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Guild Blog: The Guild comments on the Autumn Budget

The Guild comments on the Autumn Budget …

Briefly discussing the housing market in his third Budget as chancellor, Phillip Hammond announced that he will extend the cancellation of stamp duty for first-time homebuyers on properties up to £300,000 to first-time buyers of shared ownership properties valued up to £500,000.  He also stated that the measure would be retrospective, so that any first-buyer who has bought a home since the last Budget will benefit.

According to Iain McKenzie, CEO of The Guild of Property Professionals, removing Stamp Duty on all shared equity purchases up to £500,000 is great news for prospective homebuyers getting into the market for the first time, but will do little for those who currently own property and wish to trade up. “Since the abolishment of the stamp duty for first-time buyers, many more people have been able to get their foot on the first rung of the property ladder. In fact, as Hammond announced, the number of first-time buyers purchasing property is at an 11-year high. However, it seems that the last two first-time buyer incentives have been designed to drive the focus away from the traditional second-hand market. Initially Help to Buy and now the incentive to buy shared equity property,” he says.

 

More money for Housing Infrastructure Fund

Hammond also announced that he will give a further £500m to the Housing Infrastructure Fund, which is designed to enable a further 650,000 homes to be built. “The demand for housing in the UK has long outweighed the number of available properties. This further allocation of funds will assist the government in addressing the housing shortage and will create more opportunities for people to become homeowners,” said McKenzie.

 

Housing on the high street

McKenzie adds that another interesting point that the Chancellor made was turning unused commercial spaces on the high streets into residential housing, again in a bid to ease the burden of the housing shortage, as well as rejuvenating the high-street and creating more foot traffic past high-street businesses. An amount of £675 million will be put into a future high street fund to redevelop un used areas and help the high streets adapt and increase interest for local businesses.

 

Lettings relief limited

In the Budget, Hammond said that from April 2020 lettings relief would be limited to properties where the owner is in shared occupancy with the tenant. “The lettings relief is often used by people who have difficulty selling their home, whereby a maximum of £40,000 of gain per owner is exempt if the property is rented out. It seems that small landlords are being targeted again with the reformation of the lettings relief, as it is only available where the owner and tenant are in shared occupation,” adds McKenzie.

 

International investment

Permanent tax relief has increased from £200,000 to £1 million for 2 years to encourage more investment. “With many international property investors adopting a wait-and-see attitude towards the UK before the Brexit decision, a tax relief could be a great incentive to allure them back in and encourage further investment in the country. However, the extent of this will remain to be seen,” said McKenzie.

 

“Overall an encouraging Budget for housing in the short term, but the real question remains. What is the government’s long-term strategy? More still needs to be done to encourage transactional volumes and price growth in all sectors,” he concludes.

Guild Blog: Property Predictions for the Housing Market of 2018

Looking back over 2018, have the housing predictions from earlier in the year and before the Spring and Autumn Budgets come to fruition?

 

 

 

What will happen to the housing market in 2018?

There are lots of housing predictions, from big growths to slight falls in house prices, but overall, most experts predict a slight rise in prices of around 1%. Find out what the big forecasters, RICS, Nationwide and Rightmove, predict in our quick video. Small house price increases mean that it is a good time to move. You can get a good sale price for any current property you own, and there is not a huge rush to buy, so you can take your time to find your dream home.

 

If you would like to discuss the market value of your property with a Guild of Property Professionals’ Valuer, please contact us at our Ripon Office on 01765 694800 or our Thirsk Office on 01845 522680.

 

 

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 homeClick here to find your closest Guild Member.

 

 

Property of the Week – Low House, Westerdale, Whitby

Thirsk Property of the Week … Low House, Westerdale, Whitby

… from your local #OneStopPropertyShop and The Guild of Property Professionals agency for #Ripon and #Thirsk 

*** Viewing is highly recommended to appreciate this unique property ***  Contact our Thirsk Office on 01845 522680 to arrange your viewing!

Low House is a picturesque Grade II detached property situated between the village of Westerdale and Castleton in the heart of the North York Moors National Park.

The property enjoys the most beautiful views overlooking Westerdale. Set within approximately fourteen acres of gardens and paddocks this really is a rare opportunity to purchase such a charming and old house, (parts of which date back to 1673) full of character and with many period features.

 

To find out more click through to the property information in our website – https://bit.ly/2tviyNu

Guild Blog: How do I know if my house is haunted?

Halloween is known for its eerie tales, creepy ghouls and mysterious occurrences. We have put together a collection of spooky stories, inexplicable sightings and things to look out for. Here is a tongue and cheek look at how you know if your house is haunted. 

 

1. What’s the history?

School Lane, Turville – This quaint three bedroom property is based in a small village in Buckinghamshire and comes with an intriguing history. The tale of ‘The Sleeping Girl of Turville’ plagues this adorable village with a mystery that is yet to be solved. In 1871, Ellen Sadler fell asleep and did not wake for nine years. The case attracted the attention of the international newspapers, medical professionals and the public. Ellen became a tourist attraction for years, but not without sceptics questioning the anomaly.

2.  There’s something in the air

Darren Challis, Director of Chambers Sales and Lettings said, “I would say ask a medium to attend the property and tap into the spirit world at that location.  I can usually tell if a property has a positive or negative vibe just by being there and getting a feeling around. Sometimes the negativity can rub off on the occupants and in some cases the property will have this affect for years.”

 

3. Ask the agent

Brain Carlisle from JR Hopper & Co said, “There are a number of houses in the Dales where viewers have commented about a “bad feeling” or not being comfortable in the house. In these instances move on as they will not buy. Having said that, if I have a house with history or stories of Ghoulies and ghosts then better to make it a feature, rather than hide it and hope no one finds out. The brave and adventurous will love a good highwayman or jilted bride story.”

 

4. Is anything flying through the air?

Simon Miller, Partner of Holroyd Miller said, “Unless you live in the notorious 30 East Drive, Pontefract, Yorkshire, which is classed as one of the most haunted homes in the UK, then weird happenings are probably no more than squeaky expanding and contracting floorboards or air in the central heating pipes. However, paranormal activity can take on many guises. Are you experiencing a fine chalk like dust falling inside your home, green foam appearing from taps and the toilet, lights turning on and off, cupboards shaking, and objects levitating? Such activity was reported at 30 East Drive and they most definitely had a poltergeist. Many people report haunted happenings, from the unexplained hair-raising feelings, to objects that simply appear to have been misplaced. But in truth how can we ever really make sense and explain the unexplainable.”

5. Time for a ghost hunt

Mike Coles of Debbie Fortune Estate Agents in Wrington has some interesting top tips for all the ghost hunters out there. Study the history of your home and the region, “Allegedly, areas with a violent past can increase the risk of a haunting. You could try setting up a video camera in your home when you’re away to capture any unusual shadows on film,” said Mike. Don’t forget to rely on your senses and intuition; unusual images in the corner of your eyes, noises like footsteps and smells like sulphur can be more sinister than you think.

 

6. Animals… or not

Often, people report hearing unusual sounds, such as scratching and footsteps. Anything from rats to woodlice can make your mind wonder with all sorts of ideas. Sometimes, it is the most simple of explanations. If these sounds continue, call an exterminator to have a look around, especially in attacks and basements. If nothing is found, congratulations you have a haunted house.

 

7. When in doubt, listen to the dog

Dogs are known for their keen hearing and sense of smell. They can detect far more than humans, so are the perfect sidekick when ghostly occurrences are in your home. If you canine is barking when no one is at the front door, whimpering at thin air or staring at blank spaces, your best friend on four legs might be trying to tell you something.

8. Got a chill?

Does your home have cold spots for no apparent reason? Before jumping to any conclusions, give a call to your builder to take a look around. He may find cracks or areas which needs insulating. However, if your trusted builder cannot find a reason, then something creepier might be at large.

 

9. Misplacing little things?

Everyone misplaces their possessions from time to time, especially items like glasses and car keys. However, if this starts to happen a little too often then you might have a ghostly trickster playing around in your home.

 

10. Lights flickering

This is arguably the most noticeable sign for a haunted home. It is there in all the horror films and spooky stories. If you have checked your fuse box or even called an electrician then there is only one explanation for flickering lights…

 

We hope you have enjoyed our top 10 indicators to find out how you know if you house in haunted. Happy Halloween!

SOLD STC – Dishforth Village property on Forest Drive – Unexpectedly Reoffered For Sale!

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 …

  • A Detached family home
  • Spacious Open Plan Living, Dining, Kitchen
  • Utility and Downstairs WC
  • Separate Living Room
  • Master Bedroom with walk in wardrobe and En-suite shower room
  • Three further Bedrooms and Family Bathroom
  • Gardens to the Front and Rear
  • Garage and Driveway Parking

Contact our Ripon Office on 01765 694800 to arrange your viewing.

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.

SOLD STC – Property of the Week – 5 Victoria Terrace

Ripon Property of the Week – 5 Victoria Terrace 

 

… from your local #OneStopPropertyShop and The Guild of Property Professionals agency for #Ripon and #Thirsk

5 Victoria Terrace gives you an excellent opportunity to purchase a substantial End-Townhouse, offering modern living accommodation set over four floors with parking, gardens and balcony.

These exciting family homes form part of only five town houses and occupy a fantastic location within close proximity to the centre of Ripon however with easy access to the A1(M) for those looking to commute.

 

To find out more click through to the property information in our website – https://bit.ly/2Mehqpd

 

Lifestyle Magazine – Ripon Canal Basin by Alan Kaemena

We were very lucky to receive a more industrial shot of Ripon taken by Alan Kaemena for our Lifestyle Magazine front cover.  Alan has been taking photos for over 40 years and usually prefers to take photos containing people.  The reflections on the canal water caught his eye one morning and that is how this photo made its way into his camera.

 

Alan Kaemena

 

Ripon Canal Basin

 

 

Guild Blog: Splashing Out: Bathroom Bliss

From palatial master en-suites to private powder rooms, beautiful bathrooms are a statement and unique feature that are often considered to be one of the most important rooms in a home. We look at some of the best bathrooms on the market.

 

1.Virginia Water, Surrey – £7,500,000

Set within the heart of the Wentworth Estate, this seven-bedroom detached family home, which is arranged over four floors, has been completed to an extremely high specification. Located at the end of a private road, the property sits in a stunning quiet spot of approximately 1.5 acres, moments away from Wentworth Golf Club.

On the first floor, the master suite overlooks the garden. It incorporates a seating area and separate dressing room, which leads through to the very generous en-suite with his and hers basins. The bathroom’s contemporary design and clean lines blends seamlessly with the home’s overall styling.

For sale through Seymours (sales@seymours-westbyfleet.co.uk, 01932 354494).

 

2. Upper Farm Close, Norton St Philip – £600,000

Those wanting to escape the hustle and bustle of city living will find solace in this versatile five-bedroom detached home, which is in the charming village of Norton St Philip, eight miles south of Bath. The luxury suite compromises a large bedroom and separate dressing area. The en-suite bathroom features a panelled bath with electric shower overhead and a heated towel radiator which is perfect for cold winter nights.

For sale through Fidelis (info@fidelisinbath.co.uk, 01225 421000).

 

3. Clevedon Road, Wraxall, Bristol – £1,795,000

Looking for privacy? Look no further. Built by Magenta Properties, this impressive new detached residence of 4,000 sq. ft. is situated in a private setting behind automated gates on the edge of the city. The five-bedroom house occupies a commanding, elevated one-acre plot, parts of which offer far reaching views across the Yeo Valley to the Mendip Hills and Bristol Channel on the horizon. Recently completed to the highest standard, careful consideration has been given to the choice of materials used in home, such as the tiles and fittings in each of the three bathrooms. The master en-suite is modern and uncomplicated in its design, featuring a frameless custom-built shower and floating vanity with his and hers counter-top basins.

For sale through Hydes of Bristol (post@hydes.co.uk, 0117 9731516).

 

4. The Townhouse, Squirrel Works – £625,000

An industrial façade fuses with contemporary cool in The Townhouse in Squirrel Works. The Grade II Listed, three-storey, Arts and Crafts factory was designed by Architect John G. Dunn and constructed in 1912 for SJ Levi and Company. Exposed brickwork, timber joists and steel beams add interest and character to the two-bedroom, New York style home. The en-suite bathroom remains true to the overall styling of the home, with subway tiles from floor to ceiling, Duravit sanitaryware and Hansgrohe chrome finish brassware.

For sale through Maguire Jackson (bham@maguirejackson.com, 0121 634 1520).

 

5. Westbury Sub Mendip, Nr. Wells – £1,200,000

Located minutes from the Cathedral City of Wells, the design of this six-bedroom new-build house is strongly influenced by Saxon architecture with post and crunk framing and oak timbers. One of five bathrooms in the home: the en-suite bathroom, features a marble-tiled floor and large shower area with peacock coloured wall tiles and two showerheads.

For sale through Roderick Thomas (wedmore@roderickthomas.co.uk, 01934 710220).

 

6. Yealm Road, Newton Ferrers, Plymouth, Devon – £1,600,000

This detached, six-bedroom, contemporary home in the sought-after village of Newton Ferrars offers panoramic estuary views over the River Yealm. The home has been designed to maximise both views of the beautiful surroundings, as well as the natural light flowing through the interior. A prime example is the skylight in the main bathroom, offering night time sky views for the avid stargazer. A large mirror and step-down bathtub complete the design of this modern bathroom.

For sale through Marchand Petit (newtonferrers@marchandpetit.co.uk, 01752 873 311).

Guild Blog: How to Avoid Over Home-Staging your Property

Are you thinking of selling your home?  Are you wondering whether to decorate or de-clutter your space?

 

Interior of a living room with shelves and sofa with pillows.

 

Have you ever seen a property that just seemed to be trying a bit too hard? Over home-staging, or trying too hard when decorating a property in order to sell it, is a surprisingly easy thing to do. Our agents share their stories of homes they’ve see that have been over home-staged, and what you can do to prevent this problem.

 

1. Be genuine 

According to Steve Barron of Drivers & Norris, trying too hard can be a major turn-off for potential buyers. Steve says, “we don’t come across many over-staged homes in our area, and we don’t advise our clients to do so either. Around here, home-baked bread, the smell of fresh coffee or bowls of fruit could appear a little corny.”

 

2. Don’t do too much

According to Matthew Higgins of Sawyer & Co., “an over-staged property is always easy to spot. There’s too much artwork on the walls, too many cushions and throws on the sofa, and the most major mistake: a dining table set for a banquet. Less is always more when it comes to staging a home.”

 

3. Don’t underestimate the power of flowers 

While overdoing it on the floral front can spell disaster home-staging-wise, a bunch of flowers helps to keep things homely. According to Dominique Scott of Sawyer & Co., “a subtle yet attractive vase of flowers in a few of the rooms is always a nice touch.”

 

4. Remember that you’re selling a lifestyle

Part of what you’re offering to a potential buyer is a lifestyle. One of the major problems with over home-staging a property is that “it makes it incredibly difficult for a potential buyer to see past the sellers’ belongings. Buyers aren’t just buying a home, they’re buying a lifestyle. Seeing a room set up like a banquet hall could be very off-putting for a potential buyer that doesn’t use a formal dining room. It can make it very hard to see the space in any other way,” adds Dominique.

 

5. Over home-staging can make buyers suspicious

Why are over home-staged properties so off-putting, and why can’t potential buyers look past them? Steve Barron of Drivers & Norris explains, “When anyone tries too hard to ‘sell’ something, it can be off-putting. Most of us don’t like feeling that we’re being pushed in a certain direction, and may start questioning the motive of the seller. Are they trying to draw the potential purchasers’ attention away from an unflattering view or a building defect? That said, if they like the property, they will more than likely still be interested in it.”

 

6. Avoid clutter

Box up anything you don’t need before the move. Nicole Cox of Wye County says, “I always tell the vendors that if they don’t need it, pack it up ready for the move, because less clutter means more space and more space equals more money! It’s a simple equation.”

 

7. Make sure rooms are well-lit

Customers won’t want to buy a house if they can’t see what it looks like. Steve adds that sellers can “emphasize a property’s best asserts by fully pulling back curtains and making sure rooms are generally well-lit, either with natural light or artificial light. If the house is lit by artificial light, make sure that the lights are already on before a prospective buyer arrives.”

 

8. A few extras go a long way 

Hang window treatments to showcase high ceilings and hide low ones, and use fresh towels in the bathrooms and nice white linens on the beds. All of these things can be taken with the seller after they’ve sold their home, and they offer a blank canvas for a potential buyer. Don’t hesitate to hire an interior designer if you’re really stumped. They can help steer you in the right direction, decorating-wise.

9. Think understated 

Highlight the lightness and cleanliness of your home before you do anything else. Nicole says that “houses that are clean, tidy and welcoming, with tasteful and understated décor and furnishings will always sell for a premium. There’s no need to make it any more complicated.”

 

10. Depersonalise

Interior design is a matter of taste, and your particular taste may not appeal to everyone. Take your personal taste out of any home that you’re staging, and think of choosing neutral tones that will open up spaces.

 

Are you considering selling your home? Contact your local Guild agent today to see how they can help you sell your property.

 

 

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.

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