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Congratulations to London and Country Mortgages (L&C)

Congratulations to London &Country Mortgages! (L&C)

 

To have a look at what London &Country (L&C) can offer you, click the mortgages link via our website

Joplings is an established property consultancy which is a true #OneStopPropertyShop catering for all your property needs. Click through to our website for further information.

We are your local The Guild of Property Professionals agency, offering a regulated service with trained staff.

Guild Blog: The Top Ten Mistakes you may be making when buying a house.

Buying a new home is one of the most exciting things you can do.

Between looking through beautiful new houses and choosing the perfect area, it’s easy to get caught up in the thrill of new-home ownership. However, ignoring the details could end up costing you. Our estate agents have seen it all, and have identified the top mistakes that people make when purchasing a new home.

 

1. Looking at property without setting a budget 

“Taking a hard look at your finances is critical before you begin to look at property”, says Guild of Property Professionals CEO Iain McKenzie. “I can’t tell you how many people I’ve seen fall in love with a property to realise that it’s out of their price range.” After you look at your finances, consider seeking professional advice, especially when it comes to mortgages.

According to Steve Thompson of Thomas Morris St Neot’s, “buyers should fully consider their property requirements and get the advice they need to organise their finances and solicitors before they find a property so that they do not miss out.” Do your research before viewing properties, and get a good idea of what you can afford to avoid heartbreak later.

 

2. Understand their reasons for moving 

Buying a property is a huge emotional and financial decision, and certainly not one to take lightly. According to Siobhan Jordain of Boyce Brixham, it’s important to make sure that you’re running toward something better, rather than away from something unsuitable. Siobhan encourages serious thought before moving into a different area, saying that “a bit of self-reflection on what you think moving from one area to another will give you can save time and money – perhaps you just need a lifestyle change rather than a location change.”

 

3. Buying too quickly

If your property purchase is the direct result of a relocation, Steve Barron of Drivers & Norris cautions against buying immediately. Steve encourages potential buyers to “rent first, and then figure out what you like. Then you know you’ll be buying in the best area for you, rather than simply having to make an educated guess.”

4. Having too many non-negotiables

When you view a property, it’s a good idea to know what you’re willing to be flexible on and where you’re not willing to negotiate. Stick to your convictions, but keep your list small. According to Steve Barron, “it’s best to prioritise what you want, as you’ll never get everything on your wishlist.” Mark Noble of Castle Estate Agents echoes this sentiment, saying “one of the biggest mistakes I see is buyers being too fussy about a property when a few simple alterations could make it perfect.”

5. Being closed off to alternative suggestions 

“One in three people end up buying something completely different than what they thought they wanted,” says McKenzie, “so be sure to broaden your horizons while you’re looking.” The perfect property for you might not be what you think you want, so being open to alternative suggestions is critical when buying a home.

6. Not using an estate agent in addition to looking online

Steve Thompson cautions: “heavy reliance on the internet to find your home is a mistake. Although it is a fantastic source of information, simple to use and available round-the-clock, the internet will never be able to replicate the local knowledge and expertise of your local estate agent. Build a good relationship with your estate agent, and they will tell you about properties that fit your specifications before they hit the market, search for properties that might now have hit the market just yet, and think of all kinds of out-of-the-box solutions to help you find the perfect home.”

7. Waiting too long to make an offer

Celeste Hamilton-Parker, Mark Noble, and Iain McKenzie all agree that waiting too long to make an offer on a house is one of the easiest ways for someone else to buy the house of your dreams. If you have a good feeling about a house and it ticks off your list of non-negotiables, then making an offer is the sensible choice.

8. Negotiating poorly

Negotiating is an important part of the property buying process, and negotiating poorly (or not at all) is one of the most common mistakes estate agents see in buyers. According to Mark Noble, “offering a price that’s too low and then taking too long to make a more acceptable offer is the reason I see many people lose homes they really love.” Iain McKenzie has been in a similar situation. “I’ve have buyers offer the asking price on houses where the seller would have negotiated. Negotiating will almost always result in a better price, especially if you maintain an air of ambivalence at a viewing. Never gush when you view a house, as gushing will make the seller think you’re willing to pay more for the property.”

9. Appointing the wrong property professionals

“Choosing the wrong solicitor or mortgage broker can be a huge mistake for buyers” says Mark Noble. Celeste Hamilton-Parker of Hamilton Parkers agrees, arguing that “a solicitor that’s either online or unfamiliar with the area can delay the conveyancing process, and the whole process in general.” When you buy a property, be sure to choose mortgage brokers that are reputable and local to your area. Local professionals will have a much better idea of how the market in your area works than non-local brokers or solicitors.

10. Not thinking ahead

“While it’s tempting to prioritise what you need now over what you’ll need in the future, but choosing a home is a relatively permanent decision,” warns Steve Barron. “Be sure you prioritise what you’ll need in the future, as well as what you’d like now.” Siobhan Jourdain agrees, adding that you should “consider a situation where you should have to return to your original home area, and make sure that you can afford to buy back in – this is particularly important if you are downsizing and using equity as pension funding or buying in a cheaper area.”

 

Are you thinking of moving? Click here to contact your local Guild agent.

Guild Blog: Are you a First Time Buyer?

What to avoid when buying a property for the first time …

 

First Time Buyers

Buying a home for the first time can be an emotionally driven experience, especially when you consider the various elements that need to be taken into account. While there are several new and exciting things that go into buying a home, it can be a complicated process to negotiate. Often, it’s easy to focus on the smaller details and lose sight of the larger picture while possibly making mistakes.

 

Here what you need to avoid along the way…

Not getting a mortgage in principle

Once you have made the decision to buy a property, the temptation to jump into the search with both feet will be overwhelming. However, rushing in before speaking to your bank about the mortgage they are prepared to offer you could lead to disappointment. Imagine you find a house you love, only to learn it is not within your price range when applying for the mortgage. While not a requirement or guarantee, getting a Mortgage in Principle will provide you with a written estimate from a lender, giving an indication of what you can borrow.

It’s possible to apply for a Mortgage in Principle through a mortgage adviser such as L&C or directly with a lender. They will provide you with the reassurance that you are looking at properties within your price range and they will let the seller know you are serious and qualify to buy the property.

 

Not working out what you can afford

There might be a difference between the mortgage you qualify for and what you can comfortably afford in real terms. It is always advisable that you leave some cushioning in the budget. Look at your finances and make a list of your expenses before determining a budget for a property to gain a clear idea of what you can afford. Don’t stretch your finances too thin, as this will make you vulnerable if unforeseen circumstances rear their head.

 

Focusing on the flaws

You shouldn’t compromise on your ‘must-haves’ but placing too much focus on the home’s flaws might have you miss the things that really matter. Fixtures can be replaced, rooms can be made open-plan or walls can be added to create your dream home with a property that meets your essential criteria.

 

Falling in love blindly

On the other end of the spectrum, you shouldn’t overlook a home because of its flaws, but don’t completely ignore them either. The look of a home is one thing, but more serious issues such as structural damage are quite another. Often, once a buyer sees a home that they think is the one, their decisions will be based on the emotional connection rather than the facts. Be fully aware of all the property’s issues before you put in an offer. Ask your Guild agent to explain all a property’s past and current major or structural issues, or seek advice from a surveyor.

 

Waiting too long

It is crucial to make an informed decision when choosing the right home, but don’t take too long, otherwise, you could lose out to a faster buyer. Once you have found the right home, be decisive and take action to avoid disappointment.

 

Not thinking about the future

Consider aspects such as the home’s resale potential as well as your future plans. It might seem strange to think about selling the home before you have bought it but much of the home’s potential return on investment is based on decisions you make when buying, not selling.

 

Factors that will affect the home’s resale value include:

• Location

• Condition

• Type of property

• Number of bedrooms

• Garage or off-street parking.

• Investments in infrastructure, like HS2

 

Also, consider whether the home will meet your needs in the future. For example, you may not have children now but plan to shortly – this means needing an extra bedroom or ensuring that you purchase near a school with the desired Ofsted rating. Think about whether the home meets your situation now, but also if it can meet your evolving needs.

 

Are you looking for your first property? Contact one of our Guild agents today. Find your nearest office here.

 

 

(To read this blog post or other blog posts by The Guild of Property Professionals please visit their website.

Guild Blog:Top Tips to Prepare for a Valuation

Are you thinking of purchasing a new home? Wondering about your homes’ value? Click on The Guild of Property Professionals‘ blog video below to find some handy tips to prepare your property so that it looks its best.

If you would like a FREE Market Appraisal of your home, please contact our Ripon Office on 01765 694800 or the Thirsk Office on 01845 522680, we would be happy to come out to your property to discuss the value and a marketing strategy.

Joplings is an established Property Consultancy which is a true #OneStopPropertyShop catering for all your property needs. 

We are your local The Guild of Property Professionals, offering a regulated service with trained staff members, approved by Trading Standards.

Guild Blog: Which room convinces you to buy?

Which Room Convinces you to Buy your New Home?

 

When you step into a house there is naturally one room which buyers gravitate towards. The important question is, which room convinces you to buy? If you’re looking to sell your home it is useful to know which room to prioritise for open houses, images of the property or facts about your home.

Read what some of our Guild agents had to say about their experiences of which rooms convinces people to buy.

Simon Davies, Branch Manager of Norman F Brown said: “I believe the kitchen is the heart of a home. The current trend is a space where everyone can be together. Historically this was the sitting room, but recently there is a shift to living kitchens, especially if there is an open-plan design with the sitting room. The best kitchen I have seen interlinks the garden with French Doors or Modern Bi Folds to bring the outside in and make the garden more inclusive.”

Simon Bradbury, Managing Director of Thomas Morris said: “The room which I believe most convinces a buyer to purchase a home is the hallway, although it’s not technically a “room”. Normally, it’s the very first internal part of a property that a buyer will see. Therefore, the hallways establishes the tone for their experience with the rest of the property by setting a positive or negative level of expectancy. The hall should be bright and feel warm (or cool depending on the time of year) and inviting. Clutter should be put away to make the area appear more spacious. Air fresheners, diffusers, scented candles or flowers are simple, but effective methods to enhance a buyer’s first impression of a property.”

 

Does the Living Room help you to decide whether to purchase a new home?

 

Simon Miller, Partner of Holroyd Miller said: “Open-plan kitchens create the lifestyle of family and friends coming together in a space that can accommodate eating, drinking and socialising. The kitchen is normally the most expensive and time-consuming room in a home to decorate or renovate. A kitchen already supplied with good quality appliances and high-end worktops are favourable. Buyers are usually looking for minimum effort, focusing on moving in and opening a celebratory chilled bottle of fizz.”

Steve Wayne, Director of Benjamin Stevens Estate Agents said: “The centre of any home is often thought of as the kitchen. Depending on the size of your kitchen, it can often be the social hub of any home. It is where loved ones come together and a space in which you can get creative, both in design and culinary delights. The advantage of an eat-in kitchen allows for communal meals and socialising. Good food and communication makes for a happy household.”

Jenny Owen, Head of Marketing for Sawyer & Co. said: “A room with a view is always a great selling point for buyers. A well-fitted, spacious bathroom is really popular and at the moment.”

Pav Lotay, Account Manager for the Guild of Property Professionals Head office said: “For me, the living room is the most social space in a property and the area which I spend the most time in. This is the room that stands out the most and would convince me to buy. I look for a homely property: a spacious living room where I can see myself having guests to visit and putting up a Christmas tree.”

Are you looking to sell your property? Contact one of our Guild agents today. Find your nearest office here.

Yorkshire Day 2018 in Ripon

Yorkshire Day 2018

 

Click through to our Facebook page using the link below to see some of the images from Yorkshire Day in Ripon …

At 10am this morning there was a Civic Parade from the #Ripon Spa Hotel, around the historic market place with its Town…

Posted by Joplings on Wednesday, 1 August 2018

 

A Yorkshire Rose from all at Joplings – have a lovely day!

Unexpectedly Reoffered For Sale – Forest Drive, Dishforth

4 Forest Drive, Dishforth

 

Situated in the attractive village of Dishforth, this extended, detached family home has many of the desirable characteristics for modern family living.

Viewing of 4 Forest Drive is highly recommended to see the space this property has to offer …

Follow the link to our website to find out more … https://bit.ly/2FwtPRy

 

More about the Village of Dishforth

Dishforth is an active and attractive village and is handily located between Boroughbridge, Ripon and Thirsk with good links to the A1 and A19. The village benefits from a village school, Dishforth C of E Primary School which achieved Outstanding in its last OFSTED inspection, a part-time Post Office and two Public Houses. There is an active outdoor Bowling Club with a Sports field and Sports Pavilion and to the rear of the sports pavilion is a village children’s play area.

Property of the Week – 4 Watermill Close, North Stainley

Our Property of the Week is a fully-refurbished, detached family home in the sought-after village of North Stainley.

 

This attractive double-fronted, family home with pretty pond-side location, is ready for you to move into!

From the central hallway with stairs leading to the first floor, the property has a contemporary living, dining kitchen with light coloured shaker style units with new appliances and brushed stainless steel sink and tap. A spacious through lounge leads to a conservatory which gives access to the enclosed rear garden. A side gate leads to the garage and parking space for one vehicle. To the first floor, the light and airy landing leads to two double bedrooms with built in wardrobes and a further single bedroom. The newly renovated bathroom benefits from a P-bath with rainfall and hand-held shower head, pedestal wash hand basin and WC.Visit our website for further information by clicking on the photo below or contact our Ripon Office on 01765 694800.

A pretty pond-side setting

 

To find out more about the village of North Stainley and its active community please click here.

Joplings is an established property consultancy which is a true #OneStopPropertyShop catering for all your property needs. Click through to our website for further information

We are you local The Guild of Property Professionals agency for #Riponand #Thirsk, offering a regulated service with trained staff members.

 

 

Guild Blog: How to Save a Deposit for your First Home

HOW TO SAVE A DEPOSIT FOR YOUR FIRST HOME

 

The bottom line of raising a deposit is that you need to save money! Here are some top tips to help start you on your campaign to turn your pennies into pounds:

  • With a realistic monthly saving plan, you can rest assured you have started the wheels in motion – there is a lot to be said for initiating the ‘saving’! A deposit can seem like a daunting figure, so taking it month by month will take some of the pressure off. Even if you aren’t sure how much you will ultimately need, you can always begin saving.

 

  • There are plenty of free online budget templates you can download which will help you to assess your finances. As well as fixed monthly costs, such as bills, you would be surprised how much you spend on seemingly small items. Start this process by reviewing your previous months spend to avoid forgetting or being too optimistic.

 

  • Avoid overestimating the amount you can set aside each month. Settle on a minimum figure and, if you have an extra good month, you can always transfer some extra pounds into your savings account. Trying to save too much is likely to put you off and leave you feeling disappointed.

 

https://www.guildproperty.co.uk/blog-box-view/1454924560/1480067579/how-to-save-a-deposit-for-your-first-home?post_width=contained&utm_content=bufferc490e&utm_medium=social&utm_source=twitter.com&utm_campaign=buffer

  • Before you choose an account, do some research as interest rates can vary. Since saving for a deposit is a long-term goal, it may be that an account which gives you better interest rates, but does not allow you instant access is more appropriate. Take your time working this out as it’s important to make your money work hard for you! Remember that a savings account is not for life: periodically assess whether moving your savings could be more beneficial.

 

  • Take the chore of transferring out of your life and transfer the money automatically with a standing order or direct debit. This stop you from thinking, hesitating or reallocating those funds.

 

  • Your family and friends will understand your goal – so ask them for support. Find cheaper midweek deals to meet with friends and swap dinners out for a nice meal in.

 

Saving can be a struggle; often, the first few months are your best as you are focused and dedicated. Since this is a long-term plan, you may need to find ways to reinvigorate your savings at varying points, but also remember there are times to give yourself a break as long as you continue to save your minimum amount.

 

If you would like FEE FREE Mortgage Advice

please click here for advice from London and Country Mortgages

 

Guild Blog: How do you know when it’s time to sell your home?

Have you decided that it is time to sell your home?

 

 

Are you thinking about putting your property on the market, but aren’t sure when or how? It can be difficult to know exactly when you should sell your home. However, there are times and seasons when selling your home is almost certainly the right thing for you. Whether your reasons are personal or market-driven, we’ve identified some of the best times to think seriously about selling your property.

1. Your family needs more space

Your family may not be expanding, but if the people in your house are growing restless, it’s time to consider a change. As young children grow into young adults, many parents move into properties where each child can have their own room. Adding private spaces and larger rooms can also accommodate your family’s needs, so bear that in mind when you’re looking at properties. Knowing that your family needs more space is a key factor in determining if you should put your home on the market.

2. Look to the seasons

The autumn and spring are known for being good times to sell your property, and for good reason. Potential buyers aren’t busy with holidays and Christmas parties during these seasons. The spring coincides with an increase in sunlight and a blooming garden, both of which do wonders for the appearance of your property. In the autumn, the fading light and multicoloured leaves add a romantic touch that’s unparalleled. If you’re selling, try to time putting your home on the market with the beginning of the season.

3. Your family is expanding 

Whether you’re expecting a child or welcoming a parent, there are plenty of family expansions that will require more room for everyone. If you know that your property won’t be able to accommodate everyone, it’s time to put your home on the market.

4. You’re not excited to go home at the end of the day 

Is your home a place where you can rest and relax? Do you feel safe in your neighbourhood? These are all signs that it’s time to start looking for a new home. Your home should be a place where you feel comfortable and relaxed, and anything less should have you looking elsewhere.

5. The local property market is flourishing

Have you been toying with the idea of moving for a few years, but never knew when the time was right? Putting your home on the market when it is flourishing will increase your chances of a speedy sale. But how do you know when the market is flourishing? Speak to your local agent and look around your neighbourhood. Are there plenty of sold boards around? This is a good indication of the state of the property market in your area.

6. You’re considering buying a new property

If you’re thinking of moving house, put your own home on the market first. That way, you’ll be free to make an offer when your dream home comes along. Worried that a buyer won’t want to purchase your house because you haven’t secured another home? Most buyers are very understanding, and will appreciate your honestly if you’re up-front with them about not having found another home.

Are you considering selling your home? Contact your local Guild agent today.

 

Please call in to discuss your requirements - our friendly staff are always happy to help

10 North Street, Ripon North Yorkshire, HG4 1JY Telephone: 01765 694800 Fax: 01765 694801 ripon@joplings.com
19 Market Place, Thirsk North Yorkshire YO7 1HD Telephone: 01845 522680 Fax: 01845 526055 thirsk@joplings.com