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Phoenix Property Magazine June 2012 Free

Inside this issue…

Local area spotlight: Walsoken. Financial Advice: Benefits of secured loans. Legal Advice: Legal Aid – challenging times ahead. Lettings Advice: Buying property to let. Legal Advice: The writings on the party wall. Insurance advice: Coversure update. PLUS: Full property listings. Cover photo: Orchards & church spire at Walsoken

206 Bridge Road, Sutton Bridge, Spalding, Lincolnshire, PE12 9SG Tel: 01406 359131 Fax: 01406 359939 Email: phoenixea@btconnect.com Open: Monday to Friday 9am – 6pm. Saturday 9am – 4pm. Closed: Sundays & Bank Holidays


LOCAL AREA INFORMATION: Walsoken By Jaimie Rice, Phoenix Estate Agents

Walsoken is a village attached to the Kings Lynn Side of Wisbech with parts being classed as either Cambridgeshire or Norfolk. The village offers good access to the A47 which bypasses Walsoken on it’s border. The village is bordered by apple orchards - popular with dog walkers. The name Walsoken is thought to originate from the Old English meaning the district under particular jurisdiction by the wall, which refers to the villages proximity to a Roman sea wall or defence. Walsoken was established by the time of the Norman Conquest. The villages population, land ownership and productive resources were detailed in its entry in the Domesday Book of 1085. In the great book, Walsoken is recorded by the name Walsocam. The parish was held by the Benedictine Order based at Ramsey Abbey before and after 1066. The survey also records the presence of a fishery. Archaeological evidence has found that much of the land of Walsoken of preRoman occupation was completely submerged beneath the Iron Age silts. As such, very little early prehistoric archaeology has been recorded. It is thought that some dry land existed within the parish in the Bronze Age as several artefacts from that time period were uncovered in the 19th century. There has been a lot more archaeological evidence found to attest to Roman occupation in the parish, including A dispersed hoard of 300 to 400 Roman coins, mostly of Postumus, but including examples minted by Gallienus and Hostilian which were found via metal detecting in the 1980s. All Saints' Church in Walsoken is a Grade 1 Listed Building dating back to 1146, which is a particular feature at the hearth of the village, especially so by how the spire is lit at night & can be seen for some distance even out on the A47 bypass. The Church consists of a nave with south & north aisles, chancel with south & north chapels, south porch. The church is crowned by a prominent west tower with 4 turrets and a spire which dates from the medieval period. The Seven Sacrament font is over 400 years old. One child baptised at this font grew up to be arch bishop of Canterbury. He was the Rector's boy, Thomas Herring, who became Archbishop in 1747. The churches' bell tower has 6 bells made by Thomas Osborn in Downham Market in 1795. The church has it’s own website: www.allsaintswalsoken.co.uk The village has a mini High Street offering a range of amenities to include the Blackbear public house with restaurant, village hall, post office & general stores, nursery schools, butchers, Boots pharmacy, fish and chip shops, chinese take way, kebab shop, hairdressers, bookmakers, and on the outskirts also has 2 aquatic centres, MOT centre, Worzel`s farm shop, garden centre and café, Bambers garden centre, tea rooms, mini aviation museum, craft shop etc. The village pub the Blackbear offers a restaurant and is very popular especially on Sundays for carvery. The Wisbech Town football club stadium & clubhouse is situated on the outskirts of the village. There is an hourly town circular bus service into Wisbech town centre which gives access to a wider range of shops and facilities plus further transport links to nearby towns & villages. Historic info taken from Wikipedia


MAIN ROAD, FRIDAY BRIDGE £60,000 Building Plot on the outskirts of the popular village of Friday Bridge. Full planning permission for a 3 bed detached house, Plot measures approx. 37ft/11.2m frontage x 59ft/17.9m depth (sts). Field views front & rear. No upward chain.

TAVERNERS MEWS, LONG SUTTON £65,000 Modern (2006) 2 Bedroom terraced house available on a 50% shared ownership scheme, situated convenient for town centre amenities benefiting from kitchen/diner, downstairs cloakroom, upvc double glazing, gas central heating, allocated parking space, enclosed rear garden & no upward chain.

GARNERS WHARF, SUTTON BRIDGE £74,500 Ground floor leasehold flat in a converted Victorian granary convenient for local amenities & nearby River Nene. 2 bedrooms, open plan kitchen/diner & lounge, bathroom, allocated parking space, electric heating & double glazing. Internal viewing essential!

KIRK ROAD, WALPOLE ST ANDREW £74,950

QUEEN STREET, SUTTON BRIDGE £78,000

2 Bedroom terraced cottage benefiting from lounge/diner, downstairs bathroom & upstairs cloakroom, rear hall/utility, upvc double glazing, oil central heating and courtyard garden area plus approx. 90ft long further main garden area. No upward chain. View now!

Victorian terraced house requiring some further cosmetic updating, 2 double bedrooms, lounge/diner, rear lobby/utility, refitted white bathroom suite, gas central heating, part UPVC double glazing, off road parking, enclosed south facing patio garden with 2 outbuildings & no upward chain.

LONDON ROAD, LONG SUTTON £75,000 Victorian 2 bedroom end terraced house situated convenient for bus stops & Spar convenience store benefiting from lounge/diner, downstairs bathroom, enclosed courtyard garden, gas central heating & no upward chain – view now!

WITHINGTON STREET, SUTTON BRIDGE £79,995 ATTENTION BUY TO LET INVESTORS PROPERTY WITH TENANT IN PLACE! Recently refurbished 2 bedroom terraced house, UPVC conservatory, refitted kitchen & bathroom, lounge/ diner, UPVC double glazing, gas central heating & enclosed rear garden.

WITHINGTON STREET, SUTTON BRIDGE FIXED PRICE £75,000 Recently updated 2-3 bedroom terraced house benefiting from refitted kitchen & downstairs bathroom, utility room, gas central heating with refitted boiler, upvc double glazing, & enclosed low maintenance rear garden. Viewing advised!

WITHINGTON STREET, SUTTON BRIDGE £79,995 Recently updated 2-3 bedroom terraced house benefiting from refitted kitchen & downstairs bathroom, utility room, gas central heating with refitted boiler, upvc double glazing, & enclosed low maintenance rear garden. Viewing advised!


Individual conversion development of 12 properties with allocated off road parking situated in convenient walking distance of local amenities and bus stops. PLOT 1: £69,950 1 bedroom end terraced coach house (approx 54.1 sqm) Open plan lounge/diner and kitchen, downstairs cloakroom, upstairs en-suite bathroom to the bedroom & 2 allocated parking spaces. PLOT 2: £72,500 1 bedroom terraced coach house (approx 59.3 sqm) Open plan lounge/diner and kitchen, downstairs cloakroom, upstairs en-suite bathroom to the bedroom & 2 allocated parking spaces. PLOT 3: £77,500 2 bedroom terraced coach house (approx 78.8 sqm) Open plan lounge and kitchen plus downstairs bathroom & 2 allocated parking spaces. PLOT 4: £79,950 2 bedroom ground floor apartment (approx 45.7 sqm) Double aspect open plan lounge & kitchen, private garden & 2 allocated parking spaces. PLOT 5: £67,500 2 bedroom ground floor apartment Open plan lounge & kitchen plus 2 allocated parking spaces.

(approx 40.8 sqm)

PLOT 6: £75,000 2 bedroom ground floor apartment (approx 56.0 sqm) Double aspect lounge and separate kitchen plus 2 allocated parking spaces. PLOT 7: £59,995 1 bedroom ground floor bedsit apartment (approx 34.4 sqm) Open plan lounge and kitchen plus en-suite shower room to the bedroom & 1 allocated parking space. PLOT 8: £ 86,950 2 bedroom ground floor apartment (approx 65.8 sqm) Double aspect open plan lounge and kitchen plus 2 allocated parking spaces. PLOT 9: £86,950 2 bedroom ground floor apartment (approx 64.3 sqm) Open plan lounge and kitchen, en-suite shower room to master bedroom plus further bathroom. 2 allocated parking spaces. PLOT 10: £67,500 2 bedroom first floor apartment Open plan lounge and kitchen. 2 allocated parking spaces.

(approx 42.0 sqm)

PLOT 11: £69,950 2 bedroom first floor apartment (approx 43.1 sqm) Double aspect open plan lounge and kitchen. 2 allocated parking spaces. PLOT 12: £69,950 2 bedroom first floor apartment Open plan lounge and kitchen. 2 allocated parking spaces.

(approx 49.3 sqm)

SPECIFICATION: - Kitchens: Fitted units plus oven, hob with extractor, space for fridge/freezer, space/plumbing for washing machine. - Bathroom/Cloakroom/En-Suite: Fitted with white suite. - Double glazing & Gas central heating - Carpets/floor coverings included. *All information subject change.

SPEAK TO A MEMBER OF STAFF FOR FURTHER INFORMATION OR TO RESERVE TODAY


NEW ROAD, SUTTON BRIDGE £80,000 Building plot. Approx 0.5 acre site, outline planning permission for a single storey dwelling. Popular residential location, field view to one side, mature trees on site. Golf course nearby.

CUSTOM HOUSE ST, SUTTON BRIDGE £85,000 Victorian 2-3 Bedroom mid terraced house benefiting from 2 reception rooms, ground floor refitted shower room, upvc double glazing, gas central heating with refitted boiler, enclosed rear garden & off road parking. View now!

GAULTREE SQUARE, EMNETH £89,995

LIME STREET, SUTTON BRIDGE £96,000 FIXED PRICE

2 Bedroom semi detached house situated in a popular village requiring further updating and benefiting from 2 reception rooms, conservatory, upvc double glazing, enclosed rear garden with part field view & no upward chain. View now!

ATTENTION BUY TO LET INVESTORS PROPERTY WITH TENANT IN PLACE! Refurbished 2 bedroom period end terraced house, 2 reception rooms, modern fitted kitchen & bathroom, enclosed rear garden, allocated parking space, upvc double glazing, gas central heating & no upward chain.

ST MARKS ROAD, HOLBEACH ST MARKS OFFERS OVER £90,000 Modern 3 bedroom semi detached house in a rural village location benefiting from kitchen/diner, oversized integral single garage, off road parking, enclosed rear garden, upvc double glazed windows, solid fuel central heating & no upward chain. Viewing advised!

WEST PARADE, WISBECH £102,500 3 Bedroom end-terraced house situated close to the town centre, 2 reception rooms, downstairs shower room, majority double glazing & gas central heating, off road parking, rear garden & no upward chain.

KING JOHN BANK, WALPOLE ST ANDREW £89,950 2-3 Bedroom detached bungalow requiring modernisation in a rural location on an overall plot of 0.19 acre (sts) benefiting from front field views,1-2 reception rooms, utility, built in store room & workshop, carport & driveway, oil central heating, generous rear garden & no upward chain.

CHESTNUT TERRACE, SUTTON BRIDGE £92,950 Edwardian terraced house benefiting from 2 double bedrooms, 2 reception rooms, modern refitted kitchen & bathroom, gas central heating, upvc double glazing & approx 100ft long enclosed rear garden. Internal viewing essential.

PEBBLE CLOSE, SUTTON BRIDGE £106,950 New build 2 bedroom terraced house situated in a small development of 9 houses benefiting from lounge/diner, downstairs cloakroom, upvc double glazing, gas central heating, low maintenance enclosed rear garden, allocated off road parking space & no upward chain. View now!


The benefits of secured loans are clear to see. By Jane Sutton, Director Top House Mortgages

Secured loans have many advantages over a remortgage. If you have unsecured debts to consolidate and it doesn’t make sense to remortgage then a secured loan could be the perfect solution to reduce your outgoings. Quicker – Secured loans can usually be completed within 30 days from the initial application rather than the 8 to 12 weeks required for a re mortgage. Cheaper – The total mount the client repays over the term can be less. Interest is only charged on the additional amount compared to a new interest rate being applied to the whole balance of a re mortgage. Flexible – Secured loans for almost any purpose, available for those clients with a perfect credit status and also those who have experienced mortgage arrears, CCJs or defaults. This is something which mainstream remortgage lenders are unlikely to consider. Semi Self Cert – 40k loans available to 60% ltv with adverse credit. Last 2 months bank statements would only need to evidence 50% of income stated on application form. Buy to Let First & Second Charges – Rental income simply needs to cover 100% of the monthly payment. Provable by an up to day Assured Shorthold Tenancy agreement (AST), no further proof of income is required. Loans are available for Self employed applicants with no accounts, been self employed for less than 6 months or applicants with adverse credit. AVERAGE 90% LTV RATES TUMBLE At the peak of the mortgage crisis, the majority of lenders withdrew their high LTV mortgage products, leaving prospective homeowners high and dry with no hope of affording the large deposits required. The rising cost of living and unemployment has also had a massive impact on prospective buyers’ ability to save for their first home. Demand for high LTV mortgages is and always will be high. Lenders have shown they recognise this by edging cautiously back into this area of the market with some competitive deals of late. News of this increased choice and lower rates in this sector of the mortgage market will be music to the ears of potential borrowers whose voices finally appear to have been heard at last!

Top House are specialists with access to the whole of market and what’s more we do not charge fees. So if you would like some free, friendly, no obligation advice then give us a call.


BRUCE CLOSE, WISBECH £107,950

PRINCES STREET, SUTTON BRIDGE £109,995

NENE MEADOWS, SUTTON BRIDGE £124,950

New build 2 bedroom terraced house situated in a small development of 9 houses benefiting from lounge/diner, downstairs cloakroom, upvc double glazing, gas central heating, low maintenance enclosed rear garden, allocated off road parking space & no upward chain. View now!

1920’s 3 Bedroom semi detached house, lounge/diner, downstairs bathroom, generous enclosed rear garden with off road parking & outbuildings include utility, store & coal store, UPVC double glazing, gas central heating with refitted boiler.

Modern 3 Bedroom semi detached house in a cul de sac location, 2 reception rooms, kitchen/diner, downstairs cloakroom, upstairs bathroom, upvc double glazing, gas central heating with refitted boiler 2011, garage with attached workshop, off road parking, enclosed rear garden & no upward chain.

BRUCE CLOSE, WISBECH £109,950 New build 2 bedroom terraced house situated in a small development of 9 houses benefiting from lounge/diner, downstairs cloakroom, upvc double glazing, gas central heating, low maintenance enclosed rear garden, allocated off road parking space & no upward chain. View now!

BRIDGE ROAD, SUTTON BRIDGE £112,000 Modern 3 Bedroom semi detached house conveniently located for local amenities. UPVC double glazing, Electric night storage heating, Off road parking, Kitchen/Diner & Enclosed south facing low maintenance patio garden. No Upward Chain.

BRUCE CLOSE, WISBECH £112,500 LONDON ROAD, LONG SUTTON £109,950 2 Bedroom semi detached house conveniently situated for local amenities, kitchen/diner, utility, cloakroom, refitted bathroom, off road parking potential, enclosed rear garden with workshop, UPVC double glazing & gas central heating. Viewing advised!

New build 2 bedroom end terraced house situated in a small development of 9 houses benefiting from lounge/diner, downstairs cloakroom, upvc double glazing, gas central heating, low maintenance enclosed rear garden, allocated off road parking space & no upward chain. View now!

BRIDGE ROAD, LONG SUTTON £124,950 Edwardian 3 bedroom semi detached house convenient for bus stop benefiting from lounge/diner, refitted downstairs bathroom, gas central heating, UPVC double glazing, approx 180ft long enclosed rear garden (sts) & no upward chain. Internal viewing essential to appreciate fully.

BRIDGE ROAD, SUTTON BRIDGE OIEO £125,000 Modernised 3 storey terraced house benefiting from 4 bedrooms, 2 reception rooms, modern kitchen/breakfast room, utility, ground floor cloakroom, first floor bathroom, low maintenance rear garden offering off road parking, upvc double glazing, gas central heating & no upward chain.


Legal Advice: Legal Aid challenging times ahead. By Jo Wheatley-Johnson, Fosters Law This month Jo Wheatley Johnson looks at the impact of the impending changes to Legal Aid and the future development of affordable legal services in the UK. On 2nd May 2012, the Legal Aid, Sentencing and Punishment of Offenders Bill received Royal Assent. For most people, this will be of little or no interest or consequence. However, as of 1st April 2013, when the new rules are due to come into force, the way in which Legal Aid provides support for the most vulnerable people in our society will radically change. Legal Aid support is currently available for a variety of civil problems such as debt, housing and family issues. However, access to Legal Aid is means- and merits-tested, meaning that it is only available to those people who genuinely can’t afford legal representation, and who have a case that has a reasonable chance of success or where representation is necessary. However, following the changes next April, many of the specific areas currently supported are being “taken out of scope”. This essentially means that, no matter what the individual’s financial circumstances, for many areas of law including employment cases, private family law cases (divorce and children matters etc.) and Mental Health law - Legal Aid will not be available. So, with the right to justice being a cornerstone of our society, why are the Government doing this? Firstly, and - in these times of austerity - not surprisingly, to save money; however, it is debateable whether the proposed savings will be achieved, because the Court system will become clogged up with people trying to represent themselves, which will just create additional costs everywhere. Secondly, because the Government don't see it as being a ‘vote-loser’, in that they don't think anyone except a small percentage of the poorest people in society will either care or notice the reforms (until, that is, they actually need such representation or advice services, by which time it'll be too late). So what will the impact be? Some say that the de-regulation of legal services, the privatisation of public services and the support from charitable and/or voluntary organisations such as the Citizens Advice Bureau will provide new and innovative ways of providing affordable advice. While to a certain extent it is true that competition encourages creativity and helps to keep prices down, it is likely to be the case that the standards of advice, professionalism and certainty that a Solicitor provides cannot be guaranteed by a non-regulated entity. Also, Government grants and support to charities such as the Citizens Advice Bureau are being systematically slashed or completely withdrawn, leaving many such agencies without the funding to continue their necessary works. As an alternative, many people may try to represent themselves in Court, with all the difficulties that entails. Many more people simply won't bother going to court, forcing them to suffer the consequences of poor housing, debt, unfair welfare benefits decisions and employers' misconduct, without recourse to the courts. So if you are concerned about obtaining professional and affordable legal advice, how can we help? At Fosters Law, we currently provide Legal Aid support in the areas of family law, employment law, housing law and community care law. However, if you do not qualify financially for Legal Aid, or if the matter on which you are looking to get advice falls outside the “scope” of Legal Aid, our pioneering ‘Counsel Assist’ scheme will provide a cost effective alternative to the ‘normal’ legal route. Counsel Assist provides a transparent system that makes it easier for people to get access to necessary legal advice services, by charging substantially discounted rates for advice and representation. Basically, a client picks and chooses their required service from a fixed price menu system; there are no hidden costs and the client knows exactly what he or she is getting for their money. Since there are no ‘unnecessary services’, there is no ‘unnecessary charging’. At Fosters Law, we believe that Counsel Assist is the way forward for the future of legal services – long gone are the days when a lawyer could request the proverbial ‘blank cheque’ from a client – and in our opinion, this is a key development at a time when the Legal Aid scheme is being so drastically reduced. We truly hope that this will enable more vulnerable clients to obtain access to justice, which they deserve.

For more information visit our website - http://www.fosters-law.co.uk/page/CounselAssist.htm. Or contact Jo Wheatley Johnson at our Long Sutton office: 14 Market Street, Long Sutton, Lincolnshire. Email jwj@fosters-law.co.uk or call 01406 455014.


WRIGHTS LANE, SUTTON BRIDGE £126,000 Residential development opportunity. Popular residential location with field view. Approx 0.5 acre site with full planning permission to demolish existing buildings & erect 4 dwellings & integral garages. View Now!

MARSHLAND DRIVE, HOLBEACH £127,500

STATION ROAD, TYDD GOTE £129,995 3 Bedroom detached bungalow with field views to the rear, re-fitted kitchen & shower room, conservatory, UPVC double glazing, oil central heating, garage & off road parking, enclosed rear garden. No upward chain. Viewing strongly advised.

MAIN ROAD, GEDNEY DROVE END £132,250

Modern semi detached bungalow offering 2 double bedrooms, lounge/diner, conservatory, modern fitted kitchen & bathroom, garage & extensive driveway, enclosed walled front courtyard garden & generous rear garden, majority upvc double glazing & recently installed gas central heating. Viewing essential!

Detached bungalow situated in a rural village location, 2 double bedrooms, 2 reception rooms, conservatory, generous enclosed relatively low maintenance rear garden offering extensive off road parking, garage & workshop. UPVC double glazing, LPG central heating. Viewing a must!

LONDON ROAD, LONG SUTTON £129,500

CHURCH DROVE, OUTWELL £139,995

Detached 19th century character cottage benefiting from lounge/diner, sun room, modern kitchen/breakfast room, utility room, 2 double bedrooms, refitted shower room, majority upvc double glazing, gas central heating, enclosed garden & off road parking. View now!

3 Bedroom detached house situated convenient for local primary school and village amenities, 2 reception rooms, conservatory, downstairs cloakroom lpg central heating, part upvc double glazing, attached garage, extensive off road parking, enclosed gardens & no upward chain.

WEST STREET, LONG SUTTON OIRO £135,000 Detached circa Edwardian cottage in a town centre location with permitted use as chiropody clinic on the ground floor with reception room, treatment room, kitchen, utility & cloakroom. Plus self contained residential 1 bedroom apartment on the first floor. UPVC double glazing, gas central heating, off road parking, gardens & no upward chain.

BRIDGE ROAD, SUTTON BRIDGE OIEO £137,000 Detached bungalow requiring further modernisation, 2-3 double bedrooms, kitchen/breakfast room, utility room, bath/shower room & separate cloakroom, gas central heating, double glazing, integral garage & extensive off road parking, enclosed rear garden with feature patio & no upward chain.

STURTON WAY,LONG SUTTON £149,995 Detached bungalow situated in a popular location requiring further updating benefiting from 3 double bedrooms, kitchen/breakfast room, utility room, upvc double glazing, gas central heating, garage, driveway, enclosed low maintenance gardens & no upward chain.


WRIGHTS LANE, SUTTON BRIDGE £149,995

WRIGHTS LANE, SUTTON BRIDGE £159,950

Detached bungalow situated in a popular location, 2 double bedrooms, conservatory/utility, majority UPVC double glazing, gas central heating, bathroom with corner bath & separate shower, garage & off road parking, good size rear garden.

Refurbished 3 Bedroom detached house, en-suite to master bedroom, downstairs cloakroom, utility, 2 reception rooms, UPVC double glazing, gas central heating, garage & driveway, rear garden with field view. Planning permission for 1st floor extension. Internal viewing essential to appreciate fully!

FOLDS LANE, LONG SUTTON OFFERS OVER £150,000 2 Bedroom detached bungalow situated convenient to town centre facilities in a secluded position with generous south facing rear garden, 2 reception rooms & conservatory, utility, detached garage & off road parking, UPVC double glazing, gas central heating.

FAIRFIELDS, HOLBEACH £157,995

LUTTON GOWTS, LONG SUTTON £159,995

LIME WALK, LONG SUTTON £165,000 Modern extended 4 bedroom detached house on a corner plot, convenient for local amenities, 38ft long lounge/diner, majority UPVC double glazing, gas central heating, enclosed rear garden, garage & driveway.

MAIN ROAD, GEDNEY DROVE END £169,950

3 Bedroom detached bungalow situated on the outskirts of Long Sutton, 2 reception rooms & conservatory, bathroom, shower room, UPVC double glazing, gas central heating, off road parking , feature enclosed garden. No upward chain.

Modern (2002) detached bungalow in a rural village location with field views benefiting from 3 double bedrooms, ensuite, refitted kitchen/diner, utility room, conservatory, redecorated throughout, refitted carpets, single garage, driveway & enclosed gardens. No upward chain. Viewing advised.

VILLA CLOSE, LUTTON (LONG SUTTON) £165,000

DELPH ROAD, LONG SUTTON £174,950

2-3 Bedroom detached bungalow situated in a popular cul-de-sac close to the town Modernised detached bungalow in a centre benefiting from conservatory, utility popular cul de sac with field views to one room/bedroom 3, shower room, UPVC side, 2 double bedrooms, individual open double glazing, gas central heating with plan layout, modern refitted refitted combi boiler, south facing low kitchen/breakfast room, dining maintenance rear garden & off road room/study, refitted bathroom, enclosed parking. View Now! rear garden, off road parking, upvc double glazing & gas central heating. Viewing essential to appreciate fully!

Modernised detached bungalow, 2 double bedrooms, 2 reception rooms, conservatory, modern fitted kitchen & bath/shower room, oversized single garage with office, extensive off road parking, enclosed rear garden, majority upvc double glazing, gas central heating & no upward chain. Viewing essential!


Letting advice: Buying property to let By Rob Smy, MARLA, MAPIP, Director of Fenland Estates - residential lettings specialists

As the areas only ARLA licensed residential lettings specialists, at Fenland Estates we are often approached by landlords asking what is the best type of property to purchase as a buy to let investment. Anyone thinking of entering this market, or expanding their existing portfolio, is welcome to book a free, no obligation appointment with one of our qualified staff either at our offices in Long Sutton and Wisbech, or alternatively, we are also happy to arrange home visits in the evenings. Below are just a few of the areas potential landlords should consider: 1. Remember you are buying a property to rent out, not to live in. Your own personal preferences, such as location or garden size, may not be the most sought after in the rental market. 2. Size of property. Biggest isn’t always best. In certain locations the demand will be for small, affordable housing while in other areas larger family homes will be more sought after. 3. Location! If sales prices are particularly low in a certain area it might (though not automatically) follow that rental valuations will also be lower. 4. Condition of property. It can be a good long term investment buying a property at a reduced price due to its condition. Do remember though, that as a landlord you will have certain legal obligations regarding the ongoing state of repair of the property. Think also of the type of tenants you are trying to attract. 5. Be realistic. It is common for new landlords to assume rent equals profit. Make sure you have accounted for the costs involved such as ongoing maintenance, agent or legal fees, insurances and times when the property will not be tenanted. Buy to let is a proven investment opportunity but, as with any investment, the greatest success will come from careful planning. When seeking advice, remember that there is no legal requirement for letting agents to have any qualification. Always talk to a licensed agent.

Landlords wishing to discuss this further can contact Fenland Estates on 01945 466642 or 01406 363006.


DELPH ROAD, LONG SUTTON £174,950

LONGDON CLOSE, SUTTON BRIDGE £189,995

CHURCH STREET, GEDNEY DAWSMERE £195,000

3 bedroom detached chalet style cottage on the outskirts of Long Sutton. Downstairs 2 bedrooms, bathroom, lounge, kitchen/diner, utility and conservatory. Upstairs bedroom, shower room & reception room. Garage, off road parking & established gardens. Field views to the front. Viewing a must!

Modern (1997) detached bungalow situated in a popular cul de sac benefiting from 3-4 double bedrooms, en-suite, conservatory, refitted kitchen/breakfast room, utility room, garage & driveway, south facing enclosed rear garden, wood effect upvc double glazing & gas central heating.

3 Bedroom detached former school masters house in a rural village location with field views, overall plot approaching 0.3 acre (stms), character features, 2 reception rooms, majority UPVC double glazed windows, oil central heating, extensive parking, detached barn: workshop & garage.

GEDNEY ROAD, LONG SUTTON £179,950

STANLEY DRIVE, SUTTON BRIDGE £189,950

3 Bedroom 1930s detached house on an overall plot of 0.15 acre (sts), 2 reception rooms, conservatory, refitted kitchen with integral appliances, utility, refitted upstairs bathroom & downstairs shower room, gas central heating with refitted boiler, upvc double glazing, garage, extensive parking & enclosed rear garden with part field views.

Modern detached bungalow in a popular location benefiting from 4 double bedrooms, en-suite, conservatory, kitchen/breakfast room, utility room, garage & driveway, low maintenance enclosed rear garden, wood effect upvc double glazing, gas central heating & no upward chain. Viewing a must!

MAIN ROAD, TYDD GOTE £184,995

EAU DYKE BANK, TYDD ST GILES £194,950

4 Bedroom semi detached cottage, edge of village rural location, overall plot of Period detached cottage with layout giving 3/4 acre (sts), feature views, 3 reception potential to separate into 2 parts. 5 rooms, downstairs wetroom, upstairs bedrooms, 4 reception rooms, 2 bathrooms, bathroom, kitchen/breakfast room, downstairs cloakroom, central heating, utility, wash room, double glazing, separate workshop/garage building & double garage, workshop & gardens. enclosed garden.

CHURCHGATE, GEDNEY £199,995 Detached bungalow in a non estate village location with rear field view, 3 double bedrooms, 3 reception rooms, conservatory, kitchen/breakfast room, cloakroom, double garage, extensive driveway, UPVC double glazing, oil central heating & enclosed south facing rear garden. No upward chain.

WRIGHTS LANE & NEW ROAD, SUTTON BRIDGE £205,000 Residential development opportunity, 2 sites together. Total of 5 plots. Popular residential location with field view. Approx 0.5 acre site with full planning permission to demolish existing buildings & erect 4 dwellings & integral garages. Plus further approx 0.5 acre site with outline planning permission for a single storey dwelling and separate access


Legal Advice: The writings on the party wall By Anna Hall, Ward Gethin Archer Solicitors Property boundaries can be the cause of many disputes. Your Conveyancer can be of assistance in determining where your general boundary lies, but what happens where this boundary is shared with a neighbouring property and you need or want to carry out works to it? It helps if you consider yourself a joint owner of the whole wall with your neighbour rather than considering yourself the sole owner of half of the wall. The aim of the Party Wall Act was to reduce disputes between neighbours. The Act sets out the rights and obligations of the property owner together with the rights of neighbouring property owners and occupiers who might be affected by any works proposed. The Act will probably apply to you if: • You are carrying out work on a wall or structure that is shared with another property. • You are building a wall or the wall of a building up to or striding the boundary with a neighbouring property • You are digging within 6 metres of a neighbouring property although this depends on how deep you are digging. The Act sets out exactly what procedures to follow. Whether your proposed works are to build a new wall or to make repairs to an existing structure or even to get access to another property to carry out those works. It also sets out the way in which disputes are to be resolved. What is a Party Wall? A Party • • • •

Wall is defined as several different types of structures but most notably includes: A wall which stands astride the boundary of land belonging to different owners. A wall which is part of one building A wall which separates two or more buildings A party fence wall.

It covers garden walls but not fences and can include party structures such as floor partitions between flats. The Act also includes wall or buildings that adjoin but which may even have been built at different times, for example one person might have built a wall and another person may then have constructed their building against it rather than building their own wall. What do I need to do next? Together with any planning permission or building regulations you must comply with the terms of the Act which will mean giving any adjoining owners at least 2 months’ notice in writing of your proposed works. The notice should give the adjoining owner information including any anticipated effects the work may have on their property. Steps must be taken to ensure that no damage is caused to the adjoining owner’s property. What happens next? The Adjoining Owner should reply to the notification to either confirm that they are happy for the works to take place or that they object to the works. The person receiving the notice also has a right to serve a counter notice requiring alternative works to be carried out. What if there is no reply? If a reply is not received within 14 days then it is assumed that there is a dispute. Each party should appoint a Party Wall Surveyor to ensure that the act is applied correctly. If one party fails to appoint a surveyor the other can do so on their behalf. The Surveyors fees are paid by the party who wants to carry out the works unless the Surveyor decides that the works are of benefit to both parties in which case he can direct that the costs are paid by both parties. It is the Surveyors job to decide what work can be carried out and put in place any conditions that may be necessary including arrangements for access and the way in which work should be carried out. This is known as the “Party Wall Award”. The surveyor will also document the condition of the adjoining property before the work begins which will ensure that any damage caused by the works is clear thus avoiding later disputes. The process does seem very formal. The best way to avoid disputes and to make sure that an agreement is reached is to start a friendly discussion with your neighbour beforehand. Your Party Wall Notice will then come as no surprise and should just be a written record of the agreement you have reached. Your Conveyancer will be able to help you determine whether the boundary structure you want to work on is a Party structure and will be able to store your Party Wall Notice with your deeds for future reference. If there are problems they will be able to guide you through the appropriate steps. If you would like further advice please contact Anna Hall at Ward Gethin Archer on 01553 660033.


FIRDALE CLOSE, PEAKIRK £220,000

STATION ROAD, LONG SUTTON OIRO £239,950

Detached chalet bungalow in a cul-de-sac location with rear field views, 2-3 bedrooms, 2 reception rooms, garden room, UPVC double glazing, oil central heating, garage & driveway, en-suite cloakroom, downstairs cloakroom.

Detached house, original part dating back to mid 1800s, part field views, 4 double bedrooms, 4 reception rooms, upstairs bath/shower room, downstairs cloakroom, majority UPVC double glazing, gas central heating, off road parking, side gardens, no upward chain.

CHALK ROAD, WALPOLE ST PETER OIEO £230,000

NIGHTINGALE WAY, SUTTON BRIDGE £249,950

Modern detached house in a popular village location, 4 double bedrooms, ensuite to master, family bathroom, downstairs cloakroom, lounge, kitchen/diner, utility, upvc double glazing, oil central heating, integral garage, off road parking & enclosed rear garden with feature covered wooden terrace. Viewing a must!

Detached Allison 'Mayfield' design house built 2005 and situated in a sought after location benefiting from 4 double bedrooms, en-suite, 3 reception rooms, kitchen/breakfast room, utility room, cloakroom, double garage, upvc double glazing, gas central heating & low maintenance gardens

NIGHTINGALE WAY, SUTTON BRIDGE £259,950 CHALK ROAD, WALPOLE ST PETER OIEO £230,000 Modern (2009) 4 Bedroom detached house in a popular village location, en-suite & dressing room to master bedroom, 3 reception rooms, utility room, cloakroom, wood effect upvc double glazing, oil central heating, enclosed rear garden with field view, off road parking.

Detached Allison 'Canterbury' design house built 2005, sought after location, 5 double bedrooms, 2 en-suites, 3 reception rooms, kitchen/breakfast room, utility room, cloakroom, integral double garage, upvc double glazing, gas central heating & enclosed rear gardens.

STABLE COURT, LEVERINGTON £275,000 Modern 4 bedroom detached chalet style house offering open plan kitchen/family room plus 2 formal reception rooms, ensuite to master bedroom, downstairs cloakroom, utility, upvc double glazing, gas central heating, south facing enclosed side/rear garden, detached double garage, extensive parking.

CHALK ROAD, WALPOLE ST PETER £279,995 Modern detached house, 4 double bedrooms, dressing room & en-suite to master bedroom, 2nd bedroom with ensuite, downstairs cloakroom, 3 reception rooms & conservatory, kitchen, utility room & breakfast room, integral double garage, established enclosed rear garden, UPVC double glazing & no upward chain.

STONEGATE, GEDNEY (SOUTH) £280,000 Executive detached bungalow, 4 bedrooms, en-suite cloakroom, 2 conservatories, kitchen/diner, utility, bath/shower room, double garage with office & cloakroom, extensive block paved driveway, landscaped low maintenance gardens, non-estate village location with rear field view.


SALTS ROAD, WEST WALTON OIEO ÂŁ294,995 Modern 5 bedroom detached house, overall plot 0.19 acre (sts), 2 en-suites, kitchen/diner, conservatory, study, utility, downstairs cloakroom, workshop, double garage & extensive parking, oil central heating, UPVC double glazing & secluded rear garden with decking area.

BACK ROAD, MURROW ÂŁ299,995 Modern 6 bedroom house situated in a rural village location benefiting from 3 reception rooms, 3 en-suites, family bath/shower room & downstairs cloakroom, utility room, detached garage, off road parking, enclosed garden, upvc double glazing & oil central heating. Viewing essential!

MORE PROPERTIES NEEDED Due to recent sales success we need more properties to offer potential buyers. Do you have a property to sell in our area? If so, please contact us for an informal chat or to arrange a free no obligation appraisal on your property. Tel: 01406 359131 or email: phoenixea@btconnect.com If you have instructed another agent on a sole agency basis, the terms of that agreement must be considered.


Coversure Insurance Latest News By Jane Sutton, Coversure Insurance Wisbech In today’s market place Insurers are getting more and more selective with regards to home insurance often refusing to cover anything but normal standard risks. We have an Insurer who offers cover for all non standard risks covering such things as:Non standard Construction Adverse Claims History Declined, refused or cancelled insurance Subsidence & flood history risk, which is particularly good for this area Previous convictions or bankruptcy And anything else which does not meet the ‘One size fits all approach of the standard insurance market.

How would you or your business cope if your vehicle was stolen or written off tonight? I hope that it never happens to you, but no matter how much is spent on vehicle protection it does little to deter thieves and the fact is that while you are reading this three more vehicles will be stolen. It’s a myth that every customer who has their vehicle stolen will be provided with a replacement vehicle by their insurers. Only a small number of insurance companies offer any kind of solution. Fact is no courtesy vehicles will be provided whilst your car remains un-recovered usually for up to 14 days and never if you vehicle is written off. Now though there is a solution by way of a policy called ‘theft protect’ which hasn’t been previously available in the UK. For a small annual premium this policy would provide you with a replacement vehicle with the minimum of fuss to allow you to get mobile once again in the unhappy event of your vehicle being stolen or written off. If you would like more information on this policy or a quote then give us a call.

I’m taking part in Race for Life to raise money for Cancer Research UK’s life saving work and would really appreciate your support. Please take a moment to sponsor me and help more people survive cancer. You can donate online at http://www.raceforlifesponsorme.org/the-jugglers. Cancer Research UK is the world’s leading charity dedicated to saving lives through research. Their vital work is funded entirely by the public so whatever you can give really will make a difference. All donations are secure and automatically sent to Cancer Research UK.

Please keep Coversure in mind for any insurance you have coming up as we cover all aspects of insurance and will scan the market to get you a competitive premium and hopefully better cover. If you would like us to assist or advise you please contact Jane, Kat or Liz.

Tel: 0800 308 1140


Phoenix Estate Agents Property Magazine - June 2012 Edition.