Housing affordability in England and Wales has returned to similar levels seen before the pandemic, thanks to stronger wage growth outpacing property prices, according to the Office for National Statistics (ONS).
Although affordability has improved, homes are considered truly “affordable” only when they cost less than five times annual earnings. In 2024:
Most Affordable:
Least Affordable:
Notable Regional Changes:
Sarah Coles, Head of Personal Finance at Hargreaves Lansdown:
“Wages have risen faster than house prices in recent years, so would-be buyers are inching slightly closer to being able to afford a home of their own.”
“Still, 7.7 times income is a huge stretch, especially with stubbornly high interest rates.”
“To improve affordability, build the biggest deposit you can — from savings, Lifetime ISAs or family help.”
Toby Leek, President of NAEA Propertymark, added:
“Despite improved ratios, entry into the market remains difficult. High deposits and elevated interest rates continue to pressure first-time buyers.”
If you’re planning to purchase a property to rent out instead of living in it yourself, a standard residential mortgage won’t be sufficient. In this case, you’ll need a buy-to-let mortgage, which is tailored specifically for property investors.
This guide covers:
What Is a Buy-to-Let Mortgage?
A buy-to-let mortgage is a type of loan used to purchase residential property intended to be rented out to tenants. You can apply if you:
How Does a Buy-to-Let Mortgage Work?
Buy-to-let mortgages function similarly to residential ones but with several key differences:
While interest-only options reduce monthly costs, it’s crucial to have a repayment strategy in place—such as selling the property or using savings.
Types of Buy-to-Let Mortgages
Who Can Apply?
Lender requirements vary but generally include:
Deposit Requirements
Buy-to-let mortgages typically require a minimum deposit of 25%. If you can offer 40% or more, you may qualify for better rates.
Borrowing and Affordability Criteria
Because buy-to-let is considered higher risk, lenders apply stricter affordability assessments:
Interest Rates
Buy-to-let interest rates are generally higher than those for standard residential mortgages due to increased risk. Factors affecting your rate include:
Some mortgages include high arrangement fees, so be sure to compare the total cost, not just the interest rate.
Additional Costs
Be prepared for additional expenses such as:
Frequently Asked Questions
Is Buy-to-Let Cheaper Than a Residential Mortgage?
Not usually. Interest rates and fees are higher. However, interest-only options mean monthly payments may be lower—but you still need to repay the capital eventually.
Can I Live in My Buy-to-Let Property?
Generally no. These mortgages are intended for rental purposes only. Living in the property without lender approval can breach your agreement. Some lenders may allow short-term exceptions with prior permission.
Can I Sell a Property with Sitting Tenants?
Yes, you can sell a buy-to-let property with tenants in place. In fact, this may appeal to other investors. The existing tenancy agreement must remain in effect until it ends.
Thinking about becoming a landlord or growing your investment portfolio? Get in touch with Piccadilly Estates to explore buy-to-let opportunities across London and the UK.
Reference: MSN Blog
Despite widespread speculation and fiscal reforms, London’s super-prime real estate market has demonstrated remarkable resilience. Christie’s International Real Estate (CIRE), a global leader in luxury property, reported a significant rise in high-value property purchases in the capital following the UK government’s recent decision to eliminate the long-standing non-domicile (non-dom) tax status.
In an interview with City AM, CIRE co-CEOs Mike Golden and Thad Wong emphasized that London’s luxury market is not only surviving but flourishing. “While I don’t think that changing the non-dom rules was positive, the reality is that almost the opposite has happened,” said Golden. “The market for the super prime – properties over £10 million – is thriving.”
The UK Chancellor’s decision in late 2023 to end the non-dom tax regime raised concerns across the real estate sector. However, CIRE’s data shows that the number of ultra-high-value property transactions doubled in Q4 2023 compared to the same period in the previous year.
Golden commented: “London is London. While 2023 and 2024 weren’t stellar years for real estate globally, the UK’s luxury segment has remained surprisingly strong.”
With geopolitical tension, interest rate hikes, and fluctuating global markets impacting investor sentiment, London’s reputation as a “boring but solid” market is becoming a strategic advantage. Unlike other destinations with more aggressive tax incentives like Italy, Portugal, or Switzerland, the UK is seen by some UHNWIs as a dependable, rule-based economy.
CIRE’s recent track record includes some of the most expensive global transactions, including a $152 million private island in Palm Beach and the historic Bridehead Estate in Dorset. In the UK, listings like the £21 million Ripley Castle estate in North Yorkshire and a £58 million Beverly Hills-style mansion show the scope of CIRE’s reach.
Thad Wong noted: “When the stock market feels shaky, fear spreads faster than optimism. That’s where a trusted market like London becomes appealing again.”
As London’s luxury real estate recovers from the long-term impacts of Brexit and the pandemic, a renewed wave of international investment could mark the end of a nearly decade-long downturn. Knight Frank reports that values have just returned to pre-Brexit levels in real terms.
Class distinctions have existed for centuries, influencing society, opportunities, and lifestyle quality. While the rigid class systems of the past have evolved, social class still plays a significant role in the UK today. This article explores the middle class, the income needed to belong to it, the industries with a high proportion of middle-class workers, and the differences between middle and working-class households.
Social class is generally determined by a mix of income, education, occupation, and social status. The middle class sits between the working class and upper class in the UK’s socio-economic hierarchy. According to a 2017 study, around 6% of school children in the UK attend private schools, with a significant portion coming from middle-class backgrounds. However, the study also highlighted that wealth concentration is much higher at the top end of the income spectrum.
Stereotypically, middle-class occupations include teachers, doctors, and lawyers. Core values associated with the middle class include homeownership, financial stability, quality education, and leisure activities such as holidays and shopping. Unlike the upper class, where wealth is often inherited, middle-class individuals typically achieve financial success through education, career progression, and strategic financial planning.
The Office for National Statistics (ONS) reported that the median salary for full-time employees in the UK in 2024 was £37,430, reflecting a 6.9% increase from the previous year. However, salaries vary significantly by region. London salaries tend to be higher due to the increased cost of living, and earnings generally rise with age, peaking for individuals in their 40s.
Defining the middle class solely by income can be challenging, as living costs vary across regions. According to financial expert Emmelia Powell from Premier Wealth Solutions (PWS), what is considered middle class in northern England may not provide the same lifestyle in London or the South East. She explains that in some parts of the UK, a household earning £60,000 might be middle class, whereas in London, this income might only afford a modest lifestyle.
For further context, London salaries are approximately 27% higher than the national average. To be classified as middle class in London, a household typically needs to earn £76,200 annually. Powell adds that although the median UK salary is a useful benchmark for the middle class, factors like regional cost of living and household size greatly influence financial stability.
Some industries naturally have a higher proportion of middle-class earners. According to Powell, the education, IT, technology, finance, and accounting sectors are among those with the most middle-class employees. Additionally, IBIS World highlights that healthcare and professional services, such as law firms, also have a significant middle-class workforce. With the growing popularity of freelance and digital nomad careers, commission-based roles in sales, consulting, and technology are increasingly pushing workers into the middle-class bracket.
The number of self-employed workers in the UK has risen substantially. In 2019, the ONS reported that self-employment among individuals aged 16 to 20 had nearly doubled since 2001. After the COVID-19 pandemic, Youth Employment UK found that 22% of young adults (ages 16-21) were interested in self-employment. Fields such as market research, UX design, software development, business consulting, and data analytics have become lucrative, often propelling individuals into the middle class.
The financial gap between the middle and working class is most evident in homeownership, savings, and retirement planning. Middle-class households are more likely to own property, contribute to workplace or private pensions, and invest in stocks and shares. Over time, this gap can widen as middle-class individuals gain access to financial advice and investment opportunities, leading to long-term wealth growth.
However, the rising cost of living has put financial pressure on middle-class families. A 2024 report by The Guardian titled ‘UK Middle Classes Struggling Despite Incomes of Up to £60,000 a Year’ highlighted how high housing costs and job insecurity have made it challenging to maintain a comfortable lifestyle. Powell notes that some middle-class households have resorted to debt to sustain their standard of living, a situation she warns against due to long-term financial risks.
Being middle class in the UK is about more than just income—it encompasses financial stability, homeownership, career opportunities, and social mobility. While salaries are a key indicator, factors such as regional cost of living and household size play crucial roles in defining middle-class status. If you’re considering investing in property or making strategic financial decisions, understanding these dynamics can help you secure long-term financial security.
On February 20-21, we had the pleasure of meeting investors at JW Marriott Hotel in Ankara to showcase Barratt London projects. Those interested in purchasing a home in London and investing in UK real estate showed great enthusiasm for our projects, with prices starting from £300,000.
Participants keen on buying property in London explored Hayes Village, a development that stands out with its proximity to Heathrow Airport and excellent transport connections. Additionally, Sterling Place, located near Richmond and Wimbledon, attracted significant attention for offering a tranquil, nature-surrounded lifestyle.
Investors looking for well-connected, prestigious, and high-value real estate opportunities in London took advantage of the event to gain in-depth insights into the projects. They also had the chance to meet with our experts for one-on-one consultations.
If you are considering investing in London or securing a safe real estate opportunity in the UK, contact us today to discover the most suitable projects for you!
London’s skyline is evolving rapidly, with hundreds of new skyscrapers set to transform its iconic silhouette. Over the next decade, nearly 600 high-rise buildings are expected to rise, significantly altering the city’s landscape.
The City of London Corporation has released new visuals illustrating how London’s skyline will change as more skyscrapers are approved and constructed. According to think-tank New London Architecture (NLA), 583 buildings over 20 storeys are currently in the pipeline. This figure is more than double the 270 high-rises built in the past decade, leading many to compare London’s future look to “Manhattan-on-Thames.”
Compared to 2005, today’s images reveal how skyscrapers are beginning to overshadow historic landmarks like the Gherkin. Architect Bill Webb, founder of Able and a key designer of London’s high-rises, notes that the city’s skyline is bound to become denser, with some well-known structures becoming less prominent.
However, Webb also emphasizes that perspectives on architecture evolve over time. “When the Gherkin was first built, many considered it an eyesore, but today, it’s a vital part of London’s skyline,” he explained.
Despite concerns about overcrowding, newly approved skyscrapers are expected to integrate smoothly into the cityscape. “Adding a new skyscraper is like adding a brushstroke to an already famous silhouette,” Webb stated.
Key upcoming projects include:
The landmark 54-storey 99 Bishopsgate building, which will be built by Liverpool Street Station, was also approved this month (Picture: 99bishopsgateconsultation.co.uk/RSHP)
Chris Hayward, Policy Chairman of the City of London Corporation, highlighted the balance between economic growth and heritage preservation. “London is a global economic powerhouse, an ancient city, and a hub for collaboration and innovation. These developments ensure our real estate sector remains strong and attractive to investors,” he said.
The City’s “Destination City” growth strategy aims to enhance the Square Mile’s appeal, attracting new businesses while fostering a vibrant cultural, leisure, and hospitality scene.
The number of properties valued at over £1 million across Britain has surged by around 34% in the past five years, according to new research by property firm Savills. The latest figures indicate that one in every 42 homes in Britain is now in the million-pound bracket.
Savills reported a net increase of 3,127 properties crossing the £1 million mark in 2024 compared to the previous year. This brings the total number of homes valued at £1 million or more to approximately 702,580.
London has seen the most significant rise in million-pound properties, with one in every 11 homes in the capital now worth at least £1 million. The city reached a record high of 349,068 such properties last year.
While London saw growth, other regions experienced a decline. Excluding the capital, the number of £1 million homes across Britain actually fell by 1% in 2024.
Lucian Cook, head of residential research at Savills, attributed the mixed growth to higher mortgage costs and affordability constraints. “The market has rebalanced in favor of London homeowners due to increased demand for city living driven by the return-to-office trend. As a result, 5,000 properties in London crossed the £1 million threshold in 2024,” he said.
Outside London, one in every 73 homes is valued at £1 million or more. The North East of England recorded the highest percentage increase in property millionaires outside London, with a 5.5% rise. However, the region still holds the smallest market share overall. The West Midlands also saw significant growth, with 918 additional million-pound properties last year.
Peter Daborn, director and head of residential sales at Savills in the West Midlands, highlighted lifestyle changes as a key factor influencing property values. “Many buyers are leveraging flexible working options and moving to the countryside while maintaining easy access to London. Recent changes in school fees have also impacted the market, with families relocating to areas like Shropshire and Staffordshire to take advantage of quality education at a lower cost,” he explained.
The South East, East of England, South West, and Wales all saw a decline in the number of £1 million-plus properties, according to Savills’ analysis. These findings were based on price movements from Savills’ prime regional index.
A separate study by property firm Hamptons found that the average rent for new tenants in Britain increased by 1.8% in January 2025 compared to the previous year. This marks the slowest rate of rent growth since October 2020. Meanwhile, tenants renewing their leases saw their rents rise by 6% annually, with the average monthly rent for new lets at £1,372 and renewals at £1,263.
Aneisha Beveridge, head of research at Hamptons, commented on the rental trends: “What happens to rents on newly-let properties typically reflects in renewal rents 18 months later. We expect smaller increases for renewing tenants in 2025 compared to 2024.”
According to Savills, the number of million-pound properties in various regions in 2024 was as follows:
Buying a home in London is already expensive, but for single buyers, the costs are even higher.
Zoopla’s latest data shows that mortgage payments for a one or two-bedroom home in London average £1,500 per month, while the median salary is £3,837.
This means single buyers are spending 39% of their pre-tax income on mortgage payments.
In Aberdeen, the UK’s most affordable location for single buyers, mortgage payments are just £510—far below London’s average.
Havering is the most affordable London borough, with an average property price of £306,480 and monthly mortgage payments of £1,100, making up 29% of the average income.
Other affordable boroughs include:
Croydon: £313,550 (30% of income)
Bexley: £323,720 (30% of income)
Sutton: £323,330 (31% of income)
These areas offer the best opportunities for singles looking to buy in London.
Kensington & Chelsea is the most expensive borough for single buyers.
The average one or two-bedroom home costs £925,870, with mortgage payments reaching £3,310 per month—73% of the average salary in the area.
Other costly boroughs include:
Westminster (64%)
Camden (61%)
Hammersmith & Fulham (53%)
These areas require a much higher income and stronger financial planning for single buyers.
Mojo Mortgages research shows that single first-time buyers need more than 9 years to save for a deposit in London.
Upcoming Stamp Duty changes from April 2025:
Tax relief threshold for first-time buyers drops from £425,000 to £300,000.
The maximum purchase price eligible for relief falls from £650,000 to £500,000.
Second-home buyers will now pay tax from £125,000 instead of £250,000.
These changes could add up to £11,250 in extra tax for single buyers purchasing in London.
To minimize costs, single buyers should consider:
Exploring affordable boroughs
Buying before April 1, 2025, to avoid higher Stamp Duty costs
Finding competitive mortgage rates
Contact us today to explore London’s best investment opportunities!
Over half a million homebuyers in England are racing to complete their purchases before April 1, 2025, when upcoming Stamp Duty changes could significantly increase their costs.
Rightmove reports a 25% increase in homes sold but awaiting completion, with many buyers facing additional tax bills of up to £11,250 if they miss the deadline.
Chancellor Rachel Reeves announced in the Autumn Budget that thresholds for first-time buyers and second-home purchasers will be lowered, increasing tax obligations.
However, with property sales now taking an average of five months, delays in the conveyancing process could leave thousands of buyers paying more tax due to circumstances beyond their control.
Current Rates (Before April 1, 2025):
First-time buyers enjoy Stamp Duty relief on properties up to £425,000.
5% tax applies to amounts between £425,000 – £625,000.
New Rates (From April 1, 2025):
Relief threshold drops to £300,000, with the upper limit reduced to £500,000.
Any purchase above £500,000 loses relief entirely, subjecting buyers to standard Stamp Duty rates.
For second-home buyers:
The minimum threshold for Stamp Duty is cut from £250,000 to £125,000.
This increases the tax burden on those purchasing additional properties.
Rightmove estimates that a first-time buyer purchasing a home valued between £500,001 – £625,000 will face an additional £11,250 in tax after April.
Experts are urging the government to extend the deadline to ease pressure on buyers dealing with administrative delays.
The average UK property price increased by 0.5% in February to £367,994, lower than the usual 0.8% rise for this period.
In London, where property prices are higher, buyers could face Stamp Duty increases of up to £10,000, according to Marc von Grundherr of Benham and Reeves.
While some buyers have attempted to renegotiate offers, most transactions are moving forward despite the impending tax hike.
The UK government is also working on streamlining the home-buying process to reduce costs and delays.
Housing Minister Matthew Pennycook announced digitalisation and industry-wide coordination efforts that could save buyers and sellers up to £400 million.
If you’re considering investing in the UK, buying before April 1, 2025, could help avoid additional tax costs.
Those investing in London real estate should carefully assess the impact of these tax changes on their budgets.
Contact us today to learn more about the latest Stamp Duty changes and investment opportunities!
The UK property investment market remains strong, but a major workforce shortage in the construction sector threatens the government’s ambitious housing plans. The UK home buying process could become more complex due to the increasing gap between supply and demand.
The Labour government’s 1.5 million new home target by 2029 is facing criticism from industry experts who claim the construction workforce is simply not large enough to achieve this goal.
As of September 2024, the UK had 100,000 fewer construction workers than five years ago.
Key workforce challenges:
One-third of workers are over 50, meaning a mass retirement wave is expected within the next decade.
The industry needs 244,000 skilled apprentices by 2032 to fill the labor gap.
Brexit and pandemic-related workforce losses have worsened the situation.
Industry leaders warn that unless recruitment challenges are addressed, the UK housing crisis will continue to escalate.
Apprenticeship duration has been reduced from 12 to 8 months.
Maths and English requirements have been removed.
An additional 10,000 apprentices per year will be trained.
However, industry leaders say this is not enough.
Angela Mansell, Mansell Building Solutions:
“There simply aren’t enough workers to meet this demand.”
Bruce Benson, Mullaley Construction:
“The industry needs better recruitment strategies and financial incentives.”
The UK property market continues to offer strong investment potential, but housing supply remains a challenge.
Investing in top-yielding UK projects can still provide significant returns, but buyers should be aware of ongoing market risks.
Contact us to explore the best property investment opportunities in the UK!
Privacy Policy for Piccadilly Estates
At Piccadilly Estates, accessible from https://www.piccadillyestates.co.uk/, one of our main priorities is the privacy of our visitors. This Privacy Policy document contains types of information that is collected and recorded by Piccadilly Estates and how we use it.
If you have additional questions or require more information about our Privacy Policy, do not hesitate to contact us.
General Data Protection Regulation (GDPR)
We are a Data Controller of your information.
Piccadilly Estates legal basis for collecting and using the personal information described in this Privacy Policy depends on the Personal Information we collect and the specific context in which we collect the information:
Piccadilly Estates needs to perform a contract with you
You have given Piccadilly Estates permission to do so
Processing your personal information is in Piccadilly Estates legitimate interests
Piccadilly Estates needs to comply with the law
Piccadilly Estates will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your information to the extent necessary to comply with our legal obligations, resolve disputes, and enforce our policies.
If you are a resident of the European Economic Area (EEA), you have certain data protection rights. If you wish to be informed what Personal Information we hold about you and if you want it to be removed from our systems, please contact us.
In certain circumstances, you have the following data protection rights:
The right to access, update or to delete the information we have on you.
The right of rectification.
The right to object.
The right of restriction.
The right to data portability
The right to withdraw consent
Log Files
Piccadilly Estates follows a standard procedure of using log files. These files log visitors when they visit websites. All hosting companies do this and a part of hosting services’ analytics. The information collected by log files include internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date and time stamp, referring/exit pages, and possibly the number of clicks. These are not linked to any information that is personally identifiable. The purpose of the information is for analyzing trends, administering the site, tracking users’ movement on the website, and gathering demographic information.
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Like any other website, Piccadilly Estates uses ‘cookies’. These cookies are used to store information including visitors’ preferences, and the pages on the website that the visitor accessed or visited. The information is used to optimize the users’ experience by customizing our web page content based on visitors’ browser type and/or other information.
Google DoubleClick DART Cookie
Google is one of a third-party vendor on our site. It also uses cookies, known as DART cookies, to serve ads to our site visitors based upon their visit to www.website.com and other sites on the internet. However, visitors may choose to decline the use of DART cookies by visiting the Google ad and content network Privacy Policy at the following URL – https://policies.google.com/technologies/ads
Privacy Policies
You may consult this list to find the Privacy Policy for each of the advertising partners of Piccadilly Estates.
Third-party ad servers or ad networks uses technologies like cookies, JavaScript, or Web Beacons that are used in their respective advertisements and links that appear on Piccadilly Estates, which are sent directly to users’ browser. They automatically receive your IP address when this occurs. These technologies are used to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on websites that you visit.
Note that Piccadilly Estates has no access to or control over these cookies that are used by third-party advertisers.
Third Party Privacy Policies
Piccadilly Estates’s Privacy Policy does not apply to other advertisers or websites. Thus, we are advising you to consult the respective Privacy Policies of these third-party ad servers for more detailed information. It may include their practices and instructions about how to opt-out of certain options.
You can choose to disable cookies through your individual browser options. To know more detailed information about cookie management with specific web browsers, it can be found at the browsers’ respective websites.
Children’s Information
Another part of our priority is adding protection for children while using the internet. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity.
Piccadilly Estates does not knowingly collect any Personal Identifiable Information from children under the age of 13. If you think that your child provided this kind of information on our website, we strongly encourage you to contact us immediately and we will do our best efforts to promptly remove such information from our records.
Online Privacy Policy Only
Our Privacy Policy applies only to our online activities and is valid for visitors to our website with regards to the information that they shared and/or collect in Piccadilly Estates. This policy is not applicable to any information collected offline or via channels other than this website.
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Welcome to Piccadilly Estates!
These terms and conditions outline the rules and regulations for the use of Piccadilly Estates’s Website, located at https://www.piccadillyestates.co.uk/
By accessing this website we assume you accept these terms and conditions. Do not continue to use Piccadilly Estates if you do not agree to take all of the terms and conditions stated on this page.
The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and all Agreements: “Client”, “You” and “Your” refers to you, the person log on this website and compliant to the Company’s terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to our Company. “Party”, “Parties”, or “Us”, refers to both the Client and ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services, in accordance with and subject to, prevailing law of Netherlands. Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to same.
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Unless otherwise stated, Piccadilly Estates and/or its licensors own the intellectual property rights for all material on Piccadilly Estates. All intellectual property rights are reserved. You may access this from Piccadilly Estates for your own personal use subjected to restrictions set in these terms and conditions.
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Republish material from Piccadilly Estates
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This Agreement shall begin on the date hereof. Our Terms and Conditions were created with the help of the Free Terms and Conditions Generator.
Parts of this website offer an opportunity for users to post and exchange opinions and information in certain areas of the website. Piccadilly Estates does not filter, edit, publish or review Comments prior to their presence on the website. Comments do not reflect the views and opinions of Piccadilly Estates,its agents and/or affiliates. Comments reflect the views and opinions of the person who post their views and opinions. To the extent permitted by applicable laws, Piccadilly Estates shall not be liable for the Comments or for any liability, damages or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.
Piccadilly Estates reserves the right to monitor all Comments and to remove any Comments which can be considered inappropriate, offensive or causes breach of these Terms and Conditions.
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The Comments do not invade any intellectual property right, including without limitation copyright, patent or trademark of any third party;
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You hereby grant Piccadilly Estates a non-exclusive license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats or media.
Hyperlinking to our Content
The following organizations may link to our Website without prior written approval:
Government agencies;
Search engines;
News organizations;
Online directory distributors may link to our Website in the same manner as they hyperlink to the Websites of other listed businesses; and
System wide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.
These organizations may link to our home page, to publications or to other Website information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party’s site.
We may consider and approve other link requests from the following types of organizations:
commonly-known consumer and/or business information sources;
dot.com community sites;
associations or other groups representing charities;
online directory distributors;
internet portals;
accounting, law and consulting firms; and
educational institutions and trade associations.
We will approve link requests from these organizations if we decide that: (a) the link would not make us look unfavorably to ourselves or to our accredited businesses; (b) the organization does not have any negative records with us; (c) the benefit to us from the visibility of the hyperlink compensates the absence of Piccadilly Estates; and (d) the link is in the context of general resource information.
These organizations may link to our home page so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.
If you are one of the organizations listed in paragraph 2 above and are interested in linking to our website, you must inform us by sending an e-mail to Piccadilly Estates. Please include your name, your organization name, contact information as well as the URL of your site, a list of any URLs from which you intend to link to our Website, and a list of the URLs on our site to which you would like to link. Wait 2-3 weeks for a response.
Approved organizations may hyperlink to our Website as follows:
By use of our corporate name; or
By use of the uniform resource locator being linked to; or
By use of any other description of our Website being linked to that makes sense within the context and format of content on the linking party’s site.
No use of Piccadilly Estates’s logo or other artwork will be allowed for linking absent a trademark license agreement.
iFrames
Without prior approval and written permission, you may not create frames around our Webpages that alter in any way the visual presentation or appearance of our Website.
Content Liability
We shall not be hold responsible for any content that appears on your Website. You agree to protect and defend us against all claims that is rising on your Website. No link(s) should appear on any Website that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.
Your Privacy
Please read Privacy Policy
Reservation of Rights
We reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amen these terms and conditions and it’s linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.
Removal of links from our website
If you find any link on our Website that is offensive for any reason, you are free to contact and inform us any moment. We will consider requests to remove links but we are not obligated to or so or to respond to you directly.
We do not ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.
Disclaimer
To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website. Nothing in this disclaimer will:
limit or exclude our or your liability for death or personal injury;
limit or exclude our or your liability for fraud or fraudulent misrepresentation;
limit any of our or your liabilities in any way that is not permitted under applicable law; or
exclude any of our or your liabilities that may not be excluded under applicable law.
The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort and for breach of statutory duty.
As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.
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