Whether you are a First Time Buyer, Buy to Let Purchaser, moving to your next home or wanting to remortgage your property, as part of The Guild of Property Professionals, we have been able to join with L&C Mortgages Ltd to provide FEE FREE MORTGAGE ADVICE! and there are a wide range of mortgages available.
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We are delighted to be selling as our POTW, a semi-detached bungalow with two double bedrooms situated in the popular south side of Ripon on Whitcliffe Crescent. The property has been a well-loved home but is now in need of some modernisation. Click through to OnTheMarket. com for further information – https://www.onthemarket.com/details/6266332/
The property benefits from a good-sized garden which has scope and potential for the further development of the property, subject to the necessary planning consents.
Contact our Ripon Office on 01765 694800 to arrange a viewing.
Converting a derelict property into a beautiful home is a dream for many. But what do you need to know before embarking on a renovation project?
Renovation projects can be few and far between. When one comes on the market, many people may try to snap it up to make a profit or create their dream home. Register your interest with your local Guild Member to hear about suitable properties as soon as they come on the market. Also, check your local auction house.
If you have seen Grand Designs, you know that building projects often go over budget. Plan realistically and have a large contingency budget.
There is a lot of legal work to do before starting a build. Check building restrictions in the area or on the property itself and apply for planning permission.
Conduct several surveys before building starts to assess the building and work out exactly what you need to do.
Who is going to project manage the build? A professional could do everything for you, or you could do it yourself. From coordinating tradespeople to liaising with the planning department, arranging inspections, organising paperwork and get everything signed off.
Joplings are able to help and advise you with your Architecture, Planning and Project Management needs. Please contact Michael or Richard on 01845 521317 and have a look at the Architectural Services on our website
The Guild is a network of the best 800 independent estate agents around the country. Find out why you should choose them to sell your home. Click here to find your closest Guild Member.
Packing up and moving to another city, or for that matter, another country, is a major undertaking. It takes a great deal of preparation and is imperative to do the necessary research and weigh up all the options before making the final decision. Regardless of whether it is relocating to another part of the country or abroad, there are essential elements that need to be assessed in each potential neighbourhood to ensure you will settle in.
Does the area provide an easy commute to the office? It’s fair to say that most people spend a significant portion on their day commuting to and from work, so the distance between the two is an important consideration. Other aspects to think about include access to public transportation, service hours, route and stops. If you travel often, find out if the area is within reasonable proximity to an airport, or if there are transport systems linked to the airport for easy commuting.
Location is paramount in real estate and proximity to public transport can have a positive impact on the appreciation of the home’s value over time. Global property market studies have shown that home values tend to rise faster in areas that are close to bus, train and underground stops.
The local businesses
Are the retailers and businesses in the local area the ones you frequent regularly, such as the bank, pharmacy and grocery store? Ideally, you would want these kinds of establishments conveniently located to your potential new home. A trendy coffee shop or gourmet deli are excellent places to catch up with friends but being close to a grocery store that stocks your daily staples is far more practical.
Even if you don’t have children, the quality of the schools in the area is an important aspect to consider because of the influence they have on property pricing. Figures from the Department for Education (DfE) show that homes near the best performing primary schools are 8% higher, and 6.8% higher when near to the best secondary schools. This can largely be attributed to the high demand in these areas due to parents wanting to be located within the school’s catchment area. The catchment areas for schools that have an Ofsted rating of ‘Outstanding’ see the highest returns on investment.
Considering the amenities in the area is important because they influence the home’s investment potential, however there is another element that relates to your personal needs and wants. If you rate culture very highly then you will more than likely want to be near art galleries and theatres, whereas if you are someone who enjoys the nightlife then you would probably want to be close to good restaurants, pubs, or nightclubs. A sports enthusiast would want to know the distance to the stadiums and athletic arenas in the area. There is also the matter of free entertainment, such as parks, museums and libraries.
This is not a reference to the country’s economy, but rather more specific factors which influence the neighbourhood, such as a high crime rate. There will be telltale signs if an area is experiencing a financial decline or is poorly managed by the council. These signs include houses in need of attention, rundown parks, littered streets, and businesses closing. People will be eager to move out of the area, so look for an unusually high number of ‘for sale’ signs.
While there are many other aspects to think about before moving to a new neighbourhood, these guidelines will assist you to find the right area to meet all your needs, regardless of whether it is in the UK or abroad.
If you are interested in moving, have a look at some of the properties The Guild has to offer.
When it comes to selling your home, making a good first impression is vital. Here are our top five things to avoid when trying to entice prospective buyers:
1. Poor light
Light and warmth are two of the most important factors to attract a potential buyer, especially in the colder months. Make sure your home is well-lit: open your curtains or blinds and if there is low natural light, turn on some lamps.
Most people expect their home to be a place of peace and tranquillity. Avoid organising viewings at a busy time of the day and if you have noisy neighbours, avoid the time of day they are usually at home.
Persistent smells such as pets, cigarettes or pungent food can be a real turn-off for prospective buyers. Avoid these smells by taking your dog for a walk, lighting some candles and opening a window.
Clutter is not only distracting, but it could indicate that the property does not have adequate storage. Make sure your home is tidy when viewers arrive and if all else fails, self-storage is a great solution.
5. Untidy gardens
The first thing most visitors see is the exterior of your home. Make sure your bins are tidy and your garden is well-maintained. No one likes an overgrown, messy garden.
Are you looking to sell your home? Contact your local Guild Member today.
Getting into the property market and owning a home is a milestone that many aspire to. Buying a home can have an impact on your financial situation for the rest of your life. However, while the idea of owning a home is exciting, it is vital that you only take that step when you are completely ready to do so. This is because being a homeowner requires desire, sustainability and a long-term financial commitment.
Aside from finding the ideal first home and dealing with the sometimes-complicated home-buying process, there are other elements to consider and contend with, such as other buyers. There are several aspects that need consideration from both a financial perspective and an emotional standpoint before making the decision to purchase a property and knowing that it is the right time for you.
Here are a few pointers to think about before making your final decision:
Are you settled and ready to put down roots?
Buying a home often requires a deposit, mortgage costs, solicitor fees, insurance premiums and maintenance costs. For this reason, it rarely makes financial sense to purchase a property for a short period. Depending on the market, it can take between five and seven years to build up some real equity, so buying only makes sense if you are planning to stay in the house for at least that period.
Are your finances in order?
There are buyers who can afford to buy a property in cash, but most still require a mortgage. Before applying for a mortgage, you need to focus on minimising your expenses and paying off debts to create as much expendable income as possible. The last thing a prospective lender wants to see is that you owe a lot of money on credit cards or outstanding loans. Paying off your debts will demonstrate that can manage your finances.
Remember, credit scores matter, so get a copy of your credit report to see what lenders see when they review your application. If need be, there are lots of simple things you can do to give your credit score a boost, such as checking you are on the electoral roll.
Are you thinking of switching jobs?
Lenders want to see the you have been with your employer for a while before they are willing to give you a mortgage. This means that you can either wait until you have a mortgage and then move jobs, or delay buying a home and settle into your new job before applying. Usually you will have to have been with your new company for at least three to six months before approaching a lender for finance.
Do you have the savings in place?
You can’t separate savings from homeowner readiness, they go hand in hand. Home buyers are required to put down a deposit and the more you can the better. Having a large deposit will increase the number of mortgage choices available to you. Lenders will reserve the best rates for people with big deposits, so you will benefit from a lower monthly payment.
A deposit is not the only aspect to consider when it comes to savings. You will also require money for any updates or renovation to the home, possibly some new furniture and appliances and moving expenses.
Transitioning from a tenant to a homeowner means taking on the full responsibility for the property. If anything in the home requires repairs or maintenance, the buck stops with you. For this reason, it is a good idea to be financially prepared by having a contingency fund in place to be able to deal with any repairs as and when required.
Is it the right time?
Timing is a crucial aspect to homeowner readiness. Ideally you want to be ready to buy, but also be able to wait if necessary. As a tenant you don’t want to have another six months left your lease and lose out on the right home, Conversely, you also don’t want to rush with only a month to find a home.
Purchasing a property is a big decision – it is never good to rush into it without giving it the consideration it deserves. That said, it is also not ideal to hold back too long and let an opportunity pass by because you are not prepared.
One of the signs that show you are ready to own a home is understanding it is not always going to be easy. Being a homeowner takes time, effort and money. However, even though there are likely to be a few challenges you face along the way, the result is a home that you can call your own.
Ready to be a homeowner? Let one of our agents help you.
Putting your property on the market is an exciting time. The photos are taken, the floorplans completed, and the home is perfectly presented, so it’s time to start the viewings. But how many should you expect? What if viewings are not as regular as you hoped? We asked Guild agents to share their tips and advice.
Check the price
One of the biggest deterrents for a viewing is the price. “How does your home compare to competing homes on the market?” asks Ian Southall from Chess Moves of Tewkesbury. “Query your agent if you think the price is set too high and consider talking to agents who quoted a more realistic price during the valuation.”
Martin Moore from Morris Marshall & Poole in Tywyn, Gwynedd agrees. “If a property is getting no viewing interest at all, then the first place to look for an answer is the asking price. Compare the property with others for sale around it and see if it compares favourably, if not you need to think about a reduction.”
The price needs to attract potential buyers, points out Steve Thompson from Thomas Morris in St Neots. “The housing market is now incredibly transparent, information on marketing and sale prices of similar properties is easily available on the web, so it is important that properties are marketed at a realistic price. Nothing turns a buyer off quicker than a house that is perceived to be over-priced.
Pick an estate agent well
“There’s absolutely no point in appointing an agent who isn’t embedded in the community, you need an agent who knows all about the area, is connected and recommended, but also one that knows where your target audience is,” said Simon Miller, from Holroyd Miller in Wakefield.
Mark Noble from Castles Estate Agents in Swindon agrees. “Without a shadow of a doubt, if a property is well-prepared for the market, it will get a better response and potentially a higher offer. In reality, if you market the best-presented property with an estate agent who is not motivated, then the property can easily stagnate in the marketplace.
“There is a misconception that all agents are the same and that popping a property on a portal will do the trick. The more motivated the agent you choose, ideally a traditional agent who will fight for your price, in most cases achieve higher prices as well as selling more properties.”
The approach that an agent has can have a big impact too, says Linda Mortimer of Mortimers Estate Agents in Woodbridge. “If an agent bombards a potential buyer with lots of questions and insists they speak to their mortgage adviser before even handing out any details, you can be sure you will be missing out as an aggressive approach can send some people running for the door.
“Buyers usually enter an agent’s office because something in their front window has drawn their attention. Greeting a potential buyer in a friendly way and then giving them details of what they are enquiring about is a better way to encourage them to discuss the property they have shown interest in. The agent can then proceed to offer their time to show them the property. This calm approach is far more likely to result in a viewing or even a sale.”
Spruce up the property
“Aside of de-cluttering, attending to those long overdue maintenance jobs, and ensuring everything is visually appealing for the marketing materials, the best route to more viewings is to employ the right agent,” advises Simon Miller, Holroyd Miller, Wakefield.
Vicki Field, Cooke & Co, Kent, always recommend for sellers to have a good clean and tidy throughout and to de-clutter. “Try not to de-personalise your property, as making it feel homely to viewers gives them a feeling of what it would be like when they are living there.”
If you have already moved out, it may be a good idea to add furniture. Linda Mortimer, of Mortimers Estate Agents in Woodbridge, says: “If you are selling an empty property of a higher value, it’s worth looking into getting it furnished. It makes a huge difference. Coincide the furnishing with an open house and you can be guaranteed viewers, maybe even an offer or two.”
Nicole Woolley, Goodwin Property, Stamford, said: “Be sure to tidy up, and not just inside the home, but outside too, even if you have an apartment. A lot of buyers won’t even step outside the car if the kerb appeal is not good enough. If there is paint peeling on the front door or windowsills have them repainted, fixing them is money well spent. Have a good clear out and declutter; if you have rooms full to the brim then buyers will need a good imagination to see the potential, and the same goes for the garden. Mow the lawn, trim the hedges, weed the flower beds. Try to show a lifestyle in your home; properties sell much faster if a buyer can imagine themselves living there.”
Who is your likely buyer?
“Consider targeting your market and draw attention to the benefits the property can offer a particular type of buyer,” suggests Martin Moore, Morris Marshall & Poole, based in Tywyn, Gwynedd. “For example, if you are selling a property that would suit a buy-to-let investor, think about offering an initial period of guaranteed rent. Even simple things like providing a list of schooling options with a family home or explaining the convenience of public transport in the commuter belt could help. You will, however, need to make it individual to the house rather than relying on the generic information provided by the internet portals.”
Invest in photography
“Many people now judge properties through online platforms, so the better the picture, the more chance of your potential buyer investigating further,” said Ian Southall, Chess Moves of Tewkesbury. Stand back from your home and ask yourself what could be improved upon. Is the garden tidy? The décor is another key factor.”
Martin Moore from Morris Marshall & Poole in Tywyn is also keenly aware of the importance of high-quality photos. “Most people start their search on the Internet and this is a very visual medium, especially on mobile devices. People often skip over the text, so properties with good external and internal photographs and floor plans get noticed. Invest your time wisely in this area and use professional services where appropriate, ensure also that the property is well presented with the photographs as high-resolution images show great detail. Always have a good selection of photographs available and change them frequently so that the listing does not become stale.
Vicki Field from Cooke & Co in Kent had some alternative photography tips. “Ensure your agent makes the most out of your most valued asset by taking good photographs on a sunny day and remember to keep the toilet seat down! It always helps to make your home aesthetically pleasing from the outside, so maybe brighten it up with flowers and flower pots.”
Jennifer Butler, Trading Places in Leytonstone, London, said: “Before engaging in the photography, make sure your home is ready. Declutter, clean and pay attention to the front of your property and the rear garden.
“Perhaps have the photography carried out over two days, allowing a couple of rooms to be used as temporary storage areas, whilst the rest of your property is being photographed. Afterwards, you can empty out those rooms and the photographer can return the next day to finish the job. Rushing the photography would be a big mistake.”
Steve Thompson from Thomas Morris in St Neots says that photos are a crucial first impression. “It is important not only that the photos show the property at its best, but also that the quantity of pictures right. Too few may lead to potential buyers either assuming that there is something wrong with the property or deciding not to view as they couldn’t get a reasonable impression of the property.”
“As an estate agent, I am particular about the weather for photos. A clear blue sky on a sunny day will show the natural warmth and brightness of the house,” says Jamie Fisher, Taylor Milburn, Essex.
Best mix of exposure
“It is crucial that the property is exposed to the maximum number of potential buyers to attract the maximum number of viewers. An attractive price and great photographs will mean little if they are kept a secret,” said Steve Thompson from Thomas Morris in St Neots.
“Many agents in recent years have focused all of their marketing on the internet through the myriad of property websites including major property portals such as Rightmove and Zoopla and their own websites. This is incredibly important, but providing the widest possible exposure must include far more. Other areas of focus can include; advertising in newspapers, advertising in office windows, advertising across local, regional, national and even international branch networks, promotion on social media, marketing to known/registered buyers via phone and email, for sale boards and leaflet drops. A good agent will cover these areas and more.”
How many viewings should you expect?
“In the current busy market in Margate and the surrounding areas, we look to have a surge of viewings within the first week with offers coming in – if this isn’t the case then a price reduction or amendments to the details could certainly help,” said Vicki Field of Cooke & Co, based in Kent.
“Check the demand,” suggests Jennifer Butler, Trading Places of Leytonstone in London. “As a proactive estate agent, we monitor internet click through rates and constantly review market activity for all types of property. Some property types will be more in demand than others so it’s important to know the current market and manage the seller’s expectations, especially when it comes to the number of viewings they should expect to receive.”
Could a lack of viewings just be one of those things? “Sometimes it’s just a blip. Viewings can be like buses. None for ages then three at once,” says Linda Mortimer, Mortimers Estate Agents, Woodbridge.
“There will be a week or two where things go quiet. This is when your agent needs to retake pictures and move things around on the websites and window displays. A refresh is always a good idea.”
Be prepared early, advises Nicole Woolley, Goodwin Property, Stamford. “Don’t forget you will see about five or six times as many people in the first couple of weeks as the subsequent weeks – make sure everything is ready and that your agent is fully briefed.”
How many people should you expect, though? “Viewing in the first month is important and if ten people are not through the door, things need to be changed,” advises Jamie Fisher from Taylor Milburn in Essex.
We all want to add value to our homes. After all, property is one of the best investments so why not make the most of it. The rule of thumb when it comes to adding value is to utilise what you already have. Any additions that are too costly might not bring you much of a return when you sell, so work with the space and think how it could be transformed to make it more useful.
Here’s a list of some of the most worthwhile alterations and additions that can add great value to properties. Remember, it’s important to think about who the most likely buyers are and to go for improvements that will be most beneficial to them.
Although large gardens are becoming less and less attractive, as a nation, we do value the addition of outdoor space. Making your garden feel like another reception room could add heaps of value to your property, especially if it’s currently somewhat neglected. Simply adding decking or a patio can turn a garden into a great entertaining space. Summer houses are other welcome additions, especially when staged as an extra room to enjoy.
Make the most of the garden space you have!
Whether you have a big garden or not, first impressions count! So, if you’re selling your property you need to give the garden space that much needed curb appeal in order to gain the right attention! Even simple things like tidying up the lawn or sweeping up the leaves make all the difference – Here is a list of top ways to add value to your garden.
Convert the garage
Most people would prefer an extra reception room to a garage. If you have permission to do so, then you could convert the garage to add a square footage to your home. Depending on where your garage is located, they can make fantastic playrooms for children or home offices. It is important to utilise the extra space you have. Any added space is better than nothing!
Having somewhere to park the car is a big plus for most buyers. In 2014, 29.6 million cars were registered for use in the UK, which is a 9% increase on the previous year. We clearly do like our vehicles and parking spots are becoming even more scarce, making them especially valuable. Even if your buyers don’t drive, they will value the space for when family and friends come to visit. If you don’t already have parking but do have a front garden, consider paving part of it to create off-road parking. You might have to apply to have the kerb dropped, but it’s still well worth investigating.
Conservatories are another great way of adding square footage to your property. Consider adding one next to your dining area or kitchen to increase the size of this hugely appreciated space. And make sure you keep it at a comfortable temperature as any rooms that are too hot or cold could put buyers off.
Kitchens are the heart of the home and there’s nothing more appealing than a big welcoming room in which to cook up a feast and entertain. If you only want to improve one room, then definitely concentrate on the kitchen and add a few wow-factor touches to really make it stand out.Read more about renovating your kitchen on a budget.
Add an extension onto the kitchen
Expanding the kitchen onto the side and to the full width of the rest of the property means that you will gain valuable space. As previously mentioned, a big open plan kitchen presents a warm welcome and inviting environment – which is guaranteed to add value to your property in the long run.
After the kitchen, your bathroom should be next on the list for an overhaul if it’s looking dated. Opt for a crisp white suite so it appeals to lots of people and add a few ultra-stylish features to make it a room to remember. This can be an expensive investment, however, if it’s something that needs doing then it becomes a necessity.
It might seem obvious, but adding central heating to a property that doesn’t already have it will really help to increase its value and appeal. It’s considered essential and buyers could try and offer less money if they need to get it installed.
At the very least, make sure you fix any structural problems before you put your house on the market to maximise your chances of getting your asking price. If your property is structurally unsound, buyers are likely to use this as leverage to negotiate as they will know they will have to invest money upfront fixing those problems.
Making your home more environmentally friendly with the likes of solar panels, wind turbines and good insulation can increase its value. If your home is cheaper to run, it will stand out in the property market and you can usually add a premium to the price.
Moving home is a complicated process, and so getting it right is crucial. Whether you are a first-time buyer, or an experienced home owner, here are our top five tips to help you sell and move in as quickly as possible:
1. Fail to prepare, prepare to fail
Preparation is pivotal to selling your property. Make sure your photos are done, have all your paperwork in order and be prepared to accept viewings.
2. Make sure the price is right
This may seem obvious, but ensuring your property is priced correctly and competitively will save you time in the long run. Your agent will give you the best advice based on the market and current demand.
3. Perfect presentation
To ensure your property is presented properly: make sure your home is well lit, de-cluttered and sparkling clean.
4. Choose a mortgage provider
A mortgage provider can talk you through the steps of getting a loan and calculating how much you can afford for your property. Your estate agent can put you in touch with the right mortgage provider, or you can do the research yourself to find the best for you.
5. Find the right solicitor
The more efficient your solicitor is, the quicker the process will be. Make sure you provide all the necessary identification and initial paperwork so that your solicitor can prepare in advance. You could save yourself a lot of time and energy.
If you are looking to sell your property, contact your local Guild Member today.
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.
The home you purchase isn’t always your dream property, but you can turn your property into the home of your dreams with a few quick fixes.
Here are some tips to upgrade your home for less.
1. Paint your kitchen cabinets
Freshly painted cabinets give the kitchen an update without the cost of a full renovation. Choose light colours to brighten the space.
2. Add mirrors
Mirrors can make any space seem larger and are an easy way to ‘open up’ a room.
3. Invest in landscaping
Consider adding some landscaping to the front of your property. A tree or two works well in a more rural environment, and never underestimate the power of a few potted plants in an urban home.
4. Add wooden floors
Wall-to-wall carpet is no longer a popular choice, as homeowners now prefer wooden floors that they can choose to put a rug on. Consider vinyl flooring in a wooden pattern to get reclaimed wooden floors for less.
5. Freshen the front door
First impressions count, so choose a front door in a neutral glossy shade or pick a bright colour with personality.