R AL E
Homes with their own courts, P26
C AP om LO P E TY M .c TH ER O R se OP F PR ou th ha w
EDITION AUGUST 7 2015
Anyone for tennis?
For the the latest latest on on the the property For property market market
@What_House @What_House
Dream move Stepping up
W
housing housing associations associations 35 35 WITH OUR AWARD WINNING LETTINGS SERVICE WE HELP THOUSANDS OF LANDLORDS LET THEIR PROPERTIES SUCCESSFULLY EVERY YEAR
ith average on the remaining share to the housing these types of mortgages. Some ith average on the remaining share to the housing these types of mortgages. Some first-time buyer association, who then in effect become providers will allow you to borrow first-time buyer association, who then in effect become providers will allow you to borrow deposits soaring your landlord. As and when you’re up to 95%, meaning you only need a deposits yourtolandlord. you’re up to 95%, meaning you only need a to over 30% soaring of the able afford it,Asyouand canwhen take steps 5% deposit to secure the next slice of to over 30% of the able to afford it, you can take steps ownership. 5% depositSpeak to secure next slice of property value, to buy additional shares until you own to antheindependent property value, to buy additional shares until you own ownership. Speak to an independent affordable house purchase schemes 100% of your home. This is known mortgage advisor to find out what affordable house purchase schemes as100% of your home. This is known options mortgage have rocketed in popularity. staircasing. you advisor have. to find out what have rocketed in popularity. as staircasing. options you have. owner, although For example Help to Buy has helped As an outright For example Help to Buy has helped As an outright although Do all housing associations offer over 88,000 buyers, and over 40,000 you no longer needowner, to pay any Do all housing associations offer you no longer need to pay any over 88,000 over 40,000 people have buyers, taken and advantage of staircasing? rent on the property, it is worth noting people have taken advantage of staircasing? rent on the property, it is worth noting solutions, such as Most housing associations will as leaseholder of an apartment, you’re landlords and tenants and it’salternative fabulous tohousing be alternative housing solutions, such as as leaseholder of an apartment, you’re Most housing associations will shared allow their tenants to staircase still required to pay management able to build the business and guideownership. it in a new shared still required pay rent, management allow their tenants to staircase The ownership. G15, a collaboration of up charges, such as to ground as the to three times, until you reach direction.” The G15, a collaboration of charges, such as ground rent, asthe the up toownership. three times, until asyou reach housing association will remain London’s largest housing associations, 100% As well owning Keeley is just one of manyincluding new franchise London’s largest housing associations, housing association will remain the 100% ownership. As well as owning Genesis, collectively manages more of your home, staircasing freeholders of the land. If you’ve including Genesis, affordable collectively manages freeholders of the land. If you’ve owners for Belvoir who have been a410,000 successful more means of your home, staircasing over homes also the amount of rent bought a house, the freehold can over 410,000 affordable homes a house, freehold can lettings agency with an award winning service for also pay means the amount rent bebought and build 10,000 more annually, you transferred to youthe upon reaching decreases, so it canof help and buildhow 10,000 more be transferred to you upon reaching you up pay more decreases, so it can help illustrating popular theseannually, options free nearly two decades. of your disposable 100% ownership. illustrating popularownership these options free up Asmore disposable 100% ownership. are Shared in income. Offices across the UK such as becoming. the onehow Keeley the of rentyour is affordable • Be given the best advice -make no one knows more are becoming. Shared ownership in What would I need to do when I income. the rent is affordable particular has both short-term and from the Asstart, it should runs in Basildon, are individually owned by local Whatto would I need to do when I particular benefi has both short-term and about come sell my shared ownership your local property market than Belvoir! from the start, it should make long-term ts for those who want it easier to save money towards people, which the company believe ensures the come to sell my shared ownership long-term benefi ts for those who want home? it hot easier to save- no money to get on the property ladder but are • Be property one towards finds you more reliable further staircasing. best combination of knowledge andon marketing home? to get theraise property ladder are further staircasing. struggling to a deposit or but secure When you want to sell the property, than Belvoir! effectiveness, such as the franchisee’s familiarity tomortgage. raise a deposit or secure tenants When want to you sellown the through property, astruggling traditional Will staircasing cost me? you can you sell the share • Be a Belvoir Landlord a traditional mortgage. with the local schools and facilities; knowing the Will staircasing cost me?- no one has youhappier can sell the share you or own through your housing association, if you’ve Purchasing further shares works much How does shared landlords than Belvoir! your housing association, or sell if you’ve better areas to live in and why some houses are ownership staircased up to 100%, you can it in Purchasing further shares works much like a typical house purchase, with How does shared ownership work? staircased to 100%, you can it in more attractive to locals whilst others will attract on the openup market, through an sell estate like a typical house purchase, with valuations required for each ‘step’, work? on the open market, through an estate agent of your choice. When you sell newcomers to an area. valuations forneed eachto ‘step’, Providing you meet the criteria and you willrequired of course pay agent of your choice.percentage When youyou sell home, the greater Providing you ownership meet the schemes criteria the and legal you will course to pay your “I always felt strongly supported by the (see P32), shared fees,of and anyneed mortgage your home, the greater percentage you (see shared schemes the iflegal fees, and mortgage aP32), great way ownership to get onto the fees, applicable, too. any On the plus own, the more profit you will make if staff and the management atare Belvoir’s Central own, theofmore t you make if value yourprofi home has will increased, are a with great wayandto you get may onto find the side, fees, you’ll if applicable, too.toOnpay the any plus the property ladder not need Office and have good relationships them, the value of your home has increased, so there’s a benefi t to staircasing in property ladder and you may fi nd side, you’ll not need to pay any can buy a bigger so the decision to become a you franchisee once the home than you Stamp Duty on staircasing up to 80% getting benefit back to staircasing morea equity when youin you canotherwise buy a bigger Stamp Duty 80% so there’s would have home been than able you to ownership if on thestaircasing value is up lesstothan possibility arose was an easywould one,” Keeley says.have been able to ownership if the value is less than sell getting up. more equity back when you otherwise afford, especially with the opportunity £125,000. www.belvoirlettings.com “I couldn’t wait to be part ofof a network. I would sell up. afford, especially with the opportunity £125,000. staircasing. How you fund the purchase recommend anyone looking of into a Lettings email: staircasing. How you shares fund is the purchase When you first buy a new home basildon@belvoirlettings.com of additional up to you, Franchisee role to contact Belvoir’s head office When you firstinbuy a new home of additional shares up through to you, through shared ownership, you although typically this isisdone Tel: 01268 411110 / 01702 334466 / 01708 730077 through ashared you aalthough typically is donebuilding through Find out more at www.genesisha.org.uk; purchase share ofownership, the property, Grantham, they’ve been fantastic.” mortgage lenderthis – most Find out4000 more at www.genesisha.org.uk; purchasebetween a share of the property, 3000 BelvoirBasildon a mortgage lenderstreet – BelvoirBasildon most typically 25-75%, paying rent societies and high banksbuilding offer 033 Keeley adds: “I am very enthusiastc about typically between 25-75%, paying rent societies and high street banks offer 033 3000 4000 growing Belvoir Basildon and its future.”
Moving house needn’t be a nightmare makeexplains your move with Belvoir. Made Tony Harker Harker of ofjust Genesis how shared Tony Genesis explains how shared speak to Belvoirto Basildon’s new ownership can caninbe beEssex the perfect platform ownership the perfect platform to Franchisee and director Keeley Taylor become a fully-fl edged owner-occupier
become a fully-fledged owner-occupier With 16 years of lettings industry experience, and five years working for Belvoir, 30-year old Keeley Taylor was the perfect candidate to take over as franchisee of the Belvoir Lettings Franchise in Basildon. She is now director of Belvoir Basildon which covers the territories of Basildon, Romford and Southend-on-Sea. Her loyalty to the Belvoir brand and love for all things lettings meant that she elected to take over the business when the franchise became available. “It really felt like the right step for me when I was offered the chance to become the Franchisee,” she explains, “having worked at the office in Basildon since 2006 (primarily when it was known as ‘Let it Be and then as part of Belvoir when it was bought out by them in 2010). The company initially started nine years ago and it was just the director and me at that time. We had no properties and strived to create and grow a client-base. Since then the business has grown tremendously.” Keeley’s contacts have held her in good stead. “I’ve worked at the office for so long so I have some great relationships with the existing
COMING SOON COMING SOON
London London has has been been our our home home for for over over 150 150 years. years. Make Make itit yours. yours.
St John’s Way SW11 St John’s Way SW11 A new way of life is emerging Ainnew way ofoflife is emerging the heart Battersea in the heart of Battersea 1, 2 & 3 bed apartments 1, and2 &3 &3 bed 4 bedapartments triplexes and 3 & 4 bed triplexes Prices coming soon Prices coming soon
Call to register: 020 3369 8728 Call to register: 020 3369 8728
peabodysales.co.uk peabodysales.co.uk
AREA FOCUS WWW.WHATHOUSE.COM | 21
Managing director: Daniel Hill Editorial director: Rupert Bates Editor: Keith Osborne ko@whathouse.com Assistant editor: Stephen Maunder sm@whathouse.com Designer: Peter Rogers peter@39zero.co.uk Contributors: Tilly Rubens, Fiona Brandhorst, Nick Parkhouse, Richenda Oldham Sales director: Adrian Talbot at@globespanmedia.com Sales manager: Murad Paloda mp@whathouse.com Property supplement published by: What House Digital Limited, 291-299 Borough High Street, London SE1 1JG; 020 7940 1070 info@globespanmedia.com www.whathouse.com Printed by 39zero © 2015 What House Digital Limited om .c se ou th ha w
L R CA PE LO PA E TY TH ER OM OP FR PR
EDITION AUGUST 7 2015
Anyone for tennis? Homes with their own courts, P26
Cover picture: North End Place in Felsted from Knight Frank, £2.5million, 01279 213340 What House? @What_House
Beyond the sea
F
igures released recently by the Office of National Statistics showed that Southend is one of East Anglia’s leading property hotspots, based on price rises between 1995 and 2014. The average value of a home went up an amazing 334% during that time, putting it behind only Cambridge and St Albans in the region. In recent years, the town has started to emerge from the doldrums, part of a nationwide trend that has seen some longneglected seaside towns start to benefit from regeneration and investment. As prices in London have risen beyond the means of many Londoners and commuters, so areas within a reasonable time of the capital have become more attractive. Southend’s two commuter rail routes, together with a brace of arterial roads heading westwards to the M25 and beyond, have naturally brought in people squeezed out of living nearer London. In contrast to Basildon, Southend doesn’t currently have major sites of redevelopment, so new homes tend to pop up on smaller sites around the town, often disused “brownfield” sites whose new use will usually bring up property values in the surrounding area. There are plans afoot for some major works to take place and regenerate some larger sites, however. Construction firm Randall Watts has bought two former offices in Victoria Avenue, Heath House and Carby House,
Developers are looking beyond the promenade as they bring new homes to Southend-on-Sea
Holy Trinity Church, Takeley (courtesy of Wikimedia Commons) and plans to convert them into a mixed-use scheme with commercial units and around 280flats, complete with a rooftop garden, concierge service, and gym, within the next couple of years. Mark Watts, managing director of Randall Watts, is looking forward to the challenge of transforming these “eyesore” buidings: “We are going to put on an external skin, which is like the sort of thing you see in London. The...site, which will now be known as Beaumont Court and Richmond House, is an extremely exciting scheme for us, upon which we have been working closely with the council to ensure the development adds
to what will be a cosmopolitan and vibrant new neighbourhood in Southend.” Down on the seafront, adjacent to the famous, listed Kursaal building, another mixed-use development, called Marine Plaza, was recently given the green light by Southend council and will transform what is currently a car park into new restaurants, cafés and 282 brand new homes, of which 35% are to be affordable. Formed mostly of apartments, this scheme will give most residents extensive views of the Thames Estuary along the river and over to Kent. The reinvention of the county’s most famous resort continues.
WHATHOUSE? PICKS... Roberts View (Blackshaw Homes)
Ekco Park (Bellway Homes) Launching this month is this development of one-, two-, three- and four-bedroom homes of contemporary design in Prittlewell, on the northern fringes of the town. These new homes will be on the doorstep of much-loved Priory Park, a great place to take the kids, walk the dog or go for a healthy jog. They’ll also be well located for access to the town centre shopping and the seafront. Around the corner are Southend High School for Boys, Westcliff High School for Girls, the hospital and the adult community college at Chase High School. Guide prices are expected to start from £150,000 for a onebedroom apartment, and £245,000 for a two-bedroom house. Find out more at www.bellway.co.uk
This two-bedroom apartment on Camper Road, between Eastern Esplanade and Southchurch Park, is on the top floor of a low-rise block and has sea views. With a guide price of between £260,000 and £280,000, the property has an open-plan kitchen/living/dining room and trifold doors out to a large balcony. The high-gloss which kitchen, with black worktops, has a range of appliances built in. The front bedroom also has a balcony, while the rear bedroom has built-in wardrobes. This apartment has a video entry system and keyless secure underground parking, and there is lift access from the ground floor. Find out more at www.bellway.co.uk; 01268 412132
Centenary Park (McCarthy & Stone) Like many other seaside towns, Southend is popular with older buyers and retirees and this purpose-built development from the UK’s leading retirement property specialist developer is providing some much needed homes tailored to this audience. Launching this weekend (on Saturday 6 August), these apartments on Southchurch Boulevard have a stunning modern exterior and an equally impressive interior specification, with plenty of little touches to make life for older residents as convenient as possible. One-bedroom apartments will range from £214,950 to £279,950 at the launch, while the larger two-bedroom flats start at £267,950, rising to £349,950. Find out more at www.mccarthyandstone.co.uk; 0800 201 4811
For something cool and refreshing this summer‌
EN OP
SE U HO
Warley
GUIDE PRICE £450,000
OPEN HOUSE SATURDAY 8TH AUGUST BY APPOINTMENT Available for the first time in over 50 years. In need of modernisation, this three bedroom terraced family home, lays in one of Brentwood’s more sought after locations. Local schooling, playing fields, country park and mainline station are all within close proximity, making this a fantastic opportunity for the next owner.
IN HA C D AR W ON O N
Hutton
£695,000 £375,000
SEMI DETACHED BUNGALOW IN CUL DE SAC LOCATION Situated in a quiet cul de sac is this lovely two bedroom semi-detached bungalow available with vacant possession. Surrounded by well maintained gardens the property boasts delightful views from the rear and offers a great degree of seclusion. Viewing is advised.
EN D AR G R EA R ’ 66
Toot Hill
GUIDE PRICE £440,000 - £470,000
3 BED CHALET BUNGALOW WITH MATURE GARDENS SITUATED AT THE END OF A PRIVATE ROAD Situated at the end of a private road is this three bedroom chalet bungalow, set 30’ back from the road and with an attached garage with own driveway. The property is complimented by mature gardens measuring approximately 66’ in length, and offers great scope for further extension, subject to planning permission.
G IN W VIE
D ISE V AD
Hook End
£695,000- £750,000 GUIDE PRICE £725,000
ATTRACTIVE GEORIGAN STYLE 5 BED DETACHED HOUSE WITH VIEWS ACROSS OPEN COUNTRYSIDE An attractive Georgian style, five bedroom detached house which has been extensively refurbished and extended including open plan kitchen / breakfast room, underfloor heating, superb lounge / diner, two en-suites and an additional family bathroom. The property enjoys country views to the front and viewing is highly recommended.
N PE O
E US HO
Brentwood
DE L CU
GUIDE PRICE £300,000
OPEN HOUSE SATURDAY 8TH AUGUST 2 - 3 PM NO APPOINTMENT NECESSARY
25 ST JAMES’ ROAD, BRENTWOOD, CM14 4LH -In need of refurbishment, this two double bedroom end terrace property, is located within just a few minutes walk of Brentwood Mainline Station. Offering deceptively spacious accommodation by way of 23’2 x 13’2 sitting room, kitchen/breakfast room, ground floor shower room, in addition to a 9’9 x 6’7 first floor shower room.
E TH
IES ER L AL G
Warley
GROUND FLOOR APARTMENT WITH ITS OWN COURTYARD
Kavanagh Court forms part of the award winning Galleries Development, itself set within stunning manicured gardens. This particular ground floor two bedroom apartment offers its own small courtyard area to the front and delightful views of the gardens to the rear. Internally is the perfect blend of old meets new, from its arched ceilings to its modern fully fitted kitchen. Viewing is strongly advised.
G IN W VIE
ED VIS D A
Kelvedon Hatch
Brentwood
With views over greensward and set back from the street, stands this three bedroom end terrace family home, needing a degree of modernisation. The Broad Walk North is a pleasant cul-de-sac, located within a short distance of local amenities and within reach of St Martins School.
S ED B LE UB DO
Kelvedon Hatch
ATTRACTIVE 4 BED DETACHED FAMILY HOME WITH AN UNOVERLOOKED 100’ GARDEN
We are delighted to offer this handsome architecturally designed 4 bed detached house which has been well maintained throughout & offers a delightful un-overlooked 100’ rear garden. Spacious & well planned with excellent potential for further extension into a large 33’ loft area, which is currently boarded (STPP). Close to open countryside & yet still within easy walking distance of local shops, schools & bus routes.
GUIDE PRICE £280,000 - £300,000
OPEN HOUSE SATURDAY 8TH AUGUST BETWEEN 1.00PM - 2.00PM - BY APPOINTMENT ONLY
This two double bedroomed mid terrace house in the village of Kelvedon Hatch, close to local shop and amenities has been extended to the rear of the property, creating a second 14’5 x 10’ reception room. The property has been maintained in good order throughout and a viewing is advised.
VE UTI XE EC
£659,995
£285,000
A THREE BEDROOM HOUSE REQUIRING MODERNISATION
O TW
£395,000
C SA
USE HO E L STY
Doddinghurst
£575,000
A 4 BED DETACHED HOUSE SITUATED IN AN ESTABLISHED TREE LINED TURNING
Constructed in a beautiful yellow stock brick is this four double bedroomed executive style house, situated in an established tree-lined turning close to the centre of Doddinghurst, with two reception rooms, kitchen / breakfast room and utility room. The master bedroom has its own en-suite in addition to the main family luxury bathroom. The property has extensive off street parking plus a double length integral garage.
26 | WWW.WHATHOUSE.COM HOMES WITH TENNIS COURTS
The Vinery, Kelvedon, £1.195million This charming four double bedroom, five reception room former vinery once served nearby Felix Hall. Situated in around 4.5 acres, the house is approached via a private gated sweeping drive and is on the rural outskirts of Kelvedon village. A brick-built stable block and tack room sit within the gardens adjacent to the all-important tennis court. Agent: Beresfords 01245 807265
Sets appeal Game, set and match – Fiona Brandhorst finds five ace homes which come complete with tennis courts Meadow Rise, Ongar
North End Place, Felsted, £2.5million The delightful Georgian North End Place benefits from beautifully proportioned interiors that enjoy magnificent views over the formal garden and beyond. The fivebedroom, three-bathroom country house has three receptions rooms and a stunning bespoke kitchen/breakfast room. The extensively manicured gardens include a white rose-filled courtyard adjoining the house. Outbuildings include a gym, adjacent to the swimming pool, changing rooms and an all-weather tennis court. Agent: Knight Frank 01279 213340
Meadow Rise, Ongar, £1.1million This attractive detached cottage has four bedrooms, including an en suite to the master, three reception rooms and a farmhouse-style kitchen with Aga. The grounds extend to just over one-and-a-quarter acres incorporating a tennis court, an impressive detached barn and games room. Meadow Rise is situated down a country lane within two miles of Toot Hill Golf Club. Agent: Hetheringtons 01992 827063
North End Place, Felsted
The Vinery, Kelvedon
Hill Farm, Dunmow
Don John’s Farm, Earls Colne,
Don John’s Farm, Earls Colne, £2.75million An immaculate Grade II listed 16th-century country house set in about 14 acres, Don John’s Farm has seven en suite bedrooms and three reception rooms as well as a separate one-bedroom cottage and a range of outbuildings. Far-reaching views are enjoyed over the Bourne Brook Valley and the house offers numerous leisure pursuits including a swimming pool and AstroTurf tennis court. Agent: Savills 01245 293233
Hill Farm, Dunmow, £1.59million Hill Farm dates back to the 18th century, providing versatile accommodation in a semirural setting with a wealth of period features including wood panelling in the reception hall and dining room and exposed beams throughout. There are six bedrooms and four reception areas with a galleried drawing room and inglenook fireplace. The Clive Christian kitchen/breakfast room boasts an Aga and meat or game room. Set in mature gardens and land of nine acres, there is a gym complex, swimming pool and tennis court set on either side of the property. Agent: Fine & Country 01279 757500
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 H82 02/14
H82_What House? advert_v1.indd 1
19/02/2014 12:15
Carter’s Quay, Poole
Creating new communities across the South
Inland Homes are currently regenerating areas across the South providing quality homes with an emphasis on design and sustainability. Visit our fabulous range of Showhomes to discover more.
Charterhouse Mews, Chelmsford
DEVELOPMENTS INCLUDE: Carter’s Quay, Poole 1 & 2 bedroom apartments and 2, 3 & 4 bedroom houses Vista, Drayton Garden Village, West Drayton 2, 3 & 4 bedroom houses St John’s, Chelmsford 2 & 4 bedroom houses
Alexandra Gardens, Iver 2, 3 & 4 bedroom houses Park House, Loudwater Studio & 1 bedroom apartments
Charterhouse Mews, Chelmsford 1 & 2 bedroom apartments and 2 bedroom houses
The Comptons,Wooburn Green
Vista, Drayton Garden Village
For further details call 01494 762 450 or email sales@inlandhomes.co.uk Showhome open at this development
COMING SOON: The Comptons, Wooburn Green 1 & 2 bedroom apartments and 3 bedroom houses
Please check website for current availability. Computer generated illustrations are indicative only and subject to change.
St John’s, Chelmsford
www.inlandhomes.co.uk
SECRET ESSEX WWW.WHATHOUSE.COM | 29
SECRET ESSEX
Party animals form an orderly queue
D
o you hanker after an
Quids-in commuting from Essex
orchard, outdoor pizza oven or hot tub? Well, according
A one-hour commute to Colchester can knock
to estate agent Strutt & Parker’s latest survey, having a walled garden came top of the wish list for outdoor
thousands of pounds off the average price of a house according to new research from Lloyds Bank. As soon as buyers head away from London where the average price for a property in Zones
creature comforts with 21% of respondents
1 and 2 is £722,000, property
saying they would like to have one in their dream home. Surprisingly, a water feature
is far more affordable. The average price in Colchester
or fountain was the least popular with only 2.2% of people wanting to hear the calming
is around £272,000 and even
tinkle of water. Closer to home, those living in East Anglia sound a healthy bunch, with a
of travel, it would take a commuter 91 years for the
vegetable or kitchen garden the most wished for. However, Londoners and homeowners in
total rail costs to wipe out the difference in average house
the South East dream of entertaining in the
prices. Billericay and Basildon
sun and would place outdoor seating areas or entertainment space as their most desired outside attribute. Seems like we just want to
taking into account the cost
Jammy house hunters
house viewings or even good starting points for investigating our many towns and
Tiptree is Essex’s world-
villages. Anyone partial to a cream tea on
were also mentioned in the
famous jam capital and its network of seven tea rooms
the hunt for a new home may get to taste the “Little Scarlet” strawberry jam. Tiptree is
report as cost-saving commuter
strategically positioned
one of the few places in the world where this
towns.
across the county make the perfect stop-off between
flavoursome strawberry is grown and used fresh from the fields in the delicious jam.
have fun!
Now on Sale:
an exciting range of 2, 3, 4 and 5 bedroom homes in Brierley Hill. Choose from 10 different designs! Artisan’s Walk is 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 technology, all the homes at Artisan’s Walk will be economic to run. The careful design and well thought out interiors will make them practical and comfortable to live in too.
Ask about our launch incentives 2, 3, 4 & 5 bedroom homes from £155,000
Showhome open daily 10.00am - 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
SO YOU WANT A HOME WWW.WHATHOUSE.COM | 31
So you want a home... to commute from, costing under £150,000 Fiona Brandhorst takes close look at three Essex properties priced below £150,000, ideal for first-time buyers commuting in London When in Romford... This one-bedroom, second-floor apartment is located right at the heart of Romford town centre and a few minutes’ walk from the mainline railway station, making it an ideal first-time-buy for city workers. Not only that, but it’s been newly refurbished so there’s nothing to do except move in and start enjoying the first rung of the ladder! The property has a security entrance phone in the internal entrance hall that leads to the spacious living room with a doubleglazed box-bay window to the front. Doors off lead to the separate kitchen, bathroom and bedroom. The well-fitted kitchen has a range of wall and floor units, integrated oven, hob and fridge-freezer and wood-effect vinyl flooring. The double bedroom has fitted wardrobes and the bathroom is fully tiled with an electric shower unit over the bath. Outside there are communal gardens, electric pedestrian gates and an electric gated secure car park. Fast trains from Romford to London Liverpool Street take just 27 minutes.
Price: £140,000 Selling agent: haart 01708 730599
Coming in from the Col... Conveniently located within walking distance to Colchester town centre, shops and station is this traditional mid-terrace cottagestyle house on Butt Road. Set in a street of similar properties, and handily next to the real ale pub the Fat Cat, the house features a living room to the front and a spacious kitchen-breakfast room to the rear with built in double oven and space for a fridge/freezer and washing machine. On the first floor are two double bedrooms and a family bathroom with electric shower over the bath. The property has uPVC double glazed windows and gas central heating. To the front there is a gate with a few steps up and to the rear there is an enclosed garden with small patio and lawned area. Fast trains from Colchester to London Liverpool Street take around 53 minutes.
Price: £149,995 Selling agent: Beresfords 01206 808791
Comfortable Shoe First-time buyer commuters will love stepping off the train knowing that there’s only a short walk to this well-presented 1930s onebedroom flat and then straight onto the beach at Shoeburyness! Located on the first-floor via its own front door, this apartment has a light spacious living/dining room to the front with feature bay window and the original stained-glass upper panels. The doublebedroom overlooks the rear garden and has ample room for double wardrobes either side of the chimney breast. The good-sized kitchen has smart white floor and wall units, attractive splashback tiling and a wall-mounted boiler with space allocated for free-standing appliances. There is also a shower room with an independent tiled shower cubicle and integrated shower unit. There’s off-street parking for one vehicle to the front and the property has its own rear garden, complete with a timber shed, accessed via a side gate. Fast trains from Shoeburyness to Fenchurch Street take just over an hour.
Price: £120,000 Selling agent: Hunt Roche 01702 290900
Show homE opEn
wEEkEndS only from
march 7th-29th between
11am-3pm
prices from £610,000
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. ‘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: A range of contemporary and traditional kitchens Stoves Richmond 900EI Stainless Steel Range Cooker* Stainless Steel Cooker Hood Integrated Neff appliances Integrated Prima wine cooler Utility rooms (not applicable to plot 3) come with either a washer/dryer or washing machine and tumble dryer Bathroom and En-Suites have contemporary bathrooms with Ideal Standard Sanitaryware and are fully tiled with Porcelanosa tiles
Floors are finished with Porcelanosa floor tiles to Kitchen, Utility, Bathroom, En-suite, Cloakrooms and Carpets to all other areas* Oak panelled internal doors with pewter finished door handles Built in wardrobes to most bedrooms – please refer to sales layouts – with oak panelled doors and pewter finished door handles Air Source Heating, offering reduced running costs, with under floor heating to all ground floor areas and radiators to upper floor rooms with 5 year service and warranty package.
*Where possible we will be able to offer buyers variations and choices on the internal finishes, although the availability of this will depend upon the stage of construction that each property has reached when a reservation is made. For full specification details please see the brochure.
Tel : 01923 251799 Email: sales@leavalleyhomes.co.uk www.leavalleyhomes.co.uk
INTERIORSWWW.WHATHOUSE.COM WWW.WHATHOUSE.COM| |33 33 INTERIORS 28 | WWW.WHATHOUSE.COM NEW HOMES
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floor includes a stylish contemporary kitchen with a convenient separate utility room, lounge with French doors leading to the rear garden, study and dining room off the kitchen. The first floor has three double bedrooms,
including the master bedroom with its ‘mustD&D’s essential guide to have’ dressing area with built-in wardrobes some of today’s most stylish and en suite. Two further double bedrooms – or Buyers are giving the thumbs up to Arcadia a family bathroom are found on the chair designs Food preparation has never been so much fun and so fast – thanks to the latest mixers and blenders. top floor with far reaching views from the the new Bloor Homes development in Discover&Deliver (www.discoverdeliver.com ) picturesque attic-style windows. Richenda Oldham getsdesigned a slice the EJ5 Corona Chair designed by Poul M Volther, made by Lehnstuhl by Nigelof Coates, made action by GTV. Laindon on the outskirts of Basildon is a luxury lifestyle boutique dedicated to Erik Jørgensen. Prices start‘The from £2,703. Prices start from £1,371. Priced at £499,995, Willerby’ comes
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nding and researching the most beautiful, n the doorstep of the local beautyfispot Langdon The kMix from Kenwood makes baking a piece of cake with Hills Country Park, with its panoramic views over interesting and sought-after furniture, its 4.6 litre bowl and special fold function. It even stopsthe Thames Estuary and across to London, lighting &more accessories, as seen in global automatically when the head is than half of the homes at Arcadiadesign are already sold, destinations. lifted, £399.99, www.amara.com
with a sought-after double garage plus an impressive six parking spaces – ideal for families with teenage drivers and ample room for when friends and family visit. ‘The Osterley’, a three-bedroom detached house priced at £307,995 will be available soon closely followed by two three-bedroom semi-detached homes, ‘The Studland’ and
with new releases just announced. Founders Isabel Rutland and Stephanie Families, retirees and young professionals arereviewing the best-designed Mähl began by Sleek and glossy is the being wooed by the select range of just 98 three-, best way describe hotels andto restaurants around the world, the Bugatti Vela Food four- and five-bedroom character many homes with by prize-winning architects and blender. It features a
landscaped gardens and plenty of parking. four-speed control and leading interior designers. pulse function that is Laindon station, with trains to Fenchurch Street every 15 minutes, perfectcall for blending They it their “voyage of pure anything is a major plus for commuters and retail therapy is on hand atfrom soups discovery”, uncovering furniture, lighting and shakes to cocktails Basildon’s popular Eastgate Shopping Centre, just a 10-minute drive smoothies, £170, andand design-objects by the most skilled of www.redcandy.co.uk away. Southend-on-Sea is only a short drive away and golf clubs craftsmen. and a range of sporting amenities are also close by, so keeping fit is TheHalyard RussellChair Hobbs 14012 Flag designed Here, Isabel and Stephanie pick five sleek ‘Essentials’ is an a simple to PP usefor new residents. bydefinitely Hans J Wegner, made by option lightweight juginblender with a Møbler, as seen Hotel Fasano chairs whose designers have revolutionised The latest release useful pulse function to help at Arcadia is ‘The Willerby’, a five-bedroom São Paulo. Prices start from world villa, of product design. “These pieces you break down big chunks of £5,542. double-fronted detached home reminiscent of a primethe London food, £19.99, www.argos.co.uk Allset prices excludethree VAT and across floors. delivery from Discover&Deliver.
areon one ofground the things that makes mankind Spacious living accommodation the magnificent!” they say...
‘The Chastleton’ townhouse. Specifications for all homes at Arcadia are high with a choice of kitchen units, worktops and tiling for those buyers reserving early in the construction stages. Arcadia is open daily from 10.00am to 5.00pm,
Diz Chair designed by Sérgio Rodrigues made by Findupout more precision, at a nostalgic by 21st-century then the LinBrasil, as seen in Hotel Fasano Rio deFor Janeiro. Priceslook that is backed Acapulco Chairshown designed Design, aswhich seen in the www.bloorhomes.com BLF01PBEU is a Fifties-style retro model, herebyinOK pastel blue, start from £2,383. W Barcelona. Prices start from £315. has four speeds and three preset www.smeg.com 01268programmes,£146.37, 857834
Electrolux Group:
Industry Leaders in Household Durables for eight consecutive years.
Electrolux is the only company in the Household Durables category to qualify for Dow Jones Sustainability Indices World, and has been included in DJSI every year since the index was launched in 1999. For more information, go to www.sustainability-indices.com
‘‘
Sustainability is an integral part of the Electrolux Group’s strategy, and we are therefore especially proud to have achieved the highest score of the Household Durables category for our efforts in the environmental area.
‘‘
Electrolux has retained its position as Industry Leader in the Household Durables category for the eighth consecutive year in the latest Dow Jones Sustainability Indices.
Henrik Sundström
Head of Sustainability Affairs at Electrolux.
01252 356000 your property, our business
Ethical Leasehold Management – leading the way in leasehold property management Ethical Leasehold Management – leading the way in leasehold property management
Why choose ELM Group? • Higher sales & rental values achieved with our outstanding property management service • We advise & assist with RTM & self-enfranchisement setup for our clients • We offer bespoke leasehold property management to our clients • Advisory head-lease setup service for developers
• ELM Group are regulated by the Financial Conduct Authority and the Homes & Communities Agency • Two months FREE property management fees on a minimum fixed one year contract We are proud to present our partner for sales & lettings in the South East of England www.elmgroup.org.uk enquiries@elmgroup.org.uk
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RETIREMENT WWW.WHATHOUSE.COM | 35
What kind of properties can buyers expect from Churchill Retirement and who is eligible to buy one? We pride ourselves on building beautiful, quality, purposebuilt one- and two-bedroom retirement apartments in desirable locations across the UK for people aged 60 and over, who are looking for an independent lifestyle. What's the advantage of a Churchill home over an ordinary new-build? Our developments are specifically designed to meet the needs of active, independent retired people. Apartments have spacious rooms throughout, with a combination of design and functionality. Our fully fitted, stylish kitchens include a built-in fridge and freezer, hob and an oven, all located at an easy-reach height. All of the properties benefit from illuminated light switches for added convenience. Owners also enjoy ultimate peace of mind from a fitted camera entry system, offering the highest level of security, and a 24hour emergency call system. We also offer a range of communal facilities for owners, such as the owners’ lounge, which hosts regular social events, and a guest suite for when friends and family visit. We also have wellbeing suites on selected developments and new to 2015 are coffee bars and fitness rooms. A huge difference to an ordinary new-build is that all our retirement developments benefit from a lodge manager, who is there to provide support for owners and run the building on their behalf, acting as a good neighbour. What sort of people do your developments attract? When downsizing into one of our properties, people often want to stay in the area they’ve lived for many years. However, we also see people moving areas, perhaps to be closer to their families or to be near the sea in their retirement years. Location is really crucial in our business to ensure we’re providing customers with everything they need, right on their doorstep. We won’t build developments more than a reasonable level walk from a town centre with a good range of facilities and services. It's often a long process for someone to leave a cherished family home later in life - what do you find are the main concerns of older buyers? Leaving a family home is never an easy decision but for many of our buyers, removing the hassle and stress involved with maintaining a larger, older property is a huge relief. I often hear owners say they wished they’d made the move years ago and how moving to a Churchill development has given them a whole new lease of life. The idea of selling a home and going through the buying process again is the main concern for many older buyers, but we offer a number of packages to help make it a stressfree move and our highly trained consultants are on hand to guide them through every step of the process. Are there ways in which you can help buyers sell an existing home and make the move smoothly? Our ‘Selling Made Easy’ service takes away the stresses and strains associated with selling a property. We deal with estate agents on the purchasers’ behalf to help ensure that the property is being well marketed and viewings are being arranged to secure a sale as quickly as possible, at a good market price. We also offer significant sums toward estate agents’ fees and panel solicitors’ fees. In addition we can help pay for standard home removals, including packing and unwrapping.
Home from home
Whathouse.com speaks exclusively to Greg Hilton, regional managing director (Eastern) of Churchill Retirement Living, to talk about the benefits of a brand new home on a purposebuilt development for older buyers Alternatively, our Home Exchange service provides a simple and effective alternative to selling on the open market. It means homeowners can move into their new property far faster, and takes away the hassle of selling an existing property. What do you think the appeal of Essex is, as a place to live, and particularly the locations you're currently selling in? Essex has always been a popular place to seek that more relaxing way of life. It offers a rich tapestry of everything that makes Britain great – which makes it an excellent place to live. The county has an abundance of picturesque towns and villages such as Saffron Walden and Waltham Abbey, all with their own individual history and character. The coast is terrific, with something for everyone and there are a whole host of places to visit and things to do, from spectacular old houses and gardens such as Audley End, to country parks and nature reserves. The larger towns such as Chelmsford also offer fantastic amenities with great shopping and leisure facilities on your doorstep. Quality of life is especially important later in life - what does a Churchill development offer in this respect? A great deal of thought, research and planning goes into selecting the location of every development. We ensure our retirement properties are built in central locations within easy access of public transport links, shops, local facilities and essential services, all reducing the need to travel by car. Alongside this, other benefits include companionship and a community which reduces isolation, loneliness and depression. Our apartments help to maintain an independent lifestyle and heath and general wellbeing. The safety and security features we have as standard also reduce anxieties and worries experienced by many elderly people. What are your current schemes in Essex and what others are in the pipeline? We currently have three selling developments, King Henry Lodge in Chingford, Saffron Lodge in Saffron Walden and King Harold Lodge in Waltham Abbey. King Henry Lodge in Chingford has just one apartment remaining and Saffron
Lodge launched last year and is already over 70% sold, with a wonderful, lively community now well established there. We’ve just welcomed our first owners at King Harold Lodge, which is a new development of 28 apartments in the lovely market town of Waltham Abbey. Construction work has also just started on a new development of 55 one- and two-bedroom apartments on New London Road in Chelmsford. We’re hoping to release the first homes for sale here in April 2016. We have exciting plans to increase our presence in Essex, with contracts recently exchanged on a development site 200 yards from Hornchurch High Street and further land purchases to come on the Essex coast. We have a big growth phase planned in the Eastern region, so watch this space as Churchill will be increasingly active in the years to come.
Churchill in Essex
Saffron Lodge, Saffron Walden Saffron Lodge is a development of 31 one- and two-bedroom apartments situated in the picturesque town of Saffron Walden. The development is over 70% sold with one-bedroom apartments available priced from £255,940. (01799 282 635) King Harold Lodge, Waltham Abbey King Harold Lodge is located on Broomstick Hall Road in the popular market town of Waltham Abbey. The development offers 28 purpose-built apartments with one-bedroom apartments available from £244,950 and two-bedroom apartments priced from £348,950. (0800 458 1847) For more information on either development, visit the show complexes, which are open daily from 10.00am to 5.00pm, or find out more at www.churchillretirement.co.uk.
ELEGANCE & ARTISTRY CR AF TED RESIDENCES IN HISTORIC SMITHFIELD, EC1 PRICES FROM £815,000* 020 7726 8995 | BARTSSQUARE.COM
*Price correct at time of going to press. Computer generated image of Barts Square.
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27/05/2015 17:55
38 | WWW.WHATHOUSE.COM NEW HOMES
King’s peach S
Time is running out to buy a highquality new Redrow home in Lexden
ince its official launch in
everything in between,” she says. “They
January, sales have been brisk at Redrow’s King’s Park, a
all recognise that the development offers a winning combination of high-specification
development of 31 homes in
homes in a sought-after village location with
the village of Lexden, just west of Colchester. Now, just seven
good local amenities and strong commuter links. These factors have helped make King’s
of 20% of the property price. This means a lower initial payment and then lower
Redrow’s Mastermove option means they’ll work with local agents to find a buyer for you
homes remain for sale – five houses and two
Park a success and now that availability
monthly mortgage payments, as the loan is
– and pay their fees, so you won’t have to.
apartments – so opportunities to buy a peach
is limited we’re encouraging would-be
interest-free for five years.
of a home at the site are now limited. With prices ranging from £278,995 to
homeowners to contact us without delay.” With everything from a two-bedroom
For homeowners struggling to sell their existing property – or simply wanting
“Whether you’re an aspiring first time buyer or a homeowner looking to move up
£674,995, there’s plenty of variety, however, which is bound to interest a diverse range of
apartment to three- and four-bedroom homes available, there are also two crucial
to avoid the hassle of selling on the open market – a part exchange might be the
dream move a reality,” adds Jenkins. The show homes and sales office at King’s
buyers, says Kerry Jenkins, sales director
assistance schemes on offer from Redrow.
answer. With this, the housebuilder makes
Park are open from 10.00am to 5.30pm,
The Help to Buy scheme is open to all
on offer based on an independent valuation,
Thursday to Monday.
for Redrow Homes (Eastern).
the property ladder we can help make your
“King’s Park continues to attract a good mix of purchasers ranging from first-time
buyers on properties under £600,000, offering the chance to buy with a 5% deposit
which if accepted, eliminates a buying chain and allows you to stay in your old home
Find out more at http://whathou.se/NoUIhJ
buyers to growing families, downsizers and
thanks to a government-backed equity loan
until your new one is ready. Alternatively,
01206 430241
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NEW HOMES WWW.WHATHOUSE.COM RETIREMENT WWW.WHATHOUSE.COM | 39| 39
M H
arlow is & not renowned for its cCarthy Stone, Britain’s leading specialist developer stunning architecture, but of private homes for retirees, is national housebuilder Linden employing a team oftrying no fewer Homes is certainly to than 26 that localwith construction change the ultraworkers as it shapes new development modernitsdesigns of its new of apartments on Raglan Road, Frinton-on-Sea. homes at Edge, which are currently for sale Victoria Gardens, bring 14 new on the eastern fringewhich of thewill town. brand new flats has for over-60s to the resort, is The company an established using the expertise ofUK many local reputation across the – and it contractors. is A fine summer has seen strong progress currently the WhatHouse? Sustainable at the site, which expected its first Developer of theisYear – andtoitwelcome is residents in early spring 2016. strengthening its esteem in Essex with this Michael Hall, site manager at McCarthy collection of two-, three- and four-bedroom and Stone’s North London region, believes homes on the Newhall development. that local talent is a vital factor in achieving The latest phase is no less eye-catching the companies ambitious expansion plans than the earlier designs, with a range of for the coming years. four-bedroom homes currently available that “The sheer importance and value of local blend elements of traditional homes with workforces simply cannot be underestimated contemporary finishes that blend in well when it comes to housebuilding,” says with their neighbours. Hall. “I’m proud to have been able to recruit Among them is ‘The Moore’, a 1,254 sq a team of full- and part-time employees ft, four-bedroom detached home with a from the local area for Victoria Gardens spacious, open-plan kitchen/dining area to in Frinton, and we are actively recruiting the rear and a separate living atthe the skilled tradesmen in the local room area as front. Upstairs, the master bedroom has site progresses, including carpenters, an en suite bathroom and its own balcony. The electricians and plumbers, to name a few. house is finished with a steeply pitched “Each and every one of the employees,roof. Prices for construction ‘The Moore’ start atlaying £412,950. from the teams bricks, ‘The Hirst’ is another detached design, to the sales teams in the office, plays an with four double bedrooms and total and active role in turning the McCarthy accommodation ofa1,528 sq ft. Priced from Stone vision into reality.” £474,950, this house type makes full use of
On the Edge Helping hands
Some striking new homes are taking shape on the outskirts of Harlow
Local talent is creating new retirement property in Frinton-on-Sea
Residents also get the benefits of communal facilities such as some delightful landscaped gardens and a club lounge, which acts as the social hub of the entire scheme, where neighbours can meet each other, and friends and family. There’s also a concierge, who can help residents with errands and ensure the smooth running of the development. Elaine Stratford, sales and marketing director for McCarthy and Stone North
The sheer importance and value of local workforces simply cannot be underestimated when it comes to housebuilding London region, adds: “As the only housebuilder to have achieved the coveted Housebuilding Federation’s (HBF) five
star status for the tenth year in a row – a customer satisfaction award which is scored want to leave Edge. It’s that sort of place. independently by our own customers – we Once you move here, you don’t want to leave. are confident that by investing in high oven, a fridge/freezer and a dishwasher; the quality We hope that by adding some unexpectedly local talent and skilled tradesmen, Roca bathrooms and en suites are stylish as we traditional styles to ourstunning selection of will continue to deliver well as practical. contemporary homes, we will appeal to an developments which other developers Karen Roake is the sales and marketing caneven broader audience.” hold up as an example of the kind of director at Linden Homes Eastern. She You can visit the sales and marketing accommodation that our older generations says: “Edge has become a small and friendly suite at Edge every day from 10.00am to and fully-fitted kitchens with integrated truly deserve.” community in its own right. It’s so popular 5.00pm (or 4.00pm on Friday). appliances. Each property also has a number Find out more at families that several have www.mccarthyandstone.co.uk ofwith emergency call points. Thehouseholds properties are
the extra space with a an open-plan kitchen and dining room leading through double doors to the living room. There is also a separate study. On the first floor, there are four generous double bedrooms, with an en suite to theapartments master bedroom Theand newbalcony two-bedroom come at the front. from the company’s Platinum Range, where of these has newbeen homes comes with a theEach specification raised to include fully fitted kitchen with integrated kitchen movedjust within the development because they 0800 Find more at www.lindenhomes.co.uk; underfloor heating, oak-veneered doors located moments from Frinton’s seafront. 201out 4811 appliances include a washer/dryer, a hob and wanted more room to expand, but didn’t 0844 644 9562
VIRIDIUM Camberley, Surrey Luxury collection of 1,2 & 3 bedroom apartments.
JUST 5% DEPOSIT* Prices from £285,000
• Award winning development 2015 FTB awards • Gated entrance with parking • Stunning spacious apartments with Balcony or terrace
To book an appointment call: 01276 66693
• Carpets included • Luxury fully fitted kitchens and bathrooms • Help to Buy available *Available with Help to Buy subject to terms and conditions
HODSON
DE VELOPMENTS
T
MORTGAGES WWW.WHATHOUSE.COM
he Financial Ombudsman (FOS) has launched a stinging attack on lenders, accusing them of a 'box ticking' approach which 'rarely leads to a fair outcome for customers wanting to port their existing mortgage deals. In its latest news update, the FOS has criticised lenders for making decisions based on inflexible processes rather than looking at what is in the best interests of customers. It argues that the new Mortgage Market Review rules, implemented in April 2014, do not mean that lenders should not take a borrower’s individual circumstances into account when making their decision. The FOS reported that in terms of mortgages, there were 3,338 new complaints from April to June 2015, compared to 3,467 for the previous three months with 32% of these upheld. “Over the last few years we’ve continued to receive high numbers of complaints about mortgages,” reads the document, adding that “a disappointing proportion” of these involved administrative or communication errors which could have been sorted out without their involvement. Since April 2014, tighter mortgage rules have led to more complaints that lenders are applying the rules too rigidly – in some cases leading to outcomes that are unfair on customers. “In particular, many of the complaints we’ve seen about ‘porting’ – transferring
Ombudsman hits out at lenders for ‘box-ticking’ approach to borrowers Inflexible processes being adopted by banks and building societies are leading to unfair decisions for some borrowers, says Nick Parkhouse
a mortgage to another property – stem from the way lenders are applying the new rules,” says the FOS update. “For example, we hear from people who’d previously been
told they could port their mortgage – but who have since been told that new lending requirements mean they can’t.” Shortly after the new rules came into force
in the spring of 2014, FT Adviser reported that many home movers were being forced to pay thousands of pounds in early repayment charges because of their current lender 'over-interpreting' the regulations and refusing to let them 'port' their mortgage. However, changes to the original drafting of the rules in 2012 meant that lenders were not required to test affordability for existing borrowers who wanted to port their mortgage without increasing the size of their outstanding loan. As well as complaints about the way lenders interpret the new rules, the FOS has also said that many of the complaints they receive may be rooted in something more serious. “For example, complaints about the suitability of interest-only mortgages tend to arise towards the end of a mortgage term; when someone recognises they don’t have a way of repaying the capital.” Mortgages remain the third most complained about financial product, behind Payment Protection Insurance (PPI) and current accounts.
Found a house you love? We’ll find you the perfect mortgage to match. We specialise in all types of mortgages including: • New Home purchases • First time buyers • Remortgaging • House Moves
• Self employed • Landlords • Buy to Let • Specialised bespoke options
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’re open for business, whatever the climate.
For the last 40 years, through all market conditions, we’ve consistently lent to residential property developers. So if you’re looking for funds, you won’t find a more experienced, flexible and reliable business partner. To find out how we can help your development, please call Close Brothers Property Finance on 020 7655 3655 or visit closepropertyfinance.com
I
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