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June 2021



Being able to visit a hairdresser again, after the restrictions were lifted , was such a relief. I missed having my hair done of course, but more than that, my regular appointment is both a chance to talk (“it all stays in these walls”, I’m promised) and a source of news from other walks of life. We are social animals, us human beings. Yes, we appreciate having TV, online shopping, social media and group calls, but their benefit to our wellbeing and morale is tiny when compared to physical interaction with other people. I know that there were a couple of occasions I went to a local shop for a change of scene and someone different to talk to, rather than because I couldn’t buy what I needed elsewhere. It cheered me every time. Shopping online is certainly convenient, but it’s often soulless. We are saving time, but to do what? To spend hours looking at our mobiles or watching TV? So just a reminder that using local shops is good for you, and is appreciated by the business owner so much more than any spending you do with detached online businesses, who know nothing about our town. Support your community by shopping there! In the meantime, I’m on a personal ‘eat out to help out’ mission. After all, nobody is having a good laugh and saying ‘cheers’ over a takeaway, are they? Going to a pub or a restaurant is an atmosphere, friends, people watching and no clearing up. Quick reminder: let me know about your events for July & August by the deadline - 7th June. So until next month,

Best wishes, Laura Special Offers

Please do read individual offers T&C's may apply

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Whitlocks Estate Agency Sargeant Carpets Farndell Estate Agent Coastal Carpets Wiltshire Farm Foods Helen and Ian Saul Solicitors Sussex React Ltd. Everything Bathrooms Premier Cleaning Solutions Comfootable Podiatrist Knights Dental Surgery Richard Pearce Hairdressing Lee Hobson Funeralcare Shape and Tone weight loss Aldwick Pilates Ace Sussex Cleaning Southern Co-op Funeralcare Conway Cleaning Aldwick Hotel - Afternoon teas Best Life Financial Planning Ltd. Headquarterz hair salon Lowen Electrical

In this issue 7 8 12 16 18 20 22 26 28 34 36 44 50 52 54 56 58 60 62 70 74 82 85

Advertise with us…….. …..it’s cheaper than you might think! Bognor Regis R.A.F.A. Club news; A roadmap to reopening A look into the past - Sylvia Endacott The Rose Green family - Rita Sen Solicitors June tide table Gardening in June - a summer break Are your knees sore? Maybe these tips will help Neighbourhood Watch - County lines Thinking of having some building work done? Read our tips on how to prepare for it A special anniversary - Ken Rimell Aldwick Parish Council newsletter Get on your socially distanced bike It’s the Tern’s turn at Pagham Harbour Cooking on a budget, with the Rotary Club The Bersted Buzz A lovely walk with 4Sight Vision Support Crossword Around Stansted Forest, with Jan & Sarah How to get whiter teeth A delicious summer recipe; Strawberry & cream éclairs Events are starting again - tell us about yours! Applying for a Mortgage?... Be prepared Tech Tip - It’s time to clean up your contacts

sussexviews@aol.com 01243 908908 www.sussexviews.co.uk



Bognor Regis RAF Association On the roadmap to reopening! As we hopefully come to the end of Covid-19 restrictions, The Bognor Regis RAFA Club in Waterloo Square is set for a new future. Subject to the Government’s roadmap being achieved, by the time you read this, we will have been able to open on a restricted basis and be looking forward to being fully open on Monday 21st June. A hard core of our membership has not been idle during the enforced 14-month closure. The priority when lockdown started was to set up a network of ‘Telephone Buddies’ to make and keep in contact with our more vulnerable members, many living on their own. It was not just the friendly voice on the end of a phone

that helped. Deliveries of medicine and groceries ensued, together with practical help given by volunteers where needed. These ranged from issues with gas and electrical supplies to necessary building works. Thanks to a grant from the Armed Forces Covenant Fund and the efforts of contractors and a committed team of volunteers, members will be returning to a refurbished and upgraded facility. Apart from the building benefitting from a complete rewire, fresh air air-conditioning has been installed in all the function rooms, together with an integrated IT entertainment and information system, donated by Baldwin HiFi of Yapton. 8

Catering facilities have been considerably enhanced with the replacement of the gas range with low energy electric hobs and ovens. Points have been provided, so that food can be kept warm and served in the main Function Room. All looking good for a return of all our activities as soon as we can, plus being better placed to do much more. Upgrading the catering facilities is not the only improvement that will make us greener. Solar panels are now providing much of our energy. Within the next few weeks, double-glazed windows, in keeping in style with the windows they are replacing, will have been fitted, making the Club more comfortable and much improving the energy efficiency of the building. Sadly, a number of our members did not survive to be with us now. Some too have suffered through illness themselves and the suffering and loss of members of their families. As for all people during this pandemic, we have not been able to give them the send-off we would have wished. They will be remembered. When circumstances allow, we will get together and pay our respects in full.


A look into the past with Sylvia Endacott This month my article is not actually about Bognor Regis, although it starts here! The story starts with the White Tower, situated on the Aldwick Road, behind the Royal Norfolk Hotel. It was built at the end of the nineteenth century as a seaside home for J.C. Hawes and his two brothers. Hawes was only 21 years old at the time. It was here, in May 2018, that I met a group of Pilgrims from Australia, two of whom unveiled a blue Plaque to John Cyril Hawes, who in 1898 designed and built the tower.

Australia. The Cathedral of St. Francis Xavier, was constructed between 1915 and 1939. In fact while the Pilgrims were in the UK, they were able to visit the foundry which was constructing a new set of bells for the Cathedral. During the building of the cathedral Hawes travelled by horse back to the outskirts, where he designed and built many more impressive buildings in and around Geraldton. He was associated with the design and construction of over 40 religious premises, but worked principally on his own. His work included chapels, convents, cemeteries, church halls and schools. Hawes diaries were available for the Heritage Centre, and thus extracts are available such as one in 1919 written during the Spanish Flu epidemic where he said; “Sunday I saddled my horse before daybreak so as to arrive for Mass at 8.30, but found the inhabitants prostrate with the flu.” Hawes then undertook burying some of the residents as no one else was available to do so. In 2016 there was the opening of the Monsignor J.C. Hawes centre in Geraldton, which is now a very popular visitor attraction for Australians, and passengers from the cruise ships alike.

Wanting to obtain sea views blocked by houses on the seaward side of the Aldwick Street, John Hawes set upon the idea of “ . . . instead of a long spread out cottage I would stand it up on end – as a tower”.

One of the people to unveil the plaque was Pat Mills, then aged 82, who had been baptised by John C. Hawes. Their trip started from Geraldton in Western Australia, their journey was to trace the creativity and design work of John Cyril Hawes, from Bognor to Cat Island in the Bahamas, where when he died at the age of 80, he was buried. I had been aware of J.C. Hawes for a number of years, but the visit of the pilgrims brought his story much more to the fore. His work within the UK was quite prolific from a church in Gunnerton, Northumberland, a Gatehouse at Alton Abbey in Hampshire, to St. Philomena’s Guesthouse on Caldey Island, South Wales. Well known in Western Australia, Hawes is basically unknown here in Bognor Regis where he started, one of his earliest major designs and construction was in 12

Hawes (right) building the cathedral

If you are interested in knowing more about this remarkable man, visit the website of Hawes Heritage on: www.monsignorhawes.com to learn more.




Pagham Tide Table JUNE Day





High tides occur approximately every 12 hours & 25 minutes. Low tides are approximately 6 hours & 12 minutes after each high tide. This tidal information is reproduced with the permission of the Controller of Her Majesty’s Stationary Office & the UK Hydrographic Office. Crown Copyright. All rights reserved



Gardening in June: Summer break, with Rose Green

Here we are at what is called- rather misleadingly – midsummer – because in fact, summer can rightly be thought to start on June 21, as the air and soil warms up. But before we launch into petunias and pelargoniums, let’s take a moment over spring. The cowslips were outstanding as was the fruit blossom, thanks to a colder winter. The magnolias got nipped by frost – again – but the daffodils did well after a wet autumn/ winter. So have a think where you might plant more, or some ‘little blue bulbs’ like scilla and Italian anemones: the catalogues for spring bulbs start coming out in May and daffs are (ideally) planted in August/September. I shall be boosting my ‘heritage’ daffodils and adding some hyacinths for the garden. Now is also the time to tidy up shrubs that have flowered, like flowering quince and forsythia. Spring shrubs are pruned after flowering, but in time to make new growth in summer because a lot – like the quince – only flower on branches that grow the previous year. Note they don’t ‘need’ pruning but if you grow them against a wall, they’ll need restraining, and possibly training. Trim down and tie in rather than force back. A general rule is ‘one in three’: if your springflowering shrub is big and scrubby, most benefit from cutting out one-third of the branches (choose the oldest ones) right down to the stump. Cutting back half-way leads to a sort of vegetable hedgehog of weak growth: if your beef with the plant is that it’s too tall, remove it and plant something shorter. Where would a summer clematis look good? You can still plant them now but keep them well-watered. The later-flowering types like texensis and viticella can be overshadowed by the big Nelly Moser types, but for garden effect a shower of smaller flowers is sometimes better. Try ‘Princess Kate’ or ‘Duchess 20

of Albany’: or ‘Minuet’, ‘Etoile Violette’ or ‘Madame Julia Correvon’. Or a ‘patio’ type: I’ve just planted ‘Nubia’ and ‘Justa’. I’m writing this in early May after a cold April, so I hope we’ll have had some heat, but if not, there’s still time to plant out French beans and bedding plants. Nursery plants may be more expensive this year as new rules on importing from Europe will affect the Dutch growers, so how about trying your hand at summer cuttings? This is a good time to try out on geraniums, which are forgiving plants, but also tough shrubs like weigela, buddleia, fancyleaved elders, salvias, fuchsias, lavenders, pinks and many herbs. If they are greyleaved, they are easier as this protects the plant from losing water when you take your softwood cutting. Find a shoot that’s grown this year. Cut it off, preferably just below the point where it started growing. Ideally, it won’t have a flower but for some plants that’s difficult, so nip the flower out. Take off any leaves on the bottom half. Dip the raw end in some rooting hormone. Fill a 9cm square pot with compost and push your cuttings around the edge, up to 4 per pot but if the leaves overlap too much, you can cut them in half. Water. Put your pots on a tray and leave outside in the shade. Keep an eye on them: water, remove mouldy or dead leaves and cuttings that give up the ghost. When you see roots from the pot bottom, move the little plants into their own pots. Plant out in 2022. If only one makes it, you’re still ahead. Ta-da!


Self help for sore knees





Update from the Arun Neighborhood Policing Team Do you know what County Lines are? County lines is the name given to drug dealing, where organised criminal groups use phone lines to move and supply drugs, usually from cities into smaller towns and rural areas. They exploit vulnerable people, including children and those with mental health or addiction issues, by recruiting them to distribute the drugs, often referred to as ‘drug running’. Organised criminal groups often use high levels of violence and intimidation to protect the ‘county line’ and control them. One of these forms of control exploits vulnerable people by using their home as a base for dealing drugs, a process known as cuckooing. Dealers often convince the vulnerable person to let their home be used for drug dealing by giving them free drugs or offering to pay for food or utilities. It's common for organised criminal groups to use a property for a short amount of time, moving address frequently to reduce the chance of being caught. Signs to look out for:  Frequent visitors at unsociable hours

  


Changes in your neighbour’s daily routine Unusual smells coming from a property Suspicious or unfamiliar vehicles outside an address

We work closely with Neighbourhood Watch and you can find out more about your local scheme online or by emailing. Visit the Arun Neighbourhood Watch website: arunwestnhw.org.uk or email: info@arunwestnhw.org.uk You can contact your local team in the following ways - Call us: on 101 to report a crime or 999 if it’s an emergency. Email us:arun@sussex.pnn.police.uk

Front office opening hours London Road, Bognor Regis, P021 1BA Monday to Friday from 10am until 2pm and from 3pm until 6pm.








A special anniversary by Ken Rimell Two boys who went to the same primary school and were best friends slowly drifted apart when they each went to different secondary schools. One went to Bishop Luffa and the other to Chichester High School. The years rolled by, the boys developed into men and took different careers. At a chance meeting at the Goodwood Revival their friendship was rekindled. Rob Wildeboar joined Goodwood and trained as an aero engineer, he graduated through to flying and is now CFI (Chief Flying Instructor) at the Goodwood Flying School, and is responsible for not only training rookie pilots to fly, but also gives air experience flights in a very special aeroplane with quite a history. The other Jason Rimell (my youngest son), went into the media and now works for the BBC. When time permitted the ‘boys’ would meet up, but with Jason working and living in the north it wasn’t always easy, but they kept in regular touch. When both realised that a special birthday was to take place in 2020, reaching a golden milestone in a mans life and with birthdays just days apart, Rob on the 11th April and Jason on the 16th, the plan for a party was made. However, Covid soon put paid to that and the project was postponed. The idea was rekindled for 2021 but with some restrictions still needing to be obeyed it was to be a more personal affair. The Rimell family clubbed together to fund a flight in a rare and interesting 1943 built Harvard T11B RAF training aircraft, now used by Goodwood for air experience flights. The aircraft rolled off the factory line, one of some sixteen thousand built by the North American company in 1943, and allocated with serial number 43-13064, to the USAAF. That allocation was changed and it was packed and crated and sent to the UK to join the RAF arriving at Liverpool Docks in January 1944. Then transported to 46 MU where it was assembled and flown being used as a communications aircraft. Withdrawn it went into storage and was allocated, along with other aircraft to the Dutch Air Force, to help replenish those lost in the war. The stay was short lived, and the Harvard was transferred to the Swedish Airforce a year later. By 1972 it was discovered and purchased by UK classic war bird entrepreneur Doug Arnold to join his collection at Fairoaks Airfield, near Woking in Surrey. It was spotted by 1980’s pop star Gary Numan and bought, its livery was changed to look like a 34

Japanese Zero for film and air displays. But Numan, a qualified pilot had a couple of close shaves and decided to give up flying in 2005 to buy a boat, claiming it was a lot safer. The Harvard was bought by Goodwood the same year. The aircraft has never been restored since its arrival at Goodwood, just religiously maintained. Texts and e-mails between the two birthday boys intensified as a plan was hatched for this year, to take place on Jason’s birthday, albeit a year later than the original planned flight. Arrival at Goodwood on a perfect spring day on a clear cloudless sky the briefing took place between the two men, watched by family members. Both climbed into the aircraft and took off, the trip taking them along the south coast and over Portsmouth Harbour, where they spotted the Royal Navy’s two new aircraft carriers being revictualled for tasks overseas and along the Hampshire coastline. After a slightly anxious wait the distinctive drone of the Harvard engine was heard by the waiting family. A safe landing was made, with the aircraft taxiing back to park just in front of the public fence. The birthday present and that special anniversary duly celebrated it was time for tea and to hear all about the flight. These air experience flights in historic aircraft are something special and the Harvard rates among the best. With a lovely experience enjoyed we did notice the two men chatting, could they be hatching another special for 2022, they wouldn't say!

Rob Wildeboar (left) and Jason Rimell


ALDWICK PARISH COUNCIL NEWSLETTER – JUNE Planting for the future We all know how vital trees are for the future of the planet and Aldwick is known for its beautiful trees upon which visitors often remark . Aldwick Parish Council has a tree planting group which has been working hard over the past year to identify areas within Aldwick where trees can be replaced or planted. Over the next few months, the group will be ordering several new trees with a view to planting them on streets throughout Aldwick. So keep an eye out, there could be a beautiful new tree coming to a place near you! Esteemed colleague remembered at AGM At our recent virtually held AGM our councillors held a minute’s silence in tribute to their late colleague and friend, Lilian Richardson, who died on 26th April. Lilian did so much work on behalf of our area and our residents and she will always be remembered with deep gratitude and affection by the people of Aldwick. The AGM saw Cllr Alan Smith elected Chairman for the year 2021/2021 and Cllr John Bass was elected Vice-Chairman. left : Lilian Richardson Test at home Thanks to the wonderful vaccination programme, many of us have now received first and even second doses of vaccine. But even if you feel protected, you could be carrying the virus and if you haven’t received your vaccine yet, it’s important to feel safe as society continues to open up. Now you can find out if you’re infected by testing at home with lateral flow tests available from government. These tests are free, easy to administer and you’ll know your result quickly. https://www.gov.uk/order-coronavirus-rapid-lateral-flow-tests or call 119. Planning Process We were pleased at the number of residents who’ve been joining our virtual planning meetings during lockdown. A couple of residents have asked us to explain what our planning committee does, so here it is in brief: we are consultees in the planning process and Arun District Council sends us all relevant applications. Our councillors visit application sites though they never enter private properties. They then discuss and comment upon each application, representing residents’ views and where possible referencing planning policy. These comments appear on the Arun website and on our minutes. You are most welcome to our meetings and to make your own comments on any application in our area. 36


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U.K transport secretary Grant Shapps announced a £2 billion plan in May 2020 to boost cycling






Although over time, we have encouraged the majority of these ground nesting shorebirds to breed on the islands, some, along with ringed plover and oystercatchers, still nest on the shingle beach and spits making them extremely vulnerable to disturbance. As a consequence, we fence off a section of Church Norton Spit and ask visitors to respect the boundary and in turn the wildlife within. Little terns are the UK’s second rarest breeding seabird with less than 2000 breeding pairs in the whole country. As one of just a handful of breeding sites along the length of the south coast, and one of the most successful with 21 little terns fledging last year, Pagham Harbour is vitally important to this little bird’s survival. This year’s youngsters have a short time to strengthen their flight feathers and learn how to fish for themselves. In July and August, the whole colony will start to leave on their long autumn migration south to Africa. For now though, it is a joy to experience the terns floating on the summer breeze, hovering above the water before diving to catch a silvery meal.

Caroline Spinks & Kevin Simmonds - RSPB-images.com

June is an important month for birds raising young, as the chicks become fledglings. Many young birds leave the nest early before they can fly, hopping along the ground, through the undergrowth and among lower scrub and branches. This is a defence strategy against predators which can locate a noisy, smelly nest, but unfortunately may also leave them prone to being sniffed out under bushes by inquisitive dogs. If you find a fledgling out in the open, or on your lawn, it is best to leave them be. Although it may look lost and abandoned, it is most likely waiting for the return of its parents, which will be busy searching for food and will reappear in time to relocate and feed the youngster. Once their flight feathers have grown sufficiently the fledgling birds will take their first tentative flights. Meanwhile, back at Pagham Harbour, Tern Island is a riot of noise as a little, common and sandwich tern bicker and argue with their neighbours’, black headed and Mediterranean gulls. Birds are constantly coming and going as they fish in the harbour and offshore, trying to keep up with the demands of their hungry young, which lack the bill colourations and are duller than their smart looking parents.


Over the last year the Rotary Club of Bognor Regis has been helping to feed local children who have been suffering from food poverty. Despite the help given by the Government, some primary school pupils have fallen through the gap and have not been in receipt of assistance. The Rotary club has raised over £38,000 and is currently spending £1,000 each week providing supermarket vouchers to local schools for ongoing distribution to meet this need. In an initiative with the local Foodbank this aid has been extended by the delivery of food each week to local families who are recognised by primary school teachers as needing extra help. Additionally, the Rotary club has produced a 28-page recipe book specifically aimed at producing meals using Foodbank food. This booklet is now given to all families with the hope that it will be of help in the fight against food poverty. The club would like to thank Swale Borough Council located in Kent who was the originator of the recipe book in 2019 and The Design and Digital Print Centre in Chichester for their sponsorship of our first print run of

“Cooking on a Budget”. One of the local primary school staff shared these family comments with us. " Thank you, it has been a real-life saver for us. We are really struggling at the moment and it helps us a lot." " It is great that we can come to pick up the food from the school. I suffer with anxiety and going to the foodbank is too daunting for me." " It is good that the food comes to the school because I do not have any transport to get to the Foodbank." In addition to this work the club members have, over the last month, been involved in the Just Giving “5KMAY” initiative where they run or walk 5Km and donate £5.00 to our Square Meal Project. Our thanks to all the members of the public who have joined us in this project. Thank you all for your past support, we could not help children and needy families without your help. Help us to help others by donating to, https://justgiving.com/rotary-bognor or through our web site: www.bognorrotaryclub.org




Join the wellbeing walk with 4Sight Vision Support Wellbeing Walk on Saturday 26th June 2021 at the beautiful Angmering Park Private Estate. This Walk represents a fitting way to celebrate the resumption of public events such as these and kick-start fundraising activities and celebrations in what will be the charity’s 100th anniversary year. The walk will take participants on an undulating 5 mile rural trail. Entry costs £10 for adults and £5 for children aged over 3. The fee includes refreshments, a bespoke wooden medal and wellbeing activities along the route. A special event T-shirt is also available for £10.The fee covers the costs of putting on the event, so in addition participants are encouraged to pledge £50 in sponsorship to support the vital work Like so many charities, Bognor-based 4Sight of 4Sight Vision Support. Vision Support has experienced an incredibly chalFor more information and to register, lenging year. The charity, which provides free advice visit: www.4sight.org.uk/wellbeing-walk and support to blind and sight impaired residents throughout West Sussex, relies heavily on voluntary Call: 01243 828555 e: fundraising@4sight.org.uk donations to deliver its services to over 2,000 people 4Sight Vision Support would like to thank Nigel Clutton and the Angmering Park Estate for allowing each year. While fundraising has been heavily this event, and South Downs Water and Natures Way impacted, 4Sight Vision Support has however who will kindly be helping to keep walkers refreshed managed to find new and innovative ways of providon the day. The event is subject to ing services to members throughout the pandemic, helping people with sight loss to stay active and inde- Government guidance at the pendent and feel less isolated. time. 4SightVision Support is delighted to announce the resumption of its public fundraising events, and is inviting people to sign up for a




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Around Stansted Forest Our “ flowers of the forest “ walk through sheep fields to Rowlands Castle and back on paths criss crossing this ancient forest. Near the end of WW2 Stansted forest was used as a training ground by Canadian and free French soldiers their temporary home was part of Combined Operations Marshalling Camp A1, one of many Marshalling areas around Portsmouth where 1000s of allied troops waited for D Day hidden here from enemy aircraft. Dogs are allowed on the estate if under strict control.

Map: O/S Explorer OL8 Chichester South Harting & Selsey Start O/S map ref: SU755104 Length: 4.75ms 7.46kms Time: 2 - 3 hours

Route Drive past the main entrance to Stansted Park to the 2nd car park on the left. From the top of the car park take the path ahead adjacent to the road. Stay on it as it winds and comes out to the road. Cross onto the path immediately opposite go L continuing up adjacent to the road now on your left. At the village hall cross back over to a signpost turn L and walk past the stables, at a gate bear L andat fingerpost continue down the wooded path. Go through a gate into a sheep field and at fingerpost walk down the field to another gate on your left. Go into the woods and at the next gate and fingerpost walk through another sheep field staying on this path - The Staunton Way. Go through another gate bearing R then go ahead on the lower path over a footbridge turn L onto The Monarch’s Way. At a fingerpost turn L leaving the Monarch’s Way and at a signpost take the footpath L uphill. On this path to your left is a tree memorialised to a Norwegian pilot , Flight Sergeant Sigurd Gerhardt Jenssen 129 ( Mysore squadron ) RAF who died here during WW2 probably attempting a crash landing. At a meeting of tracks continue diagonally ahead and at a fingerpost turn R onto the footpath, stay on the footpath to go L along a wide track, at a signpost bear L to the road turn R back to the car park.











Strawberry & Cream Éclairs

50g butter, chilled and diced 65g plain flour, sifted 2 medium eggs, lightly beaten 300ml double cream 1 tbsp icing sugar, plus extra for dusting 150g small strawberries

Place the butter and 150ml cold water in a small pan and heat gently until the butter melts. Bring the mixture to a rapid boil then quickly remove from the heat and add all the flour. Beat thoroughly with a wooden spoon until the mixture comes away from the sides of the pan and forms a ball. Leave to cool for 3-4 minutes. Preheat the oven to 220C, fan 200C, gas mark Line a large baking sheet with baking paper. Beat the eggs into the mixture, a little at a time, until smooth and glossy. Spoon the mixture into a large piping bag fitted with a large star nozzle. Pipe 8 x 10cm lengths, spaced well apart, onto the baking sheet. Bake for 12-15 mins until the éclairs are well risen and golden. Remove from the oven, pierce each éclair with the tip of a small knife and return to the oven for 2-3 minutes. This allows the steam to escape and dries out the centres of each éclair. Transfer to a wire rack and leave to cool completely. Whip the cream and icing sugar in a bowl until softly peaking. Spoon into a large piping bag fitted with a large star nozzle. Hull and slice most of the strawberries (reserving four for decoration). Halve each éclair and fill with the cream then top with sliced strawberries. Sandwich back together and dust with icing sugar. Decorate each one with a swirl of piped cream and a reserved strawberry. Makes 8 70




Saturday 26th June The Mulberries Present Pagham Village Hall at 7.30pm The Parlophones - 60s tribute band Tickets in advance £8 01243 266849/262833 Bring your own food & drink Proceeds to local charities









Applying for a mortgage?... ...Be prepared!


If you applied for a mortgage in 2020 you faced an even longer wait than usual to get a decision thanks to an unprecedented backlog after the initial lockdown. That may slowly return to normal this year but it’s still worth taking every possible step to speed up the process. These are some of the best ways to avoid unnecessary delay. Your Finances - Be ready to answer questions about your income and your fixed or regular outgoings. Lenders need to know how much you are committed to spending each month outside of your mortgage and if you’d manage if interest rates rose. Make sure you know the dates of any time you were under the Coronavirus furlough scheme. Check your credit reports at all three UK agencies: Equifax, Experian and Transunion. Look for any errors, for example if you have a closed credit account listed as still active. Paperwork at the Ready - If you use self-assessment, make sure your tax filings are up to date. You may be required to prove that your latest filing has been submitted and accepted before the lender will accept the relevant figures. If you applied for any government assistance such as the Self Employment Income Support Scheme, make sure you have up-to-date business accounts showing whether or not you are back to sustained profitable trading. Have proof that you have the funds for your entire deposit. If the money isn’t simply savings, you’ll likely have to provide bank statements showing it arriving in your account to fulfil money-laundering regulations. If it’s a gift, for example from a family member, they’ll usually have to provide bank statements showing they’ve either had it for a certain period or that it came from a legitimate source. They may also have to sign a form confirming it is a gift rather than a loan and that they disclaim any right to ownership of your property. Double-check all paperwork, including names, addresses and dates of birth. In particular, make sure the spelling of names is correct, hyphenated names are listed correctly and middle names are either included or excluded consistently. Any mismatches can throw a spanner in the works and cause annoying delays. For all documentation you need to supply, check whether you need originals or if a photocopy or scan is acceptable. Check also whether any copies need to be certified as genuine and if so, where you can get certification. Using a Broker - One of the best things you can do is consider using a mortgage broker. They’ll be able to suggest specific mortgages where you stand the best chance of acceptance, removing the wasted time of an unsuccessful application. They’ll also save time by completing the application using their professional experience to avoid any errors or omissions.







Profile for Sussex Views Magazine

Sussex Views June 2021  

Sussex Views June 2021  


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