Issuu

SELLING A HOME DURING DIVORCE

A practical and emotional guide.

FROM RENTING TO BUYING

Are you ready to take the plunge?

CHOOSE THE BRAND, NOT JUST THE AGENT

Why branding matters.

Welcome to our

magazine

You may have noticed a fresh new look across our website and social media— and our magazine has received the same stylish update.

Branding is such an important part of any business, and ours is no exception. While our look may be new, our dedication to outstanding customer service and years of experience remains exactly the same.

In this issue, we’ll share advice on selling your home during a divorce, making the move from renting to buying, and why an agent’s branding matters when choosing who to work with.

We hope you love the new look as much as we do.

Enjoy!

John Pring FNAEA(Honoured) & MARLA | Director

SELLING A HOME DURING DIVORCE

A practical and emotional guide.

Divorce is rarely straightforward. Beyond the emotional toll, there are countless practical matters to sort out—finances, paperwork, and, for many couples, the question of what to do with the family home. Selling a property while navigating a divorce can be one of the most stressful parts of the process. It’s not just a financial transaction—it’s the end of a chapter filled with memories, both good and bad. Yet, with the right approach, it is possible to manage the sale smoothly and with minimal conflict. Here’s how to handle it with clarity, fairness, and a touch of grace...

AGREE ON THE PRACTICALITIES FIRST

Before you even contact an estate agent, both parties need to agree on the basics:

• Will you both sell the property, or will one person buy the other out?

• Who will stay in the home until it’s sold?

• How will the proceeds be divided?

If you’re struggling to communicate, a solicitor or mediator can help structure these discussions and ensure decisions are made fairly. Avoid making emotional choices in the heat of the moment—focus on the long-term financial picture.

SEEK PROFESSIONAL ADVICE EARLY

Selling during a divorce involves both legal and financial implications. It’s worth getting advice from:

• A family solicitor, to clarify ownership rights and ensure any agreement is legally binding.

• A financial adviser, to help plan what comes next—especially if you’ll be buying or renting separately.

• A reputable estate agent, who understands the sensitivity of the situation and can act neutrally.

If the home is in joint names, both parties will need to sign sale documents, so cooperation is essential—even if communication is strained.

While emotions can run high, presenting the home in its best light can help it sell faster and for a better price—benefitting both parties:

• Declutter and clean thoroughly.

• Repair any obvious issues (leaky taps, cracked tiles, peeling paint).

• If possible, stage the home neutrally so potential buyers can imagine themselves living there.

If working together is too difficult, agree on specific tasks and timelines, or appoint an agent to coordinate preparations on your behalf.

KEEP COMMUNICATION CIVIL AND FOCUSED

It’s easy for resentment to spill into the selling process—disputes about pricing, offers, or even who gets which piece of furniture. Try to keep conversations factual, brief, and focused on the goal: completing the sale fairly.

If direct contact isn’t productive, consider communicating through solicitors, estate agents, or a neutral third party. Avoid emotional arguments about “who deserves what”—the goal is closure and a fresh start.

MANAGE THE FINANCIAL SIDE WISELY

When the property sells, any remaining mortgage and legal fees must be settled before the proceeds are divided. The exact split will depend on how the property is owned—joint tenants (equal shares) or tenants in common (specific proportions).

If there’s equity left over, it’s usually distributed according to your financial settlement or court order. Your solicitor can ensure the transfer is handled correctly.

Keep all financial communication transparent—especially if one person is handling bills, mortgage payments, or sale costs during the process.

LOOK AHEAD, NOT BACK

Letting go of a shared home is rarely easy—it represents more than bricks and mortar. It’s the place where memories were made and lives intertwined. But selling can also symbolise a clean break and a step towards stability and independence.

Once the sale is complete, give yourself time to process the emotional side before rushing into new housing decisions. Whether you’re renting for a while or buying again, think carefully about what you truly want for your next chapter.

Meet the team...

John Pring Director

Penny Ash Property Manager

Leanne Wright Administration Manager

Ryan Stanton Area Manager

Emma Jarrett Property Consultant

Mia Zetter Administrator & Sales Progressor

Harriet Plampton Sales & Lettings Consultant

Kimberley Cook Property Management Administrator

Tina Webster Management Accountant

We cover the whole of South Essex. Contact us for a free valuation on 01268 565555

Melissa Yates Property Consultant

OUR VISION & STRATEGY

The residential estate agency market is increasingly populated by large corporations; nevertheless, our independent familyrun estate agency continues to succeed and grow a loyal client base, due to our core values, ethos and flexible approach to clients’ requirements.

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FROM RENTING TO BUYING

Are you ready to take the plunge?

For many people in the UK, home ownership is one of life’s biggest milestones. It symbolises stability, independence, and—if house prices keep climbing—a sound financial investment. But with rising living costs, high interest rates, and an unpredictable housing market, knowing when to make the leap from renting to buying can be tricky. So, how do you know when it’s the right time to trade your landlord for a mortgage lender? Here’s what to consider before you take the plunge...

YOU’RE FINANCIALLY READY

The most obvious sign you’re ready to buy is having your finances in good shape. This means more than just saving for a deposit. Ask yourself:

• Do you have a reliable income and job stability? Mortgage lenders prefer borrowers who can show consistent earnings.

• Have you saved enough for a deposit? In the UK, this is typically between 5–20% of the property’s value. A larger deposit often means better mortgage rates.

• Can you cover additional costs? Beyond the deposit, you’ll need to budget for stamp duty, solicitor’s fees, survey costs, moving expenses, and possibly furnishings or renovations.

If you can handle those without draining your emergency fund, you may be ready to take the next step.

YOU’RE READY TO SETTLE DOWN (AT LEAST FOR A WHILE)

Buying a home makes the most sense if you plan to stay put for a few years. Property values can fluctuate, and buying and selling too quickly can eat into your profits once you factor in legal and moving costs.

A general rule of thumb: if you plan to live in one place for at least five years, buying can work out better financially than renting—especially if house prices and rent continue to rise.

If your career, relationship, or lifestyle is still in flux, renting may offer the flexibility you need without long-term commitment.

THE LOCAL MARKET WORKS IN YOUR FAVOUR

Before you get carried away with ideas, take some time to research the housing market in your chosen area and talk to a local estate agent.

In some areas, mortgage repayments can actually be cheaper than rent— particularly if you have a decent deposit. In others, prices may be inflated, making it wiser to wait until the market cools or your savings grow. Keep an eye on: average house prices in your area, interest rate trends, rental yields (if you’re considering buy-to-let), upcoming local developments, which could increase property values.

Speaking to a local estate agent or mortgage adviser can help you understand whether buying now makes financial sense—or if renting a bit longer would serve you better.

YOU WANT MORE CONTROL OVER YOUR SPACE

Renting has its perks—no repair bills, easier relocation—but it also comes with restrictions. No matter how long you stay, the property will never truly be yours.

If you’re craving the freedom to redecorate, own a pet, or build equity with every monthly payment, buying can be incredibly satisfying. Owning your home gives you stability and control—something no landlord’s notice period can take away.

YOU’VE CONSIDERED THE RISKS AND RESPONSIBILITIES

Home ownership isn’t just about paying the mortgage. It also means maintaining the property, dealing with repairs, and shouldering financial responsibility when things go wrong. Ask yourself honestly: Could I afford repairs or emergencies if the boiler broke or the roof leaked? Would I still manage if interest rates rose or my income changed? If those questions make you nervous, it might be best to keep saving and renting a little longer while you build financial resilience.

YOUR FUTURE GOALS ALIGN WITH BUYING

Finally, think about your broader life plans. Buying a home can be a great move if you’re: ready to put down roots in a specific area, thinking about starting a family, looking for long-term financial stability. However, if you’re planning to travel, change jobs, or relocate frequently, renting may still be the smarter, more flexible option.

OUR FINAL THOUGHTS

There’s no single “perfect” time to move from renting to buying—only the time that’s right for you. It depends on your finances, lifestyle, and goals. If you’ve built up savings, found a place you love, and feel ready for the commitment, buying can be a rewarding step towards long-term stability. But if you’re not quite there yet, don’t rush it. Renting isn’t failure—it’s a stage that gives you freedom and time to prepare for home ownership on your own terms. When the time is right, you’ll know—and your new set of house keys will feel all the sweeter for it.

Why use FISKS?

The industry has changed hugely with the development of digital technology - this has created two different styles of agency, the traditional high street agency, and the modern online agency. At Fisks, we believe that the best solution is to be both.

Fisks still do the traditional marketing methods that you are comfortable with, such as high street shop locations with window displays, applicant mailing lists, text and email facilities, linked offices, portals such as Rightmove, leaflet drops, floor plans, boards and branded cars.

These marketing tools have been tried and tested for many years, but with the ongoing digital revolution we have also embraced change. These new marketing methods come in the form of a digital property lifestyle magazine that’s produced in house and emailed to over eight thousand people a month, targeted social media campaigns across all the major platforms such as Facebook, Instagram and Twitter, 4k video tours of your property for our successful YouTube channel, enhanced portal marketing, and from a customer service point of view, we have vendor log-ins so you can see viewers feedback and offers on your home at any time.

Our Ethos & Values

We focus on our clients’ requirements and instructions rather than just doing what’s quickest and easiest for us.

Our comprehensive training program ensures that our staff channels their entrepreneurial spirit and enthusiasm for the benefit of our clients, whilst maintaining the professionalism and customer service associated with our brand.

Fisks,

Landlords: Protect your investment with our full property management and marketing...

Protecting your investment should not be taken lightly, with our full management service you can be sure to get the support you deserve...

ARLA - the gold standard professional industry body.

Audited and insured client accounts to protect your money.

Rent guarantee and legal cover - protect yourself with insurance and the increased costs of evicting (subject to status).

Legal hotline - specialised property lawyers helping to answer your questions.

Inventories - protect your deposit with a professional inventory, including time stamped photographs.

Inspection - allay your fears that your asset is being looked after.

Section notices - fully trained and experienced staff can advise and serve the appropriate notice.

Accurate accounting - from monthly statements to overseas landlords, to expenditure and income, we hold all the information the accountant will need.

Gas certificates and EPCs - keep your property complying with the law.

Don’t just take our word for it, we have many happy customers...

“Happy customer. Very professional service. We had no problems with the sale of our house or the purchase of our new home through Fisks. Staff very pleasant, would definitely recommend.”

- Mr and Mrs Hall

“Fantastic team that pulled out all the stops and helped every step of the way. Friendly pleasant staff.”

- Mrs S Sheavyn

... come and put us to the test!

CHOOSE THE BRAND, NOT JUST THE AGENT

Why branding matters.

When selling a property, many vendors focus on fees, valuation figures, and marketing strategies — yet one of the most telling indicators of an estate agent’s professionalism is often overlooked: their brand. An agent’s branding is more than just a logo or colour scheme; it’s a reflection of their values, service quality, and approach to the property market. Understanding the importance of branding can help vendors make a more informed choice when selecting who to trust with their home sale...

BRANDING BUILDS TRUST AND CREDIBILITY

Selling a property is a major financial and emotional decision, and trust plays a crucial role in choosing the right agent. A strong, consistent brand conveys reliability and professionalism. From the appearance of the office and signage to the design of marketing materials and online presence, cohesive branding suggests that the agency takes its business — and its clients — seriously. For vendors, this attention to detail can indicate how carefully the agent will handle the sale of their property.

A STRONG BRAND REFLECTS PROFESSIONAL STANDARDS

An estate agent’s brand is often a direct reflection of the standards they uphold. A professional, polished brand identity suggests an organised and proactive agency. In contrast, inconsistent or outdated branding may raise concerns about how effectively the agent presents properties or communicates with buyers. When an estate agent’s own marketing looks sharp, clear, and engaging, it’s reasonable to expect the same quality in the way they promote your home.

STANDING OUT IN A COMPETITIVE MARKET

The property market is highly competitive, with many agents offering similar services. Strong branding helps an agency stand out by highlighting its unique qualities — whether that’s expert local knowledge, a focus on premium properties, or exceptional customer care. For vendors, a distinctive brand makes it easier to identify which agents align with their goals and target audience. A well-positioned brand is also more likely to attract motivated buyers, which can benefit your sale.

THE ROLE OF BRANDING IN MARKETING AND EXPOSURE

A consistent and recognisable brand enhances an estate agent’s marketing reach. Whether through social media, online listings, print materials, or local sponsorships, an agent with strong branding achieves greater visibility and recognition. For vendors, this means increased exposure for their property. Buyers are naturally drawn to agencies they recognise and trust, and that familiarity can translate into more viewings and stronger offers.

BRANDING CREATES CONFIDENCE AND REASSURANCE

Selling a home can be stressful, and confidence in your chosen estate agent is vital. A strong, reputable brand provides reassurance that the agency is established, reliable, and experienced. It also reflects a commitment to consistency — a key quality for vendors who expect clear communication and dependable service throughout the selling process.

OUR FINAL THOUGHTS

For any vendor, branding should be an important consideration when choosing an estate agent. It offers valuable insight into the agency’s professionalism, reputation, and marketing capabilities. A well-branded estate agent demonstrates attention to detail, builds trust from the outset, and presents your property to the market with confidence and care. In an industry where perception and presentation make all the difference, selecting an agent with a strong, consistent brand is a smart step towards a successful sale.