Book a Property Valuation

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.

 

Guild Blog: The Best British Villages You’ve Never Heard Of!

Villages …

 

Grewelthorpe – a popular village near to Ripon.

 

 

Big or small, the villages in England are always a treat. From St. Ives to Castle Coombe, we’ve all seen their many wonders. But what if you’re looking for an experience that’s off the beaten path? We’ve found some of the most charming villages in the UK that you’d never heard of.

Please click the link below to find at least three villages, we’re sure you will have heard of …

 

1. Cerne Abbas, Dorset

Cerne Abbas is a Dorset treasure that’s certainly worth a visit. Located along the River Cerne, the village grew up around an abbey and is known for its lovely architecture and the ‘rude giant’ that features in its fields.

2. Hellidon, Northamptonshire

A quaint village in Northamptonshire, Hellidon is perfect for those searching for a quiet retreat. Try one of the many country walks, or if you fancy something a bit sportier, the pool and spa just outside the village is the perfect way to spend an afternoon.

3. Saltaire, West Yorkshire

Saltaire is a town next to the River Aire that was a thriving industrial village in the second half of the nineteenth century, and it is incredibly well-preserved today. The mill has now been converted into an art space and a shopping arcade. Walking through the town can make you feel like you’ve stepped back in time.

4. Framlingham, Suffolk

This market town is full of history and mystery. First known for its connections to the Howard family of Tudor fame, Framlingham is the birthplace of many other notable Brits such as Ed Sheeran. The ‘Castle on the Hill’ referenced in Sheeran’s hit single is a must-see.

5. Presteigne, Wales

Presteigne is a town right on the border between England and Wales. It’s surrounded by stunning untouched countryside, which makes it perfect for a rural retreat, but that’s not all Presteigne has to offer. There’s a vibrant high street and cultural centre, and the annual Presteigne Music Festival is an internationally known event that’s not to be missed.

6. St Mawes, Cornwall

A fishing village situated on the end of the Roseland peninsula, St Mawes is one of the most picturesque villages you’ve never heard of. It’s almost completely surrounded by the sea, which means that the views are spectacular. The community is known for its close ties and welcoming nature, making it a real Cornish gem.

7. Aysgarth, Yorkshire

Aysgarth is located in part of the Yorkshire Dales National Park. It’s home to Aysgarth Falls, one of Britain’s loveliest waterfalls, which featured in the film Robin Hood.

8. Higher Bockhampton, Dorset

Higher Bockhampton is tucked deep into the Dorset countryside, surrounded by rolling hills and high hedges. This village is the setting of Thomas Hardy’s first five books and is where Hardy was born. You can even visit Hardy’s cottage, which is now a National Trust property.

9. Hutton-le-Hole, North Yorkshire

It doesn’t get more English than this North Yorkshire village. There’s a lovely quiet stream, plenty of pubs, and moorland sheep graze throughout the village. It’s the perfect ice cream picnic spot during the summer months.

10. Lustleigh, Devon

Lustleigh might be the most picturesque village in England. It’s one of Devon’s most well-maintained villages. Thatched cottages surround a 13th century church, bookended by the Primrose Tea Rooms and a village shop. Have a pint at the pub while you watch a cricket match on the local pitch.

Are you looking for a home in one of these hidden gems? Contact your local Guild agent today.

*** FEE FREE *** Mortgage Advice Service

London and Country Mortgages

 

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.

Just click on our L&C mortgage finder to get started …

 

If you would like to find out more about the mortgages L&C have on offer, please click through to their mortgage calculator …

 

 

 

 

 

 

 

 

Guild Blog: Top Tips to Buy Land and Build Your Dream Home

Top Tips to Buy Land and Build Your Dream Home from The Guild of Property Professionals

GPEA – 26th September 2017

 

Are you dreaming of building your own home? Buying land and building a property on it is a dream many people share. But what about the logistics? Buying land and building your own house is uncharted territory for most people.

David Davies of David Davies Estate Agents has seen this process happen time and time again. With almost thirty years of estate agency experience, David has seen many people build their dream homes on land that they’ve bought for that purpose. He’s seen where things can go wrong, and all of the ways that a buyer can prevent these things from happening. Read on for David’s do’s and don’ts for building your own property.

Q: So you want to buy land to build a home. What should you be looking for in the land? Are there any red flags to watch out for? 

A: Firstly, when looking to buy land to build your dream home, carefully consider the land’s location, size, and surroundings. This includes whether the property would be an appropriate size or style that will fit with the neighbours, which will become an important factor when you apply for planning approval.

Q: Is it feasible to demolish an existing property on land that you’ve purchased?

A: Always do a land registry search. It’s a small cost to pay, but can tell you a lot about the land you’re considering. The search will be able to tell if the property is registered. If it was built before 1982, it may not be registered, and unregistered land can take time to get papers in order, especially if you’re relying on old deeds, when it may be very difficult to prove title.

If you’re demolishing a property, you will certainly need an asbestos survey. You can’t just knock a property with asbestos down, and removing asbestos can be a costly job. You’ll also need a bat survey, which usually entails an initial survey and often a ‘dawn and dusk emergence survey’. Before building, you’ll need a geotechnical survey, as without this unexpected building costs can arise, which can add thousands of pounds to your build cost.

Q: You’ve bought the land, and now want to go ahead with the build. What kind of permissions do you need, and how will this affect the time frame of building your house?

A: Step back a little. Before exchanging contracts, it’s essential to put a preliminary enquiry into the planning department. This is called a pre-application. You will need to get an opinion from the local planning department, to see if they will grant full approval to build. You can prepare and submit this yourself, as long as you can sketch a rough idea of your design. The cost of doing this is currently £140, so it’s not a large risk, but if you buy first and don’t get approval, it could be a costly mistake.

Q: What happens after you’ve applied for permission? 

A: Subject to the above, you now own the land. You then need to employ an architect or an architectural designer to save money. They will discuss your design requirements, and be warned, architects can charge up to 10% of the property’s build cost, though designers will cost less. Visit the RIBA website to find a list of local firms.

Q: What else should I be aware of? 

A: Definitely think about utilities (gas, electricity, main drains, etc.). All these things will add to your total costings. A tip here is to get your solicitor to do a ‘multi search’, which doesn’t provide all the locations of various utilities, but will help you through the process of dealing with the public companies.

Q: What about trees?

A: Check and see if there are any trees preventing your build, and if so, if there are any tree protection orders. Speak to the councils’ tree specialist; they are free, knowledgeable and usually very helpful. You may need to employ a professional tree surgeon, especially if the land is heavily planted. Try to find land that’s not too overgrown.

On another note, make sure that there’s no Japanese knot weed on the land. I’ve seen clients struggle terribly with eradicating it, and it would put me off the land completely unless the seller has it removed by a specialist, who can provide an insurance-backed guarantee that it has been successfully eradicated.

Contact your local Guild Member to find out about land for sale in your area. They will be able to guide you through the buying process, too.

If you are interested in building your dream home please contact Joplings and ask to speak to Richard or Michael on 01845 521 317.

 

 

 

Lifestyle Magazine – Fountains Abbey by John Durkin

We have received our lifestyle magazine in our Joplings offices and

we think the #Ripon front cover is AMAZING!

 

Congratulations to John Durkin for the stunning Front Cover image of Fountains Abbey & Studley Royal Water Garden for our latest The Guild of Property Professionals lifestyle magazine.

John is our youngest photographer who has entered a photo to be considered for our front cover image.  He has started studying photography at school and he is also a member of www.facebook.com/RiponCityPhotographicSociety

If you would like to have a photograph considered for our magazine front cover, please email your photograph to our Ripon Office (vicky@joplings.com) or our Thirsk Office (Amy@joplings.com), thank you. 

Please remember that your photograph must be at least 2mb in size.

Guild Blog: How to Upgrade your Home For Less

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.

Do you want to find a home to spruce up? Contact your local Guild Member today.

Guild Blog: Can your garden add value to your property?

Can your garden add value to your property?

 

Many people forget the first impression comes from the garden. Watch the video to get ideas and tips to help sell your home this summer, as well as make your garden a more enjoyable place to be.

1. Decluttering the garden can add value. Always start with tidying and give your lawn a fresh mow and tidy up any weather damage before a viewing.

2. Add some seasonal colour, like plant pots filled with flowers. This will add perceived value.

3. Start in the front garden, because this is where your potential buyer will start. The first impression counts.

4. Add a key selling point, like a summer house, play park or a jacuzzi if you want to turn your garden into a fantastic reason to buy the house. This requires major investment, but it could secure your sale.

5. If you’re looking to spend less, don’t underestimate the impact of a coat of paint on fences and sheds.

6. Style your garden with furniture. You wouldn’t show a room to a potential buyer without any furniture in it, so why show a garden without a table and chairs on the decking or patio?

7. If your home is overlooked, it’s a good idea to give the idea of privacy to the garden. If it isn’t too expensive, add hedges or trees in key spots.

Are you looking for a new home with a beautiful garden? Contact a Guild Member today.

 

Guild Blog: How to Turn your Homes Weaknesses into Strengths

To make your home appeal to the widest range of buyers, identify its strengths and weaknesses. Here are some of the most common property weaknesses and how you can turn them into strengths …

Weakness: The windows are outdated.

  • Hanging new curtains is an easy way to update your property. Install a simple metal rod and hang a neutral curtain with metal rings.

Weakness: Your kitchen needs an update. 

  • Purchase new white goods for your kitchen to avoid the cost of a complete renovation. When you’re updating, think stainless steel as these appliances are popular and modern.

Weakness: There are small, ‘awkward’ spaces in your home.

  • Hang a large mirror. Mirrors can make any space seem larger, so they’re especially important in an entryway or narrow hallway.

Weakness: Your house looks old.

  • A fresh coat of paint and a top-to-bottom clean can work wonders to turn a rustic property into a character-filled dream. Highlight the period features of your property so the house becomes historic, not just ‘old’.

Weakness: There’s no furniture in your property. 

  • Have furniture in every room to demonstrate what it could be used for.

Are you selling your home? Contact your local Guild Member today.

GDPR – Our New Privacy Policy to help Protect your Data

GDPR

 

Inline with the new General Data Protection Regulations or GDPR for short, we have updated our Privacy Policy.  This is to show how we look after your data when you come to Joplings to ask us to sell or rent out your property on your behalf or if you would like to receive marketing as you have asked us to help you find a property to buy or rent.

 

You can read our updated Privacy Policy and Cookie Policy by clicking on the links in our website footer below or here

…  https://joplings.com/your-privacy/

… https://joplings.com/cookies-policy/

 

If you have any further enquiries regarding our policies or your data preferences, please do not hesitate to contact us.

 

 

 

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