Property Mail Magazine 08/12 to 18/01

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Christmas Trends Luxe Gifts Winterproof Your Home Winter Let Your Home Overclean Matt Tebbutt

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Adam James Interiors Bo Concept Big Yellow Self Storage Budd Electrical Howells Solicitors Charles James Jewells Luxury 4 Living Lime Green Natuzzi SMC Kitchens Spaces The Tap End UK Mortgage & Protection

Property Mail Magazine has made constant care to make sure that content is accurate on the date of publication. The views expressed in the articles reflect the author(s) opinions and are not necessarily the views of the publisher and editor. The published material, adverts, editorials and all other content is published in a good faith. Property Mail Magazine cannot guarantee and accepts no liability for any loss or damage of any kind caused by this publication and errors for the accuracy of claims made by the advertisers. Property Mail Magazine is a title of European Property Publications Ltd.

Christmas Trends Choose between frosty, copper or emerald WRITTEN BY GABRIELLE FAGAN


Christmas tree is the star of the celebrations, but choosing a style can be as tricky as untangling the tinsel. But this year, banish seasonal stress by taking inspiration from these three decor themes frosty, copper or emerald. Then add the bells and baubles, sit back and wait for the compliments. “A Christmas tree is such a seasonal statement and nowadays isn’t just for friends and family as its style is often shared on social media, so we all want it look as beautiful and stylish as possible,” says Lee Jackson, Christmas stylist and designer for Dobbies garden centres. “The main influence on tree trends over the last few years can be summed up in one word ‘craft’. The huge resurgence in activities such as needlepoint, felting, paper crafts, handstitching and crochet are reflected in the styles as well as the materials - from wool and wood to felt - used for tree decorations, giving them a lovely personal hand-crafted feel. “The other influence is the Japanese craze, Kawaii, which means unashamedly cute, and that’s played a part in the popularity of cutesy woodland animals dancing across tree branches. “Squirrels, deer, hedgehogs, stags and even mythical creatures like unicorns are all having their moment this year in the seasonal limelight.”



interior design



White Berry & Fern Bauble, £3.75, The Contemporary Home.

“Our Snowy Forest tree trend uses lots of silver tones and snow-tipped animals to bring a midwinter landscape to life,” says Jackson of the Dobbies offering. “A traditional colour-combo of red and white is classic, but this interpretation is fresh but simple and conjures a stylishly serene, icy winter wonderland.” Style Tip Create your own ‘snow storm’ with Artificial Snow, 100g bag, £2, from Hobbycraft. Simply spread glue where you want the snow to stick - on baubles and present wrapping - and sprinkle on. Follow the white and red colour theme when gift-wrapping parcels displayed under the tree and go all out with beautiful red and white ribbon and gorgeous gift tags.

Real Christmas Garland, White & Silver, £65, John Lewis.

Emerald Banana Leaf Tree Decoration, Green, £4, John Lewis.

White Reindeer, £2.99, Dobbies.

Polar Bear Decoration, £2.49, Dobbies.



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Cardiff Centre


One bedroom, 12th floor city centre apartment ideal for first time buyers, landlords, or people looking for a fantastic city centre location. NO CLADDING ISSUES


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Pontcanna, Cardiff


This one bed ground floor apartment is situated within easy access to the city centre and within walking distance to Pontcanna’s trendy bars and coffee shops. It is also situated adjacent to Pontcanna Fields whichis ideal for afternoon and weekend strolls. This ground floor apartment is ready for it’s next owner with no chain.

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Heath, Cardiff


A well presented three bedroom house with immaculate rear garden. The house is situated in an excellent location, within walking distance of supermarkets, local schools and close to the University Hospital Wales, City Centre & M4. Early viewing is highly recommended.

029 2022 7603 |

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The property is a one bedroom top floor apartment which has beautiful views across Whitmore Bay and allocated parking in the rear secure car park. Modern fitted kitchen / diner / reception room. Amazing views. Must be seen.


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A unique and well designed detached home, which has been well looked after and extremely well maintained by its owners. The house is situated to take in some of the best views for miles around, and if you are looking for a large property with a relaxing feel then this could be your dream home.


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This unique detached property doesn’t just boast of being in one of Whitchurch’s most desirable turnings, but due to its internal layout comes with a conservatory, three reception rooms, including a large kitchen diner. This flows into a second reception and it is not just ideal for entertaining, but due to the double aspect log burner,

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Whitchurch, Cardiff






Externally the property enjoys an elevated plot with off-road parking leading to a single garage. A low maintenance front garden and a rear tiered garden with access to a Garden Office which has been fully insulated and mains supplied electricity and also enjoys open hillside views across Bridgend. 029 2022 7603 |

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Fairwater, Cardiff


Comprising of Lounge, Fitted Kitchen with Oven & Hob, utility area with plumbing for washing machine, Three Double Bedrooms, family bathroom, downstairs W.C. Full Gas Central Heating Upvc Double Glazed Windows & Doors, good size front and rear gardens, off road parking, freehold, NO CHAIN

Heol Derlwyn SOLD

Lon Tyn-Y-Cae SOLD



T: 029 2056 4732 W: 123a Station Road, Cardiff CF14 2FE


a very sought after home.


Who buys bungalows?

What do bungalows cost then?

Bungalows traditionally have always been a sought after purchase for people retiring or downsizing over the years. However more recently we have seen a huge change in who is competing to purchase bungalows, due to the popularity for them becoming family homes. We now are seeing more and more dorma style bungalows than ever before. A popular layout being, that the master bedroom moves upstairs perhaps with an ensuite, and then depending on the requirement of the owner, the downstairs rooms may be utilised as either interchangeable reception rooms or as bedrooms.

We’re an ageing population, and we’re not building for our needs so a simple supply and demand dictates an increased price. Bungalows have often been seen a safe purchase as first of all due the lack of them being built (how often have you seen a large national house developer build bungalows?) They do tend to increase in value over and above what perhaps traditional houses increase in too. Over the last 10 years, no other style of properties has increased more in value mainly because we no longer build them. Every Bungalow has a different price to it, depending on plot size, bedrooms and location, just one thing is certain it will be valued higher that it was 10 years ago and in 10 years into the future it’ll be worth more again.

Why are they so popular? Owing to the above points it is now common for a semi detached or detatched bungalow to become used as a family home. We see this especially in Rhiwbina and Whitchurch where there are a large number of bungalows in those areas, that has a huge demand for families to live in due to schooling. Bungalows are also often situated on roads with less incline so are perfect for people to retire to due to the fact they are also close to good quality local amenities.

Why aren’t developers building bungalows?

At OAC we have a combined 20 years worth of experience in the North Cardiff Market and a lifetime of local knowledge having grown up there. We are proud to showcase various bungalows and properties that we have successfully been offering for sale and selling this year. Why not call us today to find out what we can do for you or find out how much your North Cardiff Home is worth.

Plot size, put simply. They are unpopular with the planners, as now-a-days they can now build two semi detached townhouses with 4 bedrooms perhaps on the same plot size as a two bedroom detached bungalow. And then also the developers would get two sales and two families housed which again suits the planners. So a bit of a vicious circle.

Merry Xmas from Nick, Rich Catrin & Joe of BCL & OAC

They offered me a management fee of 8.5%.

For a Free Instant Valuation log onto or call 02920 493900



Discover our special offers on all our collections. Relax and treat yourself with handcrafted Italian design.



LUXURY FOR LIVING British Craftmanship with European Design




13 luxe gifts: Blow the budget on these beautiful buys for the home Style up the season with posh pressies full of promise, says Sam Wylie-Harris.

From practical to playful, decorative to dinky, here’s how to light up their world of interiors (or yours) with these handsome homewares

1. GPO 746 Rotary Retro Phone –

1970s-style Landline Telephone with Curly Cord and Authentic Bell Ring – Carnation Pink, £47.99, Amazon Cute as candy, who wouldn’t want to be on the receiving end of this corded classic?

2. Dachshund Planter, £50, Cox & Cox Puppy love… this sausage dog leads the way for planting succulents or herbs, side by side.


interiors gifts

3. Absolut Elyx Copper Coupes (280ml), £60, Absolut Elyx Boutique

Chic copper coupes will make those celebratory champagne cocktails taste that much more special, in addition to being embellished with a winter wheat motif in tune with vodka martinis.

4. Bronx 12-Piece Dinner Set, £52, Next

One of the best tablescaping tricks of the trade, black stoneware tops the style stakes and makes anything you plate up look delicious. Includes four dinner plates, four side plates and four bowls.

5. STAR By Julien Macdonald Agate Set of Two Bookends,

£55, Freemans

A surprise pressie bound to please… something you wouldn’t necessarily splash out on yourself, but adds a certain je ne sais quoi and new dimension to the scheme of things.

6. Habitat Kayleigh Drinks Trolley – Brass, £125

(other items from a selection, Habitat)

Celebrating the art of the cocktail and home entertaining, a glitzy bar trolley can be staged with all your favourite spirits, wheeled out to add some razzmatazz to anything you proffer – and this one’s especially easy on the eye.

7. Benny Bear Side Table, £179, Graham & Green The simple bare necessities… we’re wild about this beautiful beast which can double up as a side table, coffee table or prized work of art.

8. ProCook Cast Iron Casserole, 24cm/4.7L Round Graduated Red, £64, ProCook

The hardest working kit in the kitchen and a must for casseroles, Bolognese sauces, soups and comfort food, this cast iron dish is suitable for all hob types and oven safe. A great housewarming gift to stand the test of time with a 25-year guarantee.

9. Heather Office Chair, Ivory White Boucle & Brass,

£159, Cult Furniture

Cushy job… this elegant Scandi-style office chair upholstered in a chic ivory boucle comes with a choice of brass or chrome legs. There’s also the added bonus of hugging the contours of the body and wheels for easy movement.

10. Royal Brierley Harris Ink Blue Spirit Decanter, £130, Large Tumbler, £50, Dartington

Colourful crystal is trending and this inky blue spirit decanter boasts sweeping cuts which sparkle like a starry sky. Guaranteed to add more than a merry measure to happy hour celebrations and tempting tipples.

11. Rigaud Cyprès Candle, £70 (Large), Rigaud Paris Cited as the world’s first scented candle and hand-made in France, this green Rigaud candle’s inspired by the ‘richness of the Mediterranean forest,’ and offers crisp notes of pine needles, topped with lavender and warm woody scent of cedar wood. Oh là là.

12. All over Pleated Velvet Duvet Cover and Pillowcase Set,

from £50 to £80, Next

Five-star style without the price tag but all-important look of luxe. This lavish bed set features decorative pleating galore and you can always up the ante by splashing out on a glamorous faux fur throw for the finishing touch.

13. Arianna Deluxe Black Dressing Table with Hollywood Mirror Lights, £255, Carme Home Think Tinseltown glamour with LED lights and 10 large bulbs framing the adjustable mirror, this dreamy dressing table is a thing of beauty with well-organised drawers and open compartments for all their bits and bobs. Plus, its accessorised with a matching stool with plush, padded seat. Just darling.


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Winterproof your home Luke Rix-Standing reveals how to stay warm and save money. The long winter evenings have arrived, along with wind, wet, and possibly snow, so it’s time to make sure your home is well prepared for wintry weather. These simple seasonal switches will help keep your house homely come rain of shine - and let’s be honest, it’s going to be rain. 20 / PROPERTYMAIL



Curtains aren’t exactly airtight, but even the loosest layer of fabric can make a remarkable difference when it comes to keeping out the cold. Closing your curtains limits heat loss, and provides an extra barrier against the elements. Your boiler will thank you and therefore, so will your heating bill.

For windows that open, use selfadhesive strips to seal up any gaps around the frame, and use a soft, silicone sealant for windows that stay closed. Doors can be given similar treatment, but for floor level openings, it may be simpler to employ an old-fashioned, ‘sausage dog’ draught excluder. Letterboxes and keyholes are also classic sources of draughts. Plug them respectively with letterbox brushes, and keyhole covers.

Keep your curtains closed


Draught-proof doors and windows

home solutions




If you have radiators fixed to external walls, slide a layer of tin foil between wall and unit to reflect as much heat as possible back into the room. Pick up special heat reflector aluminium foil to maximise retention, and remember that hanging clothes on a radiator forces it to work twice as hard. Regular bleeds will ensure your radiator performs optimally. Run your hand over your unit - if it’s cool at the top and warmer towards the bottom, it’s bleeding time.

Picture the scene: You crawl out of bed on a frosty Monday morning, and amble to the bathroom for a shower, only to be deluged by the domestic equivalent of the Ice Bucket Challenge. You do not want your boiler giving out in early February. Check the pressure (it should be at around one bar), and ideally get your unit serviced every autumn. If you don’t schedule in maintenance for your boiler, your boiler may end up scheduling it in for you.

To stop wet, wind, and, in some cases, heat-seeking rodents from sneaking into your home uninvited, use foam adhesive and caulk to plug gaps in walls and skirting boards. High quality sealants are easy to peel off if you make a mistake, but once hardened should hold firm for many years.

Install foil behind your radiators


Insulate everything (but mostly your plumbing)

There’s not much you can’t insulate these days, but plumbing should always be your first port of call. Exposed pipes can be snugged up with slip-on foam tubing (available at most hardware stores), while boilers and water tanks can be easily dressed with jackets. A jacket costs £15-20 and should come with instructions (make sure you’ve measured your unit before you buy), and will slash your winter energy bills by reducing heat loss. According to the Energy Saving Trust, it should pay for itself in about three months. Wall, floor, and loft insulation are similarly worthy projects, but may require professional installation for all but the most experienced DIY-ers.

Service your boiler


Clean out your gutters

Gutter-clearing is not a glamorous occupation, but fallen leaves and sticks can easily result in a clog, and the ensuing build-up of rainwater can cause damp to seep into your walls. Get the ladder out, strap your gloves on, and prepare to get down and dirty. When your gutters are clear enough that water flows unimpeded, you’re good to go.


Paper over cracks


Keep the slush away

When you cross the threshold, you don’t want winter coming with you, and if you don’t have a mudroom, you’re going to have to tackle the weather head-on. A rough-textured doormat will help shed mud and gunk from your shoes, a boot scraper is a must in rural environments, and a plastic boot tray should protect your indoor floor..

TIP TEN Snug up!

At the end of the day, nothing cosies up a long winter evening like traditional home comforts and hygge. Pile on the blankets, set a fire going, brew some hot cocoa, and throw on some Dean Martin. Bliss.


Use a thermostat to regulate your heating

Even if you’re a card-carrying technophobe who thinks Alexa is basically Skynet, it’s worth stretching a point for a modern, programmable thermostat. The inbuilt timer will allow you to schedule your home’s heating, so it powers down when you go out, and turns on automatically on your return - a boon for your living room, the environment, and your bank account. PROPERTYMAIL / 21

interior design

Baby its cold outside aye its flipping freezing! With Hayley Perkins, Interior Design Consultant for Jewels Canley Interiors


o shut out the cold and get cosy with sumptuous layering and some heavy weight curtains. It’s a drafty time of year, so sales in door curtains for us has risen and the need for interlined curtains especially in older properties is always a lot more popular this season. Also with utility bills rising it makes sense to hold the heat in where possible. Lots of layering will definitely be required as it seems we may be getting some snow very soon – woohoo snow day =day off. Hope my boss isn’t reading this! So by now after talking about all this cold weather I’m sure there are a lot of people out there that have now decided that their grey interiors are just feeling a little too stark and cold looking, especially as we are now in winter. But if you feel that you don’t want to go for anything drastic or too dark then I suggest switching to the warmer side of the neutrals by going back to beige.(not an Amy Winehouse song) A great decorating tip that I love to do to make a room seem cosier is to paint the ceiling in the same colour as the wall. What this creates is a cocooning effect in the room but it doesn’t mean that the ceiling will feel lower, if anything it makes the wall keep going as you don’t have the contrast line of the white ceiling. This works


brilliantly with light and mid tones. Throws are acceptable! When the family/friends are coming over, don’t feel you have to remove all your protective throws to show off your lovely furniture underneath, keep them safe from nannas weak bladder, kids sticky fingers & dog slobber. Christmas is not the time to show off your furniture. Instead have the protection of some gorgeously stylish faux fur throws – most you can wash in the machine now – which you can get reasonably priced too.

We are back open & have even more fabrics to choose from!

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Home Design With Steve Bloom, founder of Space fitting furniture.


ust when we thought 2021 started its nearly all over! Let’s welcome 2022 with renewed spirit. Here at Space Fitting Furniture have had a hugely busy year. Everyone is re vamping their homes. We are designing everything in the home, not just kitchens. We are helping people with major renovations and changing their lifestyle and aesthetics, to improve their quality of life. These photos are from a project we completed last year. We designed the interiors for the whole home and supplied most of items, including kitchens, bedrooms and bathrooms, curtains, blinds, wallpaper, furniture and decorations. We would love to help and inspire you to make your home your dream desire. Spaces @spacefitting furniture would like to take this opportunity to wish all our past, present and future clients, a very Happy and most importantly Healthy New Year. We look forward to welcoming you into our office to start creating your home into your own luxury, aspirational, paradise.





WWW.SPACES-DESIGN.CO.UK INFO@SPACES-DESIGN.CO.UK 02920 756840 Follow us on instagram @spacef itting




Bathroom Design

With Justine Bullock, Director & Designer at The Tap End Bathrooms, Pontyclun

CASE STUDY Client My clients had recently moved to Cowbridge and were starting a full home renovation that included a shower room, cloakroom and master ensuite.

Brief The brief was to create a luxury master ensuite, in very neutral colours with natural stone throughout.

Designer Justine Bullock, Director & Designer at The Tap End Bathrooms, Pontyclun



Must-haves included a separate bath and shower, and the clients were open to a freestanding bath and walk in shower. With the freestanding bath I selected a classic style and sited it central under the window. To make the most of that feature I suggested that instead of a small door into the room, to have double doors that would again be centre to the window so when you enter the space the bath immediately draws your eye. I think this works well in creating a focal point and it gave the opportunity for a central pendant over the tub. I knew my clients were open to having natural stone and that they wanted a very neutral scheme, so I presented a white, honed marble in a linear brick for behind the bath and a larger rectangular shape for the remaining walls with a partner skirting tile for the painted walls. Together they all work well to create an overall neutral base but with subtle interest in the change of format for the separate areas. The walk in shower was huge, and instead of a tiled wetroom that would have been difficult to clean and maintain with white grout I specified a textured shower tray in white that we fitted flush with the floor tiles for a walk in set up without the hassle. We always ask for a brief and budget from

our clients and try and use the budget in the best way to achieve the brief. Often, we will suggest things that the client would not have previously considered. In this case the boxing and window sill area was topped with a bespoke quartz top that provides a high end finish and prevents the need to use any tile trim up and over the boxing/sill area. We also did corner tiled in bottle shelfs in the shower area from the same material. This is where a designer can give you added value to your project. By using a designer, you will end up with a more personalised result and save time and often money in the long run. For these reasons we were not surprised to learn that in a study consumer review site Which? put independent bathroom retailers top of the customer score board for the ‘best places to buy your new bathroom’. If you have a bathroom project to undertake, get excited about it. Our top tip for introducing features is; don’t forget to consider what you see when you walk into the room. As you will see from this case study the double doors into the space make the entrance grander and the bath a true feature. We just adore the freestanding bath area and the large shower area. Put simply… we love bathrooms, and you should love yours just as much as this client now does!




AFTER 3D Visual


The Tap End 57 Llantrisant Road, Pontyclun, CF72 9DP Tel; 01443 449056


Interior Design

Contemporary Danish design has never been so close to your home. Meet the team at Bo Concept in Cardiff Everyone in our Cardiff store are Interior Designers, bringing individual backgrounds and experiences to create a range of bespoke designs for our clients. Our tight knit team are set on providing a personal and tailored customer service to ensure your needs are met. Lianne Okotie – Design & Sales Manager Having a background in interior design and travel I have been lucky enough to experience different cultures and take inspiration from their interiors. Now when working in design I believe it is important to have a sense of luxury in your home. This can be through a beautiful handmade comfy rug, snuggling down with one of our throws or a beautiful, scented candle to create a calming scent. A bit of luxury never goes a miss any time of year.

Daniel Doyle – Interior Designer and Sales Consultant Having just moved from Ireland to Wales to pursue a career in interior design, I like to take risks and step out of my comfort zone. My designs focus on a few key, bold pieces in every design that I create. Minimalist but impactful. This tends to be in the form of a statement sofa or dining table, well accessorised, to be the focus of any space. These spaces function for everyday life, but also bring a room alive on any special occasion.

Eleonora Piga – Senior Interior Designer and Sales Consultant Having a strong background in the organising of spaces, I consider the layout of a room to be the key to functional living. Many people’s dream house looks like a large open plan space where all the family can work, live and play together, but it can also be difficult to zone large rooms. When I work on a project, I like to learn about the family’s lifestyle first, as well as how they circulate within a space. With this precious information, I can design living spaces deeply tailored to its occupants.

Jaisy Davies – Interior Designer and Sales Consultant Currently studying a PhD in Art and Design Research. When it comes to designing a space for my clients, I believe it is crucial to consider what is important to each individual. My own homes take a lot of influence from nature, using deep earthly greens and natural materials. This makes a space personal, comforting and a space where you want to retreat and relax. Therefore, it is so important for me to get to know my clients to create a design that suits them.

Charlotte Lloyd – Parry – Interior Designer and Sales Consultant Having recently finished my degree in Interior Architecture and Design, I find that the most important way to start designing is to focus on spatial planning and understanding how each aspect of a design can work together. Knowing my client’s needs and understanding the space, allows me to design specific spaces that are functional and aesthetically pleasing while setting boundaries amongst space. Simply zoning spaces within a room can be done with the effortless addition of a rug to set a dividing line, the use of colour to separate or pull rooms together or using key pieces of furniture to create contrast and diversity within every home.

Ellie Dix – Interior Designer and Sales Consultant I have a background in upholstery, which has opened me up to the world of interiors. Now working as an interior designer, I have a whole new appreciation for different elements of design. I like to work with different textures and colours in a space, creating a unique design and layering accessories to give warm, homely feeling to my designs.






64 Grand Arcade, St. Davids Dewi Sant, CF10 2EF 029 2034 3704 |

Mortgage Knowledge Mortgage Questions & Answers Get all your mortgage questions answered with our resident mortgage adviser Gareth Adams-King of UK Mortgage and Protection.

Q do I need an adviser?

if you’re looking to remortgage, how many people renew their car insurance with the same provider? According to UK Finance more than 1 million homeowners renewed with their current provider in 2019, the data suggests they could’ve saved money by switching. Your bank may seem like the simple option, but the smart option is seeking out free advice and seeing how much you could save in time, money and stress by speaking to an adviser.

I can arrange a mortgage myself, why

A advice and will find you the best

Simply put, most advisers offer free

possible solution for your own specific circumstances. There is no one size fits all and your bank will not necessarily reward your loyalty, no matter how long you may have been a customer with them. A broker can take the stress out of the whole process, save you time and reassure you whilst being on hand throughout to help with any questions you have. Whether you’re buying a house, moving, looking to raise money for home improvements or looking to clear debts, an adviser will help you understand the whole process and will have access to a wide range of banks, building societies and specialist lenders. The main reasons to use an adviser are to save yourself money but also to get advice on what product, term and rate is best when considering your current circumstances and plans for the future. As of November 2021, there are over 4,300 mortgage products available for first time buyers. This minefield means the chances your bank are offering the best rate is very slim. It’s just as beneficial

Q What does a mortgage adviser do? A mortgage advisor will take time to your situation, assessing Ayourunderstand income, outgoings and your future

plans. They will source the market for the best deal relating to your current circumstances to give you an idea of how much you can borrow and what your monthly payments would be. Your advisor will then use the information gathered to apply for a mortgage on your behalf to the specific lender that’s going to give you the best deal. They’ll correspond directly with your mortgage lender, estate agent if applicable and can also help you find a solicitor. When your mortgage completes


your adviser will get paid a fee from the mortgage company, rest assured you won’t pay any more overall than if you went to the lender directly.

Q When should I speak to an advisor? It’s important to speak to an advisor A before deciding to buy or before

your fixed rate ends. If you’re a first-time buyer, the earlier you know what you can borrow and what deposit you need, the better chance it gives you of finding a property in your price range. With so many people competing for a small amount of houses it’s important to know exactly how much you can borrow. Getting an adviser to run a decision in principle early in the process will put you in the best position to be able to purchase the home you want. If you’re remortgaging it’s best to get in touch with an adviser 3 or 4 months before your rate ends to avoid your payments increasing. It’s important to understand that a mortgage adviser will be looking to take you on as a client not just for now but for the future, they will be there to help you through every remortgage, move and life event that comes your way.


Please call us or freephone 0808 178 or email Fitzalan House, Fitzalan Court, Fitzalan Road, Cardiff CF24 0EL T:2773 02922 680668 W: E: Your home (or property) may be repossessed if you do not keep up repayments on your mortgage. UK Mortgage and Protection Ltd is an appointed representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Condct Authority No:931473. UK Mortgage and Protection Limited is registered in England & Wales no:07723447.



Tel: 02920 484 144



Protection & Trust Knowledge Questions & Answers Get all your mortgage questions answered with our resident protection & trust adviser Kristien Harrison Director of UK Mortgage and Protection.

Q right for you?

away. *Source: Royal London 2020 risk report. 40 year old female non smoker. 4% chance of dying compared to 48% chance of being off work for 2 months or more due to illness or injury before reaching a retirement age of 68.

How much is enough and what is

A your loved ones, who can determine

When is comes to protecting you and

how much protection is required to support both yourself and those closest to you, especially when help is needed at the most crucial time. Your adviser can provide you with an in depth knowledge of different providers in the market place, they can be your educated guide to what is right for you and work within your budget. Comparison sites are price driven, but is cheapest always the best when there are such a vast number of providers offering varying types of cover? You may want to cover your mortgage and other commitments in the event you were to pass away, but what if you were to suffer an illness? How long could you realistically maintain your lifestyle and meet your mortgage/rental payments and or other commitments if your income were to stop due to illness or injury? Life cover may be relatively cheap in comparison to critical illness cover or income protection, but whilst this is important, the likelihood of you suffering an illness during your mortgage term is statistically more likely than you passing

can I trust a provider will pay out Q How in the event of a claim?

A providers will produce their annual The vast majority of Life Insurance

claims statistics and it should be noted that very few providers actually pay out 100% of the claims made to them. This can be for a number of reasons, such as ‘misrepresentation’ where an individual may not declare their medical history or this maybe inaccurate. Or a claim may simply not meet the ‘definition’ specified by the insurer and an individual may be claiming for something they are not covered for. To ensure your policy will meet your expectations and requirements, your adviser will ask a series of medical questions and navigate a suitable policy that not only provides good value for money, but gives you the essential cover you require. Common misconceptions are that all Life Insurance policies are the same, but this is the


contrary and they can vary greatly. Some may cover just death benefit, however other providers may include a terminal illness benefit, or furthermore a critical/ severity illness benefit. Other policies may provide children’s critical illness benefit, whilst some can provide income protection for short term or longer periods of time if you are unable to work due to illness or injury. do I need a trust for my Q Why protection policy?

A estimated. Your adviser can provide

The need for a trust cannot be under-

their expertise in this complex area, so that in the event of a successful claim being paid out, it is vitally important in getting money into the right hands at the right time when its needed most. A trust can be an essential inheritance tax planning tool, but also can ensure any benefit is paid directly to your spouse or your chosen beneficiaries without lengthy probate delays. Trusts can ensure the proceeds of a claim do not enter into the estates of potential beneficiaries and therefore could not be subject to potential outside influence such as divorce, creditor claims or bankruptcy.


Please call us or freephone 0808 178 or email Fitzalan House, Fitzalan Court, Fitzalan Road, Cardiff CF24 0EL T:2773 02922 680668 W: E: Your home (or property) may be repossessed if you do not keep up repayments on your mortgage. UK Mortgage and Protection Ltd is an appointed representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Condct Authority No:931473. UK Mortgage and Protection Limited is registered in England & Wales no:07723447.





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Thinking of letting your home to make some cash? Here’s how to give it some winter sparkle Staycations have boomed this year, so if you’re considering letting out your home soon, you might want to give it a winter makeover. By Vicky Shaw, Property Mail’s personal finance correspondent


finance letting


enting out a property can be a good way to generate some regular extra income – particularly as UK-based staycations have boomed this year. Whether you own a holiday let property, or you’re considering renting out your own home occasionally, there may be some ways to boost your chances of attracting bookings throughout the year – not just in summer. Bev Dumbleton, chief operating officer at Sykes Holiday Cottages (, has some tips for maximising bookings during the winter months – traditionally considered the low season. She says: “Certain added extras tend to appeal to holidaymakers when it’s colder – the key is to ensure the space is cosy. If it’s something you can afford to do, it could be a worthwhile investment.” Sykes’ data suggests hot tubs can help generate more earnings, while woodburning stoves and open fires also often attract guests over the colder months. But if it’s not cost-effective to spend on such amenities, there are cheaper ways to make your property appeal to staycationers. “For example, providing blankets, putting rugs down on wooden floors to add warmth, or even ensuring there are lots of games to pass the time on cold and rainy days,” recommends Dumbleton. Widening your target audience could also help – Dumbleton suggests highlighting scenic walking trails nearby, for example, or it may pay to market the property

Christmas markets bring more guests

as a cosy couples’ retreat, or somewhere friends can get together for a catch-up. If your home is near Christmas markets, it could be a perfect base for people looking to buy festive gifts as part of their break. Make sure to show off the full range of activities available in your area – come rain or shine. Allowing shorter bookings can also help in winter, as guests are often looking for a midweek or weekend break. Sykes’ data suggests owners allowing shorter breaks could potentially boost their earnings by 30%. View this post on InstagramA post shared by Sykes Holiday Cottages (@sykescottages) To secure top reviews – ultimately leading to more bookings – make sure you tackle any lingering DIY jobs, such as leaky taps, and ensure the heating is running smoothly. If you’re considering renting your home out for the first time, it’s vital to speak to your insurer and your mortgage lender. You need to consider the tax implications and legal responsibilities of renting out a home. More information to help you consider your responsibilities can be found at the UK Government-backed MoneyHelper website ( as well as at and on estate and lettings agency body Propertymark’s website (

Bev Dumbleton, chief operating officer at Sykes Holiday Cottages


Ask The Agent Home Selling Myths......Busted (part 2) Get all your Flower, legal questions withofour resident&solicitor By Nichola Owner answered and Director Stephens Partners Estate Agents

When it comes to selling your home, there’s a lot of overwhelming information and old wives tales out there, and it can sometimes be difficult separating the fact from the fiction. Advice often comes from well-meaning friends or family members who are just trying to be helpful, but in reality, they are not property experts! Our team at Stephens & Partners Estate Agents are all experienced property professionals with many years of experience between us. So, to ensure you are in possession of the correct information, here are some home selling myths you’re likely to hear and why they’re not to be believed.

The Estate Agent With the Lowest Commission is the Best Option While you’ll naturally want to earn as much money from your property sale as possible, it doesn’t mean you should sign a contract with the estate agent who offers the cheapest fees. Selling a property can be a very stressful process. A good estate agent will help make it run as smoothly as possible while communicating effectively and providing outstanding service. They may even be able to negotiate a higher price for you, so it’s crucial you weigh up what’s included in their fee. Although it’s tempting to cut costs as much as possible in the short term, you might come to regret it over the longer term, especially if your property isn’t selling.





Major Renovations Will Offer the Biggest Return on Investment Many homeowners are under the impression that if they spend a few thousand pounds on a conservatory, a swimming pool or a landscaped garden, they’ll just be able to add the cost of it to the house when they come to sell. Sadly, it’s not quite as simple as this. Not all buyers will want to maintain a pool or require the space that a conservatory ultimately takes away from their garden, for example. Many buyers prefer to start with a blank canvas too, so they can add their own renovations. That’s not to say that a major renovation is a bad idea, but if you’re only doing it to see a return when you come to sell, then it might be worth considering the type of renovation or extension that will bring you the best returns.

It’s Not Worth Fixing the House up at all If you’ve decided to sell your property, it’s understandable that you won’t be thinking about spending even more money on it. After all, it won’t be you seeing the benefits long-term. This logic is flawed, though, and it could cost you when it comes to getting the full asking price. A property that’s well maintained and looked after is far more

appealing to buyers. Fixing broken fences and gates, tidying the garden, replacing broken windows or doors and giving any tired rooms a fresh lick of paint will go a long way towards selling your property for its true value.

Online Valuations are 100% Accurate Online valuations are a fantastic tool and we are most definitely in favour! However, a quick online valuation of your property should be used as a guide. Online tools don’t always take into account the condition of a property or the extra value you may have added. They’re simply using other similar sized and types of properties in your area as a guideline. The best way to get your property valued is always to contact an experienced, local estate agent who will come and value your property in person. Stephens & Partners Estate Agents are your local property experts for the Cardiff area. Call us on 029 2022 7603 or email to chat with a member of our friendly and experienced team.

Landlords... 1 month’s rent for 1 week’s occupancy


We URGENTLY need more properties as demand has outstripped supply. Call now for more details. T: 029 2022 7603 W: E:

Legal Knowledge Legal Questions & Answers

Q says the lease is very short, about 65 We want to buy a flat but the agent

years he thinks, and he believes that is why the flat is cheap. He also says we may be able to extend the lease but has given no other information. The flat is lovely and we want it. We have never bought a leasehold flat and don’t really understand why it is so cheap. Does it really matter or should we walk away? Could we extend the lease easily?

A decreases as the length of the

The value of the property usually

residential lease gets shorter. You are unlikely to get a mortgage on the flat in view of the short lease, and even if you could get a loan, the terms on the loan are unlikely to be favourable. Establish whether the landlord is prepared to grant a new lease to the seller, which should be completed before, or at the same time that you complete the purchase of the flat. If you are likely to get a longer lease at completion, a lender may be prepared to lend to you. If the landlord will not do this, then provided the seller has owned the flat for at least two years, they have a statutory right to extend the lease,

although there are some exceptions. The seller could start this process by serving an initial Notice on the landlord, the benefit of which can be transferred to you on completion. This is a complex and often costly procedure, but genuinely worth it as the value of the flat is likely to increase once the lease is extended. Instruct a solicitor who is specialist in this field. You will need a specialist surveyor too. daughter lives in the top floor flat Q My of an Edwardian terraced property in

Roath. There are dormer windows and a skylight in the roof which we believe were in place when the 999 year lease was first drawn up back in the 90s. Are these dormer windows and skylights a shared cost when it comes to doing repairs, which at least one dormer badly needs

A standard template. Your daughter Leases vary and as there is no

should check the terms of hers before she does anything about the work required. The flat in which she has a leasehold

interest will be referred to as the demised premises. The lease should define the extent of those premises and should also define the common parts of the building. The lease should also impose express repairing covenants on the leaseholder and landlord. Look carefully on the description of the demised premises and at the leaseholders repairing covenants to see if the dormer windows and skylight are mentioned. Your daughter will be responsible for repairing the demised premises. Generally the landlord is responsible for the repair and fabric of the building which usually means the structure and exterior, including the roof and windows. If responsibility for the dormer windows and skylight is not covered specifically in the lease, examine the general repairing covenants in the lease to see if they assist with your query in any way. Though the dormer windows and skylight presumably only serve your daughter’s flat they are still part of the fabric of the building, and so arguably are also the responsibility of the landlord.

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Property Knowledge Property Questions & Answers

Q I am shortly moving house and was wondering who I should contact to advise of my forthcoming move? Once contracts have been exchanged in the sale of your home, confirmed by your solicitor and the date is set for completion, A (i.e. the date you are actually moving out), you are in the position to inform utility companies, friends and family of your new address. Listed below is a check list that will enable you to keep track of who you have informed, when, how (i.e. email/ telephone/post) and contact name. Keep it handy. CHANGE OF ADDRESS CHECK LIST Our check list will enable you to keep track of who you’ve informed, when, how (i.e. email/phone/post) and any contact name. Keep it handy. Who informed Gas company Electricity company Water provider Telephone provider Mobile phone company Broadband provider Digital TV/cable/satellite provider TV Licensing Authority Building Insurance Company Contents Insurance Company Bank Building Society Credit Card companies Store card companies Loyalty card companies Share organisations Doctor Dentist Optician Medical insurance company Osteopath Health clinics Rentals organisations Motoring organisation DVLA Council Tax office Social Security office Job Centre Passport office Employer National Insurance office Inland Revenue Pension office Nursery/playgroup/pre-school School Music/dance/swimming/other teachers Magazine subscription companies Charities Sports/social clubs Other recreational organisations Online account companies Royal Mail Family & Friends




Do not forget to contact The Royal Mail for redirection of your mail. It can cost as little as £5.75 a month to redirect your mail for 3, 6 or 12 months. Action Fraud recommends redirecting your mail for at least a year, to significantly reduce the risk of identity fraud. You can sign up on line, by post or at your local Post Office branch.

Copyright of Kelvin Francis Limited. May not be reproduced, without consent.




Tony Filice, Spokesperson for the Royal Institution of Chartered Surveyors, Wales Residential and Director of Multi Award Winning Kelvin Francis Limited, Cardiff.

Property Knowledge Property Questions & Answers

Q I am shortly moving house and was wondering who I should contact to advise of my forthcoming move? Once contracts have been exchanged in the sale of your home, confirmed by your solicitor and the date is set for completion, A (i.e. the date you are actually moving out), you are in the position to inform utility companies, friends and family of your new address. Listed below is a check list that will enable you to keep track of who you have informed, when, how (i.e. email/ telephone/post) and contact name. Keep it handy. CHANGE OF ADDRESS CHECK LIST Our check list will enable you to keep track of who you’ve informed, when, how (i.e. email/phone/post) and any contact name. Keep it handy. Who informed Gas company Electricity company Water provider Telephone provider Mobile phone company Broadband provider Digital TV/cable/satellite provider TV Licensing Authority Building Insurance Company Contents Insurance Company Bank Building Society Credit Card companies Store card companies Loyalty card companies Share organisations Doctor Dentist Optician Medical insurance company Osteopath Health clinics Rentals organisations Motoring organisation DVLA Council Tax office Social Security office Job Centre Passport office Employer National Insurance office Inland Revenue Pension office Nursery/playgroup/pre-school School Music/dance/swimming/other teachers Magazine subscription companies Charities Sports/social clubs Other recreational organisations Online account companies Royal Mail Family & Friends




Do not forget to contact The Royal Mail for redirection of your mail. It can cost as little as £5.75 a month to redirect your mail for 3, 6 or 12 months. Action Fraud recommends redirecting your mail for at least a year, to significantly reduce the risk of identity fraud. You can sign up on line, by post or at your local Post Office branch.

Copyright of Kelvin Francis Limited. May not be reproduced, without consent.




Tony Filice, Spokesperson for the Royal Institution of Chartered Surveyors, Wales Residential and Director of Multi Award Winning Kelvin Francis Limited, Cardiff.













Get some space in your life.

Want to get your home as clean as a hospital? Here are some simple tips from NHS cleaners From shifting grease marks with lemon juice to killing germs with white vinegar, these are the tricks hospital cleaners use to clean their own homes. By Lisa Salmon


he pandemic means it’s never been more important to keep our homes as clean as possible. And while keeping them as germ-free as a hospital may be a step too far, it’s certainly something to aspire to.

mental wellbeing, and millions are cleaning more regularly than they did before the pandemic, psychologists are concerned about people taking their ‘Covid cleaning’ too far and becoming obsessed with it.

But while new research by disinfectant company Hydrus Hygiene ( suggests nearly half (47%) of people in the UK say keeping their home clean and tidy improves their

“A clean and tidy living space can reduce stress and anxiety, leaving you feeling more energised and positive,” explains psychologist Dennis Relojo-Howell, founder of the online psychology


platform Psychreg ( “However, things should be done in moderation, as many health psychologists warn overcleaning can have an impact on people’s mental wellbeing. Cleaning shouldn’t just be a coping mechanism, as this could start to exacerbate your stress, rather than reduce it.” Although it’s best to try not to become

home cleaning obsessed with cleaning, it’s definitely worth doing it well when you do pick up a cloth and cleaning spray. And who better to take a few good cleaning tips from than the army of NHS Property Services ( domestics who help keep NHS hospitals spick and span? “We’ve all witnessed how important keeping ourselves and our homes clean has been this year as the pandemic has continued to impact us,” says Sonia Marina Santos, domestic team leader for NHS Property Services health centres in the Cambridge area. “We’re beginning to open our homes up to family and friends, and this means keeping cleanliness front of mind is more important than ever, particularly as we approach what could be a challenging cold and flu season. “As cleaners within NHS Property Services, we want to share our key tips on how to keep your home as clean and safe as we keep our NHS facilities – by keeping our homes clean and doing what we can to prevent the spread of any forms of disease, we can all play our part in keeping our loved ones safe.” Here are a selection of tips from domestics at NHS hospitals and clinics around the country…


Cleaning the bathroom

To give bathroom tiles a great clean, put some bleach on a cotton bud and rub it along the grout in places where you see mould, suggests Charly Giles, a domestic assistant for NHS facilities in Portsmouth. “After a couple of minutes, rub another cotton bud along the grout to absorb the bleach and wipe away any mould residue and they’ll be as good as new. “While you’re doing your bathroom spruce-up, pour some bicarbonate of soda down your sink plug hole and watch it quite literally bubble away all the dirt. It leaves your plug holes looking clean and even makes them smell really nice, getting rid of any bad bathroom smells – bonus!”


Cleaning the kitchen

Another domestic assistant for NHS facilities in Portsmouth, Colleen Brain, says using lemon juice is a great way to clean stubborn grease stains in the kitchen. “It’s quick and easy, and loosens grease up before you clean, making your chores a lot easier,” she says. “As a nice bonus, lemon also makes your kitchen or bathroom smell inviting and fresh – no wonder so many cleaning products are lemon scented. It’s a great environmentally-friendly alternative to use the real thing when you can!” And for cleaning the oven, simple soap and washing up liquid can work wonders, promises Maureen Giles, a domestic at Werrington Health Centre in Peterborough. “If you’re like me and keep putting off cleaning your oven, just take out all the shelves, pop them in a shallow tray of soap, hot water and washing up liquid, and leave them for as long as you can. When you come to scrub them clean, the build-up just comes right off.”


Cleaning the living room

For hard-to-reach places behind sofas or cabinets, use a little hand brush to clean, suggests Dawn Cromack, a domestic assistant at Cleveland Health Centre. And Kelly Barton from the Integrated Care System (ICS) South Cumbria & Lancashire, adds: “When you’re dusting, carry a spray bottle of water and spritz your brush to prevent dust from flying into the air or falling from high areas.”


Cleaning wooden furniture

Don’t forget to clean the wooden furniture in your home, says Lee Pearson, a general assistant at St Charles Hospital in London. “A lot of people often forget wood needs cleaning regularly too – dust and germs can collect there as we use and touch our furniture so often,” he points out. “I use mineral spirits on a simple microfibre cloth to remove the dirt and lift it off almost instantly, and then a

little eco-friendly trick is to add some essential oil (I like lavender) to furniture polish to give it a final buff. It looks great and the oils smell wonderful for a long time. In winter, I like to use warm and homely essential oil scents like orange, clove and cinnamon in my cleaning – they make my home smell like Christmas.”


No need for harsh chemicals

Look for readily available cleaning ingredients in your home, suggests Piotr Kolenda, a domestic assistant for the NHS in Portsmouth. “There’s no need to use harsh chemicals if you have two of my favourite cleaners at hand – simple white vinegar and bicarbonate of soda,” he says. “These are fantastic for so many things, but I love using them to remove stubborn stains quickly. After a few minutes their smell goes away, so you’ll never even know they were used as cleaners – but the results are brilliant.” And Sonia Marina Santos adds: “Some people may not know that white vinegar is a very good disinfectant. When you come home from shopping, rinse your fruit and vegetables in a mix of water and white vinegar to kill germs instantly – this is a great eco-friendly way of keeping germs at bay. You can also rinse packaged food the same way after shopping to stop germs spreading through touch, especially during the winter when colds are looking for easy ways to spread.” And that’s not the end of white vinegar’s talents, says Lorraine Beer, a domestic assistant from Barking Community Hospital. “I swear by cleaning windows with white vinegar in lukewarm water. Dry them off with a kitchen towel and they’ll glisten,” she promises.


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Business Owner & Director Since appearing in the Proper ty Mail I can honestly say our company profile has gone from strength to strength. We know when the magazine has been printed, as our web hits go up dramatically. I get regular calls from Vendors asking for more information after picking up the magazine in the supermarket and we always see the magazine on the coffee tables of clients when we are valuing their home. It’s so good to be able to offer our clients an additional way to market their home. Like all other agents we are on all the regular proper ty websites, but to be able to get our clients homes in front of even more potential purchasers is something that vir tually all other agents have forgotten, which is why our marketing has proved to be one of the best in the region.

THE TAP END Justine Bullock Co-Creator and Designer We have used the Proper ty Mail for our local adver tising for around two years. Mitchell and the team know and understand our needs and are always on hand if we have any questions about our adver tising. They are a great team who we enjoy working with! Clients often comment on how much they enjoy reading the magazine, and we couldn’t be happier with the results. For us, we wanted to find local adver tising that was flexible and allowed us to run different types of adver ts based on our current/ completed projects, we are thrilled with how many people seem to recognise our company logo and how the magazine has resulted in more social media hits as a result.


Matt Tebbutt by Katie Wright The chef and presenter chats to Property Mail about the celebrities who’ve left him star-struck, and how his telly job inspired his latest cookbook..

Classically trained top chefs don’t eat instant noodles. Or do they? Matt Tebbutt – who studied at the renowned Leith’s School of Food and Wine before working under legends like Marco Pierre White and Bruce Poole – begs to differ. “Have you ever been to Chick ‘n’ Sours (” Tebbutt asks on a video call from his home in Wales, holding up a beige cardboard tub from which he’s just slurped a speedy lunch. “It’s a fantastic fried chicken place in London by a guy called Carl Clarke, and he’s bought out these Future Noodles (futurenoodles. com). They’re a bit upscale, but still a pot noodle.” The Saturday Kitchen host needed a quick foodie fix this afternoon. He’s got a busy day of promoting his new cookbook, Weekend, then he’s dashing off to London to film another TV series. “The TV thing just sort of happened by luck,” says Tebbutt, who quit the Michelinstarred kitchens of London to run gastropub


The Foxhunter in Wales with wife Lisa for more than a decade, before he was asked to stand in for former host James Martin on the much-loved BBC show. “I spent a lot of time running between the restaurant and the media side of things, and eventually it just sort of spiralled, so here we are… I’m just gonna let my cat in!” he says, jumping up. Seconds later a black and white feline leaps into view and settles on the arm of the sofa. After the “seismic shift” from full-time chef to TV cook (he took over from Martin permanently in 2016) – does Tebbutt ever miss the adrenaline rush of restaurant life? Not really, is the answer: “I’m 48 at Christmas. Your average head chef is 25 now, so it is very much a young guy’s game because of the nature of the job and the hours.” Hosting a live TV show is, in comparison to the breakneck pace of restaurant service, a breeze. Buckinghamshire-born Tebbutt’s weekend starts on Friday morning with rehearsals, recipe testing and researching

that week’s celebrity guests, then it’s early to bed and absolutely no booze allowed. “I’m usually lights off by nine. I don’t eat, I don’t drink, because I know I want to get as much sleep as possible. And then my alarm goes off about half-past five on a Saturday, and we start rehearsals at about seven. We do the whole thing, and then we do it all again. So by the time you see it live we’ve covered it once, and we’ve done the food twice.” Was he nervous about following Martin at the helm of the programme – loved by everyone from hungover students and frazzled parents in need to comfort telly, to fervent foodies looking for cooking inspiration? “Massively,” Tebbutt says. “I mean, he was adored, so it was a big ask, but then you think, ‘Well, I’ve got to give it a try’. How can you turn that down? If people liked it, then great. If they didn’t, then they’d soon tell you.” Speaking of which, some viewers weren’t happy about recent Saturday Kitchen guest,

food & Drink

Rick Stein, saying on the show: “What I like about female chefs is that they’re very practical, they stay within what they’re capable of doing and they do it well.” “There’s something written most weeks about something on the show and it’s largely clickbait,” Tebbutt says with a sigh. Defending Stein, he insists: “He said, ‘I want to see more women in kitchens, because they bring a different energy’, that’s what I remember him saying.” But he’s aware everything is open to interpretation: “You could say one thing and somebody will get upset and somebody else won’t. You can’t really say much at all anymore without upsetting somebody.” And that’s the challenge of helming such a popular show: “The hard bit is remembering it’s on live TV, and not saying something inappropriate or swearing or something like that. Because you do get very relaxed.” Tebbutt says he get star-struck “all the time” by the famous faces pulling up a pew on Saturday morning – such as “Gary Barlow, obviously. That was great. Who else? Tom Allen. Love Tom Allen. He’s lovely. He’s hilarious.” The chef ’s telly gig also inspired his new book, Weekend, taking readers from Friday nights when you want “something tasty, but you don’t want to be too fussed with it”, through to brunches, big Sunday lunches, and puddings to impress guests. With the British chef offering his take on everything from marinated roast lamb and French onion soup to dim sum dumplings and South African bunny chow curry, it’s a wonderfully international mix. Tebbutt believes both chefs and home cooks “don’t have to stay in one lane, as it were. You can sort of dip in from here and there and everywhere. And some of the most delicious dishes are,

you know, a bowl of miso soup with some salmon dropped in, fresh ginger and stuff like that.” A big fan of Asian cookery, he got plenty of practice with Chinese flavours during lockdown: “Lots of recipes in the book are incorporating a lot of those elements that I really missed in restaurants. Braised pork belly and soy, or dishes laden with coriander and chilli and limes.” Aware of how lucky he was to continue working during the pandemic, Tebbutt relished the quality time he had with his children Jessie, 19, and Henry, 18. “We could go for walks for hours on end and not see a soul,” he says. “We sat in a garden, we demolished a lot of rosé. And it was nice, just spending time at home with the kids, cooking, doing recipes for the book.” Still, he won’t be hanging up his Saturday Kitchen hat anytime soon: “I think it’s the best job in the world. So I’ll happily stay as long as I’m asked.” Weekend by Matt Tebbutt, photography by Chris Terry, is published by Quadrille, priced £22. Available now.

Matt Tebbutt’s apricot Linzer torte This twist on the Austrian tart makes for an impressive centrepiece. “This is my take on a classic, lattice-topped tart that can be found in every bakery throughout Austria: delicious crumbly pastry with a sweet, jam-filled middle,” says chef and Saturday Kitchen host Matt Tebbutt. “I prefer to use apricot jam rather than the traditional redcurrant, because it is a touch sweeter.” pastry, put the flour, spices and 1 Tosugarmakein athemixing bowl. Rub in the butter using

your fingertips until the mixture has the consistency of breadcrumbs. Add the egg yolks, mixing well with a wooden spoon to just bring the pastry dough together. Alternatively you can put the flour, spices and sugar in a food processor, then add the egg yolks and pulse to bring the pastry dough together. Wrap the dough in cling film (plastic wrap) and chill for at least one hour in the fridge.

the oven to 180°C/160°C fan/350°F/gas 2 Preheat mark 4. Cut off one third of the chilled pastry and set 3 aside to make the lattice top. dust the work surface with flour and 4 Lightly roll out the larger piece of pastry to a three millimetre thickness and use it to line a 23–25 centimetre tart tin.

the lattice for the top by rolling out the 5 Make reserved pastry on a floured surface to a three

millimetre thickness. Cut it into 12 strips of 25 centimetres long and about one centimetre wide.

the apricot jam to fill the pastry case and lay the 6 Use pastry strips over the top one by one to form a neat lattice pattern. Trim the edges.


Put the raspberry jam in a bowl with the lemon zest and juice, mix well, then transfer to a piping bag fitted with a plain nozzle.

the jam into alternate squares of the lattice 8 Pipe top. On each square of the lattice now filled with

jam, place a blanched almond for decoration. Bake for 25–30 minutes, or until the pastry is crisp and golden brown. Leave to cool in the tin.

add a pretty touch for serving, 9 Ifdustyouthewanttortetowith icing sugar. Serve sliced with homemade custard or single cream.


INCREDIENTS Serves 10-12 175g (6oz) plain (all-purpose) flour, plus extra for dusting Pinch of ground cinnamon * Pinch of ground cloves 40g (1½oz) caster sugar * 115g (4oz) unsalted butter, softened 2 medium free-range egg yolks, beaten 380g (13½oz) apricot jam * 6tbsp raspberry jam Zest and juice of ½ lemon * 8–12 whole blanched almonds To serve: 2tbsp icing (confectioners’) sugar (optional) Custard or single (light) cream



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