phoenix property magazine may 2014

IIInnnsssiiidddeee ttthhhiiisss iiissssssuuueee……… AAAgggeeennntttsss BBBlllooogggsss::: LLLaaattteeesssttt nnneeewwwsss &&& aaaccctttiiivvviiitttyyy...

LLLooocccaaalll nnneeewwwsss::: WWWhhhaaattt’’’sss ooonnn aaattt CCCiiinnndddeeerrr AAAssshhh PPPrrreee---SSSccchhhoooooolll...

LLLooocccaaalll nnneeewwwsss::: LLLaaattteeesssttt fffrrrooommm SSSuuuttttttooonnn BBBrrriiidddgggeee iiinnn BBBllloooooommm...

JJJuuusssttt fffooorrr fffuuunnn wwwooorrrddd ssseeeaaarrrccchhh::: PPPrrrooopppeeerrrtttyyy fffiiinnnaaannnccceee...

LLLooocccaaalll nnneeewwwsss::: WWWhhhaaattt’’’sss ooonnn aaattt LLLooonnnggg SSSuuuttttttooonnn MMMaaarrrkkkeeettt HHHooouuussseee...

FFFiiinnnaaannnccciiiaaalll aaadddvvviiiccceee::: TTTiiipppsss tttooo hhheeelllppp yyyooouuu gggeeettt aaa mmmooorrrtttgggaaagggeee...

PPPLLLUUUSSS::: FFFuuullllll ppprrrooopppeeerrrtttyyy llliiissstttiiinnngggsss...

Cover photo: property for sale in Wrights Lane, Sutton Bridge.

206 Bridge Road, Sutton Bridge, Spalding, Lincolnshire, PE12 9SG Tel: 01406 359131 Fax: 01406 359939 Email: [email protected]

Open: Monday to Friday 9am – 6pm. Saturday 9am – 4pm. Closed: Sundays & Bank Holidays

Phoenix Property Magazine May 2014 FREE

AAggeennttss BBlloogg::

LLaatteesstt nneewwss aanndd aaccttiivviittyy.. BByy MMrrss JJaaiimmiiee RRiiccee,, MMaannaaggeerr,, PPhhooeenniixx EEssttaattee AAggeennttss..

So May is upon us already – wow how this year is flying by. The Easter bank holiday weekend was a steady one, much like any other, as people seemed to be making the most of the school holiday, family time and the good weather. As you will see below Tracey leaves us this month as she plans to leave the estate agency industry and return to working part time. More news will follow in the next edition introducing the new member of team who will be joining us in her place. Although by the time that edition comes out most of you will hopefully already be acquainted. The local housing market conditions are still pretty much as it was last month – with the main exception being the Mortgage Market Review coming into force. Many lenders were emailing brokers new/tighter criteria weeks before it officially came in. So most members of the public who are trying to get a mortgage approved at the moment will probably be jumping through hoops providing additional information for the lenders new criteria or finding the mortgage application process is taking longer than it used to. This is a sign of change in the way lending is done with many professionals in the industry preparing themselves for a slower sale process as a result. The lenders with the best deals seemed to be bogged down with a backlog of mortgage applications and appointments and is becoming more frequent for customers who want to stick with their existing bank to have to wait over a week or two just to get an appointment with their banks mortgage advisor – another reason why it’s beneficial to speak to an independent mortgage advisor – as the likelihood is they could access the same mortgage products, but squeeze in more prompt & convenient appointments without such a delay! Stock levels are still a bone of contention with agents across the country, along with surveyors downvaluing due to cautious lending criteria & guidelines. Whilst prices in our area do appear to be on the upturn now, it does come with a word of caution that this is subject to the approval of the lenders. We have had some great properties come onto the market over the last month and viewing levels are steady. It would appear gone are the days of the window shopper and causal viewer and those viewings that take place now are more constructive and serious buyers. Potential buyers have access to a vast amount of information too now. They can access a street view picture map, sold price history of a property and street, see what else is for sale in the neighbourhood and find out about planning permissions etc all from the comfort of their own home that’s to the internet. So before entering into any negotiation with an agent or booking to view they usually have done much more indepth research that what they used to and will already have formed opinions on price and suitability. Sometimes this is a good thing – buyers are more serious by the time they come to view. But sometimes it’s a negative thing – as buyers could be wrongly put off a perfect property before they even go through the door. The estate agency industry has recently been subject of a fly on the wall TV programme on BBC2 ‘Under Offer’ which goes out on a Wednesday night at 8pm focuses on a range of agents in different areas of the country. It has made amusing viewing and I find myself rolling my eyes at the presentation of some of the estate agents they focus on and the things they do in front of both the television cameras and their customers. I would love one of these programmes to show the real day to day tasks we agents have to undertake – as many of these shows glamorise the job and make it look like we spend all day leisurely looking round houses and making a few calls. In reality I’d estimate that probably on some days 80% of our day is being on the phone or completing paperwork or admin duties and more often than not most agents skip lunch to keep up with the work load – it’s definitely a multi tasking role! Keep your eye out for the next episode (I’m not sure how long it’s due to run for).

If you would like any further advice or information please get in touch with call us on 01406 359131.

AAggeennttss BBlloogg::

AA ppaarrttiinngg mmeessssaaggee BByy MMrrss TTrraacceeyy TTuuggwweellll,, PPhhooeenniixx EEssttaattee AAggeennttss..

As some of you may be aware I am leaving Phoenix on 6th

May. I just wanted to take this opportunity to say goodbye and good luck to all of our vendors and customers. I have met some really lovely people and it has been a pleasure to meet and work with you. Estate agency was new to me as a job, although I have bought and sold a few houses of my own I thought understood what was involved, whilst the obvious is exactly that, I never really appreciated the extent of what is involved. Working at Phoenix has been an experience and a big learning curve for me which I have thoroughly enjoyed. I would like to think that I have made some friends along the way and would wish you all success in the buying and selling of your homes.

TAVERNERS MEWS, LONG SUTTON

£55,950 EPC RATING:C

Modern (2006) 2 Bedroom terraced house available on a 50% shared ownership

scheme, situated convenient for town centre amenities benefiting from

kitchen/diner, downstairs cloakroom, upvc double glazing, gas central heating, allocated parking space, enclosed rear

garden & no upward chain.

MARCH ROAD, FRIDAY BRIDGE

£60,000

Building Plot on the outskirts of the popular village of Friday Bridge. Lapsed

planning permission for a 3 bed detached house, Plot measures approx. 37ft/11.2m frontage x 59ft/17.9m depth (sts). Field

views front & rear. No upward chain.

WHARF STREET, SUTTON BRIDGE £79,950 EPC RATING: TBC

1 bedroom end terraced leasehold coach

house situated in a conversion development of 12 properties, open plan lounge/diner, fitted kitchen, downstairs

cloakroom, en-suite bathroom, floor coverings, upvc double glazing, gas central heating, 2 allocated parking

spaces. Viewing advised!

WITHINGTON STREET, SUTTON BRIDGE £79,995 EPC RATING: E

Victorian 2 bedroom mid terraced house

benefiting from lounge/diner, kitchen/breakfast room, downstairs

bathroom with cloakroom separate, gas central heating, upvc double glazing and low maintenance rear garden with store shed. No upward chain. Viewing advised!

NEW ROAD, SUTTON BRIDGE

£80,000

Building plot. Approx 0.5 acre site, Lapsed outline planning permission for a

single storey dwelling. Popular residential location, field view to one side, mature

trees on site. Golf course nearby.

CROSBY ROW, SUTTON BRIDGE

£84,500 EPC RATING:F

Recently renovated 2 bedroom end terraced house offering refitted kitchen &

bathroom, rear lobby, gas central heating, upvc double glazing, outbuilding,

courtyard garden & no upward chain. Internal viewing essential!

QUEEN STREET, SUTTON BRIDGE

£85,000 EPC RATING: D

Terraced house benefiting from 2 double bedrooms, modern upstairs bathroom,

modern kitchen with sun room, lounge/diner, upvc double glazing, gas

central heating & enclosed low maintenance rear garden with summer house & off road parking. No upward

chain. Internal viewing essential!

CHESTNUT TERRACE, SUTTON BRIDGE £88,950 EPC RATING:D

Edwardian terraced house benefiting from

2 double bedrooms, 2 reception rooms, modern refitted kitchen & bathroom, gas central heating, upvc double glazing &

approx 100ft long enclosed rear garden. Potentially no upward chain. Internal

viewing essential.

HARRYS WAY, WISBECH

OIEO £94,000 EPC RATING: C

Modern (2001) semi detached house situated on the outskirts of town offering

2 bedrooms, lounge, conservatory, kitchen, shower room, southerly facing

enclosed low maintenance patio garden, off road parking, electric heating and

double glazing. View now!

LLooccaall NNeewwss:: WWhhaatt’’ss oonn aatt

CCiinnddeerr AAsshh PPrree--SScchhooooll By Rebecca Nicholls

Our last Open Day was great fun; with a bouncy castle, face painting, tea & cakes and even had a special visit from Fireman Sam and Lightening McQueen. We even raised over £100 for the pre-school. Children and adults alike had a great time meeting our special guests and exploring the pre-school. With this year’s Open Day fast approaching, we are busy preparing the bouncy castle, securing a very special guest and many other fun activities and games. So whether you are looking for childcare or just for a little bit of family fun - feel free to come and join us. Set in the heart of Cinder Ash park we offer a safe and spacious outside environment plus a committed learn through play approach inside giving the children in our care the very best start. Here at Cinder Ash Pre-School we take children from the age of two, up to school entry, with funded sessions available, from the term after their third birthday. We are open term time, from 9am- 3pm and are now offering a FREE taster session for all new starters. All our full time staff are a minimum Childcare Level 3 trained and first aid trained as standard.

Our Open Day will be held from 10am until 3pm on Saturday the 26th May and there will be lots of fun things to do for all the family. If like many others at this time of year, you are in the search of childcare for September or just want to have a little look at who we are and what we do: we would be delighted to welcome you along to see what Cinder Ash Pre-School can offer your child and you! Information packs will be available plus the chance to speak with staff and committee members.

We are really looking forward to it, and can’t wait to see you there!

Alternatively, feel free to pop in and see us or alternatively you can phone us on 01406 258382, find us on Facebook or email us at [email protected].

PRINCES STREET, SUTTON BRIDGE

£95,000 EPC RATING:D

3 Bedroom semi detached house requiring further updating offering 2 reception rooms, attached outbuilding giving

store/utility room & former wc, enclosed rear garden, off road parking, gas central heating, majority upvc double glazing &

no upward chain. View now!

BRIDGE ROAD, SUTTON BRIDGE

£99,995 EPC RATING:E

Modern 3 Bedroom semi detached house conveniently located for local amenities.

Upvc double glazing, electric night storage heating, off road parking,

kitchen/diner & enclosed south facing low maintenance patio garden. No

Upward Chain.

KIRK ROAD, WALPOLE ST ANDREW


2 Bedroom terraced cottage benefiting from lounge/diner, refitted kitchen,

refitted downstairs bathroom, upstairs cloakroom, rear hall/utility, upvc double

glazing, oil central heating, courtyard garden area plus approx. 90ft long further

main garden area. No upward chain. View now!

KING STREET, SUTTON BRIDGE

OIEO £125,000 EPC RATING:C

Modern detached bungalow situated within walking distance to amenities & bus stop offering 2 double bedrooms,

bath/shower room plus additional separate cloakroom, kitchen/diner,

utility room, off road parking, enclosed rear garden gas central heating, upvc

double glazing & no upward chain.



End terraced 3 storey house with accommodation providing, 4 bedrooms,

bathroom, wet room/shower, 2+ reception rooms, utility room, enclosed rear garden, garage/workshop, majority

upvc double glazing & gas central heating. Needs to be seen inside to

appreciate layout & space of accommodation offered.

PRINCES STREET, HOLBEACH

OIEO £135,000 EPC RATING:D

Modern detached bungalow situated convenient for local amenities & bus stop

offering 2 double bedrooms, kitchen/diner, double glazing, gas central heating, garage, 2 off road parking areas, established & secluded rear garden with

patio areas. Internal viewing a must!

ST NICHOLAS WAY, LUTTON


Recently modernised detached house located in small cul de sac with rear field

views offering lounge with open fireplace, refitted kitchen/diner, 2

double bedrooms, refitted bathroom, wood effect upvc double glazing, garage,

driveway and enclosed rear garden. Internal viewing strongly advised!

CHALK LANE, SUTTON BRIDGE


Modern 3 bedroom detached house with field views benefiting from lounge/diner,

separate dining room, utility, conservatory, downstairs shower room, upstairs bathroom, upvc double glazing, off road parking & south facing enclosed

rear garden. View Now!

GRANVILLE TERRACE, SUTTON BRIDGE


3 Bedroom detached house offering lounge/diner, conservatory, refitted

kitchen open plan to family room with breakfast/utility area, refitted upstairs

bathroom, block paved driveway/parking area, enclosed rear garden, upvc double glazing & gas central heating. Internal

viewing essential!

JJUUSSTT FFOORR FFUUNN –– WWOORRDD SSEEAARRCCHH::

PPRROOPPEERRTTYY FFIINNAANNCCEE

BRIDGING LOAN BUY TO LET CAPPED RATE CASH CASH FROM SALE COMMERCIAL CREDIT CARD EQUITY RELEASE FIXED RATE HELP TO BUY INHERITANCE INTEREST ONLY

INVESTMENTS LOAN MORTGAGE OFFSET REMORTGAGE SAVINGS SELF BUILD SPECIALIST TRACKER VARIABLE RATE



Recently refurbished 3 bedroom detached bungalow convenient for local bus stop & amenities offering lounge/diner, refitted kitchen & bathroom, gas central heating

(with refitted boiler), upvc double glazing, garage & driveway giving off road parking, rear garden & no upward chain.

Viewing a must!

SOUTH DROVE, LUTTON MARSH

OIEO £150,000 EPC RATING:D

Semi detached house in a rural location with field views to front, side and rear.

Offering 3 double bedrooms, lounge/diner, kitchen/breakfast room, utility room, downstairs shower room, detached barn/outbuilding, off road parking, gardens, oil central heating,

upvc double glazing & no upward chain.

WRIGHTS LANE, SUTTON BRIDGE


Detached bungalow situated in a sought after cul-de-sac location benefiting from 2 double bedrooms, kitchen/diner, utility room, upvc double glazing & guttering, gas central heating, garage, driveway &

generous enclosed rear garden.

DICK TURPIN WAY, LONG SUTTON


Modern 3-4 bedroom detached house on a corner plot convenient for local primary

school & town centre. 3 reception rooms, conservatory, downstairs shower room, upstairs bathroom, upvc double glazing, gas central heating, extensive off road

parking, enclosed rear garden & no upward chain.



Period (circa 1916) detached house with views of the church and in walking

distance to amenities & bus stop. Original features, 3 bedrooms, 3 reception rooms,

conservatory, downstairs bath/shower room, upstairs cloakroom, carport, off

road parking, feature enclosed rear garden & no upward chain.

RAVENS BANK, HOLBEACH FEN


3 Bedroom detached 1970s bungalow with field views in a rural location on

the outskirts of Holbeach offering kitchen/breakfast room, conservatory,

upvc double glazing, garage, utility/store room, off road parking, feature south facing enclosed rear

garden & no upward chain.

BRIDGE ROAD, LONG SUTTON

OIRO £160,000 EPC RATING:C

Modern (2004) detached chalet style house, 3 bedrooms, en-suite to master,

family bathroom & downstairs cloakroom, L-shaped lounge/dining room, kitchen/ breakfast room, utility, detached single garage, extensive off road parking, gas central heating & upvc double glazing.

VILLA CLOSE, LUTTON £166,950 £166,950 EPC RATING:C

Extended detached bungalow in a popular

cul-de-sac on the outskirts of Long Sutton, 3 double bedrooms, 2 reception

rooms, study area, kitchen with integrated appliances, bath/shower

room, upvc double glazing, gas central heating, garage, off road parking &

enclosed rear garden.

LLooccaall NNeewwss:: SSuuttttoonn BBrriiddggee

iinn BBlloooomm ‘‘BBiigg BBlloooommeerrss’’ By Mrs Rocki Freezor, Chair of SBiB Big Bloomers.

Spring is here! Cherry, Apple and Almond trees are smothered with pink and white blossom. Local Churches are busy preparing for the Flower Festivals early in May. The ‘Bloomer’ team have got together – many hands make light work – and cleared the weeds from the Community Garden, so that the plants we have ready for planting can be set in their allotted spaces.

(before) Where did those weeds come from? (after) ‘Gravel’ Boarding we put around the perimeter of the flower bed situated in the Falklands estate has improved its appearance, we shall be visiting that particular bed soon to prune the shrubs. Tubs and containers sited in various places along the main Road through Sutton Bridge are to be planted up with summer flowering plants when the threat of frost has gone. Lots to do and we would welcome more volunteers come forward to help up make Sutton Bridge attractive this summer, if you can spare a few hours occasionally it would help a lot. Please remember to visit us at our funding-raising event on Saturday 24th May, 2014 in the Curlew Centre. 10am to 1 pm. Come and pick up a bargain (not just plants & flowers). Well worth a visit is the Art Exhibition being held over that weekend . And a Family Fun Day is being held in the Park on Sunday 25th May, Weather permitting; look out for the ‘Dakota’ which will be flying overhead that afternoon.

KETEL CLOSE, LONG SUTTON


Modern (2000) detached ‘Ely’ bungalow in a sought after cul-de-sac offering 2

double bedrooms, kitchen/diner, utility, bathroom, shower room, sun room, low maintenance gardens, attached garage,

driveway, upvc double glazing, gas central heating & no upward chain.

Internal viewing advised!

LIME WALK, LONG SUTTON

£169,950 EPC RATING:F

Extended & renovated detached cottage on the outskirts of Long Sutton, front &

rear field views, 3 reception rooms, kitchen/breakfast room, balcony & en-suite to master bedroom, jack & jill en-suite to further 2 bedrooms, downstairs

cloakroom, detached double garage, upvc double glazing & oil central heating.

ALL SAINTS AVENUE, WALSOKEN

£175,000 EPC RATING: C

Recently renovated 3 bedroom detached bungalow situated in a popular cul-de-sac

location offering lounge/diner, kitchen/diner, bath/shower room, upvc double glazing, gas central heating, ½ garage/store, off road parking, feature

generous rear garden & no upward chain. Internal viewing a must!

ANNE ROAD, SUTTON BRIDGE


3 Bedroom detached bungalow with field view to the rear, upvc double glazing, gas

central heating, bathroom with corner bath & double shower cubicle,

cloakroom, conservatory, open plan gardens to the side/rear, garage &

extensive off road parking. Viewing a must to appreciate size & layout.

LANCASTER DRIVE, LONG SUTTON


Extended detached house in a popular location, 4 double bedrooms, 2 reception rooms, refitted kitchen/diner, utility/sun room, refitted downstairs shower room, refitted bathroom, gas central heating, upvc double glazing, off road parking,

approx. 100ft long enclosed rear garden & no upward chain.



Period (1850) 3 bedroom detached house, 2 reception rooms, utility, downstairs

bathroom, en-suite to master bedroom, cloakroom facilities to guest bedroom,

garage, off road parking, feature established gardens, upvc double glazing & gas central heating with refitted boiler.

Internal viewing a must to appreciate!

FISHERGATE, SUTTON ST JAMES


2-3 Bedroom detached bungalow, overall plot approx 0.5 acre (sts), enclosed south facing landscaped rear garden with rear

field view, lounge with multi-fuel burner, dining room/bedroom3, refitted kitchen

& utility room, refitted shower room suite, conservatory, upvc double glazing,

oil central, garage & off road parking.

EASTGATE LANE, TERRINGTON ST CLEMENT


Modern detached bungalow in a popular village offering 3 double bedrooms,

lounge/diner, kitchen/breakfast room, 2 conservatories, bathroom, wet room

shower room, garage, carport/workshop, in & out driveway, enclosed rear garden,

wood effect upvc double glazing & solid/multi fuel central heating.

BROADGATE, SUTTON ST EDMUND


4 Bedroom detached house in a rural village on an overall plot of approx. 0.3

acre (sts) with rear field view, 3 reception rooms, utility room,

cloakroom, en-suite, integral double garage, off road parking, enclosed rear garden with summer house & hot tub.

Oil central heating, double glazing & no upward chain. View now!

LLooccaall NNeewwss:: WWhhaatt’’ss oonn aatt tthhee LLoonngg

SSuuttttoonn MMaarrkkeett HHoouussee iinn MMaayy.. BByy JJeeaannnnee SSiibblleeyy,, DDeevveellooppmmeenntt OOffffiicceerr//CCeennttrree MMaannaaggeerr..

Long Sutton Market House Corn Exchange is an excellent venue for family events and celebrations, for exhibitions, performances and concerts. The Corn Exchange is an ideal venue for a wedding reception, which can seat 80 comfortably. Call into reception or ring 01406 366767. MARKET HOUSE RECEPTION Come and meet our friendly volunteer receptionists for tourist information, bookings, local information Housing and Benefit forms for South Holland District Council, recycling bags, bus pass forms. Reception is open Monday to Friday 9.30am to 4.00pm. SOUTH HOLLAND DISTRICT COUNCIL CUSTOMER SERVICES are in the Market House Reception Tuesdays and Thursdays if you have a concern no need to travel to Spalding come and meet an adviser on these days at the Market House. MARKET HOUSE MOVIES: The Great Gatsby Market House Movies 3.00pm Saturday 17th May. Doors open 2.30 for 3.00pm start. Tickets from the Market House £6 each. Telephone 01406 366767 IN CONCERT Leslie Curtis in Concert 7.30pm Friday 9th May. Intimately Eva with Lesley Curtis. A truly unique show which brings the inspirational music of Eva Cassidy to the stage featuring songs Fields of Gold, Autumn Leaves, At Last, Danny Boy, Songbird and Over the rainbow. Doors open 7.00pm. Tickets £5.00 £4.50 concession available in advance or on the night. www.intimatleyeva.com Telephone 01406 366767 LONG SUTTON YOUTH GROUP Every Thursday 6.30pm to 8.00pm ring 01406 366767 for more details. BRM DRAMA An opportunity for young people to enjoy drama EVERY WEDNESDAY 7.00pm to 10.00am LITTLE WARRIORS – MARTIAL ARTS FOR CHILDREN Every Saturday 11.15am to 12.15pm Starting Saturday 17

th May Ring

01406 366767 for more information. WEA GARDENING COURSE Every Wednesday 10.30am ring Market House reception for more details 01406 366767 CITIZENS ADVICE BUREAU Every Monday and Thursday morning 10am to 1.00pm Mondays are a drop in, Thursdays are for Booked appointments only. TAI CHI every Thursday 12.30pm to 1.30pm call in to the Corn Exchange Market House Reception 01406 366767 THE LINCOLNSHIRE CREDIT UNION Is open at the Long Sutton Market House on Fridays at 10.00am. The opening times will be every Friday 10.00am to 12 noon. Think of us as a Community Bank that is run by professional volunteers, working under the strict regulations of the Financial Services Authority. When it comes to borrowing money, we make everything simple! We are able to offer loans of between £100 and £3000, with a typical monthly rate of 2% on a reducing balance. All loans are approved on a capacity to repay basis, so poor previous credit may not be a problem. If you would like to save then there are easy access savings accounts with a competitive rate of interest, call in and chat to us on Friday mornings. AGAPE CARE FOOD BANK BRANCH AT THE MARKET HOUSE There is a collection point for donated food in reception open each day 9.30am to 4.00pm Monday to Friday. Please remember those in need this Christmas, any Christmas foods would be much appreciated, puddings, chocolates, crackers. Can you help with dried dog and cat food for those struggling with pets. MIGRANT WORKERS ENGLISH LANGUAGE AND LIFE SKILLS CLASSES Free, 7.00pm Tuesday and Wednesday evenings in the Long Sutton Market House. Ring Market House Reception for more details 01406 366767.

Come and see what else we have going on: Craft groups, Citizens Advice Bureau, Photographic Group. www.longsuttonmarkethouse.org

MMaarrkkeett HHoouussee PPhhoottooggrraapphhyy GGrroouupp

The Market House Photography Group are currently exhibiting photographs at the Long Sutton Flower Festival which runs from the 26th April to 5th May. The festival is a truly inspirational experience should you get chance to visit. On the 4th May we will be visiting Banham Zoo in Norfolk for a days photography. Look out for some of our pictures on our Facebook page - Long Sutton Market House Photography Group. We will be having a stall at the Market House Craft Fair on Saturday 10th May from 10am to 2pm. Our next group meeting takes place on Monday 12th May at 7.30pm. It is round 4 in our monthly competition, this months theme being machinery. Admission £3 all welcome regardless of experience.

The Lincolnshire Landscapes photography competition remains open until the 12th July for entries, for further information

CHALK ROAD, WALPOLE ST PETER


Modern detached house, 4 double bedrooms, dressing room & en-suite to master bedroom, 2

nd bedroom with en-

suite, downstairs cloakroom, 3 reception rooms & conservatory, kitchen, utility

room & breakfast room, integral double garage, established enclosed rear garden, upvc double glazing & no upward chain.

HUNGATE ROAD, EMNETH


Modern detached house overlooking fields to the front offering 4 double bedrooms,

en-suite & dressing area to master bedroom, 2 reception rooms,

kitchen/breakfast room, utility room, downstairs shower room & upstairs

bathroom, galleried landing, garage, off road parking & enclosed garden.

GGOOTT AA PPRROOPPEERRTTYY TTOO

SSEELLLL IINN OOUURR AARREEAA??

WE ARE SELLING PROPERTIES FASTER THAN WE ARE TAKING THEM ON!

As well as all the usual services you’d expect, we also offer:

No sale no fee & no hidden fees

Free floorplans

Free in house property magazine

Extensive property website advertising

Social media website advertising

Regular communication

Viewing feedback

Full sales progression

Ombudsman registered & regulated

SSPPEEAAKK TTOO AA MMEEMMBBEERR OOFF SSTTAAFFFF FFOORR MMOORREE IINNFFOO

MMoorrttggaaggee aaddvviiccee:: TTiippss ttoo

hheellpp yyoouu ggeett aa mmoorrttggaaggee BByy KKaattrriinnaa PPlluummbb,, TToopp HHoouussee MMoorrttggaaggee SSoolluuttiioonnss LLttdd..

With the Mortgage Market Review coming into force this month the way lenders assess your suitability for a mortgage is very much on the mind of those looking to get a mortgage or remortgage. There is nothing worse than making all the plans to buy a property and then finding out you don’t meet the criteria of a mortgage lender. Here are some basic tips to help improve your chances of getting a mortgage. 1) GET ON THE ELECTORAL ROLE Mortgage lenders will check you are on it for identity verification purposes. 2) CHECK YOUR CREDIT REPORT A credit report is a detailed record of your credit history. Mortgager lenders will use this information to determine whether to lend to you and on what terms depending on your risk as a borrower. i.e. assess your credit rating/score. Credit agencies such as Experian allow you to obtain your credit report for a statutory price of £2. Despite the common misconception, checking your credit report does not affect a potential credit score from a lender (it doesn’t leave an footprint on your credit file). You should check your credit report to: - Ensure the details on the report are correct - Get a provisional assessment of your credit rating/score which may indicate how lenders may interpret your credit record. - Ensure credit has not been taken out in your name without your knowledge. If there are any issues contact the company in question direct to resolve the issue and get your credit record amended. 3) DON’T TAKE ON ANY NEW DEBT Because mortgage lenders will check your credit record it is advisable not to take on any new debt. Mortgage lenders are unlikely to want to lend to someone with significant outstanding debt. Also, beware not to apply for too many mortgages as rejected applications will leave a footprint on your credit record and won’t appeal to other potential lenders. 4) PAY OFF/DOWN EXISTING DEBT Where possible reduce or pay off existing debt as this reflects positively on any mortgage application. Also get the credit card limits reduced if appropriate, as having large amounts of unused available credit may reduce the amount a lender may be willing to lend to you. 5) CHECK AND REDUCE YOUR OUTGOINGS Check all your current regular outgoings and reduce them if possible and try to avoid going overdrawn and using payday loans. The former will aid affordability while the latter two are viewed negatively by mortgage lenders. Mortgage lenders now want to assess your outgoings as well as income – so taking a sensible approach to your necessary outgoings and those you could go without could also assist with your borrowing ability. 6) ENSURE YOU CAN PROVE ALL OF YOUR INCOME Mortgage lenders will need proof of all sources of income before they will entertain lending you money. Most mortgage lenders require a P60 or a number of consecutive pay slips as proof. If you plan to shortly become self-employed you may struggle to get a mortgage as you will need a few years of self-employed earnings as evidence. So you may be better off applying while still employed. If you have more than one job, or get paid in cash, make sure you have full documentation available. 7) TAKE INTO ACCOUNT ALL THE EXTRAS INVOLVED IN MOVING Making sure you have the money for all the extra costs involved with moving will help minimise the chance of you overlooking something and not being able to afford to move. There are various costs involved so make sure you understand what they are and how much extra money you will require as some of this money you may need to have up front. Examples other costs include: - Survey fee - Mortgage booking fee - Mortgage arrangement fee - Conveyancing costs - Removal costs - Estate agent’s fees (if selling a property)

For any further advice of information please contact Katrina at Top House Mortgages Solutions Ltd on 01945 773945 or email: [email protected]

phoenix property magazine may 2014

Documents

mortgage products

lllooocccaaalll nnneee

mortgage market review

banks mortgage advisor

independent mortgage

mortgage application

sutton bridge

lenders new criteria