Fisks Gateway issue 48

inside this issue

KYLIE JENNER IS TAKING OVER APPLYING FOR A MORTGAGE AND REPAIRING YOUR CREDIT TIPS FOR KEEPING YOUR HOME COOL PLUS ALL OF THIS MONTH’S PROPERTIES

THE PROPERTY & LIFESTYLE MAGAZINE BROUGHT TO YOU BY FISKS | ISSUE 48

Contents Kylie Jenner is taking over Kylie Jenner covers Forbes as youngest self-made billionaire.

Applying for a mortgage and repairing your credit Mortgages - scary and daunting but with this helpful guide you’ll never be confused again and with tips to repair your credit, buying a house just got a little bit easier.

Tips for keeping your home cool To make life more comfortable and sleeping a bit easier we’ve put together some tips for you to keep your homes cool without air conditioning.

Our properties Last, but certainly not least, you can find all of this month’s feature properties throughout the magazine. Enjoy!

© iceberg-digital.co.uk; Tel +44 (0) 1992 766 637; Web: www.iceberg-digital.co.uk This magazine is published by iceberg-digital.co.uk, hereinafter referred to as “the publisher”. The publisher retains the right to all ‘work’, hereinafter defined as such work is wholly the property of the publisher and may not be copied, quoted or reproduced in any form without the express written permission of the publisher. The views expressed in this magazine are not necessarily those of the publisher. While every effort is made to ensure the accuracy of this work, the publisher cannot be held responsible for any misfortune, injury or damages which may arise there from. The publisher reserves the right to revise or reject, in whole or in part, any advertisement or submission without notice and for any reason. All advertisers agree to release the representations of any advertisement herein, including, but not limited to any claim arising from any negligence and/or fault on the part of the publisher. The publisher is not responsible for the condition or for the performance of any services advertised in the magazine. All rights are reserved.

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Welcome to our

magazine...

Welcome to the August edition of our Gateway magazine.

To accompany our new properties the two articles this month are very topical. Hot off the Bank of England’s decision to raise the interest rate by 0.25%, the article on how to apply for a mortgage and preserve your credit is very timely. The mortgage market has changed over the years with 65% of all mortgages now fixed rate.

As these deals come to an end you should be taking the best advice to replace these fixed deals.

John Pring FNAEA (Honoured) & MARLA | Director

As this hot summer now appears to be going on and on, the article on how to keep cool is very apt. Presenting your property in the best possible way is very important. In this hot weather a good tip is to open all the windows and doors prior to the viewing so your home is as airy as possible.

The traditional upturn in the market when the children go back to school in September is eagerly anticipated. This is only a few weeks away and therefore now is the time to bring your home to the market if you are considering selling in 2018.

For an updated Sales or Lettings valuation, to see your property in our September Gateway magazine or for further advice, please contact your local Fisks branch.

fisks.co.uk

Meet our

Benfleet Team Our centrally located estate and letting agency branch offers a professional sales, lettings and property management service for Benfleet and the surrounding areas benefitting from ARLA and NAEA qualified staff.

THERE ARE A LOT OF ESTATE AGENTS BUT ONLY ONE FISKS “We gave our property to Fisks when we decided to move as Ian seemed the most professional of the three agents who we asked to value our property. Boy are we glad we did house sold to the first viewers in 36 hours from instructing Fisk’s. We were kept up to date with regular calls and nothing was too much trouble. Now we have moved Ian is collecting post from our old address for us and calling for us to collect from the office. Beyond the call of duty Great service thanks again Martin and Melanie Bagnall “

Located some 30 miles east of the City of London on the north bank of the Thames Estuary, Benfleet is primarily based around three historically separate settlements; South Benfleet, Thundersley and Hadleigh. which gradually merged during the 20th century. The residential areas are now said to have the highest proportion of owner occupancy in the country which speaks volumes for the quality of life here!

The mainland station in South Benfleet services the entire area and is the busiest commuting station on the Fenchurch Street C2C line.

AWARD WINNING

2016

Fisks 146 London Road, Benfleet Essex, SS7 5SQ T 01268 565555 F 01268 566291 E benfleet@fisks.co.uk

fisks.co.uk

LOCAL

HATLEY GARDENS, SS7 £280,000-£290,00 0 This semi-detached property offers a good sized lounge/diner, fitted kitchen and utility room to the ground floor.

On the first floor you have two double bedrooms and a refitted family bathroom. A huge bonus is the loft room on the second floor which is currently being used as an office. The garden is low maintenance and features two brick outbuildings. Energy Band – C.

CALL 01268 565555

WILKINSON DROP, HADLEIGH £210,000 This bright and airy modern apartment features a large open plan lounge/kitchen, luxury fourpiece bathroom suite and two good sized bedrooms with fitted wardrobes to the master. The property benefits from a secure intercom system and an allocated parking space. Energy Band – Awaiting.

CALL 01268 565555

ELOUNDA COURT, BENFLEET £575,000 Beautiful four bedroom detached home presented in immaculate condition throughout. Maintained to a very high standard, the property features a good sized dining room, utility room, modern fitted kitchen and a nice sized lounge.

Upstairs all the bedrooms are doubles, with the master having an en-suite shower, plus the family bathroom. Energy Band – D.

CALL 01268 565555

RUSHBOTTOM LANE, BENFLEET £319,995 Perfect for first time buyers or families wanting a property with good living space and a good garden size. This modern semidetached property offers a nice sized lounge, fitted kitchen/diner, three bedrooms and a rear garden approximately 110ft in length. Energy Band – Awaiting.

CALL 01268 565555

fisks.co.uk

MAYTREE WALK, BENFLEET £329,995 This lovely semi-detached house has been updated to a high standard and features a nice sized lounge, a large dining room/reception room and an extended fitted kitchen. On the first floor there is a spacious main bedroom with a dressing area, two further double bedrooms and a modernised family bathroom. Energy Band – Awaiting.

CALL 01268 565555

OSBORNE ROAD, BASILDON OIRO £280,000 This well-maintained and spacious contemporary end of terraced property is located close to Basildon town centre and benefits from a good sized lounge, fitted kitchen/diner, three bedrooms, and a separate toilet and bathroom. The rear garden is un-overlooked and is mainly laid to lawn with an access gate to the rear. Energy Band – Awaiting.

CALL 01268 565555

KYLIE JENNER IS TAKING OVER

Kylie Jenner is taking over Kylie Jenner Covers Forbes as Youngest Self-Made Billionaire4

Image credit: Tinseltown_shutterstock

“What her half-sister Kim Kardashian West did for booty, Jenner has done for full lips,” reads the magazine cover story.

Who says reality television stars can’t make it big? One is in the White House and another — Kylie Jenner — is set to become the youngest self-made billionaire in history at age 21.

At 20, Jenner has amassed $900 million by capitalizing on her family’s reality show (and the Kardashian-Jenner name, fame and fortune that comes with it) by developing her uber-successful makeup company Kylie Cosmetics, which first launched in 2015 and sold out in one minute.

Now on the cover of Forbes, the magazine proclaims, “What her half-sister Kim Kardashian West did for booty, Jenner has done for full lips.” She launched her lip kits two years ago and still owns 100 percent of the company, meaning Forbes is crowning her one of the top business moguls — perhaps made all the more impressive by the fact that she had her first daughter in February, Stormi Webster.

Jenner is the youngest person in Forbes’ annual ranking of America’s Richest Self-Made Women. Previous title holders of youngest self-made billionaire include Bill Gates and Mark Zuckerberg, placing Jenner among entrepreneurial royalty.

With matriarch Kris Jenner at the helm taking her 10 percent management cut from all children, the Kardashian family is often praised for their strategic marketing and publicity that turned a sex tape into a now billion-dollar family empire

Image credit: Sky Cinema_shutterstock

through Keeping Up With the Kardashians.

As the youngest sister, Kylie Jenner noticeably benefitted from her older sisters’ fame before her — without their 20 years in the spotlight, she likely wouldn’t have sold as many lip products in just three years. As pointed out by Forbes, both Kim and Kylie have turned scandal into a booming business; Jenner initially denied that she got lip fillers or surgery to give her the signature pout and only later revealed the fillers in 2015 at age 17.

On the idea of launching the company, she says: “I struggled for a minute with finding something to do on my own. Ever since I was in sixth grade, I would wear purple eye shadow.... I turned to makeup to help me feel more confident.”

The article admits Jenner has made it all by utilizing her following on social media: 110 million on Instagram and 25.6 million on Twitter (of the fam, only Kim has more Instagram followers than Kylie at 114 million). Jenner tells Forbes, “Social media is an amazing platform.… I have such easy access to my fans and my customers.

She turned to brick and mortar with pop-ups in New York, Los Angeles and San Francisco, and sees herself working on Kylie Cosmetics “forever.” The marketing maven also talks about planning a lipstick vending machine.

“Maybe one day [I’ll] pass this on to Stormi, if she’s into it,” Jenner says. It is the family business, after all n

Image credit: Sky Cinema_shutterstock

KYLIE JENNER IS TAKING OVER

Image credit: Sky Cinema_shutterstock

Meet our

Canvey Team Our office located at the heart of Canvey Town Centre offers a sales, lettings and property management service for Canvey Island and the surrounding areas and benefits from ARLA and NAEA qualified staff.

GREAT PROFESSIONAL YET FRIENDLY AGENT “Gemma North & the Fisks team were incredibly easy to work with .....even from 3000 miles away in Canada. .Gemma was always available, polite ,freindly & returned calls swiftly . .The whole transaction went smoothly with many excellent recommendations for other professionals ie solicitors, inspectors etc We would not hesitate to recommend or use Fisks in the future. Thank you so much for all your hard work !!!!�

AWARD WINNING

With excellent rail connections into the City from neighbouring Benfleet station, Canvey is today permanently connected to the mainland via two road bridges, offering fast access to the M25 and East Anglia via the A12 trunk road. However the island still manages to preserve an independent character and a vibrant community spirit all its own.

Thanks to development in recent years, Canvey offers a wide range of exceptionally reasonably-priced property, from first time buyer apartments to detached executive homes - many with stunning views across to the wooded Hadleigh Downs, and along the estuary towards Southend.

2016

Fisks 85 Furtherwick Road, Canvey Island, Essex, SS8 7AY T 01268 510510 F 01268 697126 E canvey@fisks.co.uk

fisks.co.uk

LOCAL

MEADOW VIEW WALK, CANVEY £249,995 This lovely three bedroom extended mid-terraced house is within walking distance to local schools and offers a 20ft newly fitted kitchen, separate dining room, downstairs cloakroom, paved rear garden and a detached garage. Energy Band – D.

CALL 01268 510510

MAY AVENUE, CANVEY £449,995 This stunning extended detached home is perfect for a big family. The property boasts a massive 20ft x 16ft lounge/diner extension, five double bedrooms, three bathrooms including an en-suite and a good sized rear garden with a barbecue area. Energy Band – Awaiting.

CALL 01268 510510

CHAMPLAIN AVENUE, CANVEY ISL £400,000 This beautifully presented four bedroom detached home has plenty of space for a large family. The property benefits from an 18ft master bedroom, 23ft kitchen and 15ft second bedroom, with two further reception rooms and an en-suite bathroom. The property is in a fantastic condition with a large garden and 13ft wide garage.

Energy Band – C.

CALL 01268 510510

WESTCLIFF GARDENS, SS8 £330,000 This lovely two bedroom detached bungalow features a well-proportioned lounge, a separate dining room, newly fitted kitchen and bathroom and an en-suite to master bedroom.

The rear garden is mainly laid to lawn and there is an attached garage. Energy Band – D.

CALL 01268 510510

fisks.co.uk

NEVADA ROAD, CANVEY £220,000 This charming detached bungalow has been wellmaintained and offers a living room, fitted kitchen, large double bedroom and a three piece bathroom. The property also boasts a beautifully maintained, west-facing garden which offers rear access to the attached garage. Energy Band – Awaiting.

CALL 01268 510510

FURTHERWICK ROAD, CANVEY £310,000 This stunning three bedroom semi-detached house has been refurbished to a high standard including new windows, flooring, radiator and a new boiler.

Internally the property offers a good sized lounge and a fitted kitchen/diner with patio doors opening out onto the rear garden. Energy Band – Awaiting.

CALL 01268 510510

APPLYING FOR A MORTGAGE AND REPAIRING YOUR CREDIT Mortgages - scary and daunting but with this helpful guide you’ll never be confused again and with tips to repair your credit, buying a house just got a little bit easier4

APPLYING FOR A MORTGAGE AND REPAIRING YOUR CREDIT

Image credit: Jirsak_shutterstock

APPLYING FOR A MORTGAGE AND REPAIRING YOUR CREDIT

Mortgage Lenders

Re-mortgaging

When you first apply for a mortgage, a mortgage

If you want to increase the size of your mortgage you

lender has to make sure that you can afford your monthly

will have to go through the affordability checks as

repayments. They will begin by adding up your income

above once more. You will then be given advice on

including any benefits and then take all your outgoings such

which mortgage product suits you best.

as bills, loans and credit cards into account in order to make sure that you have enough left over to cover the monthly

Repairing your credit

mortgage repayments.

Your credit rating is used to help lenders decide whether

They will also undertake a ‘stress test’, which decides

can borrow. A poor credit score can affect your ability

whether you would still be able to afford the mortgage if

to borrow money but there are a number of things you

interest rates were to rise or if your financial situation were to

can do to fix it.

change slightly. They will also run a credit report looking at your financial history.

or not to lend you money, its interest and how much you

Below are just some of the ways your credit score could be negatively affected:

Preparing your application Before you apply for a mortgage, it is important to contact some credit reference agencies and order your credit reports. You will also need various different documents for the application including:

- High levels of existing debt - Making late payments on any bills or loans - Applying for lots of credit at once. (If you want to compare rates, undertake a quotation search) - Opening credit cards that you never use

- The last 3 months payslips

- Not being on the electoral register

- A P60 from your employer

- Moving home a lot in a short space of time

- Bank statements of your current account and savings accounts for the last three months

It is advised that you check your credit report and fix

- Proof of benefits

any mistakes you see. You can also add a notice of

- If you’re self employed a statement of 2-3 years’ accounts

correction to your report if there is information that

from your accountant as well as a tax return form

doesn’t reflect your current situation. For example - if you

- Utility bills

lost your job and in turn got into debt but are now out of

- Passport or driving licence (to prove your identity)

that debt and working again.

It is extremely important to make sure all the details you

There are a number of things you can do to improve

provide are accurate and also provide details of the

your credit score, including:

address of the property, the estate agent and your solicitor.

- Stop applying for credit for the time being

Speak to an expert

- Get on the electoral register

Mortgages can be confusing and there are various different

- Cancel any unused credit cards

ones to compare. It’s important to speak to an expert so

- Pay any bills on time

you can choose the right mortgage for you. This could be a lenders’ advisor, mortgage broker or a financial advisor.

Avoid expensive credit repair companies - you can

Comparison websites are also a great starting point for

to do it.

anyone trying to find a mortgage perfect for them.

The total cost

repair your credit yourself so don’t pay someone else

The subject of mortgages and your credit score is scary and it’s the unknown that confuses people as well as the jargon used. However with this guide, we’ve shown

A mortgage lender or broker will work this out but it’s wise to

you that it doesn’t have to be this way and once you’ve

make sure they fully explain the charges and fees such as early

mastered mortgages, you’ll be well on your way to your

repayment penalties. Some mortgage brokers won’t charge for

dream property. If you would like some more advice,

advice and bank advisers will also give you advice for free.

then get in touch today n

All image credits: REDPIXEL.PL_shutterstock

Meet our

Docklands Team Located at South Quay, at the foot of the pedestrian bridge to Canary Wharf, our Docklands office offers sales, lettings and property management services for the Docklands and Royal Docks area benefitting from ARLA and NAEA qualified staff.

GOOD PROMT AND PROFESSIONAL SERVICE “Fisks have found 3 good tenants for me over 5 years, each time they handled the transaction with high professionalism, promptness and doing more than their job description to get the deal done. All details were accurate and checked thoroughly. Good team support.

Happy landlord, happy tenant. “

The London Docklands area has been transformed into one of the most exciting commercial and residential environments in the world.

Alongside the glittering office towers of Canary Wharf, a rich mix of developments, purpose-built luxury apartment blocks and warehouse conversions full of period character all making the maximum use of the spectacular waterside setting - have helped to make today’s Docklands the last word in sophisticated urban living.

Transport links with the City via the Docklands Light Railway and the West End via the Jubilee Line are first class.

AWARD WINNING

2016

Benfleet & Canvey

Canary Wharf, Docklands & Royal Docks

Fisks Docklands Suite 2 Parker House, Admirals Way, Marsh Wall, London, E14 9UQ T 0207 517 8810 F 0207 517 7902 E docklands@fisks.co.uk

fisks.co.uk

KINGFISHER HEIGHTS, E16 £485,000-£500,00 0 Leasehold - Furnished two bedroom, two bathroom apartment benefiting from a good sized balcony with westerly views to the river and Thames Barrier. Energy Band – Awaiting.

CALL 0207 517 8810

MILLHARBOUR, E14 £650,000 Leasehold - Two bedroom, two bathroom apartment featuring an open plan living area and two bathrooms. There is a good sized balcony accessed from the living room. Energy Band – Awaiting.

CALL 0207 517 8810

MILLHARBOUR, E14 £350 pw Lovely one bedroom, one bathroom flat featuring an open plan kitchen and separate dining room. The property comes furnished to high standard and is located close to South Quay DLR. Energy Band – C.

CALL 0207 517 8810

REGENTS GATEHOUSE, E14 £335 pw Two bedroom, one bathroom apartment located very close to Limehouse DLR. Internally the property offers a good sized living room and separate kitchen. Energy Band – B.

CALL 0207 517 8810

KINGFISHER HEIGHTS, E16 £355 pw Furnished two bedroom, two bathroom apartment benefiting from a good sized balcony with a westerly aspect to the river.

Conveniently located for Pontoon Dock DLR providing access to Canary Wharf.

Energy Band – Awaiting.

CALL 0207 517 8810

fisks.co.uk

WHARFSIDE POINT, E14 £385 pw Two bedroom, one bathroom apartment that comes available fully furnished. The apartment boasts a long balcony with south facing views of the O2 Dome and River Thames, an open plan fully fitted kitchen and an en-suite to the master bedroom.

Energy Band – D.

CALL 0207 517 8810

ABILITY PLACE, E14 £415 pw Tastefully furnished one bedroom apartment that has been recently refurbished. The kitchen is enhanced by a fully tiled splash back wall. Both the principal rooms benefit from views to the communal roof terrace. Energy Band – Awaiting.

CALL 0207 517 8810

NEW PROVIDENCE WHARF, E14 £375 pw Furnished one bedroom apartment presented in excellent condition benefiting from a separate kitchen, good sized living room providing access to a balcony with great views towards the river. Energy Band – Awaiting.

CALL 0207 517 8810

Image credit: Elena Veselova_shutterstock

Tips for keeping your home cool As the oppressive heat is expected to last throughout the summer and the Met office have put the UK on official heat wave alert, thoughts turn to how uncomfortable and dangerous heat can be for vulnerable people such as the elderly, young children and babies. To make life more comfortable and sleeping a bit easier we’ve put together some tips for you to keep your homes cool without air conditioning4

TIPS FOR KEEPING YOUR HOME COOL

TIPS FOR KEEPING YOUR HOME COOL

1. Keep your blinds/curtains closed – According to the handyman.com up to 30% of unwanted solar heat comes from your windows, so to avoid any heat coming in the best thing to do is to keep curtains closed.

2. Another good idea is to invest in some black out blinds/curtains. Not only do they aid you whilst sleeping as they will block out the early morning light but again, less heat will enter the room.

3. Using a fan and a large mixing bowl filled with ice will bring down the temperature in the room and create a misty breeze to cool the air. Place the bowl, at a tilted angle in front of the fan and allow the fan to blow down into the bowl and fill your room with lovely cool air. (Top tip : use a metal bowl if you can.)

4. Bring down the temperature in

the room and create a misty breeze to cool the air. Spray a sheet with cold water and use it to cover the window’s opening. As the breeze passes through, the cold and damp sheet will cool it bringing in chilled air and further helping to reduce the temperature in your home.

5. Change your bed sheets to a cotton set, as cotton is a more breathable fabric opposed to others.

This is the best choice for your bed sheets to keep you cool. The same can be said for your PJs. 6. Buy a “chillow”- these pillow can be easily purchased on Amazon and many other websites. They have a cool gel to keep your head cool whilst you sleep.

7. Make your own cool water bottle, using a “hot” water bottle, fill this with water and place in the freezer.

Once frozen, you can keep this at

the end of your bed by your feet to keep you cool.

8. Open your windows accordingly - Avoid allowing the heat and humidity inside the house during the day. Close the doors and windows during the day and open your windows in the evenings.

9. Avoid heat-generating activities such as baking in the oven or dishwashing during the day. Delay them for the evening. Try to use the grill if you have one or a BBQ. 10. Stay hydrated! This is really important! Try and remain hydrated all day and drink lots of water. Drink a big glass of water before you go to bed as this will make sure you are hydrated throughout the night.

We hope these tips can help you to stay cool, and enjoy the summer nights n

Image credit: PR Image Factory_shutterstock

2016

Benfleet Fisks Ltd 146 London Road Benfleet Essex, SS7 5SQ T: 01268 565555 F: 01268 566291 E: benfleet@fisks.co.uk

Why use Fisks?

Canvey Fisks Ltd 85 Furtherwick Road Canvey Island Essex, SS8 7AY

Members of NAEA (National Association of Estate Agents) and ARLA (Association of Residential Letting Agents).

T: 01268 510510 F: 01268 697126 E: canvey@fisks.co.uk

Audited clients account

Docklands Fisk Docklands Ltd Suite 2 Parker House Admirals Way Marsh Wall London, E14 9UQ

Free rent guarantee insurance with management plus Option to spread payments over the length of lease (subject to Terms of Business) Three levels of service offered: Let Only, Management and Management Plus

T: 0207 517 8810 F: 0207 517 7902 E: docklands@fisks.co.uk Head Office 146a London Road Benfleet Essex, SS7 5SQ T: 01268 750000 F: 01268 758921 E: office@fisks.co.uk Property Management: 0207 517 8811

fisks.co.uk

To experience our service, put us to the test! Contact your local branch at Benfleet, Canvey or Docklands