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Should you buy, sell or trade up before Brexit?

There is no doubt that Brexit has already had an impact on the property market with many adopting a wait-and-see approach until the final deal has been made. As March 2019 and a final decision edges closer, many people are wondering whether they should take advantage of the current situation and buy or trade up, while house prices have subsided. On the other hand, some people are conscious that a hard Brexit could see the housing market slow down and are trying to decide whether now is a good time to sell. 

 

We asked Members of The Guild to give their advice about what they think homeowners should do. Here’s what they said:

It remains a case of supply and demand

Andy Goundry of Goundrys said: “Interestingly, where we are in Mid Cornwall, it appears that people have taken two different views. We have had potential buyers saying they will wait until the uncertainty is over as they feel prices may well reduce and so they will wait. Conversely, we have had some sellers place their property on the market in the hope if they sell now, they may obtain a better price than if they wait until next year. In our area, as always, it remains a case of supply and demand. We have seen a decrease in the number of buyers. However, the dearth of available property still means that a realistically priced property is agreeing a sale within a matter of days.”

Andy adds that if people are trading up or down, then it remains a matter of relative price differential and makes little difference whether that is in a falling or rising market. “Certainly, if the property isn’t on the market, then I guarantee it won’t sell!”

 

Good stock is being secured quickly

Director of Maguire Jackson in Birmingham, Philip Jackson, says that the Brexit question has undoubtedly injected some caution in recent weeks into the local market, taking some of the projected growth out of the market. “However, it hasn’t completely stopped the annual growth we have witnessed over the past three years. There are indications this autumn that some vendors are making the decision now to sell, in the anticipation that the sales market going forward into 2019 might become more difficult.  For purchasers, it means there is more stock coming into the market and positively slightly more choice, however, good stock is still being secured quickly, helped by continuing anticipated overall price growth.”

 

We will begin to prosper again

According to Ben Dreher of Mansbridge Balment, the current uncertainty in the market has caused a drop in sales volumes and an increase in available property. “For the first time in many years, buyers now have the upper hand and as such, there is more scope for negotiation – so yes, they should buy now if they can. Once Brexit is agreed and as a country, we begin to prosper, house prices will undoubtedly start to increase again, so buying now could prove to be a very wise move.”

 

The ideal time to trade up

Residential Sales Manager of Rickman Properties, Stuart Mills, says that when the market is sluggish, and prices are proving more flexible, this is the ideal time to trade up. “The gap between higher and lower priced properties narrows considerably, for instance, if selling at £500,000 and buying at £1,000,000 the difference is £500,000. However, if the market were to come down 10%, the figures look different you are now selling at £450,000 and buying at £900,000, the difference is now £450,000. It’s the same properties, but you are saving £50,000. Looking forward, when the market goes back up 10% your old property is worth £495,000 and your new property is worth £990,000, so you have gained £45,000, making a total saving and gain of £95,000.”

He adds that more than ever this is a great opportunity to trade up, for those who hesitate, and wait until the market is back and moving forward they will see the gap between the more expensive properties and their own grow, and perhaps become unaffordable.

“Another factor to bear in mind is that if you buy a property now, the value becomes unimportant, it only becomes a factor when you sell. Most properties these days are owned for 10-12 years and longer. A property should be a home and enjoyed as such, if you like it and can afford it, and it’s what you want, buy it.”

 

The markets and economy will take time to adjust

Avin Jay, Director at Mansell McTaggart, agrees that now is a great time to sell and trade up if you are playing the percentage game. “Whatever the outcome, the markets and economy will take time to adjust. Very much the same when interest rates rise,” he explains. “I think there are two types of buyers out there, the ones who want to make a profit and the ones who make that emotional purchase. The real problem in the market is overvaluing and Stamp Duty, the additional 3 per cent required when purchasing a second home has got to go.”

 

Property prices in the UK will always increase

Fine & Country’s Adam Tahir, says that very few people truly understand Brexit and what will or won’t happen across all public and private sectors. “Having worked through two prior recessions, there has always been one clear outcome, property prices in the UK will always increase. This comes down to the lack of supply and the ever-increasing demand of homes available. Over the next few years, uncertainty is the key feature here, however, with interest rates lower than they have ever been before, pre-Brexit remains to be a good time to sell, buy or upgrade,” he says.

“Some buyers have lost the meaning of buying a property now. Too many people buy a property for one price because it will be worth a higher price in six months. Over the next five years, we need to go back to buying properties as homes and stop focusing on the appreciation value. Brexit will be another blip, another reason for prices to come down or ‘balance’ so to speak, but eventually prices will increase again and when they do another situation or scenario will arise and the entire cycle will start again.”

 

Brexit, No Brexit, Hard Brexit…people still need a roof over their head

According to Steve Wayne of Benjamin Stevens in Edgware, the property market is largely influenced by interest rates and salaries.

“Brexit, No Brexit, Hard Brexit…in the whole scheme of things, it will be another footnote to history in a decade. We have survived the Oil Crisis, 20%+ Hyperinflation in the 1970’s, Mass Unemployment in the 1980s, Interest Rates of 15% in 1990s, the Global Financial Crash in 2009, whatever happens, happens. People still need houses and a roof over their head. If property values drop, it is only a paper drop in value because you lose when you sell. Long term, we aren’t building enough homes, and so, property is a long game no matter what happens – the property market will always come good,” he concludes.

 

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

Guild Blog: What are the 10 biggest turn-offs for home buyers?

Pink cottage on the South West Coast path as it passes through Empacombe Quay at Mount Edgcumbe in Cornwall

When it comes to selling your property, making a good first impression is imperative. Our Guild agents share their expertise and identify the top 10 biggest turn-offs for prospective buyers and how to avoid them.

 

1. Clutter

Clutter is not only distracting, but it could indicate that the property does not have adequate storage.

Nick Manson from Mansons Newcastle upon Tyne said: “De-cluttering is a great way to increase your chances of completing a sale, but that doesn’t mean that you have to part with your prized possessions. You can box them up and store them in the loft or garage. If this is not an option, ask family or friends to store them. Failing that, there is always the option of self-storage.”

Creating a clutter-free, minimalistic environment will help buyers visualize themselves living in your home. Additionally, too much furniture can make a property seem a lot smaller than it is.

 

2. Smells

No matter how pleasant your home appears, persistent odours such as the smell of pets, cigarettes, or pungent food can be detrimental when it comes to selling your property.

Simon Bradbury from Thomas Morris Cambridgeshire explains: “An unpleasant odour is sure to put off a prospective purchaser or tenant. Whether it’s the whiff of stale food, pets or even something more… ‘human’… make sure that your property is free of unwanted smells. Ask a trusted friend to give your home a ‘sniff test’!”

It’s better to be safe than sorry, so we suggest opening your windows to air out your property before a viewing and use air freshener or light a candle to ensure your home doesn’t smell unpleasant.

 

3. An untidy exterior

Overgrown, unkempt gardens are a big no-no. Abby Wheeler from Keats Estate Agents Haslemere said: “The first thing viewers see is the exterior. Ensure your bins are not overflowing and your pathway is weed free. Do whatever you can to make your home feel inviting from the outset. Don’t forget, our viewers have probably already done a drive-by before making an appointment.”

 

4. Noise

Most people expect their home to be a place of peace and tranquility. It may not always be preventable, but there are steps you can take to reduce unwanted noise from your property.

Mandy Thomas from Keats Estate Agents Haslemere said: “Upgrade your glazing or install sound proof fencing. Alternatively, try to avoid organising viewings at busy times of the day such as rush hour, when traffic will be particularly bad.”

 

5. No natural light

Light and warmth are two of the most important factors to attract a buyer for your home, especially in the colder months of the year. Angie Kraft from Simmons & Sons Henley-on-Thames explains: “A cold or poorly lit home can be an instant turn-off  to potential buyers by making the property appear dingy and dark in places. If this is the case, it gives the impression of a house that is unloved and uncared for.”

Resolving this issue can be simple. Philip Trollen from Keats Estate Agents Haslemere said: “Natural light is very important as dark rooms are always off-putting. Ensuring the room is well lit, whether that be naturally or with staged lighting is quite simple to do. Make sure the curtains are open and remove those net curtains!”

 

6. Bad décor

Avoid controversial or quirky décor in your home as it is not to everyone’s taste. What you think is retro, others may consider dated. Bold colours and patterns can turn-off a prospective buyer, as it is important for them to see themselves living there and décor plays a huge part in this.

Simon Miller from Holroyd Miller Wakefield said: “Replace heavily patterned retro carpets, when purchasers are greeted with such a carpet all they see is decades of dirt and grim – I can guarantee the viewer will want to leave as soon as they’ve stepped through the door.”

 

7. Nightmare neighbours

Nobody enjoys noisy or messy neighbours, especially not a potential buyer. This is something you cannot change, but it is something you can manage. Whether their garden hasn’t been cleaned in years, or their pet dogs incessantly bark, get to know your neighbour and perhaps they may be able to help. If all else fails, organising viewings for when they are not home might be beneficial, too.

 

8. Poor presentation

Poor attention to detail such as: flaking paint on soffits, grubby kitchen units, tatty net curtains, unemptied ashtrays and nicotine stained walls are taken into consideration when viewing a property.

Lizanne Simmons from Penny & Sinclair Oxford said: “First impressions are massive and we often find ourselves apologising for the sights of the less cared for properties. We always arrive early to a viewing to open the windows, curtains, close the lids to the toilets and pull a duvet into position here and there.”

Simon Bradbury from Thomas Morris Cambridgeshire said: “Dirty kitchens or bathrooms are not a nice thought and certainly not something that a viewer will want to see. My best advice: have the property professionally cleaned before going to market.”

Small and affordable fixes such as: freshening up the paint work, or having your home professionally cleaned will make a world of difference and worth it in the long run.

 

9. An unexpected problem

Martin Moore from Morris Marshall & Poole Mid Wales said: “There is nothing worse for a viewer than turning up to find there is a significant issue with a property which they were not aware of such as a structural defect, a problem with something in the neighbourhood or compromised accommodation. It is a wise precaution to maintain compliance with Consumer Protection Regulations, but it also makes good business sense – the viewers are more trusting of us and willing to discuss the issues and the available solutions.

 

10. An over zealous vendor

It is common for a vendor to want to take part in the viewing or show off their DIY aspects of the property. However, vendors being present at viewings may not always be a good thing.

Stephen Ingram from Penny & Sinclair Oxford said: “A seller that follows the viewer around is never well-received. With the best intentions, those scenarios always highlight why it’s best to leave it to your agent.”

Take a step back and let your agent do the work, it is their job after all and you will thank them later.

 

Are you looking to sell your home? Contact your local Guild Member for help through the moving process.

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).

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
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