Compliance & Legal Hub

Your trusted resource for UK property regulation, compliance, and legal guidance. We are passionate about regulation of our industry, and do believe that information should be accessible and simple. This hub is your go-to resource for all UK Property Compliance and Regulation.

Our Commitment to Transparency and Protection

Navigating the UK’s property landscape requires diligence and expertise. This hub is designed to provide our clients – landlords, tenants, sellers, and buyers – with clear, accessible information on their rights and obligations. We are committed to upholding the highest professional standards to protect your interests at every stage.

Property Compliance Directory

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For Landlords

Critical legal obligations for letting a property.

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For Tenants

Understanding your rights and our processes.

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For Sellers & Buyers

The legal stages of a property transaction.

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Data Protection & Privacy

How we handle your data (GDPR).

Our Professional Memberships

Landlord Compliance Essentials

As a landlord, you have a legal responsibility to ensure your property is safe and compliant. Here are the key requirements we manage on your behalf:

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Right to Rent

We are legally required to check that all tenants or lodgers aged 18 and over have the legal right to rent in the UK before the start of a tenancy.

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Tenancy Deposit Protection (TDP)

Text: We protect your tenant’s deposit in a government-approved scheme within 30 days of receipt, providing both you and the tenant with peace of mind.

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Energy Performance (EPC)

Your property must have an Energy Performance Certificate (EPC) rating of ‘E’ or above to be legally let. The EPC must be provided to tenants before they move in.

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Electrical Safety (EICR)

An Electrical Installation Condition Report (EICR) must be carried out every five years by a qualified electrician to ensure the safety of all fixed electrical installations.

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Gas Safety (CP12)

An annual gas safety check by a Gas Safe registered engineer is mandatory for all gas appliances and flues. We ensure a valid certificate is in place before a tenancy begins and is renewed yearly.

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Smoke & Carbon Monoxide Alarms

A smoke alarm must be fitted on every storey of the property, and a carbon monoxide alarm is required in any room with a solid fuel-burning appliance.

Your Rights and Our Responsibilities as a Tenant

We are committed to ensuring you have a safe, secure, and well-managed home. This section outlines our key processes and your rights as a tenant, ensuring a transparent and positive renting experience from start to finish.

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The Application Process

To ensure fairness for all, we process applications on a first-come, first-served basis. Every applicant undergoes a comprehensive referencing process, which includes a credit check, an employment reference, and a reference from your previous landlord.

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Your Tenancy Deposit

Your security deposit is fully protected. We register it with a government-approved scheme, such as the Tenancy Deposit Scheme (TDS), within 30 days of payment. You will receive an official certificate confirming its protection.

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Property Safety & Standards

Your safety is our top priority. Before you move in, we confirm that the property meets all legal safety standards, including valid Gas Safety and Electrical Safety certificates. We also ensure there are working smoke alarms and carbon monoxide alarms where required by law.

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Repairs & Maintenance

All repair requests should be submitted through our official maintenance portal. This creates a clear record and allows our team to address issues efficiently. For emergencies, please call our dedicated 24/7 maintenance line to ensure an immediate response.

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Inspections & Access

We conduct periodic property inspections to ensure the property is being well-maintained. We will always provide you with at least 24 hours’ written notice before a visit unless it is an emergency, respecting your right to quiet enjoyment of your home.

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Ending Your Tenancy

To end your tenancy, you must provide written notice in line with the terms of your tenancy agreement. Following your move-out, we will conduct a final inspection and manage the deposit return process promptly and fairly.

The Legal Journey of Selling & Buying

The process of transferring property ownership is a significant legal event. It is structured to protect the interests of all parties involved and ensure absolute clarity. Below is an outline of the key legal stages for both sellers and buyers.

For Our Sellers

From accepting an offer to handing over the keys, we work alongside your chosen solicitor to ensure a smooth legal completion. Key stages include:

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Instructing a Solicitor

Once you accept an offer, you must formally instruct a conveyancing solicitor to handle the legal transfer of the property.

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Anti-Money Laundering (AML) Checks

Your solicitor is legally required to verify your identity and proof of address to comply with Anti-Money Laundering regulations.

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Property Information Forms

You will complete detailed forms about the property (e.g., boundaries, disputes, fixtures, and fittings), which form part of the draft contract pack sent to the buyer’s solicitor.

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Responding to Enquiries

Your solicitor will manage any questions raised by the buyer’s solicitor following their property searches and survey.

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Exchange & Completion

Once all enquiries are satisfied, contracts are formally exchanged, making the deal legally binding. Completion is the final step, where funds are transferred and ownership officially passes to the buyer.

For Our Buyers

Securing your new home involves several crucial legal and financial steps. We will liaise with your solicitor throughout to help progress the sale. Key stages include:

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Instructing a Solicitor

As soon as your offer is accepted, you should instruct a solicitor to manage the conveyancing process on your behalf.

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Applying for a Mortgage

You will now proceed with your formal mortgage application, providing the lender with details of the property you are purchasing.

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Conveyancing Searches

Your solicitor will conduct essential searches (e.g., with the Local Authority and Land Registry) to uncover any potential issues with the property or surrounding area.

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The Property Survey

Your mortgage lender will conduct a valuation survey, and we strongly recommend you arrange your own independent survey (e.g., a HomeBuyer Report or Building Survey) for a detailed assessment of the property’s condition.

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Exchange & Completion

After receiving satisfactory search results, survey, and your formal mortgage offer, you will exchange contracts and pay your deposit. Completion follows, where the remaining funds are paid, and you officially become the new owner.

Data Protection & Your Privacy (GDPR)

RGA Property Solutions is fully committed to protecting your personal data and respecting your privacy. We handle all information in strict compliance with the UK General Data Protection Regulation (GDPR). This notice outlines what data we collect, why we need it, and how we ensure it remains secure.

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What Information We Collect

We only collect information that is necessary to provide our services. This may include your name, contact details, proof of identity, financial information for referencing, and details relating to your property transaction or tenancy.

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Our Lawful Basis for Processing

We process your data to fulfil our contractual obligations (e.g., managing a tenancy or a sale), to comply with our legal obligations (e.g., Anti-Money Laundering checks), and for legitimate business interests (e.g., responding to your enquiries). We will always seek your explicit consent for any marketing communications.

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How We Protect Your Data

Your personal data is stored securely on our encrypted systems. We have robust internal policies and technical measures in place to prevent unauthorised access, disclosure, alteration, or destruction of your information.

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Sharing Your Information

We will never sell your data. We only share your information with necessary and trusted third parties to facilitate our services, such as referencing agencies, solicitors, maintenance contractors, or government-approved tenancy deposit schemes. We ensure all third parties are also GDPR compliant.

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Your Data Rights

You have the right to request access to the personal data we hold about you, to have it rectified if it is inaccurate, or to have it erased. You also have the right to restrict or object to processing.

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Contact Us

If you have any questions about how we handle your data or wish to exercise your rights, please contact our Data Protection Officer at privacy@rgaproperty.co.uk.

Clarity, compliance, confidence.

Need Expert Guidance?

The world of property compliance is always evolving. If you have a question about your obligations or our procedures, our knowledgeable team is here to help. Get in touch for clear, confidential advice without obligation.

Call 01692 535741