3): Co-Ownership Flashcards

(29 cards)

1
Q

What is co-ownership in land law?

A
  • When 2+ people concurrently own and possess land.
  • Legal estate held as joint tenants (max 4 trustees).
  • Equitable estate held as joint tenants or tenants in common (unlimited number).
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2
Q

What arises when land is co-owned?

A
  • A trust of land arises automatically under TOLATA 1996.
  • Legal owners act as trustees for the equitable owners.
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3
Q

What’s the difference between legal and equitable title in co-ownership?

A
  • Legal title: Only as joint tenants (max 4).
  • Equitable title: As joint tenants or tenants in common.
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4
Q

What distinguishes a joint tenancy in equity?

A
  • Treated as a single unit.
  • Right of survivorship applies.
  • All 4 unities must be present: Possession, Interest, Title, Time.
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5
Q

What distinguishes a tenancy in common in equity?

A
  • Distinct, possibly unequal shares.
  • Only unity of possession is required.
  • No right of survivorship — interest passes under will or intestacy.
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6
Q

What is severance and how does it affect joint tenancy?

A
  • Converts joint tenancy into tenancy in common.
  • Affects only the equitable interest.
  • Must occur during life (cannot be severed by will).
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7
Q

What are the methods of severance?

A
  • Written notice (s.36(2) LPA 1925) — unequivocal and irrevocable.
  • Acts on own share — e.g. sale or mortgage.
  • Mutual agreement.
  • Mutual conduct/course of dealing.
  • Bankruptcy.
  • Homicide of a co-owner.
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8
Q

What powers does the court have under TOLATA 1996?

A

s.14: Power to determine nature/extent of interest or order sale.

s.15: Court must consider:
- Intentions of trust creators
- Purpose of trust
- Welfare of minors
- Interests of secured creditors

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9
Q

What is an easement?

A
  • Right benefiting dominant land over servient land (e.g. right of way).
  • Enforceable right attached to land.
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10
Q

What are the 4 essential characteristics of an easement (Re Ellenborough Park)?

A
  • Dominant + servient land must exist.
  • Must accommodate the dominant land (not merely the owner).
  • Separate ownership/occupation of lands.
  • Capable of forming the subject matter of a grant (definable, legal).
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11
Q

How are easements created?

A
  1. Express (by deed).
  2. Implied by:
    - Necessity (landlocked)
    - Common intention
    - Wheeldon v Burrows: continuous + apparent + necessary for enjoyment
    - s.62 LPA 1925: converts licenses into easements on conveyance
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12
Q

What is required for s.62 LPA 1925 to operate?

A
  • Legal conveyance (e.g. lease >3 years).
  • Prior use of right.
  • Diversity of occupation.
  • Right must exist at time of conveyance.
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13
Q

What is the Rule in Wheeldon v Burrows?

A

Converts quasi-easement into legal easement upon sale if:
- Used before sale
- Continuous and apparent
- Necessary for reasonable enjoyment
- In use at time of sale

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14
Q

How can easements be acquired by prescription?

A

20+ years of use that is:
- Without force
- Without secrecy
- Without permission
- By/against fee simple owner

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15
Q

What is a freehold covenant?

A
  • Promise between freehold owners concerning land use.
  • Made by covenantor (servient) for covenantee (dominant).
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16
Q

What is the difference between positive and negative covenants?

A
  • Positive: Do something (e.g. repair, pay).
  • Negative/restrictive: Refrain from doing something (e.g. no building).
17
Q

Are covenants legal or equitable interests?

A
  • Equitable interests only.
  • Must comply with s.53(1)(a) LPA 1925 (in writing + signed).
18
Q

Can covenant burden pass at common law?

A
  • No — burdens do not pass.
  • Exception: Halsall v Brizell – benefit/burden linked (e.g. use + pay for access road).
19
Q

How does the benefit pass at common law?

A

If all conditions met:

  • Touches and concerns land
  • Intent to run
  • Original covenantee held legal estate
  • Successor holds legal estate from/under original covenantee
20
Q

When can the burden of a negative covenant pass in equity?

A

Tulk v Moxhay conditions:
- Covenant benefits dominant land
- Touches and concerns land
- Intention to bind successors
- Servient landowner has notice (registered: Charges Register or D(ii) Land Charge).

21
Q

How can the benefit of a covenant pass in equity?

A

Annexation:
- Express (e.g. “for benefit of…”)
- Implied
- Statutory (s.78 LPA 1925)

Assignment: Written + notice to covenantor

Building schemes: Mutual enforcement across plots

22
Q

What are remedies for covenant breaches?

A
  • Positive covenant: Damages, specific performance
  • Restrictive covenant: Injunction, or damages in lieu
23
Q

What is a mortgage in land law?

A
  • Legal interest used as security for a loan.
  • Must be created by deed to be legal
24
Q

What constitutes default under a mortgage?

A

-Non-payment (capital/interest)
-Breach of any loan condition
-lender can enforce security

25
What are lender remedies for enforcement?
Possession – lender may take property; court order needed if dwelling house in occupation. Power of Sale – under s.101 LPA 1925 (must be exercisable under s.103). Debt Action – sue borrower personally for outstanding sum. Appointing a Receiver – collects income from income-producing land (e.g. rent). Foreclosure – rare; lender gets title and ends borrower’s right to redeem.
26
What rights do lenders have under their power to take possession of property?
Immediate right to possess (no need to wait for default) Must follow pre-action protocol for residential properties Court order needed if it's a dwelling in occupation Often used as a last resort
27
What are lenders' rights under their power of sale remedy?
-Mortgage created by deed. -Power arises when loan is due. Becomes exercisable if: - 2 months’ interest unpaid - Notice demanding payment served Lender must act in good faith and obtain best price.
28
What is the purpose of appointing a receiver?
- Receiver collects income (e.g. rent). - Pays outgoings and applies surplus to loan. - Used for income-generating property.
29
How are mortgages protected and prioritised?
1. Unregistered land: - Lender holds title deeds - Puisne mortgage: register as Class C(i) Land Charge 2. Registered land: - Must be registered on Charges Register - Priority by registration date - Bound if: . Registered . Protected by notice . Overriding interest