.

The firm’s Dispute Resolution department has achieved Band 3 recognition, with five of the firm’s lawyers ranked individually.

For the Corporate department, Counsel Helen McGeoch is highlighted in ‘Associates to Watch’, while founding partner Advocate Gavin Farrell has achieved top tier ranking for Corporate & Finance including Investment Funds.

Advocate Farrell was said to be ‘extremely responsive and commercially aware, which is a must for our most sophisticated clients.’

Clients said that Mrs McGeoch is a ‘very calm and astute lawyer’. This is the second year running that she has been recognised in ‘Associates to Watch’.

Advocate Alastair Hargreaves, who is also the firm’s managing partner and leads the Property and Private Client departments, is ranked Band 2 for property. Alastair was described as ‘super-responsive’ and ‘provides exceptional client service.’

Advocate Hargreaves said: ‘We’re absolutely delighted that that only seven years after our inception, the firm continues to grow, and more than holds its own against the larger and longer established law firms in Guernsey, as is demonstrated by such positive client feedback.’

Ferbrache & Farrell was established in 2016 and consists of highly respected individuals with decades of experience and who are all recognised locally and internationally for their levels of expertise in commercial law, property law, private client, UK real estate and dispute resolution.

Earlier this month the firm was recommended across all practice areas in The Legal 500 2024 UK rankings.

Today sees the release of the Legal 500 United Kingdom 2024 rankings. This is a very important publication in the legal world as it offers a myriad of useful information for potential clients, intermediaries, and referrers.

We are absolutely delighted that Ferbrache & Farrell LLP has again been recognised in all practice areas and had another great year of rankings, notwithstanding the firm has only been established for some 7 years.

Gavin Farrell is a ‘Hall of Fame’ lawyer, and Alastair Hargreaves is described as a ‘Leading Lawyer’ in commercial property.

Congratulations to Alison Antill for some superb client testimonials, and also to Stuart Nash who is described as a ‘Rising Star’.

In all of these accolades, however, the firm and partners know that it is the sum of all parts, and only due to the concerted team effort throughout the business.

Companies House has just updated its guidance on how it will use various enforcement powers in relation to the Register of Overseas Entities.

The date of 1st August 2023 will mark the first anniversary of the UK Register of Overseas Entities (the main aim of which is to capture information about beneficial ownership of overseas entities that own UK land).

The Economic Crime (Transparency and Enforcement) Act 2022 (the Act) sets out that an overseas entity that owns land in the scope of the Act, or is proposing to own land in the UK, must register with the Registrar of Companies for England and Wales (Companies House).

If registration does not take place, Companies House will initially adopt a help and support approach.  If this does not work, then other remedies will include property restrictions, civil penalties and potential prosecution.

For most recent information and updated guidance see: https://www.gov.uk/government/publications/register-of-overseas-entities-approach-to-enforcement/register-of-overseas-entities-approach-to-enforcement

If you need any further information or legal advice, including conveyancing of a property in England, contact our designated UKRE team Anna DouglassAlastair HargreavesCaren Vidamour and Naledi Odiseng who will be delighted to assist.

Surveys are an incredibly important part of the house buying process. Yes, you can buy a house without a survey, but it would be risky. Every buyer is strongly advised to get a survey from an appropriately qualified chartered surveyor whether it’s the Homebuyer Report or the more detailed Building Survey.

The survey can highlight defects and deficiencies in a property and help you make an informed decision about repairs and alterations that may be needed. A surveyor can also help suggest the boundaries of your property or advise on any discrepancies where further investigation should be carried out. For more details on surveys please download our brochure.

To find out more information about the house buying and selling process in Guernsey or in England & Wales, please don’t hesitate to contact us Alastair Hargreaves and Anna Douglass or any members of our property teams.

Back in June 2022, the Government issued a white paper with proposals to protect tenants in England & Wales in various different ways (https://www.gov.uk/government/news/new-deal-for-private-renters-published-today).  This followed many years of campaigning by private renters and the Renters Reform Coalition.

The white paper proposals included an intention to ban ‘no fault’ evictions, the suggested creation of a Private Renter’s Ombudsman (to settle disputes quickly), the right for a tenant to request to have a pet, and also the requirement that properties are not unsafe or harmful to health (the so called ‘Decent Homes Standard’).  Other measures were also set out to improve standards for tenants generally, and for landlords to be able to evict anti-social tenants more easily.

Today sees the introduction to Parliament of the Renters’ (Reform) Bill 2023, following much fanfare from the Housing Secretary, Michael Gove.

The Department of Levelling Up, Housing and Communities has indicated that eleven million tenants will be affected, with around two million landlords also falling within the remit of the legislation.  Reactions so far have been generally supportive, being described by some as a ‘once in a generation’ announcement, and by others as a Bill lacking detail.

Time will tell the success of the drafting, but in the meantime, any removal of uncertainty for either landlord or tenant cannot be a bad thing.

If you need any further information or legal advice, including conveyancing of a property in England & Wales contact our UKRE team Anna DouglassAlastair HargreavesCaren Vidamour or Naledi Odiseng, who will be happy to assist.