Winter 2023/24
SOURCE Let’s find the one
The power of social media see page 8 Custodian of a Listed Building see page 21 Preparing to sell. The devil’s in the details... see page 40
06 Splendid Grade II Listed Georgian mansion in exceptional grounds
10 A superb country property in a stunning setting
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18
Handsome Regency country house in a rural setting
Characterful Grade II listed period family home
28 Impressive Victorian residence located within a secluded setting
30 A beautiful Grade II Listed former Rectory
Useful insights... 08 12 16 21 32 40
The power of social media FG Auctions Our National CountryAgency Team Custodian of a Listed Building? New Homes Preparing to sell. The devil’s in the details...
38 42 43 Spacious period apartment situated in the historic Grade II Listed Vale Royal Abbey
Welcome
to the latest edition of Source Alasdair Dunne Head of Residential Sector alasdair.dunne@fishergerman.co.uk
Lenders now appear to be increasingly confident that the worst of the inflationary pressure has passed and are releasing mortgages on more affordable terms
If you are thinking about moving house, you may well be carefully watching out for information on inflation rates, Bank of England base rates, and the subsequent impact on interest rates and mortgage costs. Inevitably, high interest rates and therefore mortgage costs subdue the housing market and undermine both the ability and confidence to move. Borrowers need rates to come down but understand this can only happen when inflation rates are falling. The Bank of England has to walk a very fine line between controlling inflation and creating a recession, in other words, slowing consumer spending but not stopping it. The latest indications are that the balance is about right. Base rate rises have inevitably slowed inflation and the balance between recession and growth is on a knife edge, but just leaning toward growth. Lenders now appear to be increasingly confident that the worst of the inflationary pressure has passed and are releasing mortgages on more affordable terms. So, how does that affect home buyers and sellers now? Borrowing money is more expensive than it has been, but as affordability improves, people can pursue their homemoving plans more confidently, and they are. Our current experience is that whilst there are fewer people actively looking to move home, those who are, prove to be active and committed. The number of properties
being offered for sale is nicely balanced with demand and sales are being quickly agreed upon where the pricing strategy adopted is sensible and justifiable. We know that people are taking a longer-term view of their finances, with mortgages agreed over increased time frames and with more reliance on tracker mortgages suggesting some confidence that rates are set to fall further. If you want to move, we can make it happen. We offer great advice and will go the extra mile to exceed our client’s expectations – that’s our thing, we take pride in it. So, onwards! If you are looking for your perfect home or if it’s time to sell, we are ready, willing, and able to help. We are lucky enough to specialise in the sale of the type of houses that are in demand and in areas that people are very keen to move to. This edition of Source shows a carefully curated collection of lovely properties for you to browse through, but please visit our website for more, or perhaps give us a call. At any one time we have many houses being prepared for sale and we are always happy to give you an early preview if we can. Our team and their contact details are on page 4. We would be very pleased to hear from you and to offer you any advice or help that we can. Let’s find the one.
fishergerman.co.uk | PAGE 3
Your key contacts... Joy Brankin-Frisby Leicestershire, Rutland, Northamptonshire
Michael Harris Cheshire, North Wales
07917 220967
07918 677574
07870 961711
thomas.blake@fishergerman.co.uk
joy.brankin-frisby@fishergerman.co.uk
michael.harris@fishergerman.co.uk
Thomas Blake Derbyshire, Leicestershire, Staffordshire
Christian Sanders Worcestershire, Herefordshire
Molly Dickson Bedfordshire, Cambridgeshire
Tom Parker Nottinghamshire, Lincolnshire, Yorkshire
07799 697791
07741 264143
07738 981255
christian.sanders@fishergerman.co.uk
molly.dickson@fishergerman.co.uk
thomas.parker@fishergerman.co.uk
Emily McPheat Derbyshire, Leicestershire, Staffordshire
Matthew Davis Oxfordshire, Buckinghamshire
Ben Charsley Northamptonshire, Oxfordshire
07977 066741
07880 385037
07816 264582
emily.mcpheat@fishergerman.co.uk
matthew.davis@fishergerman.co.uk
ben.charsley@fishergerman.co.uk
Daniel Hayhurst Cheshire, South Manchester
Toby Harris Oxfordshire, Warwickshire, Northamptonshire
Emily Billson Derbyshire, Leicestershire, Staffordshire
07810 378187
07975 980745
07816 189978
daniel.hayhurst@fishergerman.co.uk
toby.harris@fishergerman.co.uk
emily.billson@fishergerman.co.uk
Ella Pearson New Homes Agency
Richard Gadd National Country Agency Team
Matthew Allen National Country Agency Team
07580 323827
07966 481487
07810 378190
ella.pearson@fishergerman.co.uk
richard.gadd@fishergerman.co.uk
matthew.allen@fishergerman.co.uk
PAGE 4 | Source 2023
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Follow us:
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/company/fisher-german-llp 24
@fishergerman_newhomes
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@fishergerman_homes
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/FisherGerman.Homes/
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…and where to find us 1
Ashby de la Zouch 01530 410840 centralagency@fishergerman.co.uk
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Ashford Banbury 01295 271555 banburyagency@fishergerman.co.uk
3 4
Bedford 01234 823661 bedfordagency@fishergerman.co.uk
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Birmingham Bury St Edmunds
6 7
Chester 01244 409660 chesteragency@fishergerman.co.uk
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Cwmbran Doncaster 01302 243930 doncasteragency@fishergerman.co.uk
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Exeter
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Glasgow 12 Head Office 13 Hereford 01432 802545 herefordagency@fishergerman.co.uk High Wycombe 15 Hungerford 16 Knutsford 01565 757970 knutsfordagency@fishergerman.co.uk 14
Liverpool
London 20 Manchester 20 Market Harborough 01858 410200 marketharboroughagency @fishergerman.co.uk 18
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Newark 01636 642500 newarkagency@fishergerman.co.uk
Newcastle 23 Richmond 24 Stafford 01785 257011 staffordagency@fishergerman.co.uk 22
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Thame 01844 212004 thameagency@fishergerman.co.uk
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Worcester 01905 726220 worcesteragency@fishergerman.co.uk National Country Agency Team 020 7870 7799 ncat@fishergerman.co.uk
fishergerman.co.uk | PAGE 5
Splendid Grade II Listed Georgian mansion in exceptional grounds Ashbourne, Derbyshire
Click to find out more • • • • • • • •
3 formal reception rooms, morning room Kitchen, breakfast room 5 bedrooms, 5 bath/shower rooms Self contained 2nd floor accommodation Extensive range of stone buildings Two courtyards, domed clock tower 3 bedroom cottage, stable range In all about 5.15 acres
£
Guide price – £3,000,000 Ashby de la Zouch 01530 410840
PAGE 6 | Source 2023
Click to find out more
A charming and substantial modernised Grade II listed residence Llanfair Talhaiarn, Conwy
£
Guide price – £825,000 Chester 01244 409660
• • • • • • • •
6 bedrooms and 2 reception rooms Breakfast kitchen with crog loft Fantastic character features Parking for numerous vehicles Double garage Planning permission for conservatory Desirable countryside village location In all extending to 0.32 of an acre
Click to find out more
Immaculately presented renovated farmhouse Blackfordby, Leicestershire
• • • • • • • •
Entrance porch, reception hall Impressive living-dining kitchen Formal sitting room, dining room, snug Attached converted barn with office 6 bedrooms, 4 bathrooms Agricultural barns and stores Formal gardens, spinney, grazing land EPC Rating – E
£
Guide price – £2,000,000 Ashby de la Zouch 01530 410840
fishergerman.co.uk | PAGE 7
The power of
social media
when selling a property Depending on what generation you belong to, it might feel a little bit like witchcraft… a search on Google for a camera, a pair of shoes or a kitchen gadget has somehow informed your Facebook newsfeed and you’re now seeing adverts about the very thing you were looking for. Whether you find it usefully informative or infuriating, this is the power of targeted advertising which tries to ensure that you see the things that are most relevant to you, things that will capture your attention for longer and create a positive online experience. This technology is embedded in websites and social media channels and means that just pausing on a picture will dictate what you see tomorrow. Scary in some cases but helpful in others as these things have the power to help you sell your home. Here’s how.
PAGE 8 | Source 2023
First things first, generating interest in your home from potential purchasers is all about ensuring the right people see it at the right time. Harnessing the powers of social media with all that clever personalised browsing experience can really work for you if you have the know-how – and we do! In a competitive market, the use of social media by property agents has become a necessity and, when used correctly, it can be a great tool to sell properties. It’s something you need, so it’s something we at Fisher German do. With dedicated social media pages for our Residential Agency services, we actively promote the homes we are selling and share our knowledge and insights. By targeting our adverts and information we can
match the right home to the right buyer, with social media granting us a wider audience and that instant connection. With an estimated 61.67 million users across all social media platforms in the UK, the potential for exposure is immense and not something to be missed. The age of first-time buyers coincides with those most active across social media, with the average first-time buyer in the UK being 31 years old. These first-time buyers make up 33.9% of home purchases within the UK which is a significant market share. But first-time buyers are not the only ones searching socials for property; an increasing amount of buyers are turning to Facebook and Instagram to find their dream home.
In case we hadn’t convinced you already, let us look into the nitty-gritty of how social media can help you sell your home.
We can target specific interests and areas Using social media ads, we can target people with specific interests located close to your property, making sure the right people see your home. Whether you want to target buyers looking for their first home, or those interested in characterful cottages or rambling rectories, we use our social media ads to get the right property in front of the right person.
A platform built on images and video content What better way to showcase our bespoke properties and stunning locations than by virtually showing you around the property. Videos and images are taken and can be uploaded in minutes, reaching significantly more people than a printed brochure. Bypass all the paragraphs of wording and red tape: you can get a feel for the home before even stepping through the front door.
People share content
Local and industry experts
When it comes to increasing awareness of what we offer and the property we are trying to sell, we want to show off your home as much as possible. We promote your home to our followers across our various platforms, and those targeted ads allow us to increase this target audience even further, reaching even more people. Once these connections are made, our followers take over and are able to tag and share our content with friends and family.
You’ll find that our socials are home to regular market updates and reliable answers to commonly asked questions that are on the minds of your prospective buyers. We are trusted to share up-to-date market information and changes in legislation, augmenting our reputation as a ‘go-to’ source for information within our industry.
/FisherGerman.Homes/ @fishergerman_newhomes
A platform where we can answer questions
@fishergerman_homes /company/fisher-german-llp
Buying a property is an important decision and prospective buyers understandably have a lot of questions. Social media is all about engagement and interactions, so we have the chance to answer questions instantly and interact seamlessly with buyers on a personal level.
There is a reason why so many companies are embracing the social media landscape. It appears that there are no ends to the possibilities created by social media, and in a competitive online market, Fisher German can ensure your property is seen and matched to the perfect buyer. To view our current properties for sale and find out about our property agency consultancy visit www.fishergerman.co.uk/sector/residential-property
fishergerman.co.uk | PAGE 9
A superb country property in a stunning setting Near Eydon, South Northamptonshire
Click to find out more • • • • • • • •
Atrium, large kitchen/dining room Drawing room, wine room, day/play room Study/snug, utility room, cloakroom 5 bedrooms & 4 en suite shower rooms Cinema room, gym/office, sauna & pool Remodelled double carport In all approximately 2.5 acres EPC Rating - B
£
Guide price – £2,450,000 Banbury 01295 271555
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Click to find out more
A rare opportunity to acquire a Grade II Listed property Worcester, Worcestershire
£
Guide price – £925,000 Worcester 01905 726220
• • • • • • • •
Period property with flexible accommodation Abundance of original features throughout Sitting room, study, reception room, snug Kitchen, dining room, sun room 2 cloakrooms, boot room, utility, bathroom Master bedroom en-suite, 2 further bedrooms Double garage with workshop, driveway Views over the racecourse
Click to find out more
Refurbished and extended period property within popular village East Farndon, Northamptonshire
• • • • • • • •
Extensive living kitchen, dining room Garden room, gym Drawing room, separate snug 6 bedrooms with master bedroom suite Large parking area, garage Outbulding Gardens with views EPC Rating – D
£
Guide price – £799,000 Market Harborough 01858 410200
fishergerman.co.uk | PAGE 11
Online Auctions Certainty and transparency are what sellers want when signing up to sell by online auction – and what they got was on average 38% over their guide price. This simple statement sums up why selling by online auction is proving so appealing to sellers. An auction can provide a great alternative to the traditional method of selling by private treaty as it can avoid delays and quickly secure a buyer at a great price for appropriate properties. The online auction process provides complete transparency – a full legal pack is prepared before the auction can commence, thus disclosing all legal aspects of the sale to the buyer and their advisors in one bundle. It only remains for the buyer to inspect the property, take advice from a builder and other specialists as needed, and then come to an informed decision about making a purchase. The auction will run for typically four weeks, at the end of which both the buyer and seller will achieve certainty when the auction ends and the clock goes to zero once the reserve has been met. No change of mind. No additional legal fees following aborted sales. No frustrating delays. As a result, selling property by online auction goes from strength to strength, with transaction numbers up by 30% year on year, a remarkable growth area for Fisher German. As a business, we started to offer online auctions as a new service line before the Covid-19 pandemic, with rural, residential and commercial clients all seeing the benefit of this method of sale. It appeals to private sellers as well as public bodies and charitable institutions who need to be able to demonstrate that the best price has been achieved in the open market.
PAGE 12 | Source 2023
Land near Mollington Banbury, Oxfordshire A good block of pasture land, just under 23 acres in all.
SOLD
Some examples of recent successes include a 23 acre parcel of pasture land, a few miles north of Banbury in Oxfordshire, which attracted heated bidding with 61 bids placed. It finally sold for £376,035, 45% over the guide of £260,000. A growth area in the last year is commercial online auctions – our Knutsford office offered for sale an office block in Sandbach which attracted a lot of interest, finally selling for £526,500 after 81 bids, more than 1.5 times the guide price of £340,000. Acting on behalf of one of Fisher German’s utilities clients, after a review of their non-operational assets, FG Auctions were instructed to sell a semi-detached cottage in a fabulous location overlooking a reservoir near Rugeley. The sale surpassed client expectations going 15% over the guide of £275,000 and finally selling for £315,500. And for the buyer, how does it work? When it comes to bidding, you can do so from the comfort of your own home sitting around the laptop with other family members and watch the bids being submitted on screen. As soon as the reserve is met, the screen tells you, meaning that any subsequent bids will reset the timer for five minutes allowing you plenty of time to discuss your next bid with those around you. When you’re waiting to see if you’ve placed the winning bid, five minutes can feel like an age! But if you are the successful buyer, when the timer goes to zero, that’s the exchange of contracts. This offers more certainty and security than the more common private treaty sale, where getting to exchange of contracts can sometimes be a long and fraught process, taking typically three to four months. Online auctions offer the seller the chance to sell their property in a fast, transparent and certain manner – in this increasingly challenging market, that could be good to know. Turn to your local property professionals, Fisher German, to find out how online auctions can help you.
For further information... If you are interested in finding out more about selling by online auction, please contact Tom Dennes, Head of Auctions on 07587 033061 or tom.dennes@fishergerman.co.uk
£
Guide price: £260,000
Sold price: £376,035
Cottage overlooking reservoir Dapple Heath, Staffordshire A charming cottage for renovation overlooking Blithfield Reservoir
SOLD
£
Guide price: £275,000
Sold price: £315,500
Commercial office building Sandbach, Cheshire A detached three storey office block, made up of 6 office suites, in the centre of the town
SOLD
£
Guide price: £340,000
Sold price: £526,500
fishergerman.co.uk | PAGE 13
Click to find out more
Beautifully presented Grade II listed Georgian former farmhouse Ticknall, Derbyshire
£
Guide price – £1,250,000 Ashby de la Zouch 01530 410840
• • • • • • • •
Reception hall, drawing room Living kitchen, dining room 6 bedrooms, 2 family bathrooms 2 bedroom barn conversion Gym/games room, 2 stables/stores 2 open fronted garages Generous internal courtyard, gardens Desirable village location
Click to find out more
A delightful extended Grade II Listed former farmhouse South Newington, Oxfordshire
• • • • • • • •
Front entrance hall with cloakroom Sitting room, study & dining room Library/study Large ‘living’ kitchen & utility room 5 double bedrooms, 2nd floor bedroom 6 2 bathrooms and 1 shower room Barn comprising 3 open bays In all extending to just under an acre
PAGE 14 | Source 2023
£
Guide price – £1,725,000 Banbury 01295 271555
A superb Grade II Listed Georgian manor house Broughton Hackett, Worcestershire
Click to find out more • • • • • • • •
Sitting room, dining room Kitchen, utility, study 6 bedrooms, 2 bathrooms Home office, extensive cellarage Attached 6 car garage and parking South facing gardens, enclosed rear courtyard Extends to approximately 5,205 sq ft In all about 0.51 acres
£
Guide price – £1,150,000 Worcester 01905 726220
fishergerman.co.uk | PAGE 15
National Country Agency Team The knowledge and expertise provided by your local office is complemented and enhanced by our National Country Agency Team. Specialising in the sale of complex and higher value property, the National Country Agency Team can provide additional market insight, technical expertise and guidance to chart a clear path through the myriad and often complex factors that could be influential in a sale. The team are focused on unlocking additional value by formulating, and then implementing, the best strategy to create the highest possible sale price for country houses, farms and estates. Local and regional buyers are the largest group of potential purchasers for most properties and our regional offices will cover this group comprehensively. However, where properties are unique and in short supply, experience demonstrates that buyers often have much wider search areas. Our ability to promote
and market your property to reach a national market can add a valuable advantage to your sale. The National Country Agency Team will be responsible for co-ordinating the London exposure of your property which is augmented utilising LonRes, recognised as the premier network and data source for over 6,000 leading agents working in London. By instructing Fisher German, you are connecting your property to the best possible network of London buyers who are relocating out of the capital, and at no extra cost to you. Current estimates suggest that the LonRes network has in excess of 100,000 active buyers, many of whom are selling in London and relocating to the countryside. Finally, in addition to delivering the very best job, we want you to enjoy working with the National Country Agency Team; a personal and collaborative approach is at the heart of what they do.
If you feel that your property sale might benefit from the expert insight of the National Country Agency Team, please call 020 7870 7799 or email ncat@fishergerman.co.uk
PAGE 16 | Source 2023
Stuart Flint 07501 720422 stuart.flint@fishergerman.co.uk
Alasdair Dunne 07501 720412 alasdair.dunne@fishergerman.co.uk
Matthew Allen 07810 378190 matthew.allen@fishergerman.co.uk
Richard Gadd 07966 481487 richard.gadd@fishergerman.co.uk
Click to find out more
Beautifully situated country family home Thame, Oxfordshire
£
Guide price – £2,275,000 Thame 01844 212004
• • • • • • • •
6 bedroom country house 2 reception rooms, kitchen, pantry Family bathroom, 2 en suites Outdoor swimming pool annex Detached garage, workshop stables Detached barn potential development In all around 8 acres EPC rating – D
Click to find out more
A modern wellappointed family home completed to an exemplary standard Cuddington, Cheshire
• • • • • • • •
Entrance hall Lounge, sitting room, study Open plan kitchen, adjoining dining area Principal bedroom with dressing area, ensuite 3 further double bedrooms Dressing room/bedroom 5 Private well-maintained garden, patio EPC Rating - B
£
Guide price – £595,000 Knutsford 01565 757970
fishergerman.co.uk | PAGE 17
Click to find out more
Characterful Grade II listed period family home Priors Marston, Warwickshire
£
Guide price – £950,000 Banbury 01295 271555
• • • • • • • •
Entrance hall, kitchen/breakfast room Rear hall, cloakroom/WC/boot room Sitting room with open fireplace Study, Drawing room with fireplace Utility room Five double bedrooms (one en suite) Former stable/outbuilding potential In all about 0.3 acres
Click to find out more
A charming Grade II listed character residence Llannefydd, Conwy
• • • • • • • •
4 Bedrooms, 3 Bathrooms Character features Extensive outbuildings Two storey studio, garage and workshop Mature and well-maintained gardens Superb rural aspect In all about 0.65 of an acre EPC rating - G
PAGE 18 | Source 2023
£
Guide price – £740,000 Chester 01244 409660
Well designed modern home in rural setting with far reaching views Goadby, Leicestershire
Click to find out more • • • • • • • •
7 bedrooms, 3 family bathrooms Entrance hall, high quality kitchen Open plan dining room and garden room Utility and pantry Sitting room, family room Triple garage and parking area Beautiful garden with rural views EPC Rating - C
£
Guide price – £1,375,000 Market Harborough 01858 410200
fishergerman.co.uk | PAGE 19
Click to find out more
Handsome Regency country house in a rural setting Pershore, Worcestershire
£
Guide price – £1,495,000 Worcester 01905 726220
• • • • • • • •
Entrance hall, drawing room Sitting room, snug, dining room Kitchen, utility Principal bedroom, en suite, dressing room 4 further bedrooms, 2 family bathrooms Double garage, store room and gardens In all about 2.89 acres EPC rating – E
Click to find out more
A beautifully designed five bedroom detached family home Bishampton, Worcestershire
• • • • • • • •
Fabulous open plan live-in kitchen Family room, sitting room Master bedroom with en suite & dressing room Guest bedroom with en suite 3 further bedrooms, family bathroom Double garage and ample parking Large south facing rear garden EPC Rating – C
PAGE 20 | Source 2023
£
Guide price – £1,200,000 Worcester 01905 726220
Custodian of a Listed Building? We’re honoured to handle some of the finest character and period property sales throughout the UK, many of which are of special architectural or historical interest and have listed building status to reflect this. Listed building status is conferred by Historic England, which is a government body sponsored by the Department for Culture, Media and Sport. When an appropriate building is identified and given the status, the building is then considered to be of national importance and is given extra legal protection within the planning system.
There are three categories of listed status for buildings in England and Wales:
• Grade I: buildings of exceptional interest • Grade II*: particularly important buildings of more than special interest • Grade II: buildings that are of special interest The custodians of these properties have often been so for a generation, and during that time have carried out works, whether general maintenance or considerable structural alterations. This is of course their prerogative; but often, and innocently, we are finding that little to no consideration has been given to the listed status and the necessary consultation that should take place with local authority and conservation specialists.
Property transactions are coming under more scrutiny than ever, with legal professionals and lenders particularly under pressure to reassure all parties of the historical legitimacy of a property. Furthermore, it is now essential that sellers and their representatives are transparent, and any known issues should be presented to interested parties at the earliest opportunity. This has been highlighted recently, with several legal cases being made against sellers who did not declare material facts that may have influenced a purchaser’s decision-making.
fishergerman.co.uk | PAGE 21
A good level of documentation must be compiled throughout the tenure of ownership of any property, but with listed properties and the sensitivities attached, extra care is required.
During the early stages of market preparation, unless already known/ documented, we recommend a full planning review via experienced planning consultants and commentary from building surveyors if appropriate. This will highlight any areas of concern that should be declared or dealt with retrospectively. A good solicitor should also be appointed early to advise on the legal consequences and resources that should be considered to smooth the process, such as indemnity policies, for example.
Not only are there consequences that could impact a sale, but preventing unlawful works is a very important part of heritage protection. It is why carrying out works without obtaining the necessary Listed Building Consent is a criminal offence. In the worst cases, prosecution could lead to total demolition of works, an unlimited fine or even a prison sentence. It is also worth noting that even after a sale has been completed, the party who either carried out the work or instructed it will still be liable, together with the purchasers who, as the new owners, could be subject to the obligations of a Listed Building Enforcement Notice.
Fortunately, at Fisher German, we are extremely well placed to offer early guidance, with experienced professional agents able to establish a route to market which best positions the seller. There are no benefits in trying to mask known issues; it will only delay the sales process and likely create additional costs and barriers further down the transactional line. Not to mention the lack of trust between parties that may creep in.
PAGE 22 | Source 2023
We regularly work with our planning consultants, and they have added some useful signposts:
When considering works on a listed building, understanding its historic significance and the impact any planned works may have upon this is crucial. Specialist advice alongside early engagement with the Conservation Officer at the Local Planning Authority is highly recommended to help ensure the process is as smooth as possible. Obtaining Listed Building Consent can feel like an onerous process where the level of detail required as part of any submission can be substantial, but it is an important process to satisfy as it can otherwise have considerable consequences. The requirement for Listed Building Consent usually covers the internal and external fabric of the building, alongside any fixtures or curtilage to listed buildings, and helps to ensure that elements which are of significance can be preserved. Where works have been undertaken without consent, then this can cause issues as part of the conveyancing process and potentially prevent the sale of a property. Those who carried the works out and those instructing the works can be prosecuted. There is also the risk of an owner receiving a Listed Building Enforcement Notice seeking to achieve restoration or reduce the impacts of unlawful works. This can be served upon the owner of the building even if the works were carried out by the previous owner. Where an owner is seeking to rectify a situation about unconsented works, it would be prudent to seek professional advice to understand what might be in breach and how this may be remedied. This would typically involve the input of planning and heritage consultants alongside seeking specialist legal advice.
xx xx xx xx
If you’d like further information on how Fisher German can assist with your listed property, please contact…
Matthew Allen National Country Agency Team
Thomas Blake Derbyshire, Leicestershire, Staffordshire
07810 378190
07917 220967
matthew.allen@fishergerman.co.uk
thomas.blake@fishergerman.co.uk
fishergerman.co.uk | PAGE 23
Selling success SOLD
SOLD
Alderley Edge, Cheshire
SOLD
Donisthorpe, Derbyshire
SOLD
Welford, Northamptonshire
SOLD
Tenbury Wells, Worcestershire
PAGE 24 | Source 2023
Bangor-on-Dee, Wrexham
SOLD
Lower Kinnerton, Cheshire
SOLD
North Marston, Buckinghamshire
SOLD
Kingston Blount, Oxfordshire
SOLD
South Kilworth, Leicestershire
A selection of recently sold properties SOLD
Brailsford, Derbyshire
SOLD
Upper Tadmarton, Oxfordshire
SOLD
SOLD
Naseby, Northamptonshire
SOLD
Cuddington, Cheshire
SOLD
Haddenham, Buckinghamshire
SOLD
Malvern, Worcestershire
SOLD
Etwall, Derbyshire
SOLD
Upton-upon-Severn, Worcestershire
Gresford, Wrexham
fishergerman.co.uk | PAGE 25
Selling success SOLD
SOLD
Knightley, Staffordshire
SOLD
Brackley, Northamptonshire
SOLD
South Newington, Banbury
SOLD
Long Crendon, Buckinghamshire
PAGE 26 | Source 2023
Chester, Cheshire
SOLD
Ingleby, Derby
SOLD
Mow Cop, Staffordshire
SOLD
Brill, Buckinghamshire
SOLD
Great Wyrley, Staffordshire
A selection of recently sold properties SOLD
Knightwick, Worcestershire
SOLD
Winster, Derbyshire
SOLD
SOLD
Mollington, Cheshire
SOLD
Welford, Northamptonshire
SOLD
Sibford Ferris, Oxfordshire
SOLD
Goadby, Leicestershire
SOLD
Worcester, Worcestershire
SOLD
Longwick, Buckinghamshire
Bebington, Merseyside
fishergerman.co.uk | PAGE 27
Click to find out more
Super six bedroom farmhouse close to Repton set within 19 acres Milton, Derbyshire
£
Guide price – £1,750,000 Ashby de la Zouch 01530 410840
• • • • • • • •
3 reception rooms Open plan living/dining kitchen Master suite with dressing room Further 5 bedrooms over two floors Traditional outbuildings, garaging Yoga studio, kennels with runs Paddock land, lawned gardens, woodland EPC rating – D
Click to find out more
Impressive Victorian residence located within a secluded setting Rangemore, Staffordshire
• • • • • • • •
Spacious reception hall Sitting room, playroom Open plan living dining kitchen 5 bedrooms, family bathroom Master bedroom with en suite Detached one bedroom annexe Triple garaging range, generous gardens EPC Rating – F
PAGE 28 | Source 2023
£
Guide price – £1,450,000 Stafford 01785 220044
An imposing family residence dating back to the 16th century Holyhead, Isle of Anglesey
Click to find out more • • • • • • • •
5 bedrooms, 3 reception rooms 3 holiday cottages Unconverted barn with potential Private walled gardens Tranquil & secluded fishing lake Paddock suitable for grazing In all about 3.44 acres EPC rating - E
£
Guide price – £1,250,000 Chester 01244 409660
fishergerman.co.uk | PAGE 29
A beautiful Grade II Listed former Rectory Long Crendon, Buckinghamshire
Click to find out more • • • • • • • •
Four/five bedrooms Four reception rooms Kitchen/breakfast room, cellar Character features Period barn and outbuildings Potential for conversion Beautiful gardens In all around 0.58 acres
£
Guide price – £2,250,000 Thame 01844 212004
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Click to find out more
Attractive property in an idyllic setting set within 2 acres South Kilworth, Leicestershire
£
Guide price – £1,395,000 Market Harborough 01858 410200
• • • • • • • •
Attractive, well-proportioned home Central reception hall Open plan kitchen with utility Garden room with superb views Large sitting room & study Master & guest bedrooms with en suite Two further double bedrooms EPC Rating - D
Click to find out more
Grade II Listed cottage in the heart of Billesdon Billesdon, Leicestershire
• • • • • • • •
3 bedrooms, 1 bathroom Entrance hall, 2 reception rooms Kitchen with aga, conservatory Additional building with potential Planning permission granted to extend Enclosed garden with seating areas Off road parking Pretty village views
£
Guide price – £595,000 Market Harborough 01858 410200
fishergerman.co.uk | PAGE 31
10 advantages
of buying a new build property Whether you are a first-time buyer, need more space, are downsizing or looking for an investment, there’s a host of reasons to buy a new-build home.
1. High-rated energy efficiency that helps you save on your bills With modern construction and the integration of advanced technologies, new-build homes can be 65% more energy-efficient than equivalent older properties, which should lead to very welcome reductions in utility bills. The very latest insulation materials and heating systems will also help to reduce your home’s carbon footprint as well as your bills.
New Homes Ella Pearson New Homes Specialist 07580 323827 ella.pearson@fishergerman.co.uk
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Some newly constructed homes go further and are certified by an independent, third-party home energy consultant, which requires the home to meet certain energy standards and requirements. This means the home will include insulated walls and ceilings, helping to reduce heat loss during winter and keeping your home cool during the summer. New homes can also include high-efficiency central air conditioning, further reducing utility usage.
maintenance and you can concentrate on the more enjoyable projects. With less to worry about and fewer unexpected out-ofpocket expenses, your newly built home can ease the pressure of home ownership.
3. Modern floor plans and designs for how you live A new home is thoughtfully designed for the way people need and want to live. An open eat-in kitchen with an oversized island creates the optimal place to gather with friends and family. Bedrooms and bathrooms are strategically placed to keep every family member and future guest happy. New homes are designed for modern living so often have more than one bathroom and a downstairs cloakroom, plus open-plan layouts which are better suited to families. There are no outdated carpets, wallcoverings or pastel-coloured bathrooms you’ll have to change as soon as you move in.
2. Low maintenance Our homes can be one of the biggest time- and money-consuming projects that we have and, whilst many enjoy decorating and improving their homes, essential maintenance can be challenging. New homes will naturally require less
4. It’s brand new Built using the latest building codes and safety regulations, new-build homes come with a significant financial benefit of low maintenance costs. With modern plumbing, appliances, heating and air conditioning, a newly constructed home can leave you worryfree for years to come.
5. Peace of mind with a 10year warranty and insurance Just like when you purchase a new car, a newly constructed home (and everything in it!) often comes with a warranty. This means you can buy with confidence knowing the builder will cover the cost of issues during the warranty period, such as a leaky roof or broken water heater.
7. There’s no forward chain
9. Choice
The transaction process itself is often much less hassle with a new build. If you have moved home recently, you may remember that one of the key challenges is balancing your needs with the needs of the person you are selling to or buying from. If a new home is a consideration for you, then buying from a developer takes out a large element of uncertainty. You will be buying a property from a business rather than another private individual, which certainly simplifies the nature of the transaction.
The earlier you register your interest in a new residential development, the more likely you are to find exactly the right home. The key to getting that south-facing or top-floor apartment with fabulous views is to act quickly and find out what your options are. New-build homes are designed with the wants and needs of modern house buyers in mind so there’s every chance you’ll find your wishes fulfilled.
One of the well-known challenges of moving house is trying to get a group of people coordinated to all move house on the same day – the so-called property chain. A new home is inevitably the end of the chain, again simplifying the nature of the transaction.
10. Developers want to sell new homes
6. A new community with new amenities When you purchase a new-build home, you get more than just a house. You also buy into a new community which often benefits from a range of amenities such as walking trails, tennis courts, as well as new doctors’ surgeries and schools for the local area.
It makes sense that developers want to sell new homes and in a competitive market they price their homes accordingly. Both developers and the government are keen to help you move with offers and incentives which can help save you money and time.
8. An opportunity for investment Investing in a new-build home comes with plenty of benefits. You will be buying a home that tenants can move straight into without the need to pay for renovations. In addition, many new residential developments are tactically positioned in sought-after locations with swift transport links, close to great amenities, proving attractive to buyers and renters alike.
“Builders are delivering a wider variety of architectural styles to appeal to virtually every purchaser” fishergerman.co.uk | PAGE 33
A boost to buying
Becketts Green Middleton Cheney, Banbury
Cotswold Oak
Assisted move/Help to Sell/ Easymove/Smooth Move Assisted move schemes are offered by new-house builders or developers. They are intended for those who want to buy a new-build home from the builder/developer but have an existing house they need to sell first.
Part exchange The part exchange scheme is where you trade the value of your existing house against a new-build property. Ultimately, your property serves as part payment for a new-build home and this will help you avoid having to repair a property chain and means you will own a brandnew home. One of the reasons some sellers like part exchange is that the sale of their property is more likely to be guaranteed and it helps them avoid being part of a lengthy and complex chain.
Shared ownership This scheme enables you to buy a share of a new home from the ‘landlord’, who is typically the council or a housing association; you then pay rent on the remaining share. You need a mortgage to pay for your share, which can be between a quarter and three-quarters of the home’s full value. You then pay a reduced rent on the share you don’t own. Later, you can choose to buy a bigger share in the property, and ‘staircase’ up to 100% of its value.
An inspiring collection of 16 two, three and four bedroom homes bordering the Cotswolds in Middleton Cheney, a desirable and idyllic village in south Northamptonshire. Worcester 01905 726220
£
Prices from £475,000
£
Guide Price – £800,000
The Laurels The Laurels, Cheshire
TYR Homes
Armed forces discount In January 2023, the Forces Help to Buy Scheme was introduced offering an enduring policy, ensuring its availability to all service personnel. The scheme enables service personnel to borrow up to 50% of their salary, up to a maximum of £25,000 interest free towards the purchase of a property. In addition, many developers are now promoting incentives too, including deposit contributions and discounts off the sale prices.
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Situated on a bespoke development of two 4 bed family homes expertly completed to an exemplary and highly efficient standard by family owned developer. Knutsford 01565 757970
Thistle House
Orchard Court
Thistle House, Northamptonshire Browns Developments Ltd
A fabulous 4 bedroom stone house finished to a very high standard and specification, in a great position within a popular village.
Much Cowarne, Herefordshire
Mark James Complete Building Services
A small but perfectly positioned collection of carefully crafted homes in the rural idyll of Much Cowarne in Herefordshire. Worcester 01905 726220
Banbury 01295 271555
£
Guide Price – £665,000
Barnsley Hall
£
Prices from £615,000
Hollington, Staffordshire
BN Developments
A unique collection of just 5 luxury one and two bedroom apartments within an exceptional newly converted Edwardian building with secure gated parking and circa 0.5 miles from the town centre. Worcester 01905 726220
Prices from £575,000
Oldham Court
Bromsgrove
£
1NA Ltd
Oldham Court is an exclusive development of prestigious two, three and four bedroom homes situated in a private setting within the desirable village of Hollington.
£
Prices from £450,000
Central team 01530 410840
fishergerman.co.uk | PAGE 35
A charming Grade II Listed four bedroom detached character property Abbots Bromley, Staffordshire
Click to find out more • • • • • • • •
Reception hall Family/dining room, sitting room Kitchen/breakfast room, study Master bedroom with ensuite 3 further bedrooms, family bathroom Workshop, log store/outbuilding Mature gardens, driveway Positioned in sought after village location
£
Guide price – £695,000 Stafford 01785 220044
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Click to find out more
A truly wonderful and unique Grade ll listed end of terraced house Haddenham, Buckinghamshire
£
Guide price – £1,690,000 Thame 01844 212004
• • • • • • • •
Kitchen/dining/family room Additional space as home office/gym Separate utility/boot room Master bedroom with en suite Family bathroom and 2 shower rooms Large cellar Driveway for multiple cars In all around 0.36 acres
Click to find out more
Imposing family home located in a semi-rural location Marston, Cheshire
• • • • • • • •
Entrance hall and cloak room Drawing room and study/sitting room Open plan kitchen, breakfast area, utility 5 double bedrooms Orangery with garden access, wine cellar Lawn, patio and barbecue area Kennels, parking and double garage EPC rating – E
£
Guide price – £950,000 Knutsford 01565 757970
fishergerman.co.uk | PAGE 37
Click to find out more
A charming period property in a desirable village Wigginton, Oxfordshire
£
Guide price – £695,000 Banbury 01295 271555
• • • • • • • •
Reception hall/study Sitting room with inglenook fireplace Dining room, Kitchen/breakfast room 3 bedrooms & family bathroom Garden to front of property Off-road parking Edge of village location, rural views EPC Rating - F
Click to find out more
A fine residential farm in a glorious location set within 89 acres Farndon, Cheshire
• • • • • • • •
Handsome 6 bedroom farmhouse Extensive accommodation over 2 levels Productive grazing land Detached barn with residential consent Idyllic and private setting Ideal for equestrian use In all about 88.99 acres EPC rating - G
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£
Guide price – £2,200,000 Chester 01244 409660
Luxurious apartment situated in an exclusive small development with private garden Alderley Edge, Cheshire
Click to find out more • • • • • • • •
Communal Entrance, Inner Hall Open plan kitchen, living and dining room Principal bedroom suite, dressing room Two further bedrooms, family bathroom Private garden, patio, sun terrace Gated front and rear parking Garage with separate storage room EPC Rating - B
£
Guide price – £1,275,000 Knutsford 01565 757970
fishergerman.co.uk | PAGE 39
Preparing to sell
The devil’s in the details... Moving house should be an exciting and positive experience as we look ahead to a new home and starting a new chapter in our lives. We rightly take great pains to ensure our homes and gardens are showcased to look their best, but often neglect the processes that are key in completing a sale successfully. In today’s risk-averse culture, the contract and supporting documents will be scrutinised just as closely as your roof structure or central heating system.
All too often, missing or incomplete paperwork leads to disappointment and delay. Experience suggests that long-forgotten covenants, planning conditions and other restrictions can derail a sale if not declared at the outset. It is important to be mindful of any issues that might influence a buyer’s decision. Alerting your agent to any information you may have relating to the ownership of the property can avoid these delays further down the line. Authorising a solicitor early in the sale process can also avoid frustration and extra cost later in the process.
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So what do you need to look out for? 1. Boundaries Always check your fence and hedge lines against your title plan. Errors are not uncommon and can take months to iron out through Land Registry. Ownership disputes can lead to costly negotiations and severe delays, so it is best to have these confirmed before marketing begins.
2. Planning conditions and building regulations Many of us fall foul of final inspections by building control, following failure to meet
conditions that were imposed when works have been carried out. Retrospective approval, if available, can be time-consuming and these issues are best identified ahead of any sale.
3. Restrictive covenants Prior notice of any restrictive covenants on the property is always appreciated by buyers. These are legally binding promises not to commit certain acts on the property; they might include running a business on the property or even restrict the parking of a caravan on the drive. These can cause delays if not disclosed at the outset.
4. Overage agreements Overage agreements can trigger additional payments from the buyer to the previous owner(s) if the buyer secures planning consent for a development that increases the property’s value. Overage agreements, sometimes called development uplift clauses, can make mortgage funding harder to obtain and can deter buyers. Speak to your agent about finding a way to compartmentalise the property to allow for mortgage funding, or alternatively the beneficiary of the payment can, on occasion, be persuaded to remove the restriction for an agreed price.
5. Planning conditions, such as occupancy restrictions
6. Third-party rights of way
8. Other easements and wayleaves
Knowledge of any existing planning conditions can provide the scope to challenge and overturn certain restrictions. For example, properties with an agricultural tie limit the occupancy of the property to those employed, or last employed, in farming. These properties are often in attractive rural positions with wide appeal but this restriction limits the number of qualifying buyers and in turn the value of the property. Prior knowledge of this restriction allows sufficient time to challenge the tie before sale, or ensure the right buyers are targeted.
Does a neighbour have the right to use your driveway? Positive neighbourly relationships are to be valued, but undiscovered or unrecognised accesses can strain relationships and can often cause buyers to reconsider their position or renegotiate their price. Clearly outlining this at the outset of the sale can limit these potential roadblocks.
Are all the necessary agreements to bring services to and from your property in place and up to date? These can take months to agree and finalise so checking these are all in place for your drainage, water, power etc., can stop any unnecessary negotiations with a deadline for exchange or completion looming.
7. Public rights of way including footpaths and bridleways
Septic tanks and water connections are commonly shared by neighbours, particularly in rural areas, and these rights need to be agreed in writing. However friendly the arrangement currently is, should things turn sour no one wants to have their water cut off by a frustrated neighbour.
You may not feel that the occasional rambler in the paddock is an imposition but your future buyers might! These can be intrusive and if there is any impact on the property’s privacy it is best to be declared up front. Steps to improve privacy can then be undertaken well in advance of a sale.
Given time and sound advice, the above are rarely insurmountable but can cause delay or even a sale to fall through if not dealt with in good time. It is often remarked that moving house is among life’s more stressful experiences, but it doesn’t need to be. Avoiding these common pitfalls when getting your home ready to sell can alleviate stress and have you comfortably settled in your new home before you know it.
9. Shared areas of facilities
10. Tenancies or licences Most mortgage lenders will require vacant possession on completion of a sale. A lodger in the annexe, or even a few sheep grazing the paddock, should ideally leave the property before the sale is tied up.
William Green Senior Associate 01858 411282 william.green@fishergerman.co.uk
fishergerman.co.uk | PAGE 41
Click to find out more
A truly unique redevelopment opportunity Grade II listed building Burford, West Oxfordshire
£
Guide price – OIEO £650,000 Banbury 01295 271555
• • • • • • •
Impressive & imposing Grade II Listed Very prominent position in Burford Internal floor area of approx 330 Sq M Located in the Cotswolds Potential for re-development Various uses (subject to planning) For Sale by Informal Tender
Click to find out more
Handsome Grade II listed Georgian residence set in 11.37 acres Bradbourne, Derbyshire
• • • • • • • •
Reception hall, breakfast kitchen 2 reception rooms, 5 bedrooms Master suite with dressing room Timber workshop/potential stable range Formal gardens, pond, grazing land Coach house offering 2 bedroom annexe A fantastic bar/lounge In all around 11.37 acres
PAGE 42 | Source 2023
£
Guide price – £1,600,000 Ashby de la Zouch 01530 410840
Spacious period apartment situated in the historic Grade II Listed Vale Royal Abbey Whitegate, Cheshire
Click to find out more • • • • • • • •
Communal Entrance, Inner Hall Lounge, sitting room Kitchen with breakfast room Utility room, cloak room, store room Principal bedroom suite, en suite, shower 3 further double bedrooms, family bathroom Communal lawned gardens, 4 parking spaces Stunning manor house and parkland setting
£
Guide price – £550,000 Knutsford 01565 757970
fishergerman.co.uk | PAGE 43
Distinguished Victorian residence retaining many period features Rowsley, Derbyshire
Click to find out more • • • • • • • •
Reception hall, 2 reception rooms Playroom, study Dining kitchen, utility room 5 spacious bedrooms with en suites Stone built outbuildings Generous gardens and grounds Idyllic views across the Peak District EPC Rating – D
£
Guide price – £1,425,000 Ashby de la Zouch 01530 410840
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Stamp Duty Stamp Duty Land Tax (SDLT) is payable to HMRC when buying property or land over a certain value. SDLT is payable to HMRC in the UK with the exception of Scotland where they have their own Land and Buildings Transaction Tax (LBTT) and Wales have Land Transaction Tax (LTT). Stamp Duty Land Tax is levied progressively, in a similar way to income tax. Calculating your liability to this progressive tax can be complex. It can depend on the type of property you are buying, and whether it is your principal private home, a second or third home or a commercial or mixed-use property. Below we break down what Stamp Duty you would be charged depending on a variety of factors.
Purchasing a Sole Residential Property If you are purchasing a residential property, are not a first-time buyer, are a UK resident and this will be the only property you will own and (whether you live in it or not), then you will pay Stamp Duty if the transaction price is above £250,000. Thereafter, you pay tax as follows: • The next £675,000 (the portion from £250,001 to £925,000) – 5%
• The next £575,000 (the portion from £925,001 to £1.5 million) – 10%
• The remaining amount (the portion above £1.5 million) – 12%
Purchasing as a First-Time Buyer There is a discount for first-time buyers. A first purchase of up to £425,000 no longer attracts the tax, and the existing rate of 5% applies on the portion from £425,001 to £625,000. The relief does not apply to properties above £625,000.
Second Home, Buy-to-let Property or Holiday Home Anyone purchasing a second home or buy-to-let property above £40,000 (unless this is the only property you own) will have to pay an additional 3% on top of the amounts detailed on the left. If you are purchasing a new property which you intend to use as your only home, but haven’t yet sold your previous house, you would have to pay the higher rates detailed on the left – however, if you sell your old house within 36 months you could get a refund.
Non-Residential or Mixed Use Property Purchasing a property with significant land holdings can attract a different stamp duty calculation. If the property is classified as nonresidential or mixed-use land and property there is a stepped regime as follows: • Up to £150,000 – 0%
• Above £150,000 and up to £250,000 – 2%
• Above £250,000 – 5%
Our agency teams are highly knowledgeable and are often asked to provide advice about SDLT so please do get in touch with any questions you may have. To make life a little easier, our website has an online Stamp Duty calculator to cut through the often confusing world of SDLT and save you time – you can find it here:
fishergerman.co.uk | PAGE 45
Commercial Residential Rural Utilities & Infrastructure
Scope of service Fisher German LLP is a leading national firm of specialist property consultants, chartered surveyors and planners, adding value to our clients through understanding, creativity and excellence. There are over 800 of us and we work out of 28 offices throughout the UK. We work for a broad range of clients in six main sectors. The heads of each sector are listed on this page together with contact numbers that you might find useful if you need advice about any topic relating to property and land.
PAGE 46 | Source 2023
Alasdair Dunne
Ben Marshalsay
Residential
Development
07501 720412
07771 974322
George Simpson
Mike Price
Utilities & Infrastructure
Commercial
07810 378185
07909 596051
David Merton
Darren Edwards
Rural
Sustainable Energy
07770 333331
07918 677571
Thinking of buying or selling? Fisher German has an extensive network offering exceptional national coverage. If you are looking to buy or sell residential or agricultural property we will be delighted to help you. Please call us on any of the local office numbers on page 5 or email: property@fishergerman.co.uk if you would like a free market appraisal or if you would like us to help you with your property search.
Source magazine is intended to be informative but further advice should be taken before decisions are finalised. Prices are correct at time of launch. Fisher German LLP has tried to ensure accuracy and cannot accept liability for any errors, fact or opinion. Date of production November 2023
fishergerman.co.uk | PAGE 47
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