Page 1

produced by Lawlors Property Services

Woodside Road, Woodford Green, p7

produced by: Lawlors Property Services


dedicated to property

Dear Reader Welcome to Lawlors Property Services latest edition of inhouse magazine. This is the only local magazine dedicated exclusively to property matters distributed direct to your door every month. Inhouse magazine offers some of the areas finest properties in the Loughton, Buckhurst Hill, Woodford Green Chigwell and surrounding areas, together with a wealth of expert advice from some of the areas leading businesses.



As part of our unique marketing strategy we ensure that every applicant who is currently registered with the Lawlors network of offices receive a copy of Inhouse.




Contributors and News


We also distribute our magazine directly through the door of approximately 20,000 homes locally including privileged distribution through Repton Park. This market service is unique to Lawlors Property Services and is guaranteed to ensure that your property reaches the widest market.




Feature - Woodside Road

8/9 11

Despite varying report to the contrary the market is extremely active and our skilled team of negotiators still require further properties to sell. If you are considering selling now or in the near future call any of our offices to ensure immediate attention and allow us the opportunity to explain what we can do for you and your property sale or purchase.


Woodford Green Feature - Kendall Avenue

12/13 Chigwell 14



Feature - Orchard End

18/19 Repton Park 22-23 Lettings

Sandra Lawlor


inhouse october/november 05

James Lawlor


Sandra & James Lawlor F.N.A.E.A


professionalcontributors A special thanks to all those who have contributed and supported this month’s inhouse magazine. These include developers Ruskin Homes featuring Roebuck Heights at Buckhurst Hill. Our regular contributors Vantis accountants business and tax advisers offering specialist insight into self invested pension plans. Bang & Olafson (Loughton) market leaders in quality sound and vision equipment for your home. Islington based architects BB Partnership offering imaginative and creative architectural services of the highest standard and especially our selection of vendors whose superb and unique houses in our area featuring Woodside Road, Woodford Green, Orchard End, Ongar and Kendall Avenue, Epping.

Lawlors Property Services


Finish on a high . . . Finishing the year on a high is definitely what current clients of Lawlors Property Services are doing. With possibly the most turbulent twelve months in the property market since the early 1990’s stability is back again. With a noticeable increased growth month on month, in areas such as new applicants and viewings across the Lawlors network we believe there has not been a better time to sell your home over the last year than now.

Please forward your comments, thoughts and suggestions on inhouse magazine for future editions to: Many Thanks.


There are several reasons the market adjusted but never crashed as some analysts thought. The Times reported on September 22nd 2005, ‘Britain needs a million new homes’. Housing experts claim that house-building needs to increase by 33 per cent from the current 154,000 a year to 220,000 a year to meet the rising demand. Simple economics work on supply and demand if we do not have enough homes, prices can only go in one stable direction. The predicted explosion in household prices was due mainly to the general change with lifestyle in society. More people remaining single for longer, rising divorce rates and people generally living longer independently. At Lawlors Property Services we aim to deliver frontline knowledge on the housing market, combined with a deserved reputation for success and professionalism second to none. To discuss any of your property needs please contact one of our local branches.

Residential Homes




Offered to the market for only the second time in its history is this four bedroom detached residence which is situated in a prime position on Church Lane. Property benefits include dining room, family room, lounge, downstairs shower room, kitchen, utility room, master bedroom, en suite bathroom, bedroom two, bedroom three, bedroom four, family bathroom, rear garden 50'0 x 30'0 approximately, swimming pool, off street parking and two garages.


WOODSIDE HOUSE, THEYDON MOUNT £1,450,000 A rare opportunity has arisen to purchase this highly desirable country home, located in Theydon Mount. Set within approximately 6.5 acres the property is predominantly set across the ground floor offering a selection of receptions, bedrooms and two kitchens, with further bedrooms and bathrooms on the 1st floor. To fully appreciate the seven bedroom property and location that is offered an inspection is highly recommended.



Offered to the market this beautifully presented three bedroom penthouse apartment on the ever popular Forest Heights. The property has been maintained to an extremely high standard and an internal viewing is recommended. Property benefits include separate w.c, , lounge, dining room, kitchen, master bedroom, en suite bathroom, two further bedrooms, family bathroom, wrap around balcony, two underground allocated parking spaces, electric gates, porterage and communal grounds


Located in a cul de sac off St Johns Road is this four bedroom detached house with double integral garage. With accommodation including a lounge / diner, fitted kitchen with separate utility room and ground floor cloakroom, master bedroom with ensuite shower room plus three further bedrooms and a family bathroom this property offers ideal living accommodation for a family. Do not hesitate to view this property at the earliest opportunity.

Offered to the market is this spacious, "executive design", four bedroom detached property situated on the exquisite Great Woodcote Park and benefiting from modern features such as integrated speakers in many rooms with individual control panels. Property benefits include, downstairs W.C, dining room 15'2 into bay x 11'3, lounge 20'1 x 11'3, kitchen 15'11 x 12'7, TV room 7'10 x 6'9, master bedroom 16'0 x 13'6, en suite bathroom, bedroom two 12'1 x 10'2, en suite shower room, bedroom three 16'0 x 11'0, bedroom four 13'6 into dormer x 9'1, family bathroom, exterior 30'0 x 40'0 approximately, off street parking for two vehicles and double integral garage.



An opportunity to purchase this three bedroom detached property with attached one bedroom annexe. Situated within this sought after location and within easy access of the shopping facilities of the High Road and the Central line with its access to the City and the West End. The property offers flexible accommodation as the annexe could be amalgamated into the main residence. Property benefits include: kitchen, lounge, dining room, three bedrooms, family bathroom, rear garden and off street parking.

inhouse october/november 05



t: 020 8502 5588 04


Lawlors are pleased to offer this well presented three bedroom terrace property situated within Loughtons prestigious gated development Great Woodcote Park, landscaped communal grounds, ponds and porters lodge. The property has been well maintained with a good size conservatory facing the garden. Viewing is strongly recommended. Property benefits include kitchen breakfast room, separate W.C, lounge, conservatory, 3 bedrooms, en-suite bathroom and detached garage.



Offering to the market this two bedroom top floor flat which is offered with no onward chain. The property benefits from being conveniently located for Queens Road shopping facilities in addition to Buckhurst Hill central line. Property benefits include two bedrooms, lounge, kitchen, family bathroom and garage en-bloc

Loughton, Chigwell and Woodford LOUGHTON OFFICE 165 High Road, Loughton, Essex, IG10 4LF t: 020 8502 5588 f: 020 8502 5802 e:

all properties featured are exclusive to Lawlors

Our offices are closed on Sundays but to arrange viewings, you can call the following number: 07736 234422 between 10am-2pm



We are pleased to offer this four bedroom detached family residence situated in this sought after residential road in Loughton. Property benefits include kitchen/breakfast room, utility room, cloakroom, sitting room/dining room, family bathroom, additional shower room, master bedroom with en-suite shower room, three further bedrooms, integral garage, off street parking and rear garden.




Offered to the market is this five bedroom double fronted detached house boasting immense character. Occupying a superb location this property offers many character features including several reception rooms a galleried landing and a rear garden in excess of 75 feet. This property must be viewed internally to be fully appreciated. Property benefits include entrance hallway, lounge 24'6 x 12'10, dining room 10 x 11'4, kitchen 711 x 9'9, family room 12'7 x 14'7, gallery landing, master bedroom 15'1 x 13'2, bedroom two 11'9 x 14'9, bedroom three 13'1 x 8'8, bedroom four 11'5 x 8'3, bedroom five 11'11 x 6'6, bathroom, separate w.c, rear garden in excess of 75' and attached single garage. Open day on the 4th October between 10am-1pm, please contact our office on 020 8502 5588 to book an appointment.



Lawlors Property Services are delighted to offer for sale this four bedroom detached residence situated within easy access to Buckhurst Hills trendy boutiques, eateries and central line station. The property is truly for those of us who like to entertain, with an open plan ground floor and games room to the lower level. To fully appreciate the accommodation on offer we would strongly recommend an internal inspection.


Offered to the market is this three bedroom detached property set with easy access to Loughton's shopping and transport facilities. An early viewing is recommended to appreciate the size and standard of decor. Property benefits include dining room 15'6 into bay x 12'5, lounge 18'3 x 11'1, kitchen 14'1 x 7'5, master bedroom 15'6 x 12'0, bedroom two 13'0 x 10'11, bedroom three 8'10 x 6'9, family bathroom, separate W.C, rear garden approximately 100ft, off street parking and detached garage.



Offered to the market is this well maintained, two bedroom, first floor apartment. The property has been meticulously re-modernized and now has the benefits of a fitted kitchen and gas central heating. To locate the property proceed from our Loughton office in the direction of Epping, proceed straight over at the mini roundabout and take a left into Lower Road. Peterson Court can be found on the left hand side. Property benefits include: kitchen, lounge, two bedrooms and bathroom.

RICHMOND PARK, GREAT WOODCOTE PARK £1.250,000 Offered to the market is this five, double bedroom, property set on the prestigious Great Woodcote Park estate. This well maintained property offers spacious living accommodation, Porterage and communal grounds. Property benfits include, TV Room, study, lounge, dining room, kitchen, utility room, separate W.C, master bedroom, master en suite, bedroom two, en suite bathroom, bedroom three, bedroom four, bedroom five, family bathroom, exterior, off street parking and double integral garage.



We are pleased to offer this outstanding four bedroom detached residence situated in the popular "Hillcrest Road". The property has been maintained to the highest of standards and boasts many fine features and good sized rooms. To fully appreciate this property an internal viewing is highly recommended. Property benefits include lounge, dining room, ground floor cloakroom, kitchen, breakfast room, utility room, master bedroom, en suite shower room, three other bedrooms, family bathroom, rear garden, double length garage and off street parking for numerous vehicles.



Offered with no onward chain is this delightful four bedroom detached property, set within close proximity to both Epping Forest and Loughtons High Road this is a property not to be missed. The property can then be found on the left hand side. Property benefits include downstairs W.C, lounge 16'2 into the bay x 12'7,dining room 12'7 x 9'2, kitchen 12'2 x 9'8 > 8'8, master bedroom 12'7 excluding wardrobes x 9'6, en suite bathroom, bedroom two 12'8 x 10'6, bedroom three 12'1 x 9'10, bedroom four 8'10 x 7'5 family bathroom, exterior, double integral garage and off street parking. october/november 05 inhouse


By Wendy Docherty, consultant SAVILLS PRIVATE FINANCE

Autumn is a good time to buy a new home. With summer holidays out of the way and the Christmas festivities still some way off, it can be the perfect opportunity to consider upping sticks and moving to a new property. However, getting the financing right is crucial. Despite a reduction in interest rates to 4.5 per cent in August, this came on the back of four increases in 2004 so affordability is likely to be more of an issue than in the past. There are plenty of excellent deals out there but picking the best one can be daunting. Below, I run through the golden rules you should follow to help you get the right mortgage.

1 - Use an independent mortgage broker

3 - Consider a tracker Borrowers who don’t need the certainty of fixed monthly repayments and who can afford to be wrong – i.e. if rates move up rather than down they can still afford their mortgage – may find a tracker mortgage to be more suitable. This tracks the base rate so any cut made by the Bank of England is passed onto borrowers in full soon afterwards. So if rates move downwards over the next few months, these borrowers will benefit from lower monthly repayments.

Finding the right mortgage involves lots of work as there are so many different deals available from scores of lenders. Finding the most competitive deal is a time-consuming task unless you use a mortgage broker. Not just any broker will do. Always use an independent broker, such as Savills Private Finance (SPF), with access to all the mortgages on the market. The likelihood is that those restricted to a panel of lenders will not be able to find the best deal.

Tracker rates start from 0.11 per cent under base for two years, giving a current pay rate of 4.39 per cent. They tend to be better value in the long run than discounted mortgages, even if the latter are cheaper at least initially (starting from 4.24 per cent).

A good broker will be able to talk through what sort of loan suits your circumstances and help you choose the best deal. SPF also offers exclusive rates and products, saving you even more money.

2 - Figure out what type of mortgage you need

This is because a discounted rate is a few percentage points below the lender’s SVR rather than the base rate, so while lenders are obliged to pass on a cut in the base rate in full to customers with base-rate trackers, they aren’t obliged to adjust their SVR accordingly. Thus a borrower on a discounted rate may miss out on the full scale of any rate cut.

There is no single best mortgage deal - the right one for you will be the one that best suits your circumstances. If you need the certainty of guaranteed monthly repayments because you are on a tight budget, you need a fixed-rate mortgage. These also suit those who believe interest rates are going to rise because they protect you from such fluctuations.

Some lenders impose a higher lending charge (HLC) if you have no deposit or a very small one. This is a percentage of the loan and can be as much as a few thousand pounds. It is used to purchase an insurance policy protecting the lender against the borrower defaulting on their mortgage: if the property has to be repossessed and sold, it ensures the lender doesn’t lose any money. Many lenders don’t impose a HLC so it’s worth shopping around for one that doesn’t.

6 - Beware marketing gimmicks A free car, iPod or £250 cash are all various incentives offered by lenders recently to encourage borrowers to take out a mortgage with them. But before being dazzled by the freebies it is important to work out the true cost: often the mortgage will have a higher rate of interest than the best deals on the market and a sizeable arrangement fee. Try to be guided by the interest rate and fees rather than gimmicks.

7 - Consider protection 4 - Think about fees

Borrowers typically fix for two, three or five years although shorter and much longer fixes are available. The shorter the fix, the better the rate, with two-year fixes starting from 4.15 per cent; three-year fixes from 4.24 per cent; and five-year fixes from 4.39 per cent. Make sure you don’t fix for longer than you are comfortable with i.e. a ten-year fix if there is a chance you will want to move next year, for example. Fixed-rate mortgages can have hefty early repayment penalties so stick with a period that you are happy with. And remember, the downside with fixed rates is that if interest rates fall, you won’t benefit.


5 - Avoid a higher lending charge

inhouse october/november 05

While the rate of interest on a mortgage is undeniably important, so too are the fees. These have been rising in recent months and are consequently far higher than in the past. Arrangement fees are typically around £300 to £400, although they can be as high as £600. Most lenders will let you add this onto the mortgage so you don’t have to pay upfront. As a general rule, if you are taking out a fairly small mortgage you should opt for a smaller fee and higher rate, whereas if you want a bigger loan, a higher fee and lower rate are more cost-effective.

If you have dependants you must consider what will happen to them if anything happens to you. It is worth taking out life cover if you haven’t already got it to ensure your mortgage is paid off if you die. If you are remortgaging you may want to review existing cover to ensure it will pay out enough. Other forms of cover are also available should you lose your job or fall sick so you can no longer work: consult your mortgage broker for more information. For more information on a new mortgage or remortgaging, please contact Wendy Docherty at Savills Private Finance on 0207 715 4183 or email

Woodside Road - Elite Home

Living... room …is exactly what this grand residence on Woodside Road, Woodford Green offers and plenty of it. The six bedroom much improved and extended family home dates back to the Victorian times and offers amazing accommodation. The ground floor includes a 22’ entrance hall, 21’ family reception, three further receptions, a 27’ kitchen/breakfast room, two utility rooms, ground floor cloakroom, double garage and parking for at least five/six vehicles. As well as the exceptional ground floor accommodation, the first floor boasts six bedrooms and three bathrooms and would lend itself well to further extending, if required, to the loft areas, subject to usual planning consents. To the rear of the property is a fabulous West facing garden with a stunning Willow tree feature to one corner, shielding a large children’s play area. The garden also leads directly into Epping Forest and onto Woodford Golf course with incredible views and fantastic walkways. This unique house is perfect for entertaining whether it be an intimate dinner party in one of the three receptions or large scale events using the whole house and garden. For any further information regarding this home please contact the Lawlors Property Services Woodford Green 020 8506 0828.

£1.295m Please contact our Woodford office on 020 8506 0828.

october/november 05 inhouse


Residential Homes


NEWLANDS ROAD, WOODFORD GREEN £400,000 Offered to the market is this potential building plot which is currently occupied by a two bedroom detached bungalow. The current vendors have commissioned plans to convert the existing property into a two storey, three reception room, four bedroom and four bathroom residence, which has been approved by the local planning department. Plans are available for viewing at our Woodford Green office.


THE DELL, WOODFORD GREEN £985,000 Lawlors Property Services are delighted to exclusively offer for sale this commanding five bedroom detached family residence situated on the prestigious location of The Dell. The property is situated along this sought after tree lined residential turning, on the ever popular Knightons Estate and property benefits include large entrance hall, five reception rooms and five bedrooms three of which have en suite facilities making this a truly family orientated property.



An opportunity has arisen to purchase this stunning four bedroom detached residence situated in one of Woodford Greens most favourable locations. Having been meticulously maintained by the current owners and offering two reception rooms including a 35ft sitting room, fitted kitchen/breakfast room, separate utility room. Benefits include: Sitting room, family Room, cloakroom/W.C, breakfast area, kitchen, two bedrooms with En-Suites, two further bedrooms, family Bathroom, rear garden, detached garage, off Street Parking.


Lawlors Property Services are pleased to offer onto the market this three bed terraced property situated on High Road Buckhurst hill which benefits from being within easy access to Queens Road shopping facilities and Buckhurst Hill central line station .The property is in need of slight modernisation but would make a fantastic proposition for anyone looking to make there own mark on a property and has the added benefit of being offered chain free. Lounge, kitchen/dining room, cloakroom, master Bedroom, two further bedrooms, family bathroom, rear garden 15'7 x 11'10, garage.

This fabulous six /seven bedroom residence which has been completely refurbished to the highest standard. The property retains its original character but internally offers a highly luxurious and quality finish. Master bedroom offers dressing room and en suite, five further bedrooms and family bathroom.



Offered to the market is this delightful Four Bedroom end of terrace property situated in this pleasant cul-de-sac location just off St.Barnabas Road Woodford Green and offering a generous sitting room/dining room with the added advantage of a further spacious T.V/family room with views over a 80ft South Facing rear garden. Benefiting from three double bedrooms, single attached garage, off street parking. We also understand from the owners that the property is situated in the ever popular "Churchfields" catchment. Property benefits include: Sitting Room, T.V/family room, kitchen/breakfast room, south facing rear garden 82ft x 35ft, off street parking.

inhouse october/november 05



t: 020 8506 0828 08


Offered to the market is this fabulous four bedroom detached residence situated in the sought after location of Woodland Way. The property benefits from many fine features including two reception rooms, newly fitted high quality kitchen, south westerly facing rear garden, integral garage and an abundance of off street parking. To fully appreciate the accommodation on offer we would strongly recommend an internal inspection.



An opportunity to purchase this executive four bedroom detached property situated in a quite cul-de-sac in this sought after residential development and built approximately nine years ago. The property offers a spacious sitting room with separate dining room and a generous kitchen/breakfast room with views over the rear garden and mature trees. Property benefits include: Sitting room, dining Room, kitchen breakfast room, cloakroom/W.C, master bedroom with En-Suite shower room, three further bedrooms rear garden 56ft x 36f, single garage. Chain free.

Loughton, Chigwell and Woodford WOODFORD OFFICE 457 High Road, Woodford Green, Essex, IG8 0XE t: 020 8506 0828 f: 020 8506 9101 e:

all properties featured are exclusive to Lawlors

Our offices are closed on Sundays but to arrange viewings, you can call the following number: 07736 234422 between 10am-2pm



Lawlors Property Services are pleased to offer to the market this five bedroom semidetached residence situated on Farm Way within easy access to Roding Valley central line station and local shopping facilities. The property benefits from two good sized reception rooms fitted kitchen with Amtico flooring and morning room. To fully appreciate what this property has to offer viewing is a must. Entrance hall, dining room lounge, kitchen, morning room, master bedroom with En-Suite bathroom, five further bedrooms, family bathroom, rear garden 85ft x 21ft, garage /utility room, off street parking.



Offered to the market is this beautiful four bedroom semi-detached family residence, situated in this peaceful turning in Woodford Green. The property has been exceptionally maintained by the current vendors and offers solid oak wood panelling to the hallway and a hand made solid oak kitchen, there are two bedrooms both with en-suite facilities and a luxury family bathroom, making this a truly family orientated property. To fully appreciate the size and condition of this property we would strongly recommend an internal inspection.

MONKHAMS LANE, WOODFORD GREEN £499,995 Lawlors Property Services are delighted to offer onto the market this Edwardian three bedroom semi detached residence situated on the prestigious Monkhams Estate. The property benefits from off-street parking two reception rooms and many original features including period fire places and picture rails to name but a few. To fully appreciate the property and what it has to offer viewing is a must.



£775,000 This spacious four bedroom semidetached home. The property has been refurbished throughout to an extremely high standard and offers three reception rooms one of them being a fantastic "orangery" with spectacular views over a 180ft rear garden, a generous kitchen/breakfast room.

Charming Four Bedroom Thatched Residence occupying a corner position on the ever popular Knighton Estate. This particular detached property has recently undergone an extensive refurbishment programme whose benefits include a stunning fully equipped kitchen / diner, off street parking, en suite bathroom, downstairs cloakroom and a large secure garden. Property benefits include: Lounge, Kitchen / Diner, Dining Room, Cloakroom, Master Bedroom, En-suite Bathroom Bedroom, three further bedrooms, Rear Garden 116ft x 50ft, Off Street Parking.



Lawlors property services are delighted to offer for sale as the vendors sole agents this immaculately presented two bedroom (originally three bedroom) town house situated in the ever popular turning of The Hawthorns. This truly is a property not to be missed, and should be viewed at your earliest convenience. Property benefits include: cloakroom, bedroom three/garden room, lounge, dining room, fitted kitchen, family bathroom, separate WC, rear garden, integral garage and off street parking.



Lawlors Property Services are delighted to offer as the vendors sole agents this very desirable four bedroom detached residence situated in the sought after location of Malvern Drive. Property benefits include three reception rooms including a 36ft lounge/diner, the first floor offers a newly fitted en suite shower room to the master bedroom and a further newly fitted family bathroom. To fully appreciate the size of accommodation on offer we would strong recommend an internal inspection at your earliest convenience.



Offered to the market is this fabulous five bedroom family residence situated on the ever popular Laings estate. The property benefits from two reception rooms, kitchen with morning room and five well proportioned bedrooms to the first floor. Additional benefits include off street parking, integral garage and a well maintained rear garden. To fully appreciate the accommodation on offer we would strongly recommend an internal inspection. october/november 05 inhouse


Kendall Avenue - Elite Home

Let the pictures, do the


This stunning 5 bedroom detached family home with study boasts a wealth of features. Being located in the Epping area and ideal for the local shopping facilities and Central line, with links to the City, West End and new Olympic Village. The ground floor accommodation offers a 27’ fitted kitchen, three further receptions and cloakroom. First floor accommodation offers four bedrooms, two ensuites and family bathroom. The second floor accommodation offers bedroom with en suite and 18’ study or bedroom 6. Further benefits include a stunning landscaped garden with a fabulous heated swimming pool, games room and is offered chain free. For any further information or to arrange a viewing please do not hesitate to contact Lawlors Property Services Loughton 020 8502 5588

£1.325m Please contact our Loughton office on 020 8502 5588.

october/november 05 inhouse


Residential Homes


HIGH ELMS, CHIGWELL £439,995 Boasting stunning panoramic views of Chigwell and the surrounding areas, this property offers four bedrooms - three of which are doubles, kitchen, dining room, cloakroom/WC, garage/store room, lounge, family bathroom, second bathroom & off-street parking.

GROVE LANE, CHIGWELL £399,000 Beautifully presented and very refined Three Bedroom End-ofTerrace Cottage in a tranquil location having been decorated to a very high standard throughout boasting lounge, kitchen, conservatory/breakfast room, cloakroom/WC, utility room, master bedroom with en-suite shower room, family bathroom.

BILLINGSBOURNE BARN, CHIGWELL £1,599,500 Surrounded with rolling views of the Essex countryside, lies this awardwinning Barn Conversion. Timber beamwork, Inglenook fireplaces and yellow stock brickwork. Garaging for approx six vehicles, Master bedroom with ensuite and approximately Seven Acres.

BRACKEN DRIVE, CHIGWELL £697,500 Four bedroom detached chalet-bungalow boasting a generous 28'3 x 15'11 lounge and must be viewed to fully appreciate the accommodation on offer. Dining room, sitting room, kitchen/breakfast room, master bedroom with en suite shower room, family bathroom, second bathroom, single garage, carriage driveway & off street parking.

HAINAULT ROAD, CHIGWELL £619,995 This Four Bedroom semi detached period property, which was built in the 1890's, has beautiful charm and character. With its clean cut modern finish, an internal viewing is unquestionable. Boasting the added benefit of a Summer House, currently being used as an office.

BRACKEN DRIVE, CHIGWELL £525,000 Four Bedroom Chalet-style Bungalow, benefiting open plan living downstairs, with a large reception room measuring 35', separated into lounge, dining area and study. The property also benefits from a carriage driveway and en-suite to the master bedroom. Lounge/study, kitchen/breakfast area, dining area, master bedroom with en-suite, family bathroom, second bathroom, single garage & off-street parking.

t: 020 8281 0123 12

inhouse october/november 05

VICARAGE LANE, CHIGWELL £334,995 Three Bedroom extended Semi-Detached period cottage offering good sized accommodation and character throughout and, in our opinion, the property is offered in excellent condition. Lounge, kitchen, dining room, family bathroom, off street parking & picturesque views over Essex countryside.

HAINAULT ROAD, CHIGWELL £649,995 Four Bedroom Detached family home overlooking Chigwell with wooden parquet flooring on the ground floor, carriage driveway to the front and over a 70ft rear garden. Lounge, dining room, kitchen, lobby area, utility area, cloakroom/WC, TV room/dressing room/possible bedroom five, shower room, family bathroom, single garage & off-street parking.

Loughton, Chigwell and Woodford CHIGWELL OFFICE 116 High Road, Chigwell, Essex, IG7 5BJ t: 020 8281 0123 f: 020 8281 0222 e: Our offices are closed on Sundays but to arrange viewings, you can call the following number: 07736 234422 between 10am-2pm

LECHMERE AVENUE, CHIGWELL £569,995 Having undergone a massive extending and refurbishment programme offered for sale is this Five Bedroom Detached family home. The property boasts a wealth of features including a 38' ground floor open plan reception, further 15'8 reception, ground floor shower room and 22' newly fitted kitchen. Added benefits include off-street parking for approx three vehicles and the property is offered chain free.

MARTHAM CLOSE, OAKWOOD GATE £425,000 Located on the ever popular Oakwood Gate, part of the Repton Park Development, Four Bedroom Detached home offering good sized accommodation and, in our opinion, has been well maintained by the current owners. Viewing is highly recommend. Lounge, dining room, cloakroom/WC, kitchen, master bedroom with en-suite shower room, family bathroom, single garage & off-street parking.

FOREST LANE, CHIGWELL, £1,65M A fine example of a Five Bedroom property in one of the most prestigious locations in Chigwell Forest Lane. A large loft area which can either be used as either a sixth bedroom or a playroom. A Southerly facing garden in excess of 100ft.

LOVE LANE, WOODFORD GREEN £349,995 Three Bedroom Semi-Detached extended family home with further potential to extend (subject to usual planning consents). We highly recommend viewing of this property to appreciate the level of accommodation on offer. 'L' shaped lounge, kitchen/breakfast, annexe offering: study, bedroom four with ensuite shower room, cloakroom/WC and family bathroom.

all properties featured are exclusive to Lawlors

TUDOR CLOSE, CHIGWELL £749,995 Five Bedroom Detached family residence situated in a cul-de-sac in Tudor Close. This individual property is situated in the corner of the cul-de-sac which allows the property to be surrounded by lawned gardens with mature tree and shrub borders. Lounge/diner TV/family room, kitchen/breakfast room, cloakroom/WC, study/office, shower room & family bathroom.

COURTLAND DRIVE, CHIGWELL £1.1M On the prestigious Courtland's estate is this beautifully presented Five Bedroom family residence retaining original character. 3 receptions, kitchen/breakfast room, master bedroom with ensuite, family bathroom, two separate WCs, rear garden & detached double garage.

THE FRIARS, CHIGWELL £345,000 Four Bedroom Semi-Detached House in a cul-de-sac location situated just off Manor Road, Chigwell, within a short distance of local shopping amenities and Grange Hill Central Line Tube Station. This property is offered CHAIN FREE and immediate viewing is highly recommended to fully appreciate the potential on offer. Cloakroom/WC, lounge/diner, kitchen, conservatory, bedroom three with en-suite bathroom, family bathroom, single garage.

GRAVEL LANE, CHIGWELL £364,995 Three Bedroom Semi-Detached house situated in Gravel Close having been well-maintained by the previous owners and has spectacular views over grassland to rear. We highly recommend a viewing to fully appreciate the level of accommodation on offer. Lounge, kitchen/breakfast room, lobby area, cloakroom/WC, shower room, family bathroom, single garage & off-street parking. october/november 05 inhouse


Feature - Pensions

SIPPS: FACT OR FICTION? What is a SIPP and why is it receiving so much publicity in the property world?

allows pension funds to invest in residential property for the very first time.

A SIPP is a Self Invested Personal Pension plan which enables the policyholder to direct the investments in the fund. Typically personal pension funds are invested by insurance companies whose performance over recent years have been somewhat disappointing. These SIPP plans are approved by HM Revenue & Customs (HMRC) and premiums to a SIPP attract tax relief at an individual’s highest rate, subject to prescribed limits

This is where the SIPP comes in.

What does all this mean for me? Should I transfer my own house into a SIPP? It depends on the circumstances but probably not. This is because: - You no longer own it, the SIPP does

But you will need expert advice to do it properly! Another simple alternative exists if you have an existing SIPP, which hold sufficient investments. These investments can be encashed to provide the funds to purchase existing buy-to-let property. The property is then owned by the pension fund and you then have cash to invest, possibly in another property. Capital Gains Tax and Stamp Duty Land Tax will also need to be considered but it may be possible to mitigate this if the funds were used to make further pension contributions into the SIPP. Subject to the limits of course.

- It is already free of capital gains tax (CGT)

Where does property fit in?

- The trustees of the SIPP will be very strict with how the property is maintained

Under the current rules, a SIPP can only invest in commercial property (i.e. a shop, office or factory).

- You will have to pay rent to the SIPP at a market value or suffer a tax charge at your highest rate

Over the years commercial property has proved a very good hedge against inflation but has not seen the same huge increases in value experienced by residential property in the South East. Against this, rental income can provide a good rate of return which, locked in a pension, is tax-free. This form of investment has proved very popular with the owner managed business, enabling the owner to acquire business premises in a very tax efficient vehicle. As well as no Income Tax (IT) being paid on rental income, no Capital Gains Tax (CGT) is payable on the eventual sale of the business property

What’s changed? The Government has introduced new rules to simplify the pensions tax regime as from 6th April 2006. Presently there are a confusing number of different types of pension funds, all with different tax rules and regulations. From 6th April 2006, officially named ADay for reasons known only to the Government, all pension funds will operate under one set of rules as summarised in the table. The new rules have been issued on a piece-meal basis over the last 12 months and, whilst there are still some uncertainties over detailed provisions, the main rules are clear. The rule that is causing all the interest is the one that


- The property may have to be sold to provide your retirement benefit.

Can I transfer my existing buy-to-let investments into a SIPP? Possibly! It is technically possible to transfer all or part of a buy-to-let property into a SIPP subject to the contribution limits of 100% of earnings up to a maximum of £215,000. The main problem here is that CGT is due on the transfer into the fund. The CGT is based on the difference between the market value at the date of transfer less the original cost adjusted for indexation up to 5th April 1998. The Capital Gain is then taxed at your highest marginal rate, which in many cases will be 40% and don’t forget Stamp Duty Land Tax on the transfer.

Is there another way? One alternative may be to re-mortgage the buy-to-let property up to its original cost and then use the money generated to pay into a SIPP, with a view to using these funds to acquire a new buy-to-let property. In this way no CGT is payable and if this is done correctly full tax relief is available on the re-mortgage.

inhouse october/november 05

What about a holiday home abroad? Probably not a good idea! Because a SIPP is really a trust and trusts are not recognised in many foreign countries, it may be better to buy your holiday home personally. Although the SIPP is a tax-free fund in the UK, income and capital gains generated abroad will be taxable at possibly higher rates than here. This especially applies to Spain. For a SIPP to be tax-efficient, the overseas property would have to be in a very low tax area otherwise you may not get the tax break you bargained for. However at the moment SIPP providers are very wary of overseas investments. A further problem with overseas property is that the policyholder would need to pay the SIPP market rent for personal use or suffer a tax charge.

This article represents our understanding of current law and Inland Revenue practice. Levels, bases of and relief from taxation are those currently applying – and they are subject to change.

If you need any further advice about SIPPs, please contact Jan Rickler or Dave Kirkwood in our Loughton office on 020 8502 0411.

It is possible that HMRC may seek to tax policyholders for periods when the property is not let, but we will not know the outcome of this for some time.

A holiday home in the UK then? As the UK recognises trusts the problem of paying IT and CGT disappears. Not so for personal use! The same rules apply and the policyholder could face a tax charge for personal use and unoccupied periods. Commercially, a furnished holiday home let in the UK already enjoys favourable tax treatment so the benefits of ownership in a SIPP could easily be outweighed by tax charges for personal use.

What then is an ideal investment for a SIPP? Easy! A UK buy-to-let residential property, but not one already in the ownership of the policyholder. And don’t forget commercial property. This is still as good as it always was but don’t forget the Lifetime Allowance of £1.5 million.

Good, but I don’t have the money. It is locked in my company and to draw it out would cost me lots of tax. No problem! Even if you are receiving a very low salary and taking dividends instead, after the 6th April 2006 your company can pay up to £215,000 into your SIPP. Another of those uncertainties that we still don’t know the answer to is whether HMRC will seek to spread the tax relief on these employer contributions over more than one accounting year. Even so this is likely to be a minor problem against the main advantage of

extracting funds locked into a Company in a very tax efficient way.

But what happens when I retire? I hear that annuity rates are low and may not be a good time to sell investment properties. Again, no problem! The new regulations have relaxed the rules on annuities. So, instead of selling your entire portfolio of investments, pension benefits can, within limits, be withdrawn from those investments. For example, if a SIPP only contains UK buy-to-let properties, the tax-free rental income from these properties can be used to fund the pension to the policyholder. On death the fund assets can be passed to other members of the scheme, for example the policyholder’s children. It now appears that this won’t escape Inheritance Tax as was originally thought, but the final details have still to be decided. Hopefully this clarifies the considerable amount of speculation that exists on the subject of SIPP’s. There will be many changes to the rules on 6th April 2006. We recommend that anyone with an existing pension fund, especially if you are approaching or exceeding the Lifetime Allowance of £1.5 million, should have their circumstances reviewed by an expert. Vantis is holding an open day on this subject in October 2005 to discuss any Pension related problem. If you would like to attend, please phone Denise Cull on 020 8502 0411 for an invitation pack, or email For further information on this topic, please call Jan Rickler or Dave Kirkwood at the Vantis Loughton office on 020 8502 0411. Vantis is the AIM listed business advisory

group that specialises in helping business people improve the performance of their businesses. Through 20 locations across the UK, the company offers a range of specialist skills, including business advisory, accountancy, bespoke tax planning, business recovery, customs duty recovery and advisory services, sports advisory and management services, outsourcing, corporate finance, asset finance and independent financial advice. Working together with our tax experts in the UK, we are able to provide workable solutions for landlords and individual home owners in the UK and abroad. This article is intended for general guidance only and, where relevant, represents our understanding of current law and Inland Revenue practice. Action should not be taken without seeking professional advice. No responsibility for loss by any person acting or refraining from action as a result of the material in this article can be accepted and we cannot assume legal liability for any errors or omissions this article may contain.

NEW PENSION REGIME FROM 6th APRIL 2006 • One set of rules will apply to all pension schemes. • A Lifetime Allowance limiting the value of tax-free pension funds is introduced. For 2006/07 this is £1.5m. • Complicated transitional rules exist to protect those whose funds at 6th April 2006 already exceed £1.5m. • A lifetime tax charge will exist if benefits exceed the £1.5 million Lifetime Allowance. • A maximum annual pension contribution of £215,000. Tax at 40% is charged on the excess. • Annual maximum contribution of £3,600 or 100% of earnings, whichever is greater. • 25% of the fund value can be taken as a tax-free lump sum.

Jan Rickler - Client Partner VANTIS

David Kirkwood - Client Partner VANTIS

3rd Floor Crown House 151 High Road Loughton IG10 4LG

3rd Floor Crown House 151 High Road Loughton IG10 4LG

Email: Web:

Email: Web:

• Benefits can be taken from age 50 (55 from 6th April 2010). • Benefits can be taken without having to cease employment. • Available investments will include residential property. The fund can borrow up to 50% of the capital value of the fund. • No need to ever purchase an annuity or sell assets as pension income can be taken direct from the fund. • A pension fund will be able to acquire assets from the policyholder.

october/november 05 inhouse


Architect Feature


inhouse october/november 05

Orchard End - Elite Home

Village people... Ongar village must still be one of Essex’s best kept secrets. With it’s bustling High Street offering anything from fine antique shopping to the newest designer clothing. As well as an amazing selection of great restaurants there are also some very friendly traditional English pubs. With this in mind Lawlors Property Services are delighted to offer for sale on the edges of Ongar Village, this unique four bedroom detached home with detached double garage. Being situated at the bottom of a private cul de sac this fantastic home boasts a wealth of features.The ground floor accommodation is plentiful with three receptions, conservatory, kitchen, utility room and cloakroom. The first floor offers four bedrooms and two bathrooms and would lend itself well, if required, for extending into the loft area. The detached double garage has an additional entrance with staircase leading to the first floor offering a fantastic triple aspect room with power and lighting measuring 20’ x 14’. This home is offered in excellent condition and we would encourage any potential customer to contact us at their earliest to avoid disappointment.

£469,995 Please contact our Chigwell office on 020 8281 0123.

october/november 05 inhouse


Repton Park

Residential Homes


ROSEBURY SQUARE £595,000 Four bedroom family home arranged over three floors with four good size bedrooms and has the benefit of two en-suites. Cloakroom / WC, kitchen/breakfast, utility room, lounge, family bathroom, single garage, master bedroom and en-suite & bedroom two with en-suite.

NORTH LODGE £695,000 Grade II Listed, Three Bedroom Detached Property located upon the Repton Park Development, having been painstakingly restored and lovingly maintained the property boasts an abundance of character features coupled with all the benefits of modern-day living. Property benefits include: Dining room, lounge, cloakroom/WC, kitchen, utility room, breakfast room, conservatory, master bedroom with En-suite shower room, two further bedrooms, family bathroom, double detached garage, mature gardens.

WENTWORTH HOUSE £249,995 Stunning One Bedroom Apartment in the sought after Wentworth House within Repton Park. Property benefits include a hallway of approximately 31' and solid wood flooring thoughout. Wentworth House has it's own private security gate in addition to the 24 hour concierge service at the main entrance to Repton Park. The current owner has maintained this property to a very high standard and the decor is extremely tasteful with high ceilings, sash windows and ornate coving. Entrance hallway, lounge, kitchen, bathroom and allocated parking.

DEVONSHIRE HOUSE, £339,995 Two Bedroom, Second Floor Apartment set within the highly desirable Repton Park. The property benefits from high ceilings, sash windows with beautiful views over communal gardens. Property benefits include: Master bedroom with En-suite shower room, kitchen, bedroom two, family bathroom, lounge/diner, two allocated parking spaces.

SUTHERLAND HOUSE £365,995 Impressive Two Bedroom, Second Floor Apartment situated in the most sought after development in the area, Repton Park. This particular property boasts a wealth of original features dating back to the Victorian era, offering high ceilings, full length sash windows and views over beautifully kept grounds. Security entryphone, kitchen, lounge, master bedroom with en-suite, bedroom two with en-suite bathroom, two allocated parking space & communal grounds. This property is offered for sale Chain-free.

t: 020 8281 0123 18

inhouse october/november 05

Loughton, Chigwell and Woodford CHIGWELL OFFICE 116 High Road, Chigwell, Essex, IG7 5BJ t: 020 8281 0123 f: 020 8281 0222 e: Our offices are closed on Sundays but to arrange viewings, you can call the following number: 07736 234422 between 10am-2pm



"Tower style design" offering beautiful high ceilings and a circular sitting room with domed ceiling and concealed lighting. Spiral staircase leading to all floors with further "Monks Staircase" being a stone spiral staircase and brick walls which date back to its earlier days. The property, which is lit up with lighting in the evening, makes this an ideal purchase for someone who is looking for something different. Fitted kitchen, cloakroom/WC, sitting room, dining room, master bedroom with en-suite bathroom, family bathroom, family shower room, cinema room, rear garden & double garage.

Five Bedroom 'New Build' residence situated in The Avenue, Repton Park designed and built by Crest Nicholson. The property offers many fine features and has been maintained to a very high standard throughout Property benefits include: Study, cloakroom/WC, lounge/dining room, kitchen/breakfast room, utility room, master bedroom with Ensuite bathroom, four further bedrooms, shower room, single garage, off-street parking.

CHAPEL MEWS £424,995 Situated on the prestigious Repton Park within it's own private gated area lies this Two Bedroom mews-style house. The property boasts a wealth of features including Amtico flooring, chrome handles and switches throughout, fitted kitchen/breakfast room, ground floor cloakroom and en-suite to master bedroom plus further main bathroom. The property has the added benefits of being chain free and is finished to the highest standard throughout. Lounge, detached single garage & allocated parking & guest parking.

ROSEBURY SQUARE £649,995 Four Bedroom Family Villa situated in Rosebury Square, Repton Park, occupying a corner position. Kitchen/breakfast room, utility room, cloakroom/WC, lounge, family bathroom, master bedroom with en-suite bathroom, second bedroom with en-suite shower room, single garage, off-street parking & landscaped rear garden.

WENTWORTH HOUSE £315,000 Two Bedroom, First Floor apartment benefitting from double bedrooms with the master having an en-suite shower room, kitchen with ample space for a dining table and two allocated parking spaces. This apartment is truly different from the normal and we would strongly recommend viewing at your earliest convenience. Security entryphone, lounge, family bathroom, kitchen/breakfast, master bedroom with en-suite shower room, allocated parking & communal grounds. october/november 05 inhouse


Residential Homes


£2000 pcm


Two bedroom, third floor apartment. Located in the prestigious development of Repton Park. The apartment benefits from two bathrooms and a modern fully fitted kitchen. Available either furnished of unfurnished.


Stunning three/four bedroom detached property boasting an outstanding conservatory as well as tasteful décor throughout. Located in the heart of Meridian Park, an area of incredible natural beauty.

Spacious four bedroom detached bungalow. Landscaped garden boasting a heated swimming pool. Fully fitted modern kitchen. Viewing highly recommended.

020 82810123

020 85025588


£1350 pcm

£2800 pcm


GAINSBOROUGH HOUSE, REPTON PARK £4000 pcm One of the most unique properties situated on Repton Park in this "Tower style design" offering beautiful high ceilings and a circular sitting room with domed ceiling and concealed lighting. We strongly advise an internal inspection.

ELY PLACE, WOODFORD GREEN £1350 pcm Superbly maintained four bedroom detached property. Furnished or unfurnished. Benefiting from two reception rooms and an ensuite to master bedroom. Quiet residential location. Easy access of West Hatch school.

020 8281 0123

020 82810123


£1000 pcm

020 85025588


£2000 pcm

Immaculate four bedroom barn conversion. Finished to an extremely high standard throughout and benefiting from en-suites, and gallaries to two bedrooms. Located in stunning rural grounds.

Three bedroom terraced house. Tastefully decorated and furnished throughout. Benefits includem a modern open plan kitchen/living area and a well maintained rear garden. This property is located within easy access of the Central Line.

Lawlors Property Services are delighted to offer this outstanding detached three double bedroom residence set in the heart of Buckhurst Hill. Secluded and enriched with character.

020 8502 5588

020 8502 5588

020 8506 0828 22

inhouse october/november 05

Loughton, Chigwell and Woodford LOUGHTON OFFICE



165 High Road, Loughton, Essex, IG10 4LF t: 020 8502 5588 f: 020 8502 5802 e:

116 High Road, Chigwell, Essex, IG7 5BJ t: 020 8281 0123 f: 020 8281 0222 e:

457 High Road, Woodford Green, Essex, IG8 0XE t: 020 8506 0828 f: 020 8506 9101 e:


£1300 pcm


£1625 pcm

Spacious Three bedroom semi-detached house. The property benefits from a stunning rural setting. Located within easy access to transport links and the amenities of both Loughton and Chigwell.

Splendid four bedroom detached residence situated within a private cul de sac. Spacious throughout, with ensuite to master bedroom. Internal inspection highly recommended.

020 8502 5588

020 8506 0828

GREAT WOODCOTE PARK, LOUGHTON £POA Exceptional detached residence located in an open cul de sac position on the popular Great Woodcote Park. Boasting especially high ceilings to the lower floor, an extensive audio system throughout and large swimming pool with glass retractable closure.


£675 pcm

A well maintained one bedroom first floor apartment, located in a beautiful converted period house. With original features the property is available either furnished or unfurnished. Located close to the amenities and shops of Woodford Bridge. 020 8281 0123

MONKHAMS AVENUE, WOODFORD GREEN £4000 pcm Delightful four/five bedroom detached family residence. The property has been thoughtfully and lovingly maintained by the current owners with no expense spared.. Externally there is a professionally landscaped rear garden and attached garage. 020 8506 0828

020 8502 5588


£2000 pcm

Immaculately presented four bedroom house. Tastefully decorated throughout and available on a furnished or unfurnished basis. Located on a quiet residential cul de sac. 020 8502 5588



A rare opportunity has arisen to rent this outstanding seven bedroom Mansion. Benefiting from a bar, swimming pool and conservatory and located amongst stunning grounds.


£1500 pcm

Spacious four bed bungalow with recently modernised kitchen. Located within easy access to Grange Hill station and shops. Recently redecorated. 020 82810123

020 8502 5588 october/november 05 inhouse





165 High Road, Loughton, Essex, IG10 4LF t: 020 8502 5588 f: 020 8502 5802 e:

116 High Road, Chigwell, Essex, IG7 5BJ t: 020 8281 0123 f: 020 8281 0222 e:

457 High Road, Woodford Green, Essex, IG8 0XE t: 020 8506 0828 f: 020 8506 9101 e:

w w w.


Inhouse Oct/Nov 2005 Edition  

Lawlors Property Services magazine for properties with a value up to £1,000,000. Featuring properties in Chigwell, Loughton, Buckhurst Hill,...

Read more
Read more
Similar to
Popular now
Just for you