Brik Property Magazine - Q2 2022 by Ben Littlewood

Batten down the hatches

Fewer properties on the market, rising prices, rising inflation, plus an increase in interest rates has led to many would-be sellers staying put.

Q2 22 London Property & Lifestyle Magazine

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You want to get the best return on your property, and like so many things, it’s about equipping yourself with the right to do that.

that no area of the property market stays still for long. That’s certainly the case for the rental market, and the landlords who make their living from it.

Despite the stamp duty exemption ending, the market is still very busy with limited supply and big demand. Brikolage Pretty Little Things Property Gallery

As the wheels of commuterdom begin again, these items may be essential to get you through your journey.

32 Seller's Guide

Summers arrival only means one thing. Getting kitted out with new tech gear for your upcoming holidays!

16 Interior Design

Rawan Muqaddas

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Contents

22 Buyer's Guide

07 Market Comment

Fewer properties on the market, rising prices, rising inflation and an increase in interest rates has led to many wouldbe sellers staying put.

26 Commutism

35 Showcase

Highlighting recent renovations and refurbishments carried out by London's finest developers and designers.

Home Cinema versus Gyms. Tracey Andrews Interiors discusses this postpandemic craze, debating the design and budgeting of both.

London / Kuwait designer Rawan Muqaddas has transformed a Deli based in Sloane Square into a contemporary Parisian - Japanese inspired charcuterie.

29 Home Tech

ROSS MURPHY Capricorn Financial

JAMES SIMS Brik Director

James is a well-known and experienced Fulham agent, having worked in the area for over a decade. Always preferring the phone to email, he is an excellent communicator and natural salesman. His thorough knowledge of the area and friendly approach ensure he receives great feedback from both clients and buyers alike.

Will is an illustrative and editorial based Graphic Designer, recently graduating from the University of the West of England. With over 5 years experience, Will is an invaluable member of the Brik team when it comes to making your property look its best.

Tracey is an accomplished Interior Designer and has been in the industry for over 20 years. She creates beautifully crafted interiors with a keen interest in well-being within them. Formerly expertise in curtain design, and renovated furniture.

WILL DODD Brik Graphic Designer

BEN LITTLEWOOD Brik Co-Founder

Josh Woodfin is a writer and editor with nearly 10 years' experience including credits with the Guardian, House, Esquire, and numerous other high-profile magazines and websites. His interests include antique maps, cooking with fish, and postapocalyptic thrillers. He once beat Usain Bolt in a race... with an 80-metre head start.

As one of Brik’s co-founders, today Ben is largely responsible for Brik’s clean, designer look and spends most of his time thinking up new ways to improve our service and make the property we advertise, along with Brik itself, stand out from the crowd.

Ross is one of the Senior Advisers & Team Leaders with CFC, where he has worked since graduating from University of Manchester in 2010. Since 2014, Ross has been consistently ranked in the Top-2 Advisers in the UK by volume of lending PA.

TRACEY ANDREWS Tracey Andrews Interiors

Contributors

JOSH WOODFIN Property Journalist

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it was the luxury of a home gym or needing to compromise space at home for work, or other pressures, this has led to a reassessment of home setups. This prompted the headlines about the ‘Great London Exodus’, as families prioritise bigger homes and outdoor spaces away from cities across the country. This led to spikes in house prices in popular

Demand for property in the UK jumped by 49% in January - the biggest New Year bounce for five years. Record demand was recorded for all property types, as buyers searched for both houses and flats, according to Zoopla’s latest House Price Index. This increase was similar to the record levels seen during the stamp duty holiday, proving the search for space is still on, but is now more competitive than ever. MARKET

In January, Zoopla reported that during the pandemic 41% of British homeowners changed their homes, sacrificing around 8.8m bedrooms in the process. Over

PROPERTY

Market Comment

After the intensity of the property market over the last two years, fuelled by factors like the pandemic, desire for more space, and Stamp Duty holiday, some interesting trends are emerging in the world of property.

Whethertotal.

UK households spent £3,714 adapting their homes during the pandemic£36.5approximatelythat'sbillionintotal.

commuter areas and coastal towns. However, this exodus was greatly exaggerated, and there are plenty of reports of families coming back to the city as lockdowns eased again.

These changes are apparent across the market too - not just with large family homes. Zoopla found that more than eight in ten (83%) homeowners under 25 say they are currently having to compromise with their living spaces. All of this has led to a big start to 2022 in the world of property.

Fewer properties on the market, rising prices, rising inflation and an increase in interest rates has led to many would-be sellers staying put.

WORDS JOSH WOODFIN Property Journalist

you need to furnish yourself with the information that will help you make the right decision at the right time to meet your property goals. To help you do this, we have looked at the market in the first quarter of 2022 to understand what to expect from the rest of the year.

five million people transformed a bedroom or spare room to make a home office, and nearly a million people built themselves home gyms. On average, UK households spent £3,714 adapting their homes during the pandemic - that’s approximately £36.5 billion in

While the state of the UK property market pales into insignificance to the human tragedy unfolding in Ukraine, experts are already questioning how the shockwaves on energy prices and the rising cost of living will impact house prices in the coming months.

Economy in uncharted waters

The number of buyer enquiries is 15% higher than this time last year and the number of available homes for sale per estate agency branch has fallen further to a new record low of just 12.

Inflation Rates

The Consumer Prices Index (CPI) rose by 6.2% in the 12 months to February 2022, up from 5.5% to January. This is sparking a 'cost of living crisis' that looms over the nation. Plus with rising interest rates making mortgages and remortgaging more expensive we may see a relaxing in the current chronic supply problems.

Demand for it all

As a result, competition among buyers is almost double what it was this time last year.

flats and smaller properties are very much back in demand, as cautious first-time buyers start to actively scour the market after pausing their searches during lockdown and subsequent restrictions. The Evening Standard reported that “flat prices are outpacing the overall property market in five London boroughs - Barking and Dagenham, Greenwich, Newham, Hackney and Tower Hamlets - in a striking reversal of the trend of the last two years. In eight other boroughs - Wandsworth, Lambeth, Southwark, Waltham Forest, Lewisham, Islington, Hammersmith and Fulham, and Westminster - flat price rises have almost caught up with the overall market.”

the early signs of a better-balanced market, first reported at the end of 2021, are now starting to come to fruition. Tim Bannister says, “it seems that the fast-moving market has really hit home for sellers this month, with a number of those who are also buyers putting themselves in the best position to secure their dream home by becoming a ‘power buyer’ and getting their own home on the market first. This, in turn, is driving a rise in new listings compared to last year, giving the existing pool of buyers some fresh choice.”

As COVID restrictions ended in England, and businesses started asking staff back to the office on a full and part-time basis, London recorded the biggest jump in inquiries of any region (+24%) - a new price record, and its highest annual rate of price growth since 2016.

itself is still very low in stock, which is leading to some seriously competitive pricing. The Telegraph reported in January that the average asking price of property rose by 2.3pc between January and February, equivalent to more than £7,700. This is the biggest monthly jump in cash terms ever recorded by property website Rightmove.

PROPERTY MARKET

New seller asking prices hit a new record high of £348,804 this month across the UK, rising by 2.3% (+£7,785).

In2014.London,

Right Move reported earlier in the year that February was even stronger than January. New seller asking prices hit a new record high of £348,804 this month across the UK, rising by 2.3% (+£7,785). This is the biggest monthly jump in cash terms recorded by Rightmove in more than twenty years of reporting, and the annual rate of asking price growth (+9.5%) is the highest recorded since September

But there is some light at the end of the tunnel. According to Zoopla, there are still discrepancies between supply and demand, but

The average asking price of property rose by 2.3pc between January and February, equivalent to more than £7,700.

“High demand and a shortage of available stock are supporting a rise in prices and a new record average asking price this month,” says Tim Bannister, Rightmove’s Director of Property Data, in a report earlier this year. “The rising cost of living is undoubtedly affecting many people’s finances, especially those trying to save up enough for a deposit to get on the ladder or to trade up. However, despite rising costs and rising interest rates, the data right now shows demand rising across the whole of Great Britain, with many people determined to move as we head into the spring home-moving Butseason.”themarket

10 NEWS & INTERESTS

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Experience Cornelia Parker’s mesmerising large-scale installations at Tate Britain. Cornelia Parker is one of Britain's best loved and most acclaimed contemporary artists. Always driven by curiosity, she reconfigures domestic objects to question our relationship with the world. She engages with important issues of our time, this is one not to miss.

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On the cover

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Over the pandemic UK households dropped almost £36.5 billion on doing up their homes. Many, after living in them through the pandemic decided now was the time for an upgrade. The issue is it's led to a lack of property coming to the market with an improve rather than move attitude. Coupled with inflation, sellers want and can command more for their homes. Not to mention the darker side of the coin where estate agents fighting over less stock are more inclined to over-value to win instructions. Leading to a short lived but exponential price hike.

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11 NEWS & INTERESTS

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Food & Design

Norwegian director Joachim Trier returns to Cannes with a keenly-observed drama about the often turbulent nature of modern romance. Trier’s fifth feature is a sweet, sad, extremely funny character study that gets to the heart of how it feels to be on the cusp of true adulthood and completely ambivalent about it. The film’s title may or may not refer to its flighty protagonist; more likely it’s the feeling everyone experiences at some point in their lives, when they let someone down or are casually cruel with their words or actions. Presented in 12 chapters with a prologue, epilogue and omniscient female narrator, the narrative spectacle is part of the fun – think millennial Amélie without the Manic Pixie Dream Girl clichés. Available to watch at the Fulham Road Picturehouse and the Barbican.

The Worst Person In the World Film

12 INTERIOR & DESIGN

Image attributes: Rawan Muqaddas Studio

TransmissionInspiration

Street Deli was to build on a classic neighbourhood spot that's also an extension of one's home," Muqaddas explained. "A spot where you can come in and spend five minutes or 50, in a space that is inviting, comfortable and warm, with the customer's comfort at heart." Functioning as a café, deli, small market and eatery, the space celebrates community and good food as well as reflects the discerning taste of its Belgravia and Knightsbridge locals.

Sloane Street Deli RAWAN MUQADDAS

reen tiles and bentwood chairs feature inside this deli and restaurant in central London, which design studio Rawan Muqaddas has renovated to complement its local surroundings. Situated along an affluent street in Belgravia, Sloane Street Deli incorporates a barista bar, take-away-deli counter and an eatery that serves breakfast, lunch and dinner. Upon entering the deli customers are greeted by a green-tiled deli counter serving baked goods and fresh pastries. "The concept behind Sloane

Londonelsewhere.still

There were 47,400 new buyto-let companies incorporated in the UK last year, a rise of 14% from 2020.

WORDS JOSH WOODFIN Property Journalist

Even before the pandemic, there were tax changes applied to the market five years ago. Prior to April 2017, buy-to-let landlords could claim tax relief from HMRC, by deducting all mortgage interest payments from their rental income. As most buy-to-let mortgages are interest-only, this used to mean a decent tax saving. However, since the 2017/18 tax year, the government has phased out the buy-to-let mortgage tax relief, eventually replacing it with a 20% tax credit in 2020.

has the biggest private rented sector of any region in Britain, accounting for 29% of all homes in the capital. The vast majority are provided by individual landlords. Increasing interest rates and cost of living will mean that the rental market in the capital remains strong, with many struggling to get onto the ladder. The same report from the National Residential Landlords Association found the city would require approximately 83,000 new rental properties a year over the next decade to accommodate this Bendemand.Beadle,

Landlord's Guide

LANDLORD’S GUIDE

This has led to many landlords –particularly higher-rate taxpayers – reducing their tax bill by starting a property company and paying

People are renting for longer, but there are not enough properties for them, either new or existing. This is partly due to many landlords leaving the market for better investment opportunities

t is well known that no area of the property market stays still for long. That’s certainly the case for the rental market, and the landlords who make their living from it.

Being a landlord has become increasingly more complicated and less profitable over the years, this has only led to less rental properties on the market.

In brief, there’s huge demand and not enough stock. A survey of private landlords across England and Wales from the National Residential Landlords Association found that 56% of landlords reported a rise in demand for privately rented homes in Q4 2021.

But what about the market today?

Chief Executive of the National Residential Landlords Association said, “As the demand for private rental properties picks up following the pandemic, renters across the capital will struggle to find the homes they need and want. For all the efforts to support

corporation tax instead of income tax. Analysis of Companies House data from Hamptons shows that more buy-to-let companies were set up in 2021 than in any previous year. There were 47,400 new buyto-let companies incorporated in the UK last year, a rise of 14% from 2020. During 2021, half of all new buy-to-let mortgages were taken out by landlords with a company, so buy-to-let companies now account for 29% of active buy-to-let mortgages.

Of all active buy-to-let mortgages were taken out by landlords with a buy-to-let company in 2021.

14% 29%

Reduction in void periods length, dropping from 17 to 13 days in February.

Reduction in the average cost of rent in the capital, from £1,675 to £1,609 in February 2022.

London still has the biggest private rented sector of any region in Britain, accounting for 29% of all homes in the capital.

to 2022 and beyond, with similar stock constraints to the homeowner market, wage rises forecast to continue at all income

homeownership, the private rented sector has a vital role to play in housing so many Londoners.” The demand is reflected in void periods (the amount of time a property is empty between tenants) too. Property Tech company Goodlord had some interesting insight in its February property index, noting the biggest change came in Greater London. Despite

29%56% 24%3%

Of landlords reported a rise in demand for privately rented homes in the last quarter of 2021.

Increase of buy-to-let companies, with 47,400 new companies in the UK last year alone.

levels, and the economy picking up strongly, rent is expected to continue to rise – which presents an opportunity for both new and existing landlords.

diminishing void periods - a 24% reduction in their length, dropping from 17 to 13 days - there was a 3% reduction in the average cost of rent in the capital, from £1,675 to Looking£1,609.

It's no help that the physical intentions of each room contradict one another. One facilitates movement of your body and producing endorphins, and the other total relaxation and eating your heart out. Both can be equally beneficial for well-being!

such as which room would you receive the most pleasure from and the most use of. Here are some are some design aspects and facts to inspire your decision.

WORDS TRACEY ANDREWS Tracey InteriorsAndrews

Contrary to popular belief, not all cinema rooms are dark, dramatic, and located in bolt hole basements or visualised as vintage cinema rooms of the past. Most are modern, luxurious and sleek, and stand alone as a dedicated room.

Like everything in our lives, it is about finding balance, so making the right choice will be personal to you. As a designer, I would advise asking yourself simple questions,

INTERIOR & DESIGN

Design

film night. So how do you decide?

hen it comes to choosing a luxury room to add to our homes, it seems we dream the most about owning either a home cinema or a fully equipped gym. If you had to choose, which would it be? For most, keeping fit is just as important as entertaining themselves or their friends with a

I would own a cinema room ...

Home Cinemas Versus Gyms

Image attribute: Tracey Andrews Interiors

Budgets

Stay true to your style and don't be swayed too much by exact technical high-tech suggestions, unless you want to go for the maximum effect of the home cinema experience.

Iwouldownagym…

Home cinema rooms add glitz and glamour to your home. Consider the advantage of having an authentic cinema room over a cinema screen in a makeshift situation. Don't pass by the opportunity to go all out for that fully cinematic experience if you can.

Controlled lighting is extremely important; you may need a system that has separate circuits for mood and general task lighting. This will create drama and atmosphere.

Do you want to update a space, or make a brand new space which enables you to plan from concept toChoosefit?

Consider hard-wearing materials for seating, floors and walls, and plenty of soft surfaces for sound to be absorbed and bounced around the room.

Cinema rooms are specialist installations and are highly technical, so make good use of the advice from a specialist.

Of course, for the real nocompromise movie buffs, a full technical room design based on industry guidelines with the latest cinema technologies and room acoustics, can provide a performance that not only matches your local cinema but can outperform it! Adding a personalised aesthetic which allows for the best audiovisual performance, mood lighting, climate control and easy to use controls, gives you a full kinaesthetic and immersive experience offering the ultimate Forescapism”.asuccessful cinema

Chris replied, “The cinema rooms we design today are more versatile than ever. By exploring the client's main desire and purpose for the room, whether this is a grand cinematic experience with the latest movies, enjoying a Live Sporting event on a big dropdown projector screen or simply playing the latest video games and watching Sky TV, we can tailor the room to suit their performance

experience, much relies on good acoustic soundproofing, furniture, space planning, correct seating heights, and the size of the screen. Fundamentally, a room must exceed a certain size to fulfil all this.

Some are combined with other functional spaces, such as adjoining family/dining areas, as seen here from one of Cyber homes’, an Home Entertainment and AV specialist, case studies.

furniture that is comfy and cool. It doesn’t have to be real cinema seating if that’s not your style. A good, upholstered sofa arrangement is very appropriate, one of which you can express your style more meaningfully.

criteria and budget.

Driving to a gym, waiting for the equipment to become available, booking classes - the whole process can take up a considerable amount of time. Imagine popping out of your kitchen into a purposemade home gym, or down into the basement where a whole new meaning of ‘your time’ becomes reality. Not only will you own a personal interior designed space, you will also save hours of driving to and from the gym, giving you time to move your body, whenever you need.

Plan your space well. Make sure you have considered enough seating for all visitors, with ample space to move around the room and good leg space for seating.

A good piece of advice to achieving the best design is to work with an interior designer and home entertainment specialist. Be sure to think about the following ideas before a consultation.

When choosing your home cinema’s style and function, think about how much you want to replicate a commercial cinema; one that includes all the high tech and acoustic requirements, good lighting and professional interior design assistance, rather than making do with just a screen in your lounge. I asked Chris Morley, lead designer of Cyberhomes, what the best elements required for a home cinema room are - both technical and aesthetic - and what this might cost.

Budget

attribute: Tracey

Interiors

INTERIOR & DESIGN

Image Andrews

Correct flooring. Be sure to

Cinema rooms and gyms have been number one on our wish lists for a good few years, but the desire has been accelerated by the pandemic. For a while, no one could enjoy the pleasures they once knew, so they adapted or added space to do this in their own home. As for gyms, some of us took to participate in-home classes and placed Peleton strategically in the bay windows of our West London homes. Some of us stretched to the addition of the fully equipped home gym or extraordinary cinema room. I know which one I would choose ... Can anyone guess?

Decide what function of activity is taken within the gym. For example, will there be classes, running/treadmill, cycling or yoga, karate, boxing or stretching? Each will require its relevant equipment, space and mood.

Wellbeing. For example, yoga rooms need a balance of colours and earthy materials. Biophilia creates an atmosphere. Relaxing sounds with water, and soft lighting will relax and ground you.

Good sound system and mood lighting. Important to well being andStorage.mood.Make sure there is enough space to hide equipment andAddedmats.luxuries you might want to include are: Sauna, steam room, massage facillities. Now we are talking!

In my experience, I would say that a gym is a less complex project than the design and build of a cinema room, but this depends on what you need from it. Certainly,

Heating is important to practise any exercise, so be sure you can adjust the temperature.

Design. You can be more adventurous with design depending on your favourite workout, but generally, you need to be practical with the more physical pursuits. Think about things like:

Where did the desire to own a home gym or cinema come from?

choose the correct flooring, for example – wooden or rubber. The choice will be specific to you and, but also get opinions from gym specialists. All requirements need weighing up before deciding style, materials and function.

Ensure enough headroom and space for each activity. If you do not have much space, expert planning is paramount.

there will be fewer technical provisions required, such as large screens and control systems that are mandatory to the success of a cinematic experience. But gyms need atmospheric presence too, and a different aesthetic.

Sound and vibrant colours will boost energy for vigorous activities, like running and boxing.

Beautifully Crafted Interiors 01992 tracey@traceyandrewsinteriors.co.uk414649www.traceyandrewsinteriors.co.uk Hey Tracey... I just read your Interior Design article on page 16... INTERIOR & DESIGN

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22 sually, buyers have a clear idea of what their next step will be – whether that’s first-time buyers seeking flats and smaller homes, or second steppers looking for more space for a family. But the pandemic led to confusion, as first-time buyers fought for outside space, and second steppers suddenly found themselves considering a move away from the city; something they may not have considered before the Likewise,pandemic.thelifting of restrictions and the drive to bring people back to offices, even on a part-time basis, has changed the market once again. The reported exodus of London and other major cities has reversed (or perhaps wasn’t as universal as the headlines made

when you find yourself in an offer/ counter-offer situation. Do you have a savings account, shares, or an ISA? Knowing where all your money is, and how much you have, before you start the process can give you a real edge over your fellow buyers. It’s surprising how unprepared some buyers are for the twists and turns of the process.

Buyer's Guide

Prepare your paperwork. The more organised you are, from your finances to mortgage offers, the faster you’ll be able to move. Invest in a decent home printer if you don’t have one.

BUYER’S GUIDE U

Instruct a buying agent. Consider instructing an agent to act on your behalf in helping

Get your finances in order. It might sound obvious, but knowing exactly how much money you have to spend on your new home is surprisingly easy to overlook. It is often advised that you shouldn’t really make an offer until you have a mortgage in principle at least. On top of that, you should also have a frank look at your finances, as this will help you if or

Buying a property is not easy at the best of times, but when faced with the chaotic market of the last two years, it can seem downright impossible.

WORDS Josh Woodfin Property Journalist

it out to be), leading to a busy, competitive market in London. For many buyers, it’s neither an increase in interest rates, nor the nearly 8% increase in asking prices that is causing headaches. Rather, it’s the continuing lack of stock, as buyers come to market with very specific ideas of what they want from their new home. So, if you’re in the market for a new property, you should be prepared to search for the foreseeable future. But that doesn’t mean it’s impossible; there are plenty of things you can do that will hopefully put you in a strong position when you find somewhere you love…

Know what you want. Understanding what you want in terms of a property will help you navigate the market. Start your search early so you know a deal when you see it, and you won’t be beaten to it by more savvy buyers putting offers in at the right level.

Get your finances in order

Be decisive.

Learn to compromise. From that first shared house, to your first property and beyond, you’ll often have to compromise. But compromise is a sliding scale; be realistic and balance your aspirations with the realities of the market.

Be decisive

Instruct a buying agent

5 6

If you’re chain-free or a cash buyer, use that to your advantage to secure your property over buyers with weaker offers. Know your cards, and learn to play them well!

busy, so if you talk with your agent regularly and build up rapport, they will think of you first when something comes up that they know suits you – and might call you first.

Have your solicitors lined up and ready. Along with any mortgage application you may need. Have it all ready so you can

Learn to compromise

If you make an offer and it’s accepted, pull up the drawbridge and protect you castle. Ask the agent to take the listing down from anywhere it might still be advertised. You never know who might swoop in with a bigger offer.

Most estate agents won't even consider you as a serious buyer unless you are not in a chain or at least under offer. Make sure you have your mortgage offer in place too, if needed.

Now you know what you want, make sure you don't lose it with poor negotiation. Sometimes the opportunity cost of saying no is worth a lot more than paying a little over the odds, it's also easier to live with.

In this market you snooze you loose. Know what you want and know your market so you can act and offer decisively when you see what you want. Agents have a knack at sniffing out offers that won't stick. you find and negotiate the deal. Increasingly agencies are also offering a 'negotiate only' service too which means once you have found what you want they will put the offer forward and negotiate the best deal on your behalf. Often they know what to say to secure the property you want at the price you want.

62 33

Finding a deal in this market means knowing about it before everyman and his dog do. To do that you'll need to build good rapport with agents so you can be the first in the door. They should be calling you, but don't rely on it!

Make friends with your agent. And we’re not just saying that to make life easier for ourselves! The London property market is

Prepare your paperwork

? ??

Increasingly agencies are offering a negotiation service. They will represent you, the buyer, and the result is an improved chance at securing the property you want at the price you want.

Make friends with your agent

Six Tips for Buying Today

FINANCE

rate products is the ability to port your loan/mortgage to another property. Clients opting to take out a long-term fixed-rate also need to ensure they fully understand the risks in doing so, specifically the Early Repayment Charges that could be incurred for earlyrepayment. Part of the role of any mortgage advisor is to explain the risks involved to a client when they ask their existing mortgage provider to port the mortgage to a new property. This “porting” facility offered by mortgage lenders is not a guarantee, and the terms and conditions of any mortgage offer make this clear, highlighting that a request to port your mortgage will be assessed again at the time of that request, and all circumstances will be reviewed as if the lender is assessing the loan for the very first-

unable to port their mortgage, the only option left is to find a new mortgage provider, and repay their existing lender. Depending on the number of years remaining on the fixed rate mortgage at the time, could mean penalties of up to 5% of the outstanding balance owed (or even more when fixing for ten years). These expensive penalties should be considered when deciding to opt for a longer-term fixed rate, and clients need to ensure they have given plenty of thought to any changes in upcoming years, and really only look to fix the interest rate for a timeframe that is right for them and their future plans.

Policy Committed at the Bank of England voted to increase interest rates in December 2021 (0.15%), and then again in February 2022 (0.25%), and the expectation is rates will continue to rise for the remainder of the year (approx. 1%). The good news is that interest rates offered by mortgage providers are still incredibly competitive, in particular five-year fixed rates, which are still within touching distance of where they were before recent movements in Bank of England Base Rate, this is a great opportunity to borrowers whose initial deal period expires in the coming months.

Finance

WORDS ROSS MURPHY Capricorn Financial

Cash is king! If you are looking to de-risk your borrowing/leverage, then preserving cash-flow is the order of the day. The objective is to minimise committed monthly expenditure to a point where essential expenditure can be covered entirely using the lowest possible proportion of net monthly income. This can be achieved through a variety of measures: interest-only borrowing, partinterest only / part-repayment borrowing, stretching the mortgage term etc. Moreover, securing borrowing over a longer period gives peace of mind and certainty that monthly payments will not fluctuate, irrespective of movements in Bank of England Base Rate. Despite recent movements in Bank of England Base Rate, long-term fixed-rate options/products are still highly competitive – regardless of the loan-to-valuation of the deal.

Fortime.clients

Using mortgage products to your advantage - a guide to borrowing money 'safely'.

oss Murphy from Capricorn Financial Consultancy helps to answer the question on everyone’s lips; how can I borrow money as safely as possible?

High-inflation, COVID-19, and more recently war in Europe, borrowers are keen to lock-in for the long-term. The Monetary

For borrowers that meet the qualification criteria for either interest-only OR part interestonly / part repayment structures, it is possible to reduce your committed monthly expenditure to very affordable levels, whilst retaining the flexibility to make overpayments as and when it is possible. Most providers allow borrowers to repay up to 10% of the outstanding capital balance PA, without incurring penalties. Alternatively, for those that do not meet the qualification criteria of interest-only structures, lenders have adopted a more reasonable approach to the anticipated retirement age of borrowers – thus allowing longer terms to repay debts/borrowing. A number of providers allow mortgage terms up to the age of 80 for the eldest Oneapplicant.point to be mindful of surrounding longer-term fixed-

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Kindle Oasis adjustable warm light that allows you to shift screen shade from white to amber. Thin and light ergonomic design with page-turn buttons. Reads like printed paper with E-Ink technology.

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Don't get rid of your face masks just yet. This reusable and adjustable air mask protects against air pollution, smog, pollen, allergies, and bacteria. Ideal for your daily tube travels.

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Water-resistant and functional backpack from the Urban Outdoor series is constructed with Cordura EcoMade polyester and leather patch

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Finnish health technology company Oura have developed the ‘fitbit for your finger’, a smart ring used to track sleep and physical activities. Made of titanium, the Oura Ring is durable and built to last.

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27 INTERIOR & DESIGN

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The indoor/outdoor life we all enjoy in the spring and summer is amazing, but it has its downsides. When the paddling pools come out, so do the muddy footprints. Well with this little bot, you don’t have to worry, just set it off in the kitchen or conservatory and it’ll keep things looking shiny.

Home Tech

WORDS JOSH WOODFIN Property Journalist

GADGETS

The most important ingredient for a good garden party? Music. The Sonos Roam has you covered. Incredible sound, waterproof (for any hose accidents), and seamless access to Amazon Alexa or the Google Assistant, as well as Apple AirPlay 2 and Bluetooth wireless playback. It’s not cheap at around £180, but it’s tough and sounds great.

"No Winter lasts forever; no Spring skips its turn."

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Coway Airmega 150 HEPA Air Purifier

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Apple Watch Series 7

Chances are you’ve got one or two holidays booked in this year. And whether you’re an action sports fan, or you just want to get some shots of the kids enjoying some pool time, the GoPro Hero10 is the right choice. It can capture supersharp 5.3K video, 23MP still images, as well as live-stream your adventures in high resolution, go 33 meters underwater and, maybe best of all, it has stabilisation to make your footage look a bit more professional.

Don’t know if it’s just us or a result of the last few years, but we’re big on clean air at the moment. And if you live in the capital, you’ll know then when things heat up, it can get a little stuffy. The chic-looking Airmega is a great choice if you’re looking for an air purifier. It’s unobtrusive but performs brilliantly, and even has a light indicator to show the quality of the air at home.

GoPro HERO10 Black Waterproof Action Camera

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GADGETS

We hardly need to tell you about the Apple Watch, but the Series 7 is something else. Bigger screen, best-in-class health, fitness, and wellness-tracking capabilities, all powered by accurate heart rate and blood oxygen sensors. You can customise the finish and choose from a multitude of straps.

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32 f you’re looking to sell your property, we have some good news: the market is hot. Hotter than it’s been for some time, despite the frenzy around the stamp duty holiday during the height of the pandemic.

Premium-priced homes - to sell or not to sell

always remember your property is only worth what buyers are willing to pay.

demand is lower. Some initial advice from the sales team at Brik includes:

Excluding the few weeks on either side of Easter, buyers will be on the hunt pretty much nonstop until July. So you should be marketing your property now, to try and avoid the quiet summer and lead up to Christmas, when

To sell your home, you need to know what it’s worth. You should get a range of valuations from agents (we advise at least three) and you should also use online portals like Zoopla and Rightmove. You also need to do your own research. Look at the sales history of similar properties on your street or in the surrounding area. Competition determines value;

SELLER’S GUIDE I

The average asking price of property rose between January and February, and this rise was equivalent to more than £7,700. This was the biggest monthly jump in cash terms ever recorded by property website Rightmove. The continued desire for more space, whether it’s second steppers, or first-time buyers, combined with the spring rush and drive to get sales completed ahead of the summer means we’re in a prime seller's market.

Be confident. Negotiate a little harder, but be reasonable about the price, and find the balance. Often a buyer will pay more when pushed a little by the agent, now that the market is moving again.Don’t

over-value your property by being too bullish, as you’ll be in danger of missing the buyer demand for your home entirely. This will make your house look stale.

Make sure you find the right agent. Shop around, find the agents with the local knowledge and a history of securing similar properties to yours for a price you’d be comfortable with.

Instead of asking them what’s the best price they can get for your house, ask them what price will generate the most interest. Selling is a numbers game, and you need to get as many people as possible through the door in a short amount of time.

Seller's Guide

Finally, don’t discount the simple stuff, like setting the scene.

Clearing clutter, finishing any DIY projects, clearly defining the role of each room, touching up the front garden and door, are all simple things that can help you get the right price for your property.

JOSH WOODFIN Property Journalist

WORDS

Be frank and straight with buyers without playing games, as this will help to instil more confidence in buyers potentially offering more.

Your agent should be telling you why buyers reject your property. This information is very valuable, make sure you receive it. When you do find an interested buyer be sure to communicate openly, quickly and in a transparent manner to build trust. After all they are hopefully just about to drop an enormous amount of money on the purchase.

UK sellers fall far behind their US counterparts here. Have an agent give you advice on what they would do, don't take it personally. They can see what has become invisible to you and is an eyesore to potential buyers. Don't scrimp! See it as an investment which will yield a greater return and have faith in what your agent is telling you.

Discuss with your agent the price you should list your property for. Remember a list price isn't the value of your home, that is determined only by the highest bidder. You can list low to generate demand to drive the price, or high to try out the market. Beware of getting this part wrong.

Even if you negotiate for a living it's unlikey you will have negotiated many house sales. It's unlikely you'll know how to deal with the common pitfalls and 'gotchas' in the business. On the other hand it is likely you'll have a good dose of emotional attachment to the deal and your agent should have negotiated hundreds of similar deals. Listen to what they are saying. Don't be afraid to be blunt on what you want or what you are thinking about the deal - or even the agents motives!

1 2 35 64

List Price

From Agent to Offer

Communication Negotiation

Find out which agent has sold the most property in and around where you live. Invite in at least three to pitch their services to you. Make sure the agent pitching to you is the agent that will actually sell your home. Often it isn't! Don't go on price alone. As the saying goes, if you pay peanuts...

Preparing your property

Choose Your DressingAgent

Once you have done the necessary 'works' on your home move on to the objects. Consider renting a storage unit and off-loading the majority of your clutter into it whilst you try and secure a sale. Buy new trinkets for shelves and consider a full on dressing service too. Again you get out more than what you put in.

With over 15 years experience selling property across Fulham, we are the go-to Fulham property experts. If you're looking for a bespoke 5-star service delivered by professionals, look no further. PropertyFulhamExperts are here. Horse

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RG BUILD LTD

WANDSWORTH BRIDGE ROAD

rgbuild.uk

35 SHOWCASE

Conversion of a highly sought after Lion House property into four 2 bed 2 bathroom boutique spacious and contemporary apartments, featuring master class kitchens, underfloor heating in the kitchen/dining and bathrooms, bespoke wardrobes and a parquet floor communal entrance hall.

Lion House Conversion / Boutique & Spacious Apartments / Bespoke Wardrobes

Ashington Road

An outstanding, fully refurbished Victorian family home on a quiet road in prime Parsons Green. Arranged over four floors, this stylish 4 bedroom house offers 1,840 sq ft (171 sq m) of living space.

Ashington Road

Under Offer APRIL 2022 4 HOUSEBed SQ1,840FT

On the ground floor is a fabulous open plan double reception room with hard wood parquet flooring, a wood burning fireplace and Crittall doors leading to the hallway, a beautiful extended bespoke kitchen with lots of natural light, built in appliances, a kitchen island, and ample space for dining. Large sliding rear doors lead out onto the 19 ft 9 (6 metre) long rear patio garden.

Under Offer APR' 22 5 HOUSEBed SQ2,463FT

Britannia Road

An outstanding, extended Victorian house, finished to an excellent specification and located in the popular Moore Park Estate, on the Fulham/Chelsea borders. This stylish family home is arranged over four floors and extends to just under 2,500 sq ft (229 sq m) of well implemented and balanced living space.

FOR£2,595,000SALE5 HOUSEBed SQ2,605FT

A unique and wider than average five bedroom Victorian family home located in the heart of Parsons Green. This outstanding fully extended Victorian family home is just over 2,600 sq ft, arranged over four floors and offering excellent reception and entertaining space.

Eddiscombe Road

44 Under Offer APRIL 2022

Crabtree Lane

A stylish four bedroom Victorian family home located in the highly desirable Bishop’s Park area of Fulham. On the ground floor is an impressive double reception room, a W.C, access to a large storage cellar, a spacious and bright kitchen and dining area with bi-folding doors leading out on to a large south facing 48ft (14.6m) rear garden. Bishop’s Park is a very popular area with families who are attracted to the pretty freehold terraced houses.

4 SQ2,198HOUSEBedFT

26 Wadsworth Road, Perivale, UB6 7JZ | 141 Hook Road, KT6 5AR marcus@1stfoldingslidingdoors.co.uk | T: 0208 997 2448 | F: 0208 997 0611 Exhibits well-executedthoughtful,designandluxury. 1st Folding Sliding Doors

Filmer Road is a very convenient location, located just North of the Fulham Road with its independent restaurants, cafes and boutique shops. This house offers almost 1,500 sq ft (139 sq m) of well-arranged living space. The ground floor has a bright living room with original features and wooden flooring, a kitchen breakfast room with built in appliances, central island and ample space for dining and a useful cellar space. Double doors from the kitchen lead out to an 18 ft South East facing private garden.

Road FOR£1,400,000SALE

3 SQ1,497HOUSEBedFT

Filmer

47 Under Offer APRIL 2022

4 SQ1,926HOUSEBedFT

This charming house extends to almost 2,000 square feet and is arranged over three floors. On the ground floor there is an elegant double reception room with a working fire and original cornicing. There is also a useful cellar space. To the rear of the property is an extended kitchen breakfast room with a smokeless fuel stove with a chimney flu and access out onto a secluded 30ft South West facing garden.

Felden Street

48 Greswell Street FOR£1,250,000SALE4 MAISONETTEBed SQ1,652FT

A spacious four bedroom, two bathroom upper maisonette extending to just over 1,650 sq ft (154 sq m), located in the very popular ‘Bishops Park’ area. The accommodation comprises a ground floor private entrance with stairs leading up to a wide landing. On the first floor there is a wider than average and incredibility bright open plan reception room, with a bay window and hard wood flooring throughout.

Located off Fulham Road, this attractive Victorian conversion flat is conveniently located for Parsons Green underground station. The property comprises: reception room with wood-burning stove; three double bedrooms; bathroom with underfloor heating and a light and spacious kitchen/dining room opening onto a lovely SouthWest facing garden. Every room is well proportioned and there is an abundance of storage

Whittingstallspace. Road

50 SQ984FLAT3FOR£1,100,000SALEBedFT

51 SQ825FLAT2FOR£895,000SALEBedFT

Cawthorn Apartments

A stunning two double bedroom, two bathroom apartment, benefitting from having secure parking, a concierge service and lift access. This recently developed building is also only a short distance to Putney Bridge tube, Bishops Park and Fulham Palace. This stylish first floor apartment comprises a large open plan living space, with a modern kitchen featuring a Siemens multi-function oven, microwave combination oven and induction hob. There are two double bedrooms, one with en-suite and a further modern bathroom.

52 SQ889FLAT2FOR£850,000SALEBedFT

A bright and spacious first & second floor 2 bedroom flat with a large reception room. Arranged over the top 2 floors of a period building, the first floor accommodation comprises two double bedrooms with built in storage and a shower room. The top floor has a separate modern kitchen at the back and 24ft6 x 14ft5 duel aspect reception room. Colehill Lane is one of ‘Munster Villages’ most popular streets due to the close proximity to Parsons Green (approx. 10 minutes’ walk), Bishops Park and the Thames riverside walk.

Colehill Lane

53 SQ866FLAT2FOR£765,000SALEBedFT

A beautifully presented two bedroom west-facing garden flat on Wandsworth Bridge Road with its own front door. The flat offers 866 sq ft (80 sq m) of living space set over the ground floor of this period conversion. There is a spacious reception room to the front of the property, main bedroom with built in storage, second bedroom with built in storage, family bathroom and a bright open plan kitchen dining room with access onto the private west-facing patio garden.

Wandsworth Bridge Road

This stylish property has been recently refurbished and is located on the first floor of a Victorian terraced house. To the front of the flat there is a bright and spacious open plan kitchen living room, offering plenty of light from the bay window. There are two good sized bedrooms, both benefitting from having fitted storage and a modern bathroom to the rear. Lilyville Road is located in a prime position within a small group of popular residential streets that run north off Fulham Road, and is without doubt one of the most sought after areas in Fulham.

Lilyville Road

54 FOR£675,000SALE2 FLATBed SQ546FT

56 SQ417FLAT12022LETBedFT

Mirasis Apartments

A well-presented one bedroom flat in an excellent location close to the river and Fulham High Street. This property has an open-plan kitchen and reception room with a good size double bedroom and bathroom. The flat is in a great location, with both Bishop's Park and the Thames riverside walk very close to hand. The closest underground station is Putney Bridge (District Line, Zone 2) which is a short walk away.

57 SQ2,016HOUSE42021LETBedFT

Felden Street

A modern and spacious four-bedroom terraced house, decorated in a neutral and modern style throughout. Spread over three floors the property opens to a spacious double reception room followed by an amazing fully fitted kitchen leading out to the private patio garden, there is also a guest WC on the same floor. The lower ground floor consists of a functional utility space with a separate washer and dryer and extra storage space. The first floor offers three rooms which include two double bedrooms, a dressing room, and a family bathroom.

A stylish two double bedroom split level maisonette with a roof terrace. The property is arranged over two floors offering in excess of 960 square feet, two double bedrooms (both with built in wardrobes), two bathrooms (one en suite), reception room and a stunning mezzanine kitchen/diner with direct access roof terrace. Hestercombe Avenue is a quiet residential street located in a desirable group of roads that run just off the Fulham Road.

Under Offer APRIL 2022 2 MAISONETTEBed SQ969FT

Hestercombe Avenue

A split level two bedroom garden flat on Bishops Road. There are two bedrooms, one of which has an en-suite shower room and there is also a family bathroom/shower allocated on the ground floor. Open plan kitchen/dining area leading out onto a private patio garden which is a great entertaining space. The very bright living area located at the front has an amazing high ceiling. Bishop's Road is a fantastic location, close to independent restaurants, cafés and shops of the Fulham Road, which runs parallel.

Bishops Road

60 Under Offer20222BedFLAT1,001SQFT

This superb two bedroom ground floor flat which is well located in the highly desirable cluster of roads that sit between Fulham Road and Bishops Road near Parsons Green. The flat features a very light open plan reception room/ kitchen with inbuilt appliances which leads out to the patio garden via the bi-folding doors. There are two good size double bedrooms one with an en-suite, both having high ceilings and plenty of storage. There is a separate family bathroom.

Radipole Road

61 SQ1,017FLAT22022LETBedFT

A beautifully presented two bedroom split level maisonette with a separate study/ nursery located in the Munster Village on Wardo Avenue. This property is set out over the first and second floor of a period maisonette and is decorated in a modern and neutral finish throughout. It consists of two double bedrooms, two bathrooms (one en suite), study/nursery, a spacious separate living room and a modern fitted kitchen to the rear. There's also a private roof terrace at the rear of the flat which is accessed from the second floor.

Wardo Avenue

62 SQ1,193FLAT22022LETBedFT

63 SQ840FLAT22022LETBedFT

A stylish two bedroom split level flat located a short walk from Parsons Green. The property comprises of an open plan living room/ kitchen with a Juliette balcony. Two bedrooms one of which is en-suite. The property has been neutrally decorated and offers clever storage solutions throughout, maximising its space. It benefits from wood flooring with underfloor heating and air conditioner fitted to the master bedroom.

Homestead Road

64 SQ2,619HOUSE52021LETBedFT

An outstanding five bedroom three bathroom terraced house finished to the highest specification and located in a prime location between Parsons Green and Eel Brook Common. The ground floor has an open plan layout with a reception room which leads through to a modern kitchen fitted. There are bi-folding doors which open out onto a secluded low maintenance garden. On the basement level there is a family/TV room fitted with bespoke joinery and a separate WC and utility room.

Novello Street

This modernised two bedroom Victorian maisonette is arranged over two floors, offering in excess of 712 square feet. The reception room and mezzanine kitchen/ diner are very bright and spacious thanks to the vaulted ceilings. St. Dunstan's Road is under a mile to Barons Court, 10 min to Hammersmith Tube Stations and 8 min walk to Barons court tube station. The excellent shops, bars and restaurants of both Hammersmith and Fulham palace road are also within close proximity.

65 Under Offer APRIL 2022 2 SQ712FLATBedFT

St. Dunstan's Road

DBLO

Icon 020icon-architects.com77310400

Mactaggart Speir & Watson Surveyors LondonWestPalliserTheCentenary020mswsurveyors.co.uk71833415HouseQueen’sClubRoadKensingtonW149EQ

15-17 Jockey’s Fields London WC1R 4QR

Giles Gas & Plumbing 020giles-gas.co.uk38140270

Magenta Pink 07956magentapinkinteriors.co.uk884437

Solicitors (JaneHealysBaker) 020healys.com78224120

Mortgage Brokers

W6Hammersmith,10203capricornfinancial.co.uk1110942QueenCarolineSreetLondon9YN

965 Fulham Road London SW6 5JJ

020simongillarchitects.co.uk76109344

227a Stephendale Road London SW6 2PR

Capital Leasehold 020capitalchartered.co.uk71125169 64 SW1XLondonKnightsbridge7JF

RJV Designs 020rjvdesigns.co.uk73856009

Design 2 Finish 07968design2finish.co.uk8211667

119 Harwood Road London SW6 4QL

NU Builds 0207nubuilds.com7316841

66 Architects

07951traceyandrewsinteriors.co.uk203525

Capital Chartered 020capitalchartered.co.uk88750035

Please contact us if you would like to add your business to this directory. Email hello@brik.co.uk

Tracey Andrews

Healys Solicitors (Jane Baker) 020healys.com78224000

11 Lettice Street London SW6 4EH

020blazeandco.co.uk73732214

Argyll House All Saints Passage London SW18 1EP

Roxburgh Construction 020roxburghconstruction.co.uk77317480

Flat 2

Ross Murphy

111 Drayton Gardens London SW10 9QU

020ed-studios.com77130056

51 Calthorpe Street London WC1X 0HH

Emergent Design Studios

Simon Gill

74 The LondonRanelaghArchesGardensSW63UB

54 Chipstead Street London SW6 3SS

1 Putney Bridge Approach London SW6 3JD

Uber Contracts 020ubercontracts.co.uk31515034

Leasehold Advice

Looking for something? Look no further with our recommended suppliers directory, just mention where you found them.

Interior Design

126 Harbord St London SW6 6PH

Nuspace 0203I-want-nuspace.co.uk4053480

186 Dawes Road London SW6 7RQ

Additions

49 Milton Road London SW14 8JP

Judge Sykes Frixou (Belinda Frixou) 020jsf-law.co.uk73953355 23 LondonKingswayWC2B 6YF David (DavidTaggTagg) 020morrlaw.com77360999

BlazeBuilders&Co.

020dblo.co.uk76109333

Atrium Court 15-17 Jockey’s Fields London WC1R 4QR