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Understand the terms used in more detail

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Term Details
CMC Claims management company which should be regulated by the FCA. Normally a CMC has no solicitors and often work with a panel of friendly solicitors.

What counts as a “dwelling” is set out in paragraph 18, Schedule 4ZA, Finance Act 2003 and paragraph 18(2) provides that:

(2)   A building or part of a building counts as a dwelling if –

  • it is used or suitable for use as a single dwelling, or
  • it is in the process of being constructed or adapted for such use.”

This definition is not particularly helpful in explaining the meaning of “dwelling”, although it is clear that for SDLT that the building concerned must be either used or suitable for use as a single dwelling or is in the process of construction or adaption for such use at the effective date.

MDR For multiple dwelling relief to apply then the annex or flat must be separable from the main dwelling and must be suitable for use as a single dwelling. So it would need hygiene, sleeping and cooking facilities.
FCA Financial Conduct Authority


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