Tabling.
The term used when roof verges are capped with stone slabs.

Tanalised timber.
Timbers used in construction, typically for floor joists, which have had tanalith-oxide preservative driven into their cellular structure under pressure.

Tandem garage.
A garage long enough for two vehicles to park one behind the other.

Taper relief.
A sliding-scale allowance for capital gains tax available from April 1998 based on the principle that the longer a property is owned the less tax is payable.

Tenants in common.
Two (or more) people who together hold property in such a way that, when one dies, their share does not pass automatically to the survivor but forms part of their own property, and passes under their will or intestacy.

Tenancy agreement.
A legal agreement designed to protect the rights of both you and your landlord. It should set out all the terms and conditions of the rental arrangements.

Term.
The period of years over which you take the mortgage.

Terraced house.
A house that is joined to adjoining buildings on both sides.

The National House Builders Certificate (NHBC).
A certificate of sound building issued at the time of construction. It normally gives protection for ten years.

Tie-in period.
As a condition of a special mortgage deal, you may have to agree to stay with the lender for a period of months or years after the deal has ended. If you move your mortgage elsewhere during this period, you may have to pay an early redemption charge.

Tie-beam.
The main horizontal roof beam just above the wall that connects the bases of rafters.

Title.
The right to ownership of property.

Title deeds.
Legal documents proving ownership of a property.

Title number.
The unique reference number allocated to each property by the Land Registry.

Total amount payable.
The total cost of repaying a mortgage over the loan period, including the initial amount borrowed and the interest, is the total loan payable.

Top-up mortgage.
When a lender does not offer enough funds to cover the cost of the property purchase, the borrower may choose to top up that mortgage with funds from another lender..

Town house.
A three or four storey house with an integral garage occupying the ground floor. They are usually within a town itself and are normally terraced.

Tracker mortgages.
The tracker mortgage normally follows movements in the base rate set by the Bank of England. The interest rate is set at a constant level above or below the base rate, rising and falling in line with any changes during the tracking period. Tracker mortgages tend to be for a fixed period; for example, 5 years.

Transfer deed.
This is the Land Registry document transferring the ownership of the property from the seller to buyer.

Trussed.
Timber planks framed together to bridge a space.

Trustee.
The person who has legal ownership of a property, but who is holding it for the benefit of the beneficiary.