WhatHouse? West Midlands april 2015

l r, or ca e o lo ap r d ur y p ou Yo ert to y op d pr ere liv de West Midlands Edition April 2015

- the agent that gets results

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We consider ourselves to be a proactive estate agent with innovative ideas that get results.

The properties below were all on the market with other estate agents without success. They all decided to instruct haart to assist them with the marketing of their homes and we are pleased to announce we have sold them all.

If you are still on the market and want to sell, why not give us a call on 0121 426 1876 to find out how we helped these home owners move and how we could also help you.

Our telephone lines are open 7 days a week between 8am-10pm or alternatively email your enquiry to harborne@haart.co.uk

haart.co.uk

Harborne Sales 0121 426 1876 Harborne Lettings 0121 426 2931 8am - 10pm everyday

We are currently offering FREE professional photography and FREE floorplans for every property listed for sale with us.

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We have sold these properties with the help of professional photography.

Take advantage of our offer and show your home in its best light.

l r, or ca e o lo ap r d ur y p ou Yo ert to y op d pr ere liv de

West Midlands Edition

April 2015

AUCTIONS P4 AGENT INSIGHT P10 INTERIORS P18 PROPERTY INVESTMENT P23 MORTGAGES P26

Help to Buy ISAs –

first-time buyers’ Budget boost P11

The hidden cost of buying a home P3

Gee-gee whizz!

Our pick of the best equestrian homes P6

Aspirational new homes across the Midlands Award winning Lioncourt Homes build a complete range of aspirational homes in a range of exciting locations across the Midlands.

For more information about our current and up-coming developments visit

www.lioncourthomes.co.uk or call 01905 755167

West Midlands, Staffordshire and Shropshire – Find your new home at Whathouse.com

You can keep in the picture with Veyo Chain View Launching in Spring 2015, Veyo is a comprehensive conveyancing portal that will enable Estate Agents and their clients to view the status of other transactions in the housing chain.

Find out more at www.veyo.co.uk

“The portal will offer greater transparency to everyone involved in the sale and transaction of a property�

Find your new home at whathouse.com/new-homes

hidden cost of buying a home 3

The hidden cost of buying a home T

Welcome!

T

D

e spite the success of the Help to Buy scheme and the hope surrounding the recent announcement of a Help to Buy ISA, finance still remains a significant barrier to prospective homeowners hoping

to step on to the ladder. Many buyers, be they first- or second-time purchasers, find themselves pushed to their financial limits in their attempts to purchase a home.

Unfortunately, this can sometimes lead to buyers overlooking the range of extra costs involved beyond

the purchase price. In total, these costs could add anything up to 10% to your total bill, so they need to be carefully factored in to your budget in advance. Here’s our guide to understanding some of the biggest hidden costs of buying a home.

STAMP DUTY

to enlist the help of some friends to help you out. Moving your belongings long distances between family homes, however, is more complicated. Hiring a professional removals firm can cost from a few hundred pounds to well over £1,000 depending on your circumstances, so ensure you shop around to get the best deal.

Stamp duty is a tax charged on all property purchases over £125,000, and is usually the largest additional extra expense to consider when purchasing a home. Last December, Chancellor George Osborne announced an overhaul of the stamp duty system, putting an end to the ‘slab’ method where fixed amounts of tax were charged at certain thresholds. Under the new system, a buyer purchasing a family home for £275,000 will save £4,500, but will still be faced with a bill of £3,750.

FURNITURE AND WHITE GOODS

CONVEYANCING Conveyancing is the legal process of buying and selling a property, and includes registering the transaction with the Land Registry and conducting searches. Quotes vary significantly, with online conveyancers offering packages from around £700 for a £250,000 property. Solicitors also offer deals, but tend to be more expensive.

SURVEYS Surveys help you learn about the condition of building, and alert you to any significant problems which may

make it necessary to renegotiate the purchase price or pull out altogether.

There are three main types of survey – a condition report, homebuyer’s report and a buildings survey.

A condition report will cost you around £150-£300, while a buildings survey is generally priced in the region of £500-£1,000.

lenders to set up the mortgage.

These fees vary significantly, and can average around £1,000. You can usually choose between paying this fee upfront or adding it to the mortgage. Some lenders charge a percentage of the loan rather than a flat cost, so it is vital to assess all of your options.

MORTGAGE ARRANGEMENT FEES

REMOVALS

An arrangement fee is paid to your

If you’re moving down the road from your current home, you may be able

You’ve bought the house, and now you need to fill it. Ensure that you know which white goods (if any) you will need to purchase, as these can eat up a sizable chunk of your budget.

REDECORATING Keep some cash aside for any unexpected repairs and improvements, as very few homes need no work at all. Indeed, most new homeowners spend significantly more than they initially plan on doing up their new property, so don’t stretch yourself to the absolute financial limit before you move in.

EXPERT ADVICE solicitor recommended by the estate agent you found your home through. They often get a hefty commission that can add significantly to your bill. By all means get a quote, but use it to shop around before deciding.”

The HomeOwners Alliance exists to make home owning less stressful, helping people save money with unbiased expert advice. Here, their chief executive Paula Higgins shares her top tips on saving money during a move.

Beware estate agent recommendations “Don’t rely on a conveyancer or

Don’t move on a Friday “Moving on a Friday is typically more expensive as it is the most popular day to move. You may be able to save money on your move by being more flexible on the day.”

Leasehold vs Freehold “It may seem like technical legal language, but there are few things more important – and potentially costly – about your home than whether it is freehold or leasehold.

Less than 80 years left on a lease

means extensions will be costly and homes much more difficult to sell.

“Even if you’re buying a property with a long lease, remember maintenance fees and ground rent charges are a major source of contention – ground rent alone usually costs in the region of £100-£250 a year, but even on ordinary flats the annual charges can amount to over £1000.”

Mortgage costs: repayments, restrictions and fees “While interest rates are low it’s always worth doing a stress test using an online calculator to see what impact an increase in interest rates would have on your ability to meet repayments. If you’re over 45

or have childcare commitments, the new lending restrictions applied since last April may mean you struggle to find a lender or can borrow a lot less than you expected. As all lenders apply different matrices for calculating affordability, we advise people use a fee-free mortgage broker to find the lender that suits them.”

“And watch out for fees – but don’t rule them out completely.

Lenders offer a wide spectrum of rate options, all with different fees and incentives. Where one borrower may benefit from paying a fee, others will be better to cut upfront costs and pay a slightly higher interest rate.”

Find out more at www.hoa.org.uk

ough he didn’t quite h live up to his preBudget “no giveaways, no gimmicks” promise, George Osborne’s introduction of the Help to Buy ISA was a bit of a surprise and one that has been broadly welcomed in the property industry.

It’s a novel way to reward saving for a deposit on a home that, handin-hand with the government’s start home policy, promises a substantial amount of help for first-time buyers over the coming years. It’s generally agreed that first-timers are the engine of the housing market and any measures to assist in meeting the high deposit requirements of buying a home these days is to be applauded.

But unless there’s a major hike in the number of homes being built in the UK, that assistance is only going to be of limited use. First-timers are often competing with investors for homes at the lower end of the market and it is the investors who usually hold the upper hand in terms of cash availability and the opportunity to move quickly when a home comes on the market.

While many industry insiders don’t believe there will be a huge surge in buy-to-let when the new pension reforms some into effect on 6 April, there is no doubt that some of those people who will be able to get full access to their pension pots will be looking at property as a lucrative alternative income source to a traditional annuity, or indeed other types of investment.

Reports from agents and mortgage lenders show that buyto-let has boomed in recent months, so unless we can construct a significantly greater number of affordable starter homes (if necessary, restricted for sale to young owner-occupiers), there will continue to be pressure on the smaller homes that most first-timers aspire to.

Unfortunately, while politicians talk of doubling the number of homes we build and forcing developers to build rather than pace the use of the land they have, the industry itself is rather more sceptical about how quickly these promises can be delivered. Shortages of materials and skilled labour are putting the brakes on housebuilding just as government is pressing on the accelerator.

Do any of those asking for your vote in mid-May have a plan for tackling that?

Keith Keith Osborne, editor. ko@whathouse.com @keithosborne69

4 auctions

More about auctions at whathouse.com/property-auctions

Five ‘golden rules’ of buying at auction I

Auctioneer Paul Bridgeman gives his guide to successful bidding at a property auctions s buying at auction a risky business? It’s a question that is often asked of Paul Bridgeman, auctioneer at Clive Emson Auctioneers in Essex, and his answer is, that with research and restraint, it needn’t be.

Bridgeman says: “Business is fundamentally about weighing risk against profit, and with the right knowledge buying property to renovate can be a good bet.

“With the credit crunch still fresh in our minds, fortunes can be made and lost with the rise and fall of the property market. High-risk strategies may produce an overnight fortune, while lower-risk strategies can provide a relatively secure income along with capital growth in years to come.

“With all signs pointing to a strong recovery and with estate agents reporting of properties selling within days where could be better to search for a property to renovate than auction?”

Clive Emson Auctioneers holds eight five-day auctions a year, stretching from Essex to Cornwall, offering hundreds of lots across southern England. Many of the lots offered require renovation, improvement or have potential for extension, which to a prudent buyer will offer a fantastic opportunity to add value.

Bridgeman says: “With the old saying ‘caveat emptor’ (meaning ‘let the buyer beware’) resonating in our minds, many people ask how safe it is to buy a property at auction. You don’t need to be a property professional to buy at auction, but you do need to ensure you are prepared and have done all that a prudent buyer would do before entering into a contract. At the fall of the auctioneer’s gavel, a legal contract is made.”

He adds that if you follow the five ‘golden rules’ you could find yourself reaping the rewards of a successful and quick transaction.

RULE 1. Look through the

auctioneer’s catalogue to identify any lots that are of interest. The lot information will provide you with viewing details allowing you to book an appointment. The catalogue will also provide photos, elevations, location plans and, more importantly, a guide price.

RULE 2. Obtain a copy of the

legal documentation. This is the information the seller’s solicitor provides and can include special conditions of sale (which may contain extra fees and cost in addition to the bid price), local authority searches and, in the majority of cases, all the documentation required for making an informed decision on whether to bid or not. It is important to remember that if you are not fully au fait with property law, you should seek independent legal advice from a solicitor or a licensed conveyancer.

A chance to win £50 It couldn’t be simpler – just ‘follow’ us on Twitter (@What_House) One of our new followers from 3rd April to 2nd May will win £50 in Marks and Spencer vouchers

RULE 3. If you require a survey,

have this carried out before you commit yourself to a legally binding contract.

RULE 4. If you are successful, you

will have to pay a 10% deposit in cleared funds (or £3,000, whichever is the greater) to the auctioneers at the point of exchange, together with the auction administration fee. If you require finance, again arrange this before committing yourself to the contract.

RULE 5. Arrive on the day of the

auction in plenty of time. You will need to register and obtain a bidding number. Without this you may not be able to bid and may have your bid refused by the auctioneer.

Don’t forget to pick up a copy of the addendum (a list of amendments to the catalogue or documentation which will form part of the contract) and finally…relax!

Find out more at www.cliveemson.co.uk; 01245 205778

Rupert Bates, editorial director of WhatHouse? has been a property journalist for 25 years. He is an award-winning writer who started on local newspapers before becoming a columnist on The Daily Telegraph. He presents the annual What House?

Awards, edits leading housebuilding magazine Show House and is property correspondent of The Field magazine.

Managing director Daniel Hill Editorial director Rupert Bates

Keith Osborne started writing about property 12 years ago and has been editor of Whathouse. com since 2010. He is currently a columnist in housebuilding trade magazine Show House and has previously written for Homes Overseas magazine. He has also been a part of the What House? Awards judging panel for a number of years.

Sales director (new homes) Mark Edmondson me@whathouse.com

Stephen Maunder is assistant editor of Whathouse.com, having previously spent 18 months there as a freelance special correspondent. He has a background in academic research and has worked at Sky News as a picture researcher. He has also written for BBC News, Huffington Post UK and the Shropshire Star newspaper.

What House?

@What_House

Editor Keith Osborne ko@whathouse.com Assistant editor Stephen Maunder sm@whathouse.com Chief sub-editor Suzanne Frost Designer Sarah Davies Contributors Marc Da Silva Nick Parkhouse Richenda Oldham

Head of Sales (London) Andy Lunn al@whathouse.com Sales manager Jay Ali ja@whathouse.com Business development manager Steve Coyle sc@whathouse.com Account manager Ann Chaloner ac@whathouse.com Head of digital Simon Phillips simon@whathouse.com Cover photo: Fairways Farm, Beoley, Worcestershire courtesy of Fine & Country, 0121 746 6400

Published by: Globespan Media Limited, 291-299 Borough High Street, London SE1 1JG T: 020 7940 1070 E: info@globespanmedia.com W: www.whathouse.com Printed by 39zero / Distributed by Royal Mail © 2015 Globespan Media Limited WhatHouse?, ISSN: 02691310

No part of this publication may be reproduced without prior written permission from the publishers.

The greatest care has been taken to ensure accuracy but the publishers cannot accept responsibility for errors and omissions.

NHBC – the mark of a quality home

...Buying a new home is a big decision, so you’ll want to know that your property is of good quality and your investment well protected.

Only builders approved and registered by NHBC can offer Buildmark, and they must build to the detailed technical standards we have been developing and updating for more than 75 years.

It will give you peace of mind to know that all new homes with NHBC’s Buildmark have been independently inspected at key stages during construction, and come with 10 years’ warranty and insurance.

This gives you the reassurance that, on the rare occasion when something does go wrong, we’re here to help you.

So, before you buy a new home, make sure it has Buildmark.

Talk to us...

Call us now on 0844 633 1000 and ask for ‘Customer Services’.

Or visit www.nhbc.co.uk/myhome H391 08/14

H391 - What House? advert_Sept_FINAL.indd 1

8/14/14 9:38 AM

6 six appeal

Find your new home at whathouse.com/new-homes

Curls Farm, Chew Magna, Bristol From £2.875m

This is an extensively refurbished and extended farmhouse, set in around 30 acres, constructed from part-rendered and locally sourced stone elevations. The property has a large family footprint with open-plan areas allied to more traditional and formal rooms.

Typically for a farm or equestrian centre there are adaptable barns providing scope for live-in accommodation for grooms, while nearby Curls Wood House (available by separate negotiation) provides possible income or independent accommodation for an extended family.

The open-plan living/kitchen/dining room is the true social hub of the house, with bi-folding doors providing access to a sun deck with unrivalled views – an ideal al fresco dining space. The kitchen has granite work surfaces, a range of high-quality base units, a large central preparation island and various integrated appliances.

There are six first floor bedrooms accessed

off the galleried landing. The master bedroom at one end has its own dedicated dressing room and a comprehensive en suite bathroom. The guest bedroom also features an en suite shower room and has elevated views over the immediate pasture and Chew Valley.

Farm building and equestrian facilities include an indoor riding school, general purpose store with two foaling boxes, storage and workshop space, a Dutch barn, a traditional stone barn with stable, garage and storeroom facilities, the main stable block with 10 stables and wash-down box, a feed store, tack room and rug room, general-purpose barn with a further six loose boxes, a horse walker and all-weather arena and pasture, post and rail paddocks.

From: Savills Contact: 0117 933 5803

Six appeal Our favourite equestrian properties on the market right now Windy Arbour, High Grosvenor, Shropshire • £650,000

Eve Lodge, Newmarket, Cambridgeshire £1.2million

Windy Arbour is located in High Grosvenor, a small hamlet approximately six miles east of the market town of Bridgnorth in Shropshire.

This equestrian property comes with 3.5 acres of grounds including a three-/fourbedroom house, a pool room, six stables, paddocks, an outdoor heated swimming pool and mature gardens with expansive, panoramic views.

The stable block has six good-sized stables at 3.8m x 3.1m and a large store barn with lighting, power and water, completed by a stone courtyard. It can be accessed from the garden and is visible from the kitchen, but has its own gated access from the track. The divided paddock is opposite the stable block and offers a shelter as well as further, numerous connected water points.

The warm family cottage is full of character-

Eve Lodge Stables offers the opportunity to purchase the freehold of a racing yard that not only offers a plot of over five acres on the Hamilton Road but a yard that is steeped in a racing legend’s history, with its connections to Lester Piggott when he was in his pomp.

Specifically designed by the present owner, Eve Lodge Stables was built with notable attention to detail, making it an impressive yard of its time. It is believed the design of the yard was developed following a visit by the present owner to Lindsay Park, Australia, the racing and breeding establishment owned by the Australian champion trainer Colin Hayes.

rich features, from the hardwood windows and latched doors to the beamed ceilings and exposed brick and stone fireplaces and cast iron log-burners. It is also fitted to suit contemporary living standards with a modern fitted kitchen, utility and bathrooms and en suites. All the rooms provide beautiful views out over the gardens and neighbouring farmland.

Alongside beautifully landscaped shrubbery and mature trees, the garden includes an enclosed sun terrace with an outdoor heated swimming pool and a detached pool house, complete with WC and provision for a shower.

From: Berriman Eaton Bridgnorth Contact: 01746 766499

Eve Lodge Stables is located on the Hamilton Road, approximately 0.25 miles further on from the entrance to the Rowley Mile Racecourse. The yard occupies a prominent position with direct access onto the Racecourse Side Training Grounds allowing for optimum safety and ease for the training of racehorses. The yard comprises a manager’s house, four cottages, 95 boxes, indoor arena and turn out. Eve Lodge Stables is currently licensed for two trainers.

From: Bidwells Contact: 01223 559352

For the latest on the property market

six appeal 7

@What_House

Fairspear Farm, Leafield, Oxfordshire OIRO £1.65million

Fairspear Farm is an attractive family house, believed to date back to 1853, built in traditional Cotswold Stone.

The original barns were reputedly where the country’s first combine harvester was built, and the property was also the birthplace of Sundew, the 1957 Grand National winner.

The house offers wellproportioned rooms, with the current owners comprehensively refurbishing the property within the last 10 years. The house is sited at the end of a long, gravel drive behind an electric gate, with the driveway continuing up past tall hedges to a courtyard with a swimming pool to the south and a stable block with adjacent annexe to the north.

Immediately in front of the house lies a large lawned area with a walkway through the yard into the paddocks. Within the grounds there is a 60m x 40m Combi Ride manège with dressage mirrors.

There is also a self-contained annexe (which could be enlarged, subject to the necessary planning consents being gained). There is also a rubber-surfaced wash-down area adjacent to the stable yard and a very large hay barn with three more stables.

The house also lies minutes from a well regarded British Eventing Course and gallop.

From: B utler Sherborn Burford Contact: 01993 822325

Mountford Lodge, Lapworth, Warwickshire £1.995million Fairways Farm, Beoley, Worcestershire £950,000 Occupying a quiet plot of eight acres in Beoley, this distinctive detached residence was built in 1973. It comes complete with a separate bungalow with two en suite bedrooms together with various outbuildings, including stables, and a heated outdoor swimming pool. There is also a good-sized double garage.

The main residence is entered via secure electric gates and provides ample forecourt parking. From the welcoming reception hall lie the lounge, separate dining room, spectacular breakfast kitchen

with a separate utility room, two ground floor double bedrooms and bathroom, and a games room with an adjoining conservatory.

The first floor landing leads onto two further double bedrooms; the master bedroom has a walk-in dressing room and storage space and separate family bathroom.

Adjacent to the main residence is a detached barn conversion in the style of a stable block, which offers well-proportioned and extensive accommodation including a reception hallway, lounge, separate dining room, large fitted breakfast

kitchen with utility and guest WC; two double bedrooms each with en suite facilities; attached single garage and tack room; useful first floor storage area; and a delightfully landscaped side garden.

In addition there are seven stables with attached kitchen and toilet, ample parking and paddocks with splendid countryside views to the surrounds.

From: Fine & Country Contact: 0121 746 6400

A magnificent four-bedroom detached property that has been substantially improved and enhanced to create a stunning, contemporary home in the idyllic village of Lapworth.

Set in some 2.29 acres, there is also excellent two-bedroom ancillary accommodation and a self-contained flat above the detached garage, offering potential for multiple income streams.

The accommodation stands behind electric security gates, and offers an exceptional standard of living and versatility. The beautifully landscaped rear garden and grounds include a stable and paddock, thereby ideal for equestrian use.

This stunning property has been revitalised and improved by

the present owners to create a truly magnificent and practical family home. The accommodation is superbly presented with oak flooring, oak internal doors, leaded light uPVC double glazed windows and external doors, burnished chrome socket and light switches, oil-fired central heating, surroundsound system to the ground floor and principal en suite, Porcelanosa sanitaryware, recessed ceiling halogen lighting, outside garden lighting and a fully equipped modern kitchen/breakfast room with integrated appliances.

From: Fine & Country Contact: 0121 746 6400

Now pay

less on Stamp Duty!

Ask for details.

Renaissance exterior

Caldon Quay showhome interior

Caldon Quay show apartment interior

Inspiring homes across the region

Whether raising a family or building a career, we have the perfect new home to suit you. From canalside living to spacious family homes, and all available with just a 5% deposit!* With incentive schemes, including Help to Buy* available, there’s never been a better time to make the move.

/lovellhomes

Coming Soon...

Eaton View, Nuneaton 2 & 3 bedroom homes Tel. 02476 480 320 Coming Soon...

Eden Valley, Walsall 2 & 3 bedroom homes Tel. 01922 460 891

Caldon Quay, Stoke-on-Trent 2 bedroom apartments and 4 bedroom homes Tel. 01782 484 936 City Reach, Birmingham 3 & 4 bedroom homes Tel. 0121 222 1968

Harvills Grange, West Bromwich 2 & 3 bedroom homes Tel. 0121 514 8778

Renaissance, Nuneaton 3 bedroom homes Tel. 02476 481 594

Monarch Park, Cannock 3 bedroom homes Tel. 01543 331 968

West Heath Glades, Birmingham 2 & 3 bedroom homes Tel. 0121 514 8219

@lovell_uk

lovellnewhomes.co.uk

Available on the iPad

* Help to Buy based on a 75% mortgage with a minimum 5% deposit contribution. It is not available in conjunction with any other offer or promotion. Scheme available on selected properties in England, on homes up to ÂŁ600,000. Subject to terms and conditions. Lovell cannot advise you on a mortgage. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY DEBT SECURED ON IT. Full details available on request. Details correct at time of going to print, 23rd January 2015.

We don’t just build homes, We build relationships

Operating through 8 regional offices covering the majority of the UK and with over 70 years’ experience in new homes construction, Kier Living is the Residential Division of Kier Group. Kier Living is a multi-disciplined residential house builder and developer with extensive experience in contracting for third parties, mixed tenure housing and private house building.

We pride ourselves in being forward thinking with a well-earned reputation for attention to detail and exceeding expectations.

• Customer satisfaction measured above 90% • Specialists in mixed tenure & contract house building • Extensive public & private client base

To discuss our capability to undertake all forms of housing throughout the UK please contact:

John Anderson, Executive Director john.anderson@kierliving.co.uk

kierliving.co.uk External photography of The Waterfront and Connect 21.

10 interview

For the latest on the property market

@What_House

Agent insight

We speak to Will Marshall-Murray of Fine & Country in Solihull Could you please give us a brief introduction to your branch and the property market in your area?

Our office in Solihull acts as our hub covering the West Midlands, from Sutton Coldfield through to Stourbridge, Bromsgrove, Edgbaston and of course Solihull and the surrounding villages. The property market in the West Midlands has certainly picked up over the last couple of years. All of the areas mentioned have a great reputation for good quality property in the leafy suburbs surrounding Birmingham, top private and state schools, great facilities including multiple golf clubs, international class facilities such as Edgbaston Cricket Ground, the NEC, the Belfry, the Birmingham Library and City of Birmingham Symphony Orchestra (CBSO).

What types of properties do you sell?

We sell properties in the upper quartile of the market, including modern and new-build property, large townhouses, country homes and barn conversions, unique properties, traditional homes, land and development plots, waterside homes and many more. Last year we

sold a significant number of traditional Victorian properties in Edgbaston and bespoke new-build and modern style homes in Solihull.

What are the current market trends in your area?

In 2013 there were no sales above £2 million in the West Midlands according to land registry data, and in 2014 there were three sales above this figure.

We have already completed a sale over £2 million this year and have the next most expensive house in Birmingham about to come to the market at £2.5 million.

Smaller developers have benefitted from changes to planning regulations, so we will be seeing more bespoke newbuild property from the smaller, more exclusive developers coming on to the market soon. A large number of buyers from London and the Home Counties are moving to the Midlands and are specifically looking for properties in the upper quartile of the market.

Where should investors be looking to buy property?

Investors should definitely be looking at new-build property again. We have a number of off-market investments

available with guaranteed rental returns and developers offering favourable rates of return on their projects.

Birmingham city centre is looking attractive as overseas investment comes in and huge infrastructure improvements take place. The city is re-establishing itself on the national and international scene.

What do you expect to see happen in the local market during 2015?

In 2013, half of the 20 most expensive sales were in Solihull, and the rest were in Edgbaston, Sutton Coldfield and Barnt Green. In 2014, the most expensive sales were spread out across the region a lot more evenly with Stourbridge and Henley-in-Arden featuring too, and Edgbaston and Sutton Coldfield taking the lion’s share of the sales. The average price of the top 20 sales in 2013 was £1.3 million, and the average in 2014 was £1.8 million, a 38% increase. This increase will continue this year and the average price for the top 20 sales may even beat the £2 million mark. There will also be more new-build properties coming to the market.

Find out more at www.fineandcountry.com; 0121 746 6400

Buying overseas?

Don’t miss out on your FREE overseas property guide Buying a property overseas can be easy when you’ve got the right team on your side.

To see what’s happening at your destination, or for tips and guidance on the overseas property-buying process, visit everythingoverseas.com.

Wherever you’re going, we’ve got you covered Australia Florida France New Zealand Portugal South Africa Spain Download your free guide at everythingoverseas.com

EO - Advert v2.indd 1

23/02/2015 12:01

help to buy 11

More news and interviews at whathouse.com/news

Budget 2015: What is the Help to Buy ISA and how does it work?

T

h e Help to Buy ISA was announced by Chancellor George Osborne in this year’s Budget. It’s the latest government plan designed

to aid first-time buyers in their quest to get on to the property ladder.

The scheme hopes to build off the back of the success of Help to Buy, by allowing prospective buyers who save up

to £200 a month access to a 25% savings boost provided by the government, up to a maximum of £3,000.

These graphics explain the parameters of the scheme and how it works.

How the Help to Buy: ISA will work

First time buyer opens a Help to Buy: ISA

First time buyer makes deposits and government bonus grows

Buyer purchases their first home and government bonus made available 25% government bonus Max £3,000

Max monthly bonus £50

25% government bonus

Max monthly deposit £200

First time buyer savings including tax-free interest

Home purchased The bonus is available on homes up to £450,000 in London, and up to £250,000 outside London

Maximum initial deposit of £1,000

Thinking of selling your home?

Do you know how much your home is really worth?

Find out with our FREE valuation service.

It’s a quick and easy process that you can carry out online or over the phone.

Visit www.whathouse.com/value-my-property/value-myproperty-now or call us now on 01245 835 053.

WhatHouse? works with a team of reputable agents that will carry out the free valuation

£?

12 armchair gardening

Find your new home at Whathouse.com

It’s all going to pot...

Use pots or containers filled with flowering plants, herbs or vegetables to brighten up your garden, says Richenda Oldham

2

1

T

h ere are many advantages to growing plants in containers. The biggest benefit undoubtedly is that you can move the plant to anywhere you choose, which is particularly useful if the plant needs shade or sun.

CHOOSING A POT OR PLANTER You’ll be spoilt for choice when looking for a plant container. Make sure that whatever you choose is large enough for the plant and has a hole in the bottom to allow drainage. Pick a style that suits the style of your garden and check that any terracotta pots you pick are frost-proof. Although plastic containers are inexpensive and retain moisture, you will need to protect roots in the winter from freezing.

Bear in mind the final weight of a fully planted pot, which will be harder to move. If you are worried about being able to move your pots around, choose lightweight containers, such as resin, fibreglass and plastic, which are not so porous.

PLANTING UP Choose your planting mix carefully, as it must be capable of holding water and yet porous enough to drain well. There are plenty of commercial multipurpose potting mixes to choose from and you can improve them by adding water-retaining crystals, which provide water when the plant needs it.

Don’t use soil from the garden, as it can have weed seeds, insects and fungal diseases.

To prevent the compost from blocking the hole at the base of the pot, cover it with a layer of broken terracotta shards. You can also purchase terracotta feet to raise pots off the ground when you display them on a patio, which will aid drainage and stop moisture building up at the roots.

3 4

5

CARING FOR YOUR PLANTS Plants that are grown in containers will need frequent watering to prevent them drying out. You will also need to feed the soil, as watering will wash the plant food away.

HERE ARE SOME IDEAS TO GET YOU STARTED: • Glazed pots • Stone pots • Wooden tub planters • Zinc double handled troughs • Painted terracotta containers or pots

• Galvanised metal pots • Concrete urns • Copper bowls • Ceramic pots • Wooden crates

1. Dutch courage:blue and white painted terracotta flower pots with crackle glaze finish, £6.50, www.berryred. co.uk 2. Trio treat:triple flower pot with embossed hearts, £15.99, www.retreat-home.com jardiniere; 3. Boxing clever:personalised raised planter crate, £59.95, www.plantabox.co.uk; 4. Classical ornament:Victorian jardiniere, £799, www.haddonstone.com; 5. Clipped-art:set of three rattan planters, £149, www.livingitup.co.uk;

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The EWT water softener system needs softener salt, at additional cost, approx 1 bag every 8 weeks based on family of 4.

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DEVELOPMENTS INCLUDE: Carter’s Quay, Poole 1 & 2 bedroom apartments and 2, 3 & 4 bedroom houses

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For further details call 01494 762 450 or email sales@inlandhomes.co.uk Showhome open at this development

Please check website for current availability. Computer generated illustrations are indicative only and subject to change.

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Artist’s impression. For illustrative purposes only

Prices from

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BentleyCourt UXBRIDGE ROAD

Bentley Court is a new development of nine, 2, 3 and 4 bedroom homes tucked away in a gated court located off Uxbridge Road in Hanwell, Ealing. All the properties have private gardens and parking making this a fabulous environment for London living.

For more information please contact Lea Valley Homes

The development is located next to St Mellitus Church, an imposing Gothic style building of the Edwardian period situated in the heart of Hanwell.

E | sales@leavalleyhomes.co.uk W | leavalleyhomes.co.uk

Specification includes Paula Rosa Manhattan kitchens with granite worktop, integrated AEG appliances, flooring throughout, contemporary fully tiled bathrooms and en-suites.

T | 01923 251799

Eight unique Grade II listed 2, 3 and 4 bedroom barns converted to a high specification, retaining many original features.

All properties have private gardens with plots 1, 2 and 8 having the added benefit of a paddock.

Prices from £650,000

‘The Barns’ Merton Grange is situated in an idyllic rural location on the edge of Gamlingay in South Cambridgeshire. The approach is via a private drive with far reaching views either side across fields.

Specification includes:  Fully fitted kitchens with integrated appliances including range cooker and wine cooler  Flooring throughout  Contemporary fully tiled bathrooms & en-suites, including vanity units and heated towel rails  Oak panelled internal doors with pewter finished handles.

Tel : 01923 251799

Email: sales@leavalleyhomes.co.uk www.leavalleyhomes.co.uk

16 retirement

Find your new home at Whathouse.com

New homes for older people proposed for Bromsgrove Planning approval is close for 66 extra care apartments on Recreation Road

A

resolution to grant planning permission, subject to the signing of a Section 106 agreement for obligations yet to be agreed, has been granted for a “continuing care retirement community” on Recreation Road in Bromsgrove town centre.

Specialist developer Aspen Retirement is the lead partner in the consortium behind the scheme and will be responsible for 66 private sale ‘extra care’ apartments, offering an independent lifestyle but with access to additional facilities and support for residents.

Liz Herring, sales and marketing manager for Aspen, says: “We’re excited to be involved in such a major regeneration project in Bromsgrove town centre. The scheme will bring a vacant brownfield site back into good use while also increasing the housing options for older people, enabling retirees to downsize and live in a close community of like-minded people, offering companionship, care and support.

“We anticipate that our apartments in Bromsgrove will be ready to move into in winter 2016. That may seem a long time off, but it’s never too early to start planning your future by registering

01276 408495

your interest in the apartments now.”

Aspen specialises in retirement housing and extra care for older people who want to live independently in their own home but have access to hotel-style facilities and the reassurance of friendly staff, with the peace-of-mind of emergency and tailored care services on hand.

Most apartments will have walkout balconies or patios, giving homeowners access to their own private outside space, with potential for views of the neighbouring playing fields. The town centre scheme is close to a medical centre as well as the high street shops and a supermarket.

The Recreation Road development will feature a number of communal facilities including a lounge, a restaurant for owners and their guests, a library and a guest suite, where family and friends can stay overnight for a nominal payment. Residents benefit from having

an on-site manager 24 hours a day and an emergency pull-cord system. Regular domestic help will be included in a monthly service charge.

At this early stage, says Herring, would-be buyers can sample a little of the Aspen lifestyle at its existing developments nearby: “We’re currently selling apartments at Eastbank Court in Northwick, Worcester, and would be happy to give prospective purchasers and their families a tour of the facilities so that they can get a feel of what our new development in Bromsgrove will be like.”

Find out more at www.aspenretirement. co.uk; 0800 023 4670.

new homes 17

More news and interviews at whathouse.com/news

Lioncourt Homes achieves five-star status from industry body Worcester-based housebuilder receives faultless feedback for customer satisfaction

M

i dlands housebuilder Lioncourt Homes has been awarded a ‘5 Star Quality’ rating in the annual Home Builders Federation (HBF) customer satisfaction survey. This is the maximum score that can be achieved in the survey and puts the company at the top table as one of the most highly regarded builders in the UK. The survey is designed to provide homebuyers with information about new homes builders’ approach to quality, in order to help guide their purchasing decision. It is also designed to promote excellent levels of service to be delivered by developers. The results of this year’s survey show that 100% of the company’s customers have said that they would recommend Lioncourt Homes to a friend.

Colin Cole, chief executive of Lioncourt Homes, says: “Everyone in the business is totally committed to delivering the best possible quality and this approach has resulted in Lioncourt Homes being awarded the HBF five-

star status. We are one of only 15 housebuilders in the country to be awarded five stars this year.’

“We are delighted with these results, particularly as everyone in the Lioncourt business places such

A typical Lioncourt Homes house a high emphasis on the quality of their work, the quality of service and customer satisfaction. This means that potential buyers can rest assured that they would be making a good decision buying a Lioncourt home.”

Stewart Baseley, executive chairman of the Home Builders Federation, adds: “The customer satisfaction survey is an excellent way

of measuring the level of customer service housebuilders achieve. The scheme is an independently monitored survey of the people who really matter to our industry: our customers. To achieve such a high level of customer satisfaction requires commitment from boardroom to site, and is a fantastic achievement.”

HBF and NHBC (the National House-Building Council, which provides warranties on new build homes) launched the latest results at an annual event at the Institution of Civil Engineers in Westminster, London.

The HBF national survey of housebuilders is a self-completion census completed by over 38,000 purchasers of new build homes. They are carried out by NHBC and the latest results cover the 12 months from October 2013 to September 2014. The survey is operated by NHBC, is entirely independent of any builder or builder group and is independently validated

by Reading University.

Find out more at www.lioncourthomes.co.uk

Join us...

Lioncourt Homes’ Adrian Cosh (construction director, second left) and Colin Cole (chief executive, second right), flanked by Nick Raynsford MP (left) and Stewart Baseley, chairman of the Home Builders Federation

on the 4th and 5th April between 10am & 5.30pm for the launch of our latest development.

Artisan’s Walk brings an exciting choice of 2, 3, 4 and 5 bedroom homes to Brierley Hill in no fewer than ten different designs.

Artisan’s Walk will create a whole new community, perfectly placed almost equidistant from Wolverhampton and Birmingham, just off Brettell Lane, with views towards the Clent Hills.

Beautifully built to an exacting specification using energy saving methods and technology, all the homes at Artisan’s Walk will be economic to run. The careful design of the well thought out interiors will make them practical and comfortable to live in too.

2, 3, 4 & 5 bedroom homes from £155,000

Sales & Marketing Suite open daily 10am - 5.30pm

Artisan’s Walk, off Delph Road, Brierley Hill, DY5 2RP Call: 0845 873 2887 or visit: www.lioncourthomes.co.uk

Help to Buy

18 interiors

Find your new home at whathouse.com/new-homes

Super sleek and boldly eye-catching, the Rococo kitchen from Crown Imperial is a contemporary design that features a non-reflective finish, which is soft yet extremely durable. The twin islands help create an informal dining area, www.crown-imperial.co.uk

The Casa kitchen, shown here in grey, is a mixture of contemporary and country, with stylish practical details such as curved corner units. Schüller kitchens are available from www.inhouseuk.net A combination of ash heartwood veneer and Arctic White soft lacquer give this modern Cadre kitchen both warmth and panache, www.rational.de/en

A sophisticated blend of light and dark shades gives this traditional handmade The Vao kitchen by Team7 is an example of how a traditional material such as wood can be used to great effect in a kitchen an individual, but welcoming feel. Mixing and matching is a popular modern kitchen. An absence of handles contributes to the clean lines of the cabinets, www.wharfside.co.uk trend as it helps to give an unfitted feel to a kitchen, www.rencraft.co.uk

Puttin’ on the glitz Richenda Oldham checks out what’s cool in kitchens...

K

i tchens are just for cooking in, right? Well no, not any more. The modern kitchen has evolved from being a strictly utilitarianarea where meals were prepared and then served elsewhere to a central living hub, where the whole family can congregate to relax, watch television, talk and even work.

This new identity for kitchens reflects the busy lifestyle of homeowners, for whom meals have less significance than they did 20 years ago. As such, kitchens

are larger to accommodate living areas, which feature tables and islands as well as sofas and chairs and designated work areas, as the trend for flexible working increases.

There is a definite move towards more environmentally friendly kitchens, which use recycled materials and for sleeker, streamlined designs in a more open setting. Because kitchens have become much more of a living space, their design has become even more significant, with a leaning towards a more sophisticated look overall.

MINIMALISM Minimalism has become a particularly dominant theme, featuring kitchens with clean lines and natural materials.

Details such as hidden handles and extremely discreet push mechanisms aid this move to an uncluttered space.

Timber panels and natural flooring are key features.

MONOCHROME Classy and understated is one of the top trends, with natural tones, greys and creamy neutrals. This is offset

perfectly by warm metallics, such as bronze, copper and brushed nickel, and natural flooring such as slate or wide timber planks. Colours to choose include charcoal, grey, buttermilk or earthy browns.

COLOUR There are plenty of big bold colourful kitchen designs around. Plus using a combination of different colours is bang on trend and can give your kitchen a modern, updated look. Try dark wood and white cabinetry or cabinets painted

in different colours. For example, an island painted a darker tone than the rest of the units.

LIGHTING There are plenty of big bold colourful kitchen designs around. Plus using a combination of different colours is bang on trend and can give your kitchen a modern, updated look. Try dark wood and white cabinetry or cabinets painted in different colours. For example, an island painted a darker tone than the rest of the units.

For the latest on the property market

interiors

@What_House

19

Element-ary The humble kettle has been replaced by sleek designs, bright colours and high-tech features.

With so much choice, Richenda Oldham recommends doing your homework first before buying...

5

Sainsbury’s eye-catching copper stovetop kettle has a stainless steel base for longevity and a whistle on the spout.

It’s suitable for all hobs, except induction, £25, www.sainsburys.co.uk

The stainless steel Ufer Odo kettle from Schulte is a glossy, high-quality, 2.4l capacity kettle that can be used on all cooker types, including induction, £69.99, www.wayfair.co.uk

Swan’s Vintage SK261030 Pyramid kettle has a visible water gauge and a built-in automatic cut-off, which ensures that it never boils dry. It comes in pretty, nostalgic colours, including blue and cream, £69.99, www.very.co.uk

The Smarter Wifi kettle, shown here in blue, is an intelligent appliance that can be started from anywhere in the house and even lets you know when it needs refilling, £99, www.wifikettle.com

Smeg’s new stainless steel KLFO1 kettle automatically shuts off at 100°C and features a push-pull opening lid.

It comes in all the colours of the rainbow, including cream, red, black, pastel blue, pastel green, pink and polished steel, £89.99, www.smeguk.com

20 interiors

Find your new home at whathouse.com/new-homes

Say it with flowers From bold prints to delicate sprigs, choose floral accessories to give your home a spring boost, says Richenda Oldham

Coming up roses...this gorgeous Polly Pink Rose and Taupe floral cushion would look equally fabulous in a country cottage or a town house, £25, www. giftwrappedandgorgeous.com

Blooming marvellous...with its pink flowers and green leaves this cherry blossom wreath will bring spring into your home, £35, www.tch.net

Paperchase posies...these pretty floral paperchains are a charming alternative to bunting - makes up to 10 metres of decorations when assembled, £5.99, www.oakroomshop.co.uk

Floral notes...summer meadow flowers transform this birchwood tray into a work of art, £28, www.berryred.co.uk Lavender blue, dilly dilly...the scent of freshly picked lavender flowers will melt all your troubles away; lavender scented candle, £8.50, www.kiss-air.com

TLL2300_Layout 1 19/03/2015 13:28 Page 1

Cambridge 3 seater sofa was £1459 - now £969

Chesterfield 3 seater sofa was £1299 - now £889

If you are searching for the finest hand-built leather upholstery without the usual extravagant price tags, then you need to look no further than the latest Thomas Lloyd brochure. By selling direct from our factory you get furniture at Trade Prices and of a far higher quality than you would from your local shops at similar prices.

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150392H Composite 340x265_150392H Composite 340x265 27/10/2014 14:58 Page 1

Inspired by tradition

TRADITIONAL CHARACTER, CONTEMPORARY LIVING If you're searching for a new home with traditional charm as well as all the internal features you desire for comfortable, convenient and stylish living, look no further than Hopkins Homes and Hopkins and Moore.

We are East Anglia's leading developers, building collections of homes to exceptionally high standards, each one individually designed to complement its setting, be it town, village, countryside or coast.

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Help To Buy is subject to scheme rules

investment 23

More news and interviews at whathouse.com/news

Of pensions, conspiracy theories, tax and elephants As pension reforms kick in, finance expert Lawrence Watts considers their implications HOW TO SPOT AN before taking a mind excursion...

ELEPHANT

I

t hought it was the right time to discuss pension liberation, announced by George Osborne in last year’s Budget, and coming into force from 6 April this year.

From there, my mind wandered to a couple of other linked issues concerning government policy on this issue and how far the lengths to set up tax avoidance schemes have gone.

Bear with me!

PENSIONS For years, the default retirement position for any personal pension savings was the pension annuity. You invest a lump sum with a pension company and they promised either a level or increasing pension for the rest of your life, and with the insurance compensation scheme, the annuity was practically guaranteed by government.

In the 1990s, a £100,000 pension fund would buy a level pension of circa £11,400 per year for a 65-yearold life. In 2015, the same lump sum will buy you £4,950.

The new position for ‘personal pensions’ is that once you turn 55 (eventually to be 57), you can take 25% of your pensions savings (normally, but sometimes more or less) as tax-free cash (but now called the ‘pension commencement lump sum’ – note the words “tax-free” have disappeared) and the rest you can take as income and pay tax, depending on your marginal rate.

If you manage your pension properly, it should pay out an income for life and, on your death, it could provide either an income or lump sum to your spouse and, potentially, to your children.

My view is that, for many people, leaving a pension to their children will be a big draw, rather than the current position where the annuity usually dies with you and your spouse/partner.

Children will be able to draw on your pension at their rates of tax in their lifetime. This is a significant change.

Others will surrender their pension and invest in property. Remember that, apart from the tax-free lump sum, the rest is taxed at 0%, 20%, 40% and 45%. You could spread your taxable income over many years, after taking the tax-free lump sum, to reduce/avoid tax by keeping as close as possible to your lowest possible marginal rate. Or, in other words, try not to take large

lump sums that push you into a higher tax rate. You cannot gift your pension to a lower rate tax-paying spouse.

The bigger picture could be for those in public and private sector pension schemes that offer a ‘defined benefit’, inflation-linked, guaranteed pension. Imagine you were offered an inflation-linked pension of £12,000 per year at 60, or a transfer lump sum instead, of say, £450,000 (and that is the roughly the amount of pension savings you would need to buy a £12,000 inflation-linked pension), from which you could take tax-free cash of £112,500, and rightly or wrongly, the temptation to buy that Porsche could be irresistible.

Furthermore, you could then arrange to gift some/all of your lump sum to the children on your death. In particular, if you were in ill health and knew your mortality was shortened, wouldn’t you be tempted to take the transfer sum for part of your spouse/ children’s inheritance. (NB Just to be clear, not all public sector schemes will offer a transfer value.)

With a lump sum of £112,500, you could certainly put a deposit on a buyto-let or two. You could then take the other £337,500 as income over many years, or leave it be.

THE TRUTH IS OUT THERE....

Now this is where I get all ‘Mulder and Scully’. In the 1990s, high annuity rates also paid high income tax receipts to

government. Furthermore, government legislated to make sure annuity providers backed up their annuities with government gilts. Governments then had a steady source of buyers of gilts and index-linked gilts to finance the fiscal deficit.

A government regulator, the Financial Services Authority (as it was back then), was very clear on the importance of annuities and, indeed, indexed-linked annuities seemed to be the default compliance position. As a financial adviser, you needed (and still do) to be very careful before recommending anything but an annuity.

Suddenly, annuity rates fall, governments buy up gilts via quantitative easing and annuity rates tumble even further, and so do tax receipts. Governments need tax revenues more than ever and the golden goose is dying.

So, what can the Exchequer do? Well, they can let everybody take much of their pension now in lump sums; more tax now, and then change the rules to make annuities look even less attractive.

Lo and behold, more tax revenue!

Much, much later, when tax receipts drop from pensions income, because everybody bought a Porsche when they first retired, a new parliament will need to come up with another way to take revenue from pensioners. We shall see.

Lawrence Watts is a chartered financial planner with HBB. Contact 07982 235543, 01727 862477

So much of pension planning centres round tax planning that reminds me of Samwise Gamgee, who was Frodo’s companion on their Middle Earth jaunt. Sam’s abiding desire was to see the famed Oliphant, which was, it turns out, a gigantic elephant. What can be more ridiculous than a creature with huge ears, a long trunk, a tiny tail and two huge tusks, as big as a house and all grey to boot? How can it be? But I guess if you saw an elephant in a room, it would stick out just a bit and the description would ring true.

And so, who would have thought that it was possible to gift earned income offshore to a charity, and actually then receive back capital and a huge chunk of tax. Or indeed, opt to be a film producer and as a “trading” film producer, offset losses against your tax bill. What about setting up a music production company that generates losses that you also offset against income. Who would have thought it possible?

You see, explaining a tax scheme can be difficult, but when you see one it’s pretty obvious. Tax avoidance schemes are not illegal, but some do seem a little too ridiculous.

When was it okay to donate to charity and get your money back with tax? How could investing always lead to a trading loss?

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Main image:

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26 mortgages

Find a great mortage deal at whathouse.com/mortgages

Homeowners outnumber mortgage holders for first time since the 1980s The generational divide is also widening, with the majority of homeowners now 65 or over, says Nick Parkhouse

N

e w data has revealed that the number of people in England who own their homes outright is now higher than the number of people buying with mortgages for the first time since the 1980s.

The English Housing Survey has revealed that the balance of ownership in England has tipped in recent years and there are now more owners than mortgage holders. While 7.4 million households in England are outright owners, the figure for mortgagedowners is 6.9 million.

YOUNG PEOPLE MORE LIKELY TO RENT Housing groups have warned of a ‘pricedout generation’ as the figures revealed a widening age divide. The majority of outright owners, 4.5 million households, have a resident aged 65 or over while the proportion of 25- to 34-year-olds who are owner-occupiers has dropped from 59% to 36% over the past 10 years.

Younger people are now increasingly likely to be found in private rented accommodation with just under half of 16- to 34-year-olds now renting from private landlords. The number of people renting has also increased in recent years, with the latest figures showing that 19% of households rent privately and 17% live in rented social housing.

Neal Hudson from property consultancy Savills said the change in tenures was probably “a combination of both market and demographic factors, with fewer first-time buyers entering the market and more babyboomers approaching retirement and paying off their mortgage, helped by low mortgage rates”.

He added: “The recent pick-up in first time buyer numbers will perhaps slightly slow the trend but will not be sufficient to reverse it. While house prices remain high relative to incomes and housing delivery remains below

required levels, we will continue to see the private rented sector expand.”

WINDING BACK THE CLOCK The National Housing Federation said the figures showed how the younger ‘priced-out’ generation had been hit by the rising market. Chief executive David Orr said: “As house prices continue to rise we’re in danger of winding back the clock on homeownership, with only the privileged few having any hope of affording it.

“At the moment people who can’t buy a home have little or no choice but to rent privately, going from one short-term let to another at an ever-escalating cost. We believe that everyone should have a home they can afford, which means having more affordable homes to rent or buy through shared ownership and a private rental market that’s fit for purpose.”

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whathouse.com/mortgages Prolific Mortgage Finance Ltd is a registered company in England & Wales under company number 06334944. Prolific Mortgage Finance Ltd is an Appointed Representative of Home Counties Mortgage Protection and Finance Ltd who is authorised and regulated by the Financial Conduct Authority. There may be occasions where we may charge a fee which will depend on your circumstances. In these situations we will inform you at an early stage, the fee typically being no more that 1% of the total loan amount.YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED UPON IT. The actual premium for protection products will depend upon individual circumstances. Please ask us for a specific customer illustration be contacting us by completing our enquiry form or telephone the office directly. *The above mentioned products are not regulated by the FCA and accordingly the protection normally afforded does not apply.

We aim to relieve you of as much of the burden as possible Nick Sellick founded Estate Insurance Group to provide a unique property owners insurance product. Since then we have grown with our clients, providing insurance for their ever diversifying business needs. Part of this growth has been delivered by the successful incorporation of Ian Gibson Ltd who have brought with them their considerable experience and knowledge.

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The development consists of 49, one and two bedroom bungalows, as well as three bedroom chalet bungalows for those who want a little extra space.

The Croft at Baston is not just a place to live but a community of like-minded neighbours who enjoy a lifestyle full of possibilities.

The properties by What House? ‘Best Retirement Development’ Winner Larkfleet Homes are located around attractive walkways and gardens, creating a pleasant community environment.

The Croft at Baston, Mayfield Gardens, Baston, Lincolnshire PE6 9QW

www.larkfleethomes.co.uk email baston@larkfleethomes.co.uk

...better, because we care We care about quality

We care about customers

We care about your energy bills

All the homes have been designed to need minimal ongoing maintenance so homeowners can benefit from the independence and security of property ownership without the day-to-day concerns of property upkeep.

A community club house is also on site where residents can enjoy from £149,995 taking part in their own 1 bedroom bungalows hobby, activity groups 2 bedroom bungalows from £179,995 and regular communal 3 bedroom chalet bungalows from £249,995 events.

A new development, built exclusively for the over 55s.

Call 07825 275820 for more information.

We care about the environment

We care about the community

55 s What’s more, Larkfleet offers a range of buyer services, to make your move to Baston easy and trouble-free.

Award winning developer

Sales office and showhome open daily 10am – 5pm

Harborne Sales 0121 426 1876 Harborne Lettings 0121 426 2931 8am - 10pm everyday

Meet your local property experts and find out how we can help you. haart Sales The sales team is headed up by branch manager David Grubb who has over a decade’s worth of industry experience. He is joined by negotiators Levi Barratt, Catherine Higgins and Tanya Johnson. David believes the secret to any successful business is its dedicated and hardworking team of staff. This bright and energetic team balance great sales techniques with good honest advice and a commitment to providing our customers with the 1st class service they deserve. Harborne is a very desirable place to live, it has an urban village sort of feel, with good cafes, restaurants and pubs, yet Birmingham city centre is only just over a mile away.

haart Lettings haart Residential Lettings aim is to find the right tenants for the right property quickly. The lettings team comprises of Lettings Area Manager Minder Virdee who has been with the company over 7 successful years. He is joined by Negotiator’s Inderpaul Channa and Harminder Matharu who have helped the lettings business take off with great effect. “Key to our business is our ability to act as an advisor and treating everybody as an individual,” says Minder Virdee. “Our ability to let a property quickly and efficiently is based on two factors, marketing and price. Get both right and a property will not be on the market long.”

Pop in and see us at 107 High Street, Harborne, Birmingham B17 9NR, or call us for a free valuation of your home.

Stop guessing when the time to sell is now!

Now is the time to sell and we will help you achieve the best price for your home Let us take the guesswork out of when to sell your home.

House prices are strong, demand is growing and stamp duty is reduced.

Take advantage of our in-depth knowledge and intelligence, within your local market here in Harborne, so we can put you in the best position to get the best price for your home at the right time for you.

We have prospective buyers ready to view and we are available everyday from 8am - 10pm on 0121 426 1876.

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