l r, or ca e o lo ap r d ur y p ou Yo ert to y op d pr ere liv de
London & Southern Edition
May 2016
BUY-TO-LET P3 LONDON NEW HOMES P18 MORTGAGES P23 INTERIORS P62 GARDENING P66
Canaletto – property of the month P8
A little extra
– properties with annex accommodation P6
Golden years
– our 20-page retirement property supplement P25
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buy-to-let 3
What makes a good buy-to-let?
Welcome!
Before you plunge into the buy-to-let property market, there are a number of considerations you should take into account LOCATION A good location is one where people want to live. It doesn’t have to be the cheapest or most expensive area. It’s an area that has the most potential for the future. The type of property you’re looking for, as well as the type of tenant you want, should also influence your choice of location.
A
mong the topics you’ll need to think about carefully are budget, location, your income expectations, the type of property you might buy, what kind of tenants you aim to find, the costs of buying, who will manage the property and your exit strategy for your investment.
KNOW YOUR BUDGET Before looking at any buy-to-let properties to invest in, work out your budget. The more honest and realistic you are about what you can afford, the easier and quicker choosing a buy-to-let property will be.
RENTAL YIELD Get an indication of how much return you’ll get on your investment. You can initially do this by working out the rental yield. The rental yield is the property price divided by the yearly rent. For example, the rental yield on a £250,000 property that has a weekly rent of £425 would be 4.4pc. This is £250,000 divided by £22,100 (£425 x 52 weeks). Generally, landlords s hould look for a minimum rental income of 125% compared with the monthly mortgage repayment. You should also take into consideration capital growth, the potential for increase in the property price or monthly income.
TYPE OF PROPERTY The type of buy-to-let property you purchase is related to the type of tenant you’re looking to target. Find a type of property which will appeal to the type of tenant you’re wanting to move in. One type of property always considered a good investment for buy-to-let is new builds. There are many benefits in buying a new-build property for buyto-let such as there being generally less repairs to carry out. These new-build properties are also attractive to a wide range of potential tenants.
TYPE OF TENANT What sort of tenant are you looking to move in? A family, single professional or student? Deciding this will also help determine what are the best buy-to-let properties to invest in.
STAMP DUTY LEVY Stamp duty on buy-to-let properties is now higher than conventional residential properties. From April 2016, private landlords have to pay an extra 3% stamp duty when they purchase their property. For example, for a £275,000 property the stamp duty rose from £3,750 to £12,000.
This dramatically affects your sums when working out what you’ll charge and what rental yield you might expect.
PROPERTY MANAGEMENT Don’t underestimate the work that’s involved in being a landlord. You are responsible for repairs and the general upkeep of the property, which can add considerable strains to your budget. It’s again why new builds are worth looking at for buy-to-lets. You also have the option of paying an agent to look after the running of your flat for you. Way up the pros and cons of selfmanaging or employing a property management company.
EXIT STRATEGY Plan your ‘exit strategy’ for if and when you plan to sell the property. When you purchase a buy-to-let, think about when you may sell the property. Whether it’s initially seen as a pension plan or a place to hand down to the next generation, think about the long-term and when to get out. The desirability of a property through its condition and location will be just as relevant then as it is now.
A win for WhatHouse? at the First Time Buyer Readers’ Awards We’re delighted to be recognised by readers at this prestigious industry event
T
h e monthly WhatHouse? property newspapers have won a ‘highly commended’ prize at the respected First Time Buyer Readers’ Awards, held last week at the Waldorf Hilton in the West End of London. The free newspapers – which are published in two editions and distributed by the Royal Mail to ABC1 households and at selected Greater London outlets – total 420,000 per issue and cover the southern Home Counties, the capital and the West Midlands. The publication made the shortlist (decided by a panel of expert judges) with a number of major competitors, including two national brands. Editor Keith Osborne, who with sales manager Bob Faulkner received the prize from host Nicki Chapman, says: “We are absolutely delighted to win the ‘highly commended’ prize from the readers of First Time Buyer magazine for Best Property Supplement. It’s a testament to the hard work of our team, and their efforts against some very high-profile brands. The judgement of readers and homebuyers themselves is particularly appreciated, and we hope we can continue to provide interesting articles to buyers and homeowners in the
coming months. “A big thank you to all the readers who took the time to vote for us.” Lynda Clark, editor of First Time Buyer Magazine, says: “Once again we are delighted to have celebrated the outstanding work that is being done by so many companies and individuals to give first-time buyers a helpful boost onto the housing ladder. The awards are always a highlight of my year as they remind me of the great lengths that many companies go to in order to support those just starting out on their homebuying journey, a time when most help is required. “Buying a first property can not only a daunting experience but, as many will find, the lowest rung of the ladder can also the most financially difficult - especially for those without any help from the bank of mum and dad. The awards are a celebration of those who go that extra mile to help less experienced buyers into a home of their own and my congratulations goes to everyone involved.” WhatHouse? was joined on the list of winners by a number of prestigious industry names, including Lovell, Taylor Wimpey, Peabody, Metro, Nationwide, Halifax and the Private Developer of the Year, Hodson Developments.
Top: The awards at the Waldorf Hilton Left: Keith Osborne (second left) and Bob Faulkner (right) receive the award for WhatHouse?
G
e orge Osborne’s latest Budget surprised many of us by hardly touching upon the property market, but this year has certainly seen a great deal of change based on his policies from the last couple of years. The first quarter of the year saw a surge in activity in the property and mortgage industries as investors tried to beat the deadline before a new 3% surcharge on stamp duty on investment and second homes took hold on 1 April. The new charge will put thousands of pounds onto the bill for such a home and affect the return on investment, its purpose of course to reduce the number of investors and leave properties available for owner-occupier buyers. The situation wasn’t helped by a degree of uncertainty about the finer details of the new system, about which transactions would be covered and which might be exempt from the financial penalty. It has recently been announced, for example, that properties with separate additional accommodation on-site (see our Six Appeal feature) will not be subject to the stamp duty as first thought, which will be a relief to those (albeit affluent homebuyers) purchasing a property which offers independent living for a family member. Many parents intending to purchase a second home that could provide a separate second home that could function as an inexpensive stepping stone to homeownership for their children will, however, find their bills soaring, which is undoubtedly a frustration when the ultimate purpose is a good one. The notion of independent living is of course at least as important to older people as those in their late teens and twenties. The lack of sufficient housing in this country has led to pressure on older property owners to free up large “empty nest” family homes, though of course there are practical advantages for them to move somewhere more suited to their situation once children have set out on their own lives away from the parental home. The secret of success for the retirement developers you’ll see in this month’s supplement is to show how older people can successfully adapt to the changes that their later years will require, yet retain the security of owning their own bricks and mortar while these changes happen. It will be interesting to see how the government’s continued focus on the aspirations of the younger generation will live with the growing and contrasting needs of a longerliving senior sector with its own voice and financial power. Whatever your own home situation, we hope you enjoy this month’s largest-ever edition of WhatHouse?
Keith
Keith Osborne, editor. ko@whathouse.com @keithosborne69
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Rupert Bates, editorial director of WhatHouse? has been a property journalist for 25 years. He is an award-winning writer who started on local newspapers before becoming a columnist on The Daily Telegraph. He presents the annual WhatHouse? Awards, edits leading housebuilding magazine Show House and is property correspondent of The Field magazine.
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Keith Osborne started writing about property 14 years ago and has been editor of Whathouse. com since 2010. He is currently a columnist in housebuilding trade magazine Show House and has previously written for Homes Overseas magazine. He has also been a part of the WhatHouse? Awards judging panel for a number of years.
Managing director Daniel Hill Editorial director Rupert Bates Editor Keith Osborne ko@whathouse.com Chief sub-editor Suzanne Frost Designer Sarah Davies Contributors Nick Parkhouse Richenda Oldham Fiona Brandhorst Helen Christie Sales director Adrian Talbot at@globespanmedia.com Senior sales manager Bob Faulkner bf@whathouse.com Sales Charles Spiteri cs@whathouse.com
Cover photo: ‘The Mount’ in Esher, Surrey courtesy of Wentworth Homes, 01784 451717
Published by: Globespan Media Limited, 291-299 Borough High Street, London SE1 1JG T: 020 7940 1070 E: info@globespanmedia.com W: www.whathouse.com Printed by 39zero / Distributed by Royal Mail © 2016 Globespan Media Limited WhatHouse?, ISSN: 02691310
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NHBC – the mark of a quality home Before you buy a new home, make sure it has Buildmark, which provides you with 10 years’ warranty and insurance. Then you’ll know it’s good quality and that your investment is protected.
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NHBC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. NHBC is registered in England and Wales under company number 00320784. NHBC’s registered address is NHBC House, Davy Avenue, Knowlhill, Milton Keynes, Bucks, MK5 8FP. J441 09/15
6 six appeal
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Park House, Cheshunt, Hertfordshire OIEO £2m This is a beautifully presented detached, fivebedroom Edwardian residence set in just over four acres. The house boasts high ceilings and period features, such as exposed beams, as well as a modern kitchen and bathrooms. The ground floor offers five reception rooms, including a garden room and vaulted reception overlooking the wonderful gardens. Additionally, the kitchen/breakfast room, utility, study and cloakroom are to this level. To the first floor are the family bathroom and the five double bedrooms, of which three are en suite, and the master has a walk-in wardrobe. Within the grounds are hardstanding tennis courts, gym, pool area with pool house and music zone, a decked and covered
seating/entertaining area, all surrounded by landscaped gardens and lawns. A fenced paddock adjoins the gardens. The property is approached through electric gates to the gravel driveway leading to the detached double garage, which also contains a self-contained one-bedroom annexe with its own kitchen, utility, dining area, sitting room and bedroom.
From: Hetheringtons Contact: 01707 875161
Six appeal Our pick of homes for sale with extra accommodation included The Farthings, Sandhurst, Berkshire £850,000
Linden House, Salisbury, Wiltshire Guide price £895,000
This substantial detached family home benefits from ample accommodation, including an annex and double detached garage. The property has been sympathetically extended and now enjoys flexible living over two floors. A private rear garden, conservatory and ample parking benefits this family home, which is situated on a private landscaped plot mainly laid to lawn, with a range of flower and shrub borders. Enclosed by part-brick/ part-panelled fencing, the house also provides
Originally built as a small detached house in the 1930s, the property has been extended by its present owners both to front and rear, greatly enlarging the accommodation, and they have completely refurbished it to a superb specification. There are five bedrooms. The house been rewired, redecorated, new windows installed, re-roofed and the exterior rendered for minimal maintenance. A gas-fired central heating system has been installed with underfloor heating to the ground floor and also first floor bathrooms. A double garage
a large patio area and side access with an outside tap. It is located in a non-estate location within close proximity to Sandhurst and Crowthorne centres, putting convenient amenities within easy reach. The property also benefits from being in excellent school catchment and within easy reach of major road and rail links.
From: Waterfords Yateley Contact: 01252 870222
has been added with two electric up and over doors and electric security gates have been provided at the front. There is also a separate parking area at the rear of the property. The annexe has a kitchen on the ground floor, fitted out with a variety of appliances including washing machine and dishwasher, a living room, bedroom with large dressing cupboard and a shower room with double cubicle.
From: Myddelton & Major Contact: 01722 337 575
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Appleacre, Pyle Hill, Surrey From £2.85m In the small hamlet of Pyle Hill, near Sutton Green, Surrey, which is this substantial home, built in 2009. Set within a two-acre plot, this Georgian-inspired home offers over 5,000 sq ft of living space, along with a swimming pool, pool house and staff accommodation, surrounded by landscaped gardens and grounds, with an open, southfacing rural outlook over fields. Inside the main house the spacious and well-planned accommodation is arranged over three floors, with an impressive reception hall, a fine central staircase and galleried landing with vaulted ceiling. There’s a fitness
suite and six bedrooms, four with en suite shower or bathrooms. The one-bedroom self-contained auxiliary accommodation is situated above the triple garage (there is also an additional double garage) and is spread over 400 sq ft.
From: Chantries Contact: 01483 405222
Mill House, Good Easter, Essex £850,000
Falconwood House, St George’s Hill, Surrey Guide price £9.5m This five-bedroom new build home is on the much-sought-after St. George’s Hill Estate, Weybridge and it has separate staff/teenager accommodation located above the triple garage, including a living room with mini-kitchenette, bedroom and bathroom. This latest offering to the exclusive estate has golf course
views to the rear, an outdoor heated infinity pool, and inside, stylish interiors by The L&C Company. Other highlights include four/ five reception rooms, including a cinema room, formal dining room with access to the rear terrace, open-plan kitchen/dining/ family room with integrated Miele appliances, and palatial master suite
with two dressing rooms and en suite bathrooms, a lounge area and balcony.
From: Octagon Contact: 01932 838000 (Savills)
Mill House is a charming character house with a spacious annexe, steeped with history, believed to date back to the 18th century. The property has been tastefully maintained, keeping warmth and character, with wood-burning stoves and stunning, far-reaching views across Essex farmland. The main house accommodation comprises a hallway, lounge, sitting room, separate dining room, and a fitted kitchen. On the first floor there are three bedrooms, a further dressing room, and a larger-thanaverage bathroom with four-piece suite. Externally there is an entrance gate to the front garden and a driveway to the side with parking
for three cars. To the rear of the property there is a raised timberdecked area, courtyard paved garden and side garden mainly laid to lawn. The rear garden is not overlooked, with stunning views as far as the eye can see. The self-contained annexe has its own personal door, and was previously the village shop and bakery, which still offers versatile usage. The annexe makes it ideal for two families to live alongside one another while retaining their own privacy. The property is on sale with no onward chain.
From: Beresfords Contact: 01245 420880
8 property of the month
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property of the month 9
Exquisite Canaletto London, The Netherlands, Germany, Italy, USA, Singapore, Japan and China: the global architect that is Professor Ben van Berkel of award-winning Dutch practice UNStudio is the creative mind behind one of the capital’s most exciting residential towers to come to fruition this year. Canaletto, located in the new residential, shopping and dining cluster around City Road Basin on City Road EC1 stands out among the new residential high-rises cropping up in the area, creating a new neighbourhood for 21st century living that sits comfortably with the surroudnig period terraces and interwar warehouses, now houses of creative industry.
The Centre of Four Worlds Prime central London’s City Fringe area has been at the core of the capital’s regeneration energy over the last few years, with areas such as Shoreditch, Clerkenwell, and particularly Tech City around Old Street itself achieving 43% growth in the three years to 2015 (source: Knight Frank). The Square Mile, too, has seen a different kind of appeal as a peppering of residential spaces appear in what has always been the hub for business enterprise. Canaletto sits at the crossroads of these four areas, minutes from Old Street where the heart of Tech City beats. Over the last two years, its reflective triangulated spire has emerged from the ground. Where other tall residential buildings may mimic offices in their glittering steel and glass façade, Canaletto has been designed with brushed bronze aluminium panels, which sweep and curve around the 31-storey tower. In this way, all the 190 apartments are divided into clusters, or neighbourhoods in the sky so that, even at ground level, it makes it easy to pick out each of the apartments. With all apartments having terraces and balconies, residents are readily enticed to create sky gardens with a variety of plants, shrubs and trees, all of which create additional softness and help the building become part of the fabric of the urban landscape. The metallic of the bronze gives an added warmth when set against the London sky, and makes this building truly distinctive.
The Beaumont Collection This spring sees the launch of Canaletto’s eminent Beaumont Collection. These three bedroom apartments on the 24th to 28th floors have been designed to provide exceptional living space and 360-degree views of the capital, taking in some of the city’s most breathtaking and recognisable landmarks. At around 2,000 sq ft, the apartments’ generous bedrooms and reception rooms open onto expansive terraces and balconies. A blend of natural wood and plaster finishes set the homely warmth. Kitchens are equipped with the finest Gaggenau appliances and natural stone finishes, while bathrooms have feature stand-alone baths, heated mirrors, and further limestone and marble additions. Living spaces have been designed for living, with a snug / study areas and easy movement between all the rooms.
State-of-the-Art Amenities What makes living at Canaletto even more appealing is all the amenities on hand. The hotel-style concierge is there to take deliveries and help with the minutiae of life while residents can enjoy the heated indoor swimming pool, spa with treatment rooms, fully-kitted gym, surround-sound cinema, even a games room. What is more, there is Club Canaletto, a private club for residents and their guests high up on the 24th floor, with impressive views out to the city and a great place to relax over a drink and something to eat. Down below ground are all the essentials for city living tucked away such as secure bicycle and car parking and additional storage for must-have larger items. The elements that make Canaletto so impressive starts at the front door, where UNStudio’s attention to detail and commitment to creating an architectural masterpiece set the tone. Right next door to one of the country’s most historic waterways yet in the thrust of one of London’s most dynamically creative quarters, it is little surprise that Canaletto continues to win industry-best awards.
To be part of Canaletto, where prices for the Beaumont Collection start from £3.2m, please contact the Sales Gallery. 020 7608 1825 | Canaletto, City Road, London EC1V 1AD www.canalettolondon.com | www.unstudio.com
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Tel 020 7237 5116 | www.spicerhaartlandandnewhomes.co.uk Spicer Hart_Fullpage.indd 1
08/03/2016 15:03
london
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Agent insight We speak to Becky Faterni, managing director of Rokstone on why London is becoming a magnet for Iranian buyers What is the size and value of this market? There are some 32,000 high-net-worth Iranian individuals or households worth over £2m including 65 individuals and families worth over £70m and four billionaires. We calculate that around 1,000 to 1,500 high-net-worth individuals, families or companies will have the desire to invest money in overseas real estate over the next three to five years with up to 50 of these having the finances to spend up to £100m each on overseas investments. Given these numbers, we estimate that up to £6bn could be invested overseas by Iranian investors in international real estate and other lucrative opportunities. Even if just up to 20% of this money comes to London and UK in general this is still an extremely significant sums of money flowing into the property market.
What’s the reason for the growth in Iranian buyers? The British Embassy in Tehran has now reopened and the UK Foreign Office changed its long-standing ‘no travel advised’ stance on Iran to ‘limited travel is permitted’ and in the next three months it is anticipated that the status will be normalised. British Airways has confirmed that it will reintroduce direct flights to Iran from this summer and Iran Air, the national carrier, is increasing its fleet. London already has a sizeable Iranian expatriate community, with a flourishing network of Iranianowned restaurants, cafés and cultural and social organisations. There are over 80,000 Iranian exiles living in London since 1979 when the Shah fell. With significant instability in neighbouring Iraq and Syria, the opportunity to invest in far removed, stable London is extremely appealing. As the price of oil and gas falls, London real estate provides an enticing appeal to invest in a sector which holds and increases in value. Over time, as long as the political situation continues to improve, Iranian buyers in London will join the ranks of Qatari, Kuwaiti and Saudi buyers and become significant players in the luxury marketplace again. Why London over other international destinations? Alternative locations have less appeal. Historically, rich Iranians also invested in New York and Los Angeles, but
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US government primary sanctions remain in place so these choices are not available. Dubai on the doorstep will also be popular but it cannot compete with London’s educational system or cool summer climate. The other historic ties are with Germany, Paris, the French Riviera and Switzerland but London is safer than these since a lot of properties in the capital are in conservation areas where building alterations are restricted so values hold and outperform continental Europe. Will they be investors or owneroccupiers and what type of property will they buy? The four types of Iranian investors are private individuals/families, professional investors, private companies and quasi-state-backed entities or sovereign wealth funds. Private individuals and families will be predominantly looking for London pied-à-terre’s for themselves or their student offspring, this could be newly refurbished or recently completed new build homes. Most buyers will look to spend anything from £1m to £30m on a London homes with the top five most popular locations being Knightsbridge, Mayfair, South Kensington, Hampstead and St John’s Wood.
For further information visit www.rokstone.com; 020 7580 2030
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london / investment 15
Share and share alike
DRUMMOND HOUSE, WOOLWICH
Notting Hill Housing offers a brace of TRAFALGAR HOUSE, BATTERSEA Shared Ownership opportunities in lively London quarters
L
o ndon’s surging property prices are well documented in the press, and the popularity of government affordability schemes such as Help to Buy and Shared Ownership has reflected the need many buyers have to get some sort of assistance to get on the property ladder. With over 30,000 homes under its control, Notting Hill Housing has over 50 years of dealing with Londoners and providing for their housing needs, and the organisation continues to provide high-quality new homes where they are needed today, with one eye always on making the properties available to as many people as possible. Two current offers see Shared Ownership properties for sale in two major regeneration areas attracting media attention and interest from first-time buyers looking to find a way to live within the array of new and improved amenities at these ‘inbuilt neighbourhoods’. Developers today are conscious
of not just building homes, but putting them in areas filled with useful facilities: convenient shops, fitness centres, crèches and open and landscaped public spaces. Notting Hill is currently able to offer a housing start on two such schemes: Trafalgar House in Battersea Reach and Drummond House in Royal Arsenal Riverside, Woolwich. With Shared Ownership allowing buyers to start with a mortgage on just a part of their home, and a belowmarket-rate rent on the remainder, these new-build properties are a great opportunity to get a foot on the ladder in one of the capital’s most talkedabout areas. The government-backed scheme allows owners to buy further shared in their home as finances allow, up to the full 100% if that’s what the buyer wants. Find out more about Shared Ownership on www.whathouse.com and more about Notting Hill Housing at www.nottinghillhousing.org.uk
This development is in the heart of a well-connected area around Clapham Junction, with one-bedroom homes start from £182,000 for 40% share of a full market value of £455,000. The development offers residents a 24-hour gym and a round-the-clock on-site concierge service, as well as
a business centre, retail units and an exclusive staffed nursery. The development is set in four acres of award-winning landscaped gardens and courtyards and features a waterfront bar and eatery, a Hudson’s grocery store and a patisserie.
Part of the £1.5bn, mixeduse Royal Arsenal Riverside regeneration, Drummond House is offering a one-bedroom apartment from £83,750 for a 25% share of the full market value of £335,000. The scheme has a popular onsite pub, a number of shops and a play area, in addition to the concierge service and gym, and even has a museum illustrating the area’s fascinating history. When Crossrail starts in 2018, residents will be right on hand for a brand new station taking them to the City and West End in minutes.
Looking out of town New university accommodation standards are heading ever upwards for the country’s students
REGENERATION IN DERBY
W
i th more young people than ever seeing the benefit to their careers of a good degree, and large numbers of overseas students looking to the UK’s respected education institutions for high-quality learning, the demand for an equally good standard of accommodation has also increased. Far from the dank and dilapidated digs of previous generations – think ‘The Young Ones’ from the early 1980s to picture what many undergraduates had to live with – today’s students are demanding much higher quality in their accommodation and communal facilities. Specialist student accommodation provider Collegiate AC has been at the forefront of this type of project and is offering investors a host of new opportunities in 2016 with a major expansion and 11 new projects in cities they already know – Cardiff, Exeter, Reading, Plymouth, London, Southampton, Leeds, Birmingham, Bristol, Edinburgh and Glasgow – and a first step in other university locations: Newcastle, Derby, Lincoln and Dundee.
Heriberto Cuanalo, Collegiate AC’s chief executive, is excited about the company’s ambitions and the opportunities they bring for investors: “Following on from a tremendous 2015, in which we welcomed more students than ever before to our luxury properties, we are anticipating a successful 2016 with the launch of our new sites. We are proud to be at the leading edge of the shake up in the student accommodation market and will continue to aim for the very best with our innovative approach to the sector.”
A third office, adding Bristol to existing premises in Oxfordshire and Edinburgh, means Collegiate AC is maintaining the necessary administrative services to keep tenants and investors happy. Colleagiate AC’s amenities include luxury lounges, a ‘VIP bar’ or ‘sky lounge’, cinemas and even concierge services. High-speed broadband and Wi-Fi are, of course, de rigeur for today’s students. Find out more at www.collegiate-ac.com; 01235 250140
One example of Collegiate AC’s new student accommodation projects in the conversion of a former Derby council office block into 128 new places, with 74 studios and 54 ‘twodios’, with double beds, en suite bathrooms and well-equipped kitchens. Roman House, situated on Friar
Gate in the Cathedral Quarter in heart of the city Derby, will also provide an on-site cinema, private gym, social hub and seminar rooms in addition to having a speedy broadband connection essential to students today. Accommodation at Roman House is priced from £120 per week.
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26/02/2016 09:14
Meridian Waterside, Southampton
Inland Homes. Bringing land to life.
Inland Homes are currently regenerating areas across the South providing quality homes with an emphasis on design and sustainability. Visit our fabulous range of Showhomes to discover more.
The Comptons,Wooburn Green
St Johns, Chelmsford
DEVELOPMENTS INCLUDE: Carter’s Quay, Poole 1 & 2 bedroom apartments and 2, 3 & 4 bedroom houses
COMING SOON:
St John’s, Chelmsford 2 & 4 bedroom houses
Meridian Waterside, Southampton 1, 2 & 3 bedroom apartments and 3 bedroom houses
The Comptons, Wooburn Green 1 & 2 bedroom apartments and 3 bedroom houses Park House, Loudwater Studio & 1 bedroom apartments
Alexandra Gardens, Iver
Alexandra Gardens, Iver 2, 3 & 4 bedroom houses
Boreham, Essex 1 & 2 bedroom apartments and 2, 3 & 4 bedroom houses Basingstoke, Hampshire Collection of apartments
Carter’s Quay, Poole
For further details call 01494 762 450 or email sales@inlandhomes.co.uk
Showhome open at this development
Please check website for current availability. Computer generated illustrations are indicative only and subject to change.
www.inlandhomes.co.uk
18 london
For the latest on the property market
London new T homes roundup – the pick of the capital’s current new builds
h e affordability of homes in London – or lack of it in many cases – has been highlighted by the latest data from online estate agency HouseSimple.com, which found a quarter of the capital’s boroughs without a single home for sale under the national average property price. The company’s research found nine of 32 boroughs lacked a property for sale under the Land Registry’s national average price of £191,812. Bexley had the lowest price – a studio flat on the market for £94,995 – while Tower Hamlets pipped Kensington and Chelsea to the post by a fiver with the priciest cheapest home at £250,000. Alex Gosling, CEO of online estate agents Housesimple.com, says: “These figures reveal how desperate the plight is for ordinary Londoners on average salaries, hoping to buy
their first property. How can they feasibly afford to buy when average property prices in the Capital are over £530,000? “Although this research reveals there are properties for sale below the UK’s average house price, the pickings are extremely slim and you’re getting very little square footage for your money. It’s a studio or nothing in many boroughs. “It’s not surprising that more and more people are starting to move out of London for value. Why pay £200,000 for a studio flat when you can buy a house for the same money just an hour commute away. It’s likely in the future we will see less and less people putting their first foot on the property ladder in London.” The following pick of highquality new builds will suit a wide range of budgets, including a few at well below the current average London price…
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Hadley Manor in Hadley Wood, Enfield (CALA Homes) The luxury home builder launched this exclusive development in March. It comprises ten two- and three-bedroom apartments in one of the most sought-after locations on the Enfield/Hertfordshire border. Helen Colman, regional sales and marketing director for CALA Homes Chilter, says: “As always, our show home scheme has been put together by a professional interior designer, showcasing the lifestyle on offer here - whether you are downsizing or looking for a spacious apartment with an easy commute to London.” One example of what is on offer is plot 3, a spacious ground floor two-bedroom apartment priced at £1.35m, with an impressive master bedroom complete with en suite and dressing room, an opulent sitting room with French doors to the garden, and a large kitchen/ breakfast room with folding doors onto a generous private patio. Price: From £1.35m
Balham Walk in Balham (Taylor Wimpey)
15 Grove End Road in St John’s Wood (Harrods Estates)
There’s a mix of two- and threebedroom apartments to choose from in this popular part of Wandsworth, which has benefited in recent years from significant regeneration. Susan Joseph, regional sales manager for Taylor Wimpey, says: “This is a superb chance for purchasers to secure a fabulous apartment in the up-and-coming area of Balham. Demand continues to run incredibly high at this popular development and we don’t expect these amazing properties to be around for long – so I’d urge anyone hoping to secure their
This boutique development is a collection of four two- and three-bedroom lateral apartments, including a duplex penthouse, each occupying a single floor. The price includes secure underground parking and car lift. The penthouse offers a wraparound glass living area with views across St John’s Wood and London beyond. Simon Barry, head of new residential developments at Harrods Estates, says: “15 Grove End Road offers a unique boutique development in St John’s Wood, which would very much suit young professionals, businesspeople or company lets; the
dream plot to get in touch without delay!” There are plenty of amenities nearby, as well as a good social life on offer and a choice of schools for children of all ages. Balham’s Leisure Centre boasts a gym, two workout studios, a sauna and a steam room, a boon for fitness fanatics. It’s a short stroll to Balham station, with Tube and National Rail services available, and plentiful options on the bus network. Price: From £640,000
Find out more on www.taylorwimpey.co.uk; 020 3837 7069
Riverside Quarter in Wandsworth (Frasers Property)
apartments offer ample entertainment space and easy connections to the business districts of London.” The specification includes bespoke kitchens with Corian worktops and Miele appliances, fresh air heating and cooling, underfloor heating, large fitted bedroom wardrobes and engineered dark oak flooring. Each apartment also has its own outdoor space. Car parking is large enough for luxury cars and includes a car lift from the front driveway of the development. Price: From £2.92m Find out more at www.harrodsestates.com; 020 7409 9001
Once complete, this development on Osiers Road will provide a new Thamesside destination of residential, retail and leisure facilities, with nine elegant apartment buildings containing over 400 one-, two-, three- and four-bedroom apartments and penthouses. In the apartments facing the Thames there are winter gardens, a fusion of conservatories and balconies. The apartments and penthouses all have an openplan kitchen/dining/living area, complete with underfloor heating and floor-to-ceiling mood lighting. Each kitchen has a Corian worktops and integrated appliances, while many master bedrooms feature an en suite bathroom. The development also offers secure underground parking, 24-hour estate management including a concierge and porterage service, as well as a video door entry system. Residents can use a range of private leisure facilities including a gymnasium, Jacuzzi and an indoor swimming pool. Price: From £720,000 Find out more at www.savills.co.uk; 020 7499 8644 (Savills)
Find out more at www.cala.co.uk; 020 8440 8605
Harrow
Brent
Hillingdon
Ealing
Hounslow Richmond upon Thames
Kingsto upon Thames
Kings Park in Harold Wood, Havering (Countryside)
Foundry Mews in Walthamstow (East Thames) Launching on 16 April is this collection of Shared Ownership properties in Walthamstow, located between Wood Street Library and Woodside School, with a choice of four townhouses, six apartments and two maisonettes. Each home benefits from its own outside space; balconies or terraces for the apartments/maisonettes and gardens for the townhouses. There is also cycle storage, a children’s play area and allocated parking for the houses and maisonettes. Foundry Mews is a nine-minute
walk away from Wood Street station, which is served by London Overground and is a 21-minute journey from Liverpool Street. The area also offers Central and Victoria Line Tube routes through the West End. Epping Forest offers acres of diverse landscapes close by, a fantastic escape from the everyday hustle and bustle of city life. Price: From £118,750 (for 25% share) Find out more on www.foundrymews.co.uk; 0300 303 7333
Enfield
Crown Mews is the eagerly awaited addition to this popular parklandstyle development, consisting of the Windsor Apartments and Chatsworth Mews, a collection of one- and two-bedroom apartments, together with 52 three- and fourbedroom houses. There’s great appeal to commuters here, with a 35-minute journey via Stratford to Liverpool Street and the Elizabeth Line (Crossrail) coming in the next few years to Harold Wood’s zone 6 station. The A127, A12 and M25 are also all within easy reach from home here. Andrew Loveday, sales and marketing director at Countryside comments: “This development is an attractive proposition for any buyer looking to enjoy great connections to the city whilst being surrounded by a scenic green environment. The new phase at Kings Park gives buyers a range of stylish and modern properties to choose from, that are well suited to both young professionals and families.” Price: From £340,000 Find out more at www.kings-park.co.uk; 01708 348578
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The developer has followed a successful first phase with the release of the second phase of apartments here, with equal appeal to professionals, first-time buyers and investors. Completion is expected in autumn 2017 to spring 2018. Manhattan Plaza has been designed by Barton Willmore architects, takes inspiration from the iconic buildings of New York’s trendy Meatpacking District. Each apartment comes with a contemporary kitchen by Urban Myth, boasting sleek stainless steel appliances, stone worktops and handleless fitted units, chic contemporary bathrooms and en
suites, underfloor heating, video entry phone systems. The penthouse goes one step further, providing comfort cooling and an overall higher specification. David Campbell, group sales and marketing director at Telford Homes, says: “The opening of Crossrail in 2018 will have a dramatic impact on the way that people travel, making it a convenient and efficient way to get around and this has been a key influencer in people’s decision to purchase a new home in the area.” Price: From £690,000 Find out more at www.telfordhomes. london; 020 3538 0719
Harvard Gardens in Elephant & Castle (L&Q) Harvard Gardens is the latest and final phase of the Albany Place scheme which offers a range of apartments and duplexes within walking distance of regenerating Elephant & Castle, on the edge of travel zone 1. This final collection was launched at the beginning of April. Harvard Gardens provides a total of 71 properties for private sale, a selection of one-, two-, three- and four-bedroom layouts, each with airy open-plan living areas, fully fitted kitchens, generously sized bedrooms, modern bathrooms and a private balcony or patio. The development incorporates central landscaped courtyard gardens and is next to the green open spaces of Burgess Park.
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Find your new home at whathouse.com/new-homes
Croydon
The Residence in Southwark (Linden Homes)
Cathy Lloyd, sales and marketing director at L&Q says: “With its two earlier phases now sold out, Albany Place has established itself as one of the most vibrant and well-serviced new communities in central South London. Harvard Gardens represents the final opportunity to buy a home in this award-winning development and is ideally located for all that London has to offer.” The homes are incredibly accessible and have superb zone one travel connections. As one of the capital’s up and coming hot spots, the future certainly looks bright for Elephant and Castle.” Price: £450,000 Find out more at www.harvard-gardens.co.uk
This scheme offers a choice of one- and two-bedroom apartments from the winner of Silver for Best Sustainable Developer at the WhatHouse? Awards 2015. The development is situated on Blackfriars Road, just three minutes from Southwark station and within easy reach of London Bridge and Waterloo. Darren Maddox, managing director at Linden Homes South East, says: “Increasingly, people living outside London are looking for a city home to enjoy on the weekends. Due to its enviable location, The Residence can provide just that. The apartments are incredibly popular and only two of the exclusive homes remain, so we’d advise people interested to get in touch to avoid missing out.” Both remaining apartments feature a private outdoor space, as well as access to the beautiful communal rooftop garden with views to the Shard and across the capital’s skyline. Price: From £799,950 Find out more at www.lindenhomes.co.uk; 020 3553 3866
Bellway.
Brand new homes in excellent locations across the capital and beyond, all benefitting from the same high Bellway quality and outstanding customer service – everything that’s helped us build an even greater Britain.
1,765 London homes. One address. www.bellway.co.uk
Building a greater Britain.
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For the last 40 years, through all market conditions, we’ve consistently lent to residential property developers. So if you’re looking for funds, you won’t find a more experienced, flexible and reliable business partner. To find out how we can help your development, please call Close Brothers Property Finance on 020 7655 3655 or visit closepropertyfinance.com
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23/04/2015 11:38
For the latest on the property market
mortgages 23
@What_House
Cover me R
sort of ‘term assurance’, which provides cover for a specific period. Term assurance generally comes in two types: • Level-term assurance – this provides a fixed level of cover for a specified period, for example £150,000 over 25 years. It is ideal if you have an interestonly mortgage or if you simply want to provide additional protection to your family in addition to repaying your mortgage debt. If you don’t die within the term, your policy lapses and you are no longer protected • Decreasing-term assurance – this provides cover which reduces on an annual basis. It is designed to cover the outstanding balance on a repayment mortgage, and so the sum assured decreases over the term of the policy. If you don’t die within the term, your policy lapses and you are no longer protected Term assurance can be a very costeffective way of ensuring your debt is repaid if you die within the mortgage term. Starting at under £10 per month, life insurance is cheaper than you might imagine and will provide your family and beneficiaries with peace of mind that they will be receive a lump sum in the event of your death.
LIFE INSURANCE
CRITICAL ILLNESS COVER
Nick Parkhouse takes you through the different types of cover for mortgage holders to consider e search from Scottish Widows in 2015 found that half of all mortgage holders in the UK have no life insurance and risk losing their home if the worst were to happen. The study found that around seven million UK adults have no life insurance, leaving their families and beneficiaries with a potential financial problem in the event of their death. With even fewer mortgage holders protecting themselves against serious illness and sickness, there is a huge protection gap in the UK. Our guide looks at the three main types of cover that you should consider if you have a mortgage.
Life insurance pays out a lump sum to your beneficiaries if you die during the term of the policy. Most mortgage holders have some
What would you do if you suffered a serious illness – for example cancer, a heart attack or a stroke – and you were
Leading bank S rolls out video mortgage service Borrowers can now speak to a qualified expert via a video link on a laptop, desktop or tablet computer
ince the Mortgage Market Review came into force in April 2014, many borrowers have reported that it has been much harder to get an interview with their bank’s mortgage specialist. With advisors having to reduce the number of available appointments in order to cope with longer interview times, it has been tougher for consumers to get in front of an expert. Now, one of the UK’s leading banks is attempting to make it easier to speak to a mortgage advisor by rolling out a ‘video’ service.
SPEAK TO A LLOYDS BANK OR HALIFAX MORTGAGE ADVISOR BY VIDEO After a pilot scheme in 2015, Lloyds Bank and Halifax have launched a new service allowing borrowers to speak to a mortgage advisor via a computer video link. Appointments can be made between 8.00am and 8.00pm during the week and from 9.00am to 2.00pm on Saturdays with Lloyds and 9.00am to 4.00pm with Halifax. In addition, 16 Lloyds Bank branches are piloting the video service in-branch, aimed at increasing the availability of mortgage advisors during busy times. David Oldfield, group director for retail and consumer finance at Lloyds Bank, said consumers want greater choice, convenience and value, whether that’s in branch or online. “Buying a house can be a stressful time for many people, and so for those who are unable or choose not to visit a branch but who still prefer a face-toface conversation, this video service is
unable to work for an extended period? Critical illness cover provides a lump sum on diagnosis of one of a wide range of illnesses. While the majority of payouts are for more common issues – cancer, heart attack etc – Critical illness cover also covers you against a wide range of debilitating conditions. This type of protection pays out a lump sum on diagnosis. It gives you the peace of mind that you have money available to repay your mortgage or pay for specialist treatment. By providing financial support it is designed to give you one less thing to worry about at a very stressful time.
INCOME PROTECTION Most people overestimate how much money they would receive if they were unable to work due to illness or an accident. Scottish Widows research found that 64% of people believed their employer would pay them either a full salary or a full salary followed by a partial salary if they were off work for a long term, when the reality is that they may only be eligible for statutory sick pay (SSP) at £87.55 for up to 28 weeks. Income protection is designed to pay a monthly sum to you if you are unable to work due to a range of reasons. It will provide a monthly ‘income’ to enable you to meet your mortgage payments (and other household bills if you wish) until you are fit enough to return to work. a fantastic channel for them to use.” Lloyds say that a third of appointments with customers that would previously have been completed over the telephone are now completed via video. This Is Money reports that the banking group has already invested £750m in digital innovations over the last three years and has committed to invest a further £1bn in its digital capability over the next three years.
THE PROS AND CONS OF A MORTGAGE VIDEO One of the advantages to a video based interview is that advisors can complete the whole process with a customer in one go. A Lloyds spokesperson said: “Telephone appointments require a ‘break’ in the process, meaning the mortgage adviser has to stop the call, email or post the documents and then contact the customer again, whereas with video, we can do it end-to-end as we show/upload key documents. “About 8% of video or telephone mortgage customers are required to visit the a branch for identification and verification purposes.” While many experts have welcomed the innovation, some believe that most borrowers will still want face-to-face advice in a branch or with a broker to discuss the biggest debt they will ever have. Mortgage expert Aaron Strutt also believes a video system has drawbacks. He said: “One of the problems with the banks is that they only advise on their products, so if clients do not fit the acceptance criteria they will need to look elsewhere and go through the whole process again.”
New life
WhatHouse? takes you through the new build retirement property market
Special feature supplement
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i th so much press attention aimed at the plight of first-time buyers, it would be easy to overlook the needs and aspirations of older buyers, many of whom are ‘last-time buyers’, considering one final home move to see them through their retirement years. While still way behind countries such as Australia, New Zealand and the USA, the British new homes industry has been picking up its focus on the retirement market in recent years. To be fair to the pioneering developers, some companies have been building homes specifically for older buyers for over 30 years, but today, with a growing retiree population that is living longer, the need for more homes to meet their demands. As our 20-page supplement shows, there’s a huge choice of new homes available across the UK that are aimed at people of 55 and over, whatever their lifestyle and health needs. The ‘baby-boomer’ generation coming to retirement age now has benefitted from a working life that has provided generous pensions and seen their property values soar, leaving a significant number with time and
money to play with in their senior years. As you will see, there is plenty to suit a modest budget, but also an array of beautiful developments in the mid- and luxury markets that are bringing hotel-style facilities and services to a day-to-day lifestyle for those with a healthy sum to invest – all this, of course, with the security of homeownership that we Brits cherish. Moving from a much-loved family home is certainly not an easy emotional step for many people to take, but there is lots of sense in making the most of the equity accrued in a large home and using it to buy a more manageable-sized one, free from everyday maintenance needs and with a thoroughly up-to-date specification, and still have money let over to enjoy a fulfilling and pleasurable life for years to come. We hope this supplement gives you a good idea about what is currently available, not just in terms of the homes themselves but also the lifestyle and peace-of-mind a move to a new retirement property can bring.
Find out more online at www.whathouse.com/advice/ retirement-property
Full sales ahead: last chance to buy
St George’s Park is now an established retirement village with 270 residents
and world class amenities which will shortly include the residents-only leisure club with 14m swimming pool, sauna, Jacuzzi, café, games room, hobbies room, fitness room, gym, therapy room, hair dressing salon and lauderette.
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The final phase of this award-winning retirement village set in the heart of the beautiful South Downs has now been revealed. Occupying a premium location within the village, Rafael Court and Purchace Manor offer a range of one and two bedroom apartments, many with feature arch windows, high ceilings and great views looking out.
Demand is expected to be high, so if you're looking for a retirement setting that's second to none, or you are perhaps looking on behalf of an older relative, don't delay – call or visit us today!
EXTENSIVE LEISURE FACILITIES* | SHOP | RESTAURANT | LIBRARY | 24 HOUR EMERGENCY SUPPORT | BOWLING GREEN | CAR POOL | BEAUTIFUL GROUNDS | TREATMENT ROOMS | HAIRDRESSERS | MINI BUS SERVICE | SECURED BY DESIGN SECURITY *SOME FACILITIES DUE IN LATER PHASE
One bedroom apartments from
£310,000
For more information about our award winning Retirement Village call Eileen or Mark on
01444 259 732 | WWW.STGEORGESPARK.CO.UK
Discover the benefits of downsizing with McCarthy and Stone
Springhill House, Willesden Green Award-winning retirement housebuilder, McCarthy and Stone, specialises in creating stunning collections of beautifully designed, low maintenance apartments, designed to ensure you or a loved one enjoys retirement to the full – and Springhill House is no exception. The Platinum Retirement Living development offers homeowners a collection of 38 high quality, privately owned apartments, with the opportunity to benefit from friendship and companionship if they choose to, and privacy when they need it. With a community of friendly neighbours, support when needed, and all the gardening and exterior maintenance taken care of, downsizing to a McCarthy and Stone apartment can be truly life changing. One such homeowner already enjoying all the benefits that life at Springhill House has to offer is Pauline Ewasha, who moved into the development with her husband last July. She comments: “Having lived in Willesden Green for over 40 years and always enjoyed the close proximity to central London, we knew we wanted to stay in the local area when we decided the time was right to downsize. As soon as the hoardings went up on the Springhill House development, we went
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straight to the website and registered our interest. Looking at the plans, facilities and location, we immediately felt that McCarthy and Stone was the right choice for us. “Not everyone wants to move out of London just because they are retired, and with a variety of excellent transport links, I believe Willesden Green is the perfect place to settle. There are lots of bus routes and trains that go into the city centre, and with a bus stop literally outside the development it couldn’t be easier to enjoy all that our vibrant capital has to offer. In our previous house we were quite far away from any public transport, so I relied heavily upon my car to get to places. That’s definitely not the case now – I actually sold my car shortly after we moved in as I soon realised that I had no use for it anymore. “Just because I am retired, it doesn’t mean that I plan on slowing down. Thanks to the development’s ideal location I regularly go into London whether it’s to do some shopping, meet friends for a coffee or see a show. My husband even occasionally works as a black cab London taxi driver!” Facilities at Springhill House include a stunning club lounge, ideal for enjoying an afternoon puzzle or a catch-up with friends
over coffee, a beautifully landscaped garden in which to relax, plus its own luxury guest suite should friends or relatives stay. The development also benefits from its very own Concierge, ensuring the smooth-running of the development, a security entrance system, plus 24 hour emergency call points – providing added peace of mind for homeowners and their families.
Typical Living Room
Liberty House, Raynes Park Retirees in Raynes Park are invited to McCarthy and Stone’s latest Platinum Assisted Living development, Liberty House, to discover the benefits of downsizing. Catering to the over 70’s market, McCarthy and Stone’s Assisted Living developments are exclusively designed to bridge the gap
Typical Bedroom
between conventional Retirement Living and residential care. Comprising a fabulous selection of 51 one and two bedroom properties, the development provides modern living solutions for a relaxing retirement.
Homeowners are able to retain their independence through home ownership, with their own front door, yet still have the peace of mind of a range of 24/7 security and support services, as well as a thriving community of new friends on their doorstep. Julie Ward, Regional Sales and Marketing Director at McCarthy and Stone South East, explains: “At McCarthy and Stone we are proud to help people stay independent for longer and really make the most of every minute of their retirement. That is why we are so committed to delivering an exceptional lifestyle for our homeowners at Liberty House with a beautiful setting, fantastic food and luxuriously appointed accommodation – all with the peace of mind that care, support and friendship is close at hand. This is particularly important to relatives who want to be certain their parent, grandparent or relative is enjoying the very best quality of life. “Our Assisted Living properties are about giving homeowners choice around the services they require and the flexibility to turn on top-up support if they need it in the future. With the opportunity to retain property ownership, while also being able to draw on a range of flexible care packages, Liberty House really does offer retirees the very best of both worlds.”
Facilities at Liberty House include a fantastic on-site table service restaurant, a club lounge, private gardens in which to relax, a southfacing roof terrace and a wellbeing suite. Flexible domestic and personalised care packages are also available, which can be tailored to provide varying levels of support according to homeowners’ individual needs. In addition, a dedicated and experienced Estates Manager ensures the smooth-running of the development, with 24 hour, 365 days a year on-site staffing, providing peace of mind for both homeowners and their families alike. Ideally situated within easy reach of central London, Liberty House and Springhill House offer the perfect location for those wanting to explore the vibrant capital in their retirement. Both developments are conveniently located close to an array of shopping, medical and leisure facilities, and are well serviced by strong private and public transport links. What’s more, homeowners can also benefit from the London Freedom Pass, which enables retirees to travel on London public transport free of charge. McCarthy and Stone’s Platinum Retirement Living developments provide luxury living in some of the most sought-after postcodes in the UK, offering homeowners the highest specification of accommodation with architecturally outstanding design.
For further information about McCarthy and Stone or to arrange an appointment, please contact 0800 882 1831 or visit www.mccarthyandstone.co.uk WH-RP-WG-APR16
14/04/2016 9:29
28 advertorial
For the latest on the property market
A golden new era for Portugal Boavista Golf and Spa Resort is once again developing and making the most of a resurgent second home market in Portugal
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o rtugal is being hailed as the new ‘Eldorado’ for pensioners by the world press. In an article in ‘The Telegraph’ the headline announced: “The ultimate pension freedom: Retire in Portugal and reduce your tax.” ‘Forbes Magazine’ recently enthused: “The Algarve, Portugal is the best place in the world to retire – that nobody is talking about.” They are not just talking about the enviable climate with an average of 3,300 hours of sunshine a year. In 2009 the Portuguese government introduced the Personal Income Tax regime for non-habitual residents, with a guarantee of a 10-year tax exemption for the applicants. Leading financial advisor Simon Perks has explained and endorsed the benefits, stating that an individual can be deemed resident for tax purposes in Portugal if they spend more than 183 days per year in the country or have a place of abode,
at 31 December each year. This is of particular attraction to those retiring with a high value pension, which can be paid totally tax free, during a period of 10 consecutive years. All this is resulting in the second home market bouncing back from the recent economic down-turn and it is against this background that Boavista Golf and Spa Resort have started building again in earnest. Their properties offer distinctive award-winning designs built by the Emerson Group, which has a proud 56year design and consultancy history, which includes Bolton Wanderers FC’s home ground, the Macron Stadium. The group has been active in Portugal since 1970 and their properties come with five-year building guarantees. Managing Director of Boavista resort, Philip Pope, warns: “Many second home buyers get caught out with hidden running costs. At Boavista there are no resorts fees. This is a huge advantage and our condominium
and golf fees are very competitive compared to other resorts.” There is a large variety of golf and spa discounts and privileges for property owners. For example with the owners platinum membership plan, you are entitled to two golf memberships enabling you to play unlimited golf for just over €1,000. Annual membership in competitor resorts is often double this. Careways is Boavista’s in-house management company. The staff are dedicated to ensuring that you and your guests have a comfortable stay at the resort. So, if you are looking for a property investment in the Algarve, Boavista Golf and Spa Resort is perfect for a golden life in the sun.
Find out more at www.boavistaresort.pt; sales@boavistaresort.pt
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For the latest on the property market
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retirement 29
What’s on the market? We take a look at a wide range of locations and prices for some of the UK’s best currently available new build retirement properties
Austin Place, Weybridge, Surrey • From £337,500 These 65 one- and two-bedroom apartments have a woodland setting that is within comfortable walking distance of nearby shops and amenities. Residents have their own deli, salon, treatment room, roof terrace, lounge and gardens. Find out more at www.anchor.org.uk
The Pines, Alloway, South Ayrshire From £284,950 In the heart of a golfing haven, the contemporary, open-plan apartments for those 55 and over benefit from elegant kitchens, underfloor heating and walk-in wardrobes, as well as private allocated parking spaces. Find out more at www.ortushomes.co.uk
Charters Village, East Grinstead, West Sussex • From £POA Another award-winning development, this one comprises 83 apartments and bungalows for over65s in addition to a 60-bed care home. Centred on an Edwardian manor house, facilities include a restaurant, bar, lounge, library, conservatory and shop. www.retirementvillages.co.uk
Binswood Hall, Leamington Spa, Warwickshire From £350,000 Gold winner of a WhatHouse? Best Retirement Scheme award in 2014, this luxury scheme, with pool, treatment rooms, restaurant and bistro, is set around a converted Grade II* listed property in the town centre, with 90 units in total.
Eastbank Court, Northwick, Worcester From £184,950 Residents at this scheme in the north of historic Worcester have use of hotel-style communal facilities including an activities room, lounge, library, landscaped gardens and treatment room. An 80/20 equity share scheme is available.
Find out more at www.audleyretirement.co.uk
Find out more at www.aspenretirement.co.uk
The Walled Gardens, St Andrews, Fife From £176,625
St George’s Park, Ditchling, East Sussex • From £310,000
Housing provider Bield is offering a popular Shared Ownership purchase arrangement at this high-quality development, where over-60s can buy 75% and rent the rest. There are 78 one- and two-bedroom apartments, with communal gardens to enjoy.
A development of 240 apartments set in 250 acres of parkland and landscaped grounds in the South Downs. Luxury facilities include a shop, restaurant, exercise room, hair salon, library, snooker room, fishing lake and bowling green.
Over 80% of the 125 properties have already been reserved, but a new show home launched on 23 April. Set within facilities including a wellness spa, gym, pool, restaurant and terrace café, the first residents are due to arrive this autumn.
Find out more at www.thewalledgardensstandrews.co.uk
Find out more at www.stgeorgespark.co.uk
Find out more at www.richmond-villages.com
Richmond Aston-on-Trent, Aston-on-Trent, Derbyshire From £185,000
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Your Will is the most important document that you will write, yet it’s estimated that around 30 million UK adults haven’t done it. Writing your Will is rarely at the top of anyone’s To-Do list until well, it needs to be. We know that the thought of actually sitting down and doing it can be pretty daunting but, in reality it’s really not as complicated, time consuming or expensive as you think. It’s simply solid financial planning that can, potentially, save your heirs thousands. Think of it as a plan to protect your assets and safeguard the future of everything and everyone that is important to you. A professionally drafted Will is vital in… Protecting your assets Avoiding damaging family disputes Inheritance tax planning
Safeguarding the future of your loved ones Saving time, money and unnecessary distress
Do you have to have one? It’s not a legal requirement but, by dying intestate (without a Will) you relinquish control over your assets, leaving them to be distributed according to the laws of intestacy. A Will gives you the control. You decide how your assets are shared out. Who benefits and by how much.
Consequences of dying intestate
Protecting your share of your Property with a Trust Your property is probably your biggest asset and one that you want your children to inherit. But in the UK this is not guaranteed. How it works is this… on first passing, the law of succession dictates that ownership of any joint asset automatically passes to the surviving partner. They are then at liberty to do with it as they wish. If the surviving partner remarries your property becomes part of their marital assets, posing significant risk of your children being ‘accidentally’ or ‘side-ways’ disinherited. Similarly if they were to become bankrupt your property would be considered one of their assets and your children would not see a penny. It could even be used to pay their and their new spouses care costs. Legally severing the joint tenancy and becoming ‘tenants-in-common’ will allow you to then place your share into a protective trust.
Keeping your Will safe A Will is a legal document and therefore, there are legal implications should it be misplaced or damaged. In fact the Probate
Put VERY simply, under the law of intestacy only your assets worth up
office will only accept an original copy in pristine condition. If no one
to £250,000 which are not held jointly, are passed to your spouse, plus
can find your current Will an old version, no matter how out of date it is,
HALF of the remaining assets. The remainder automatically passes to
will be used. If it can’t be found at all you’ve essentially died intestate –
your children.
adding further stress and burden to those left to deal with your affairs.
Unmarried partners and step children do NOT automatically inherit,
That’s why we provide an on-site, climate controlled, fire proof storage
regardless of circumstance. If you have no children your estate will be
facility for our clients!
shared with close relatives and if you have no blood relatives at all, EVERYTHING goes to the Crown.
Pre-paid funeral plans
A third of over 50s have an out of date Will
No one likes to think about their own funeral but, with the cost of dying
From out of date trusts to inadvertently leaving the majority of your estate to charity, an out of date Will can cause as many problems as not having one at all. Life - and Tax laws! - change so it’s important to review and refresh your Will every few years, you really don’t want to be paying more inheritance tax than necessary!
rising far in excess of inflation, a pre-paid funeral plan, securing your funeral at today’s prices, makes complete financial sense. The average cremation now costs over £3,500 and is rising, fast. In fact, it’s predicted to reach the £10,000 mark by 2030, which, is ridiculous. Without a plan in place your loved ones will have to find the funds
If you put a simple Will in place when your children were young, it’s now
themselves. Piling on emotional stress and financial burden at what will
time to think about planning and protection. If your current Will includes
already be a difficult time.
an obsolete Nil Rate Band Discretionary trust your heirs could be faced with a HEFTY and avoidable inheritance tax bill. Also, if you took a free
A pre-paid funeral plan is an easy way of shielding your family from
Will from your Bank years ago were they named as Executors? They
unnecessary distress and, you get the peace of mind knowing that,
could be charging you up 9% of you estate value for the privilege!
when the time comes everything will be taken care of.
Please call us today on 01322 664885 to discuss your Will, Trusts, Lasting Power of Attorney, Probate and Pre Paid Funeral plans. Quote What House? for 15% discount on Wills* Established in 2006 Future Legal Services are your local Will writing and
All our Wills and Trusts are written in house by our fully STEP accredited
Estate planning experts. We’ve made end of life planning as it should be,
Will drafter.
simple, convenient and affordable.
www.futurelegalservices.co.uk
* Please be advised that Future Legal Services may not have a consultant in your area. T&Cs apply.
15/04/2016 15:25
32 retirement
For the latest on the property market
Winning ways C Churchill Retirement Living sees success based on tried-and-tested values h urchill Retirement Living is a family-run and privately owned British business and the fastestgrowing company in the UK retirement market, an achievement that has seen national acknowledgement (see box). It has also been recognised many times by the most prestigious awards in UK housebuilding, having last year won Bronze in the Best Medium Housebuilder category. Up against major housebuilders, Churchill was the only retirement developer to win in this category. The developer has also been crowned Most Outstanding Retirement Operator at the UK Over 50s Housing Awards for a record seven years running. It recently received the maximum five-star rating in an independent customer satisfaction survey,undertaken by industry body the Home Builders Federation (HBF). The company prides itself on building attractive, purpose-built one- and two-bedroom apartments in desirable locations across the UK for those looking for an independent lifestyle in later life. Developments are designed to take away all the hassle and fears that can be experienced by older people and provide security, peace of mind and independence. Churchill’s formula has proved
popular across the country in many locations. The apartments boast spacious rooms throughout and combine design and functionality. The fully fitted, stylish kitchens include a built-in fridge and freezer, hob and an oven, which is located at an easyreach height. All of the properties benefit from illuminated light switches for added convenience. Owners also enjoy ultimate peace of mind from a fitted camera entry system for the highest level of security, a 24-hour emergency call system and a lodge manager who is on hand to oversee the development. Other benefits on offer include having family or friends to stay in the development’s well-appointed guest suite, enjoying time in the communal gardens, or joining in the programme of events and activities which take place in the owners’ lounge. The location of each development is carefully chosen to offer easy access to local shops, amenities and transport links. In addition, Churchill Owners can take advantage of the Churchill Reward Card which provides exclusive deals and discounts when buying from a wide variety of national brands and local businesses – the first of its kind in the retirement sector. With 96% of owners stating they were ‘very satisfied’ or ‘satisfied’ with the quality of their new Churchill home, the company’s approach to retirement living looks set to continue to win many fans, among buyers and its industry peers. Find out more at www.churchillretirement.co.uk; 0800 458 1853
@What_House THE 100 CLUB
Churchill was recently named in the Sunday Times BDO Profit Track 100, achieving 12th place in the league table, which ranks Britain’s top 100 private companies with the fastest growing profits over the last three years. Over this period, the company saw sales increase by 31% to 492 units in 2015 and operating profit reached £43.5m, giving an industryleading 30.5% operating margin. Chairman Spencer McCarthy is delighted with this national recognition: ““We are absolutely thrilled to make the top 20 in the Sunday Times BDO 2016 Profit Track 100. Growing demand from an ageing population has certainly helped our business, but the huge success we are experiencing is testament to the exceptional people we have on board and the exceptional service they provide to our property owners, both through construction excellence and property management.” Separately, Churchill also made 14th place in the Sunday Times Top 100 Best Companies to work for in the UK.
Couple find dream retirement home in Baston The Austins love their new age-exclusive property and like-minded neighbours
M
r and Mrs Austin moved into their new Larkfleet house at The Croft last year. It’s an exciting development of 49 new homes, built exclusively for those over 55, in the charming village of Baston in south Lincolnshire. Mr Austin says: “We are enjoying our new home very much. We are relatively local, having lived in Folkingham previously, but we have found a like-minded and friendly community at The Croft. Our bungalow completely lives up to our expectations and we love living here.” Mr Austin was inspired to move to a home which would provide a new lifestyle after visiting his brother who lives in a retirement village in Cape Town, South Africa. On returning home, Mr Austin and his wife looked at a number of similar options and found The Croft at Baston was the best fit for them. They enjoy the
spacious layout and wide walkways at the development, which they feel give a feeling of space and openness. They both look forward to enjoying the facilities at the Club House, which will open shortly for residents to use as a social centre. The Club House will provide a space for residents to keep up their hobbies, take up new ones or just meet with friends or family to relax and have a coffee. One of the additions the couple have made to their home is to install Citigrass, a type of artificial lawn covering, to their garden. He says: “A local firm, Cherry Holt Garden Centre from Bourne, extended our patio and installed the Citigrass, and we are delighted with it. It means we can just pull out our chairs and enjoy the sun in the summer with our new friends and neighbours and ignore it in the winter!” As Mr Austin points out, it offers a maintenance- and weed-free surface which looks great throughout the year.
What will I do without you? This is a question you never need to worry about thanks to our Pets into Care scheme. At Blue Cross we promise to take care of your pets and find them loving new homes, should they outlive you. We are dedicated to finding suitable, loving homes for every pet in our care, and, since our charity was founded in 1897, we have helped thousands of pets to continue living happy, healthy lives. We understand how much your pets mean to you and how important it is that they will be well looked after, no matter what happens. Our Pets into Care scheme can give you that peace of mind. Registering a pet is free but to help us manage the costs involved we do ask that you’d consider leaving us a gift in your Will. That way we can care for all the pets that come to us. Register your pet today and feel reassured that their future is taken care of.
Thank you for your continued support. Return the coupon or write to the address below to receive our free advice and information pack on Will writing.
Please send me:
Send to: Freepost BLUE CROSS FOR PETS
Name
Or call 0300 777 1757 and quote PIC82 Email: legacy@bluecross.org.uk
more information about the Blue Cross Pets into Care scheme a FREE no-obligation information pack on making or amending a Will
(Mr/Mrs/Miss/Ms/other)
Address
www.bluecross.org.uk Blue Cross is a charity registered in England and Wales (224392) and in Scotland (SC040154).
Postcode Telephone No.
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Find your new home at whathouse.com/new-homes
Capital idea LifeCare Residences close to completion on London’s first luxury retirement development, Battersea Place
W
h ile you might traditionally think of retirement as an opportunity to retreat to the coast or countryside, the imminent completion of Battersea Place illustrates that retirees looking for a luxury home for their later years can do so without having to sacrifice proximity to London’s world-class culture and endless “what’s on” list. Battersea Place is situated just over the road from Battersea Park, one of London’s most treasured public spaces, and offers an overwhelming list of five-star facilities to its residents – as well as a range of very high-quality homes for individual ownership, with 109 units in total, from onebedroom apartments to large duplex penthouses. Alongside the luxury lifestyle is a large, dedicated team offering personally tailored medical and domestic support to suit the varied needs of every resident, with a 24hour, in-house domiciliary care team on-hand, and the additional facilities of a separate 30-studio bedroom nursing home on-site. Already, a wide spectrum of buyers have secured some of the apartments and penthouses at Battersea Place, ensuring an interesting and diverse
community will take shape from the very start. Some have moved from just over the river, secure in the peace-of-mind of the first-class support but still within easy reach of familiar friends and favourite destinations in Chelsea, Knightsbridge and Kensington. Others are coming further to enjoy Battersea’s ‘village’ feel and convenient location for central London’s unique facilities and lifestyle options. Not that residents will be short of things to do within the development itself. Battersea Place’s own amenities include a chef-led restaurant and bar offering a mix of familiar and adventurous dishes, a health and beauty treatment suite, a superb indoor swimming pool and spa, a cinema room, snooker room and library. There’s also a landscaped garden providing a tranquil space away from London’s hustle and bustle. A front-of-house concierge will take care of deliveries and chores, and an exclusive fleet of pool cars will be available for residents to explore the capital at their leisure. The concierge himself, Jonathon Leet, is just one of a large team of highly experienced people in the carefully picked team, and LifeCare is particularly proud to offer a highquality team employed by the company,
rather than the outsourced teams some other retirement developments have, providing further reassurance and peace-of-mind to residents. For example, director of care Linda Ryan has 20 years in the nursing profession under her belt, while executive chef Hugh McGivern has 30 years’ experience. LifeCare itself is long established in its native New Zealand and already has two mature retirement developments in the UK, in Hampshire and Dorset. The company offers residents a choice of buying options and guarantees a service charge fixed at the time of purchase for the length of occupation, providing financial certainty that will be a boon to all buyers worried about fluctuating expenses. Whatever size of property buyers opt for, they can expect a very high build quality and a stylish, contemporary specification. There are two show homes for potential buyers to see first-hand, by appointment. Prices for the remaining properties at Battersea Place range from £650,000 to £2.9m. Find out more at www.batterseaplace.co.uk; 020 7228 6939
CASE STUDY: JEAN BEDFORD
Jean is a bit of an unusual case, having previously ‘downsized’ before deciding to move back into central London at a one-bedroom apartment in Battersea Place.
A Londoner, Jean was a social worker until she retired, but even then she remained active with voluntary work for the British Museum and arts-based charity NADFAS. She had lived in a house with a large garden in Windsor before moving to a small courtyard retirement development in Ickenham, west London, after her partner died. At 80 years of age, Jean realised that even after a number of happy years there, the lack of in-house care at that development was likely to be a problem. She sees the availability of experienced and individually tailored care at Battersea Place meeting her needs as and when they occur, and also loves the modern apartments and range of amenities available. The central location is also handy for getting about to see her wide network of friends. “I am really looking forward to the move,” says Jean. “I know I will use the restaurant, the library and cinema. The car pool and minibus are great ideas, no more worries about taxing and servicing, let alone garaging a car in London. Then there is the leisure suite, and as there is going to be a wonderful heated pool, I may even learn to swim!”
EN016 OM P O 2 T FR LYSTAR 80 U J ES ,9 9 IC PR £6 An ExtraCare Village
Earlsdon Park Village
Retirement living
for the not-so-retiring
Enjoy an active lifestyle at Earlsdon Park Village, with 262 beautiful new one
and two bedroom homes set among superb social and leisure facilities. You’ll be surrounded by friends, neighbours and lots of things to do, with care and support available 24/7, if you ever need it, delivered in your own home by our dedicated on-site team.
Keeping fit in
the gym
Beautifully designed apartments
“
althy and Help to stay he
well
I am so excited about Earlsdon Park Village and can’t wait to move in. Marie McCamley
”
Come and view our show apartments and see what the Village has to offer The Marketing Suite, Earlsdon Park Village, Albany Road, Coventry, West Midlands CV5 6JQ. Open Monday to Friday (10am - 4pm) For more information call or see our website
02476 480 872
www.extracare.org.uk EarlsdonPark
The ExtraCare Charitable Trust is a registered charity. Charity No. 327816 18838 Earlsdon Whathouse ad 265X340.indd 1
08/03/2016 16:59
Inspired by your lifestyle Inspired Retirement Villages are made for your happiness, health and peace of mind in later life. Discover more, call Linda at Warwick on 01926 334 201 or Trish at Tattenhall on 07469 856 190 alternatively pop along to one of our hospitality suites Warwick CV34 6AF or Tattenhall, Cheshire CH3 9DN.
inspiredvillages.co.uk F_IGA_0042 What House - FP - Retirement Special.indd 1
08/04/2016 16:59
For the latest on the property market
@What_House
Feel inspired! WhatHouse? speaks exclusively to James Cobb, sales and marketing director for specialist developer Inspired Villages. 25th May. Practical completion for Tattenhall phase one will be in October this year with the first residents moving in by November. Are you finding a lot of interest from ‘early bird’ buyers planning well ahead of when they can move in?
Please tell us a little about yourself and Inspired Villages Since 2002, I’ve been involved in retirement villages. The two project that I am now working on with Inspired Villages will be my 14th and 15th retirement village - one in Warwick and one in Tattenhall. Inspired Villages is a joint venture between English Care Villages and Places for People. Each village I work on is an education and hopefully we are getting better and better every time. How is work progressing on your current developments? Both retirement villages are under development and each is progressing very well. At Warwick we’re on track for the practical completion of phase one later this month. We’re expecting to move the first residents in by
At Warwick, we have reserved 24 out of the initial 49 homes in phase one – a total of 167 homes will be built on site. We expect the majority will be sold off-plan. These sales have been helped along by an excellent sales suite equipped with all the latest tools, including 3D physical and digital models to help achieve our targets. At Tattenhall, 21 of the 48 phase one homes have been reserved, with 151 homes to be built in total. We’re already taking queries for the future phases on both schemes which are set to be completed by 2018, so there is definitely ‘early bird’ interest. What sort of specification can buyers expect with Inspired Villages? When people are looking to downsize they usually mean they want fewer rooms but not smaller rooms. We have a high-spec for both sites which includes generously sized rooms with high ceilings and kitchens and bathrooms all equipped with the latest mod-cons. Our design is responsive to the needs of those who will be living on site. The bathrooms have walkin showers with accessible shower trays, basin and loos at a manageable height and so on. Underfloor heating is provided throughout the homes and
a touch screen control in each of the hallways will communicate with all of our village services. Each home will have a Smart TV and access to high-speed broadband, and they will be connected to our district heating system which means no need for individual gas boilers and less opportunity for things to go wrong. Is the selling process different for this kind of purpose-built property than for regular new build homes? Yes, we provide move-in packages, which means that we pay for all of the legal proceedings prior to movein. We also cover the cost of removals for each customer and essentially look after them through the entire transition. We also provide firstdeferred completion. So if a customer sells their home early, we help out with temporary accommodation. If they haven’t sold by the time their home is built, they have the option to rent their new property and then if their sale completes within six months we will return their rent payments. We’ve strived to make the entire process as easy as possible. What sort of back stories do your buyers have? 20% of our customers tend to be single men and 45% single women. The remaining 35% are couples. They are all usually self-funders and live diverse, fascinating, and active lives. What are the prime reasons your buyers are choosing to move? Our buyers’ reasons for moving are usually aspirational. We offer a
retirement 37
fantastic lifestyle with new beginnings in luxury surroundings, along with a real sense of community. Importantly, residents and their families also find great peace of mind through the knowledge that we provide first-class care services via a team that is inhouse and on-site. Furthermore, I would say around 80% are keen to retain local connections; living near to family whilst having an opportunity to lead a more fulfilling life of luxury. What kind of lifestyle do your villages offer? The concept behind these villages is to reinvent retirement. So residents will have opportunities to engage in a range of activities from community art classes to active lifestyle events, music sessions and community presentations amongst many other lifestyle offers. Essentially they will be able to engage with new hobbies and explore new pleasures. There will be a bistro and restaurant on site, as well as a spa pool and gym, a shop, and transport provision that will support residents with travelling to and from nearby villages, sites and attractions. In terms of costs, we have a wellproven method of funding the villages which is designed to ensure resilience to external factors and keep everything as near to new standards as possible. There is a weekly service charge of about £120 which covers employment
of 60-70 staff on each site, as well as everything from property insurance to transport provisions, gardening upkeep and discounted meals and services. There is also an exit fee which is set at 10% (less in the first three years) of the property resale prices. As well as providing us with a return on the capital investment in central facilities, this is used to fund the resale of the properties as well as building up a maintenance pot; thus ensuring that all properties are kept in good condition. In addition to funding the upkeep and retaining property values on behalf of residents, there is also a charitable element for those who may have fallen on hard times. Our residents will have the opportunity to decide which local charities receive any funds. What’s in the pipeline for 2016 and how do you expect the property market to change in that time? We have the two villages under development with many more sites going through different stages of planning. Whilst predicting the property market can be tricky to say the least, what I would say is that historically, in my experience, phase one properties increase in their value by 10-15% as we begin to sell phase two. For around ten years they will then tend to exceed prices on the local property market after which they begin to follow trends more closely.
For the latest on the property market
One-on-one interview
We speak to Sarah Burgess, who is at the helm of specialist developer Retirement Villages
The demand for age-exclusive retirement developments has grown immensely. As people are now living longer, there is an increasing need to offer continuing care to meet their needs. Increasing numbers are choosing to downsize in retirement and are seeking the peace of mind that comes from living with like-minded people where support is on-hand should it be needed. Our challenge is to ensure that we provide the highest level of quality accommodation, specially adapted to support them should they become more frail; extensive communal facilities and customer service to
enable residents to enjoy a fulfilling retirement lifestyle without many of the daily chores associated with living in a large family home that needs constant maintenance. We are, however, noticing that improved healthcare means that people are choosing to make the retirement village move later in life. What developments is Retirement Villages currently working on? We currently operate 14 villages across Cornwall, Devon, Somerset, Wiltshire, Oxfordshire, Surrey, Sussex, Essex, Hertfordshire, Lincolnshire and Warwickshire. In some of those we are working on new build phases. At Elmbridge Village for instance, which is our original village developed some 35 years ago, we are undertaking
Discover the freedom renting in retirement can bring...
www.girlings.co.uk
How is the company’s philosophy reflected in the homes it produces? We want all our residents to live as fulfilling a retirement lifestyle as possible. Villages are vibrant places with lots of special interest groups, events
Is the homeowning public growing more aware of the benefits of moving to specially designed developments for retirees? When Retirement Villages first launched, the idea of a village for retired people seemed radical – but over the years as more and more operators have seen the business potential and recognized the demographic need, the general public has become increasingly aware of this lifestyle. We have been featured on a wide range of television programmes, newspaper articles and in lifestyle and property magazines over the years. The concept is no longer ‘new’ – and is now considered to be a realistic option in retirement for more and more couples and individuals.
Without doubt, the best property decision you may ever make... 55+? Did you know you can rent private retirement property on a Life Long Tenancy which gives you the right to remain living in the property for as long as you wish, with service charges and maintenance included in the rent? ty Spec r e
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a multimillion-pound project to deliver a brand new, magnificent communal clubhouse called Elmbridge Manor, with a wide range of facilities for residents; plus a selection of new apartments. Additional new build properties are also under construction at Lime Tree Village near Rugby and Charters Village, East Grinstead. Other completely new villages are on the drawing board for early construction in East Sussex, Kent and Essex, with more in the pipeline.
and organized functions. Residents can dip in and out of the social calendar as they see fit. Essentially, we encourage residents to shape the retirement lifestyle they want; we simply provide a range of options. We are committed to remaining contemporary but practical in our property development. Our target audience is very discerning. They expect high standards including in the landscaping and grounds; build quality; external and internal finish; communal facilities; customer service and above all, warmth and care from all our staff. They are the standards we set ourselves as a business and work hard to ensure we reflect that across everything we do.
ent prop m
Purpose-built retirement villages are climbing the housing agenda – how has the sector changed in your time in the industry?
@What_House
ng retire tti
38 retirement
For the latest on the property market
retirement 39
@What_House
Residents at St George’s Park retirement village in Ditchling enjoy one of the UK’s most popular recreational sports
E
A bowled plan
joyed by over a third n of a million players in the UK, bowls is up there with swimming and golf in its popularity with people of all ages. It is hard to think of another sport where it is not uncommon to see players in their 70s or 80s compete against opponents in their teens or 20s, and still be able to win. With an onsite bowling green and indoor short mat bowls, St George’s Park in Ditchling, East Sussex, offers its residents the chance to play all year round, whatever the weather Philip Smith, sales and marketing director of St George’s Park, says: “Bowls is one of our countries quintessential sports but many bowling greens are now under threat from developers, meaning that it is becoming harder for active bowlers to play their beloved sport. At St George’s, resident need not worry about where their local bowling green is as they will always have access to the indoors and outdoors bowls areas.” When completed, St George’s Park retirement village will provide 240 apartments for over-60s, set in 250 acres of parkland and landscaped grounds. The final phase now on offer has some of the most impressive homes in the scheme so far, with the
Thinking of selling your home? Do you know how much your home is really worth? Find out with our FREE valuation service. It’s a quick and easy process that you can carry out online or over the phone. Visit www.whathouse.com/value-my-house
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two-bedroom apartments in Purchace Manor occupying the footprint of the site’s original nursing home. Due to open later this year, Rafael Court offers new one-bedroom apartments in a building that also houses the village’s leisure centre and health club, which will boast an indoor heated swimming pool, gym, Jacuzzi, sauna, games room, therapy room, café and hairdressing salon. There is also table tennis, snooker, line dancing and short tennis on offer, ensuring a very active social life! There are even more pastimes to enjoy outdoors, including fishing in the lake, croquet and an allotment club, along with a host of activities organised by the residents association, from and art club to a local history group. The specially designed apartments accommodate the latest standards for access and mobility and, for peace of mind, all apartments will be fitted with integral monitored security, video entry and fire alarm systems. The latest phase of properties at St Georges Park start from £460,000 for a two-bedroom apartment in Purchace Manor and from £310,000 for a onebedroom apartment in Rafael Court. Find out more at www.stgeorgespark. co.uk; 01444 259732
A life changing move It is now a year since Steve and June Bradley moved into their new home in Durrants Village in Faygate, near Horsham – exclusively for the over 55s* and one of the latest being built by award-winning retirement lifestyle specialist Renaissance Villages.
H
aving witnessed parents leaving it too late to cope well with downsizing in their advancing years, Steve and June were keen to make their own move in good time, while they were still well able to manage the process themselves and deal with the inevitable accompanying upheaval. “We had never been to Horsham and found we really liked what we saw, plus we loved the show home. We investigated and found a great church nearby too – which is very important to us – and so, with all those things in place, we put down a deposit very quickly!”
EXCEPTIONAL QUALITY The Bradleys chose a two/three bedroom home at Durrants Village and were very pleased with the size of not only the bedrooms and en-suite bathrooms, but also the living areas. “Most of the houses we had seen with a similar number of rooms were small starter homes and, whilst we wanted to downsize, we definitely did not want to downgrade. The rooms are not only a good size but are all exquisitely fitted. The finish is of a very high standard, which is important to us.” Steve is still working parttime as a business consultant and says his new lifestyle lends itself well to those who still have a job. He says, “The fact that we no longer have to do the gardening and general maintenance is such a plus point. Now we can enjoy our leisure days knowing that
We simply love life at Durrants Village. We feel as though we are on holiday all the time!
mornings, wine tastings and parties – ideal for those living on their own, as well as couples, looking for company and friendship.
everything is taken care of. We simply love it. We feel as though we are on holiday all the time!” Durrants Village is a gated development and as the couple plan to go away for extended periods of time, knowing that they can simply ‘lock up and leave’ is something that greatly appealed to them when they first considered such a move. STUNNING CLUBHOUSE The recently opened clubhouse is a focus of social activities with fitness centre, pool, library, medical centre, games room, meeting room, bar and restaurant. A wide range of clubs and societies will be organised by the residents themselves such as art, table tennis, dancing, bridge, coffee
For more information:
01293 851 935
WWW.DURRANTSVILLAGE.CO.UK *Subject to conditions. Prices correct at time of going to press.
Steve and June Bradley: Whilst we wanted to downsize, we definitely did not want to downgrade.
PERFECTLY LOCATED Horsham, with its beautiful surroundings, historic buildings and modern facilities has also been a pleasant discovery for the couple – In a recent survey Horsham was voted the second happiest town in the UK. Steve and June have made new friends too – not only at
Durrants Village but also through their church, which has given them a new social life and one which is close by. “We would highly recommend Durrants Village for anybody who is looking to downsize and enjoy a good lifestyle. Taking that first step is often the most difficult and we would strongly advise not putting it off for years and years. We have seen too many people who have left it too late and then it becomes stressful and overwhelming. We are so glad we moved when we did.” The development enjoys an idyllic setting in 30 acres of parkland with beautifully maintained grounds and Faygate’s semi-rural location is ideal for those wishing to take walks in the nearby countryside, yet only a short drive away from all the facilities in the nearby pretty market town of Horsham. • www.durrantsvillage.co.uk
NEW SHOW HOMES OPEN SOON. PRICES STARTING FROM £249,950 PART EXCHANGE SCHEMES
COUNTRYSIDE LOCATION
PET FRIENDLY
For the latest on the property market
@What_House
retirement 41
New assisted living development launched in ‘designer town’ of Poundbury McCarthy & Stone, the UK’s leading retirement homes specialist developer, has launched its latest project, a flagship assisted living scheme for the over-70s in Poundbury, the urban designer town pioneered by Prince Charles.
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o wes Lyon Court is the work of renowned architect and urban planner, Leon Krier and architectural designer Ben Pentreath and in keeping with its setting, is looking for a new approach to the design and build of property dedicated to the needs of older people. Taking its name from the family of the late Queen Mother, the development will only use materials sourced and manufactured in the UK. The contemporary design will incorporate cast iron and wrought iron features, giving it a n “elegant industrial” character, and will have 25,000 sq ft of communal space for residents of its one- and two-bedroom apartments to enjoy. Communal facilities include a wellbeing suite, library, restaurant, café atrium and snooker room, as well as a guest suite for visitors to use.
Clive Fenton, chief executive officer for McCarthy and Stone, says: “McCarthy & Stone is delighted to be working with the Duchy of Cornwall on this site. The scheme has provided us with an opportunity to create a unique design, suitable for this prominent location in the Poundbury development. “The development is designed to offer homeowners the very best in independent living within a safe and secure environment. It will also provide huge benefits for the wider community and the 174 local businesses in Poundbury. In fact, we estimate that homeowners in a scheme of this size will spend roughly £6m every ten years in the local community.” The development is part of McCarthy & Stone’s Platinum Range, so the specification is from the top of the company’s range. There is also emphasis on its eco-credentials,
with energy efficient double glazing, thermal insulation and low-energy lighting and water-heating systems. There is now a marketing suite open on site from 10.30am to 5.00pm, Tuesday to Saturday, where potential buyers can find out more about the properties available at the £21m scheme. Fenton adds: “McCarthy & Stone is addressing the chronic under-supply of suitable properties for later life, whilst also freeing up under-occupied properties, impacting on the entire housing chain. There has been growing demand for this type of housing, and we expect it will be popular with both locals and the many people who aspire to downsize here.” Find out more at www.mccarthyandstone.co.uk; 0800 310 0383
Audley Retirement launches new brand to provide more new build properties for retirees Award-winning developer launches new mid-market brand to retirement homes sector
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u dley Retirement, the luxury retirement village operator, has launched a new brand of retirement property developments as part of its ambitious five-year growth plan. Audley will be investing £200m in
Mayfield Villages over the next five years, with immediate plans for two developments which will provide 500 new retirement homes between them. The plans see Mayfield Villages acquiring two sites every year, with a total of 2,500 homes between them all in five years’ time.
Audley describes Mayfield Villages as a “mid-market” brand, working alongside its premium Audley Retirement brand. The cost of apartments at a Mayfield Villages site is estimated at starting from around £200,000, with sizes ranging from about 525 sq ft for a
one-bedroom property to 775 sq ft for a two-bedroom unit. Residents will have health clubs on site providing swimming pools and fitness rooms as well as restaurants and care facilities. Nick Sanderson, CEO of Audley, says: “The demand versus supply for
high-quality retirement housing has long been an issue in the UK market, with the desire to downsize simply not being met with enough quality options. The more research we did, the more we realised there was a lack of contemporary, aspirational and secure retirement properties with flexible care provision in the middle section of the market that needed to be addressed.” The research Audley undertook found that of 19million of the British population over the age of 55, 80% are homeowners, with an aggregate property portfolio valued at approximately £1tn. Some 58% of over-60s are actively looking to downsize, with an almost universal will to avoid traditional care homes, but are thwarted by a lack of suitable housing to meet their needs and aspirations in later life. In all, Audley sees a potential market of 4.5million homebuyers looking to make the most of their increasing longevity in “modern, attractive and secure environments” – crucially, maintaining their independence and with the security of owning their own property. Sanderson adds: “The growth potential for the retirement village sector is huge, and allowing older people to downsize from family homes into properties better suited to both their current and future needs frees up homes for others, creating muchneeded movement in the property market. Mayfield represents the next stage of development for our business. It is an exciting step forward in meeting this growing demand with high-quality housing and facilities across the whole market.”
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Churchill’s Simmonds Lodge offers perfect solution for active retirees A welcoming community, active social life and no worries about maintenance. For Jim and Brenda Lacey, moving to Churchill Retirement Living’s Simmonds Lodge development in Drayton ticked all the boxes.
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he couple moved from their home in nearby Horndean earlier this year where they had lived for 22 years. Jim explains: “We were living in a threebedroom house with a large garden that was getting too much for us to maintain. We were attracted to the idea of retirement living because we wanted somewhere that was modern, safe and secure with a great social side too. We’d already thought about making the move when I began suffering from heart problems 18 months ago. I was in and out of hospital for treatment, which really finalised the decision for us – we needed to downsize. “We looked at several of Churchill’s lodges on the south coast but decided that Drayton was the right place for us. We knew the area very well and it is in a really nice part of Portsmouth. We are a very independent couple but having the added security and benefits of having an on-site Lodge Manager, especially for future peace of mind as we get older, is great. We thoroughly enjoy having the company of the other Owners too and have quickly made new friends.” Since moving to Simmonds Lodge, Jim, aged 68, and Brenda, 67, have settled in well and have now found time to enjoy some old hobbies. “Because of my
previous health issues, I have to make sure I keep myself fit and active,” said Jim. “I make great use of the on-site Fitness Suite we have at Simmonds Lodge and make sure I use the treadmill for at least half an hour every day. Brenda and I have also started ballroom dancing again, which we enjoyed doing for more than 25 years. I had to give it up for a short time but we contacted a local dance school recently and have started dancing once again - we love it!”
It’s nice knowing we can lock up and leave and everything will be safe and sound when we return. Jim and Brenda have also been making the most of the freedom and stress free lifestyle that retirement living offers by booking a few holidays abroad, including travelling to Melbourne in Australia to visit their daughter and two grandchildren. Brenda said: “Our son lives close by but we haven’t seen our daughter in nearly two years so it’s nice knowing we can lock up and leave and everything
Home is at the heart of your retirement
Thinking Retirement... Think Churchill.
Living in a beautiful Churchill Retirement Living apartment really makes a lot of sense when the time comes to considering retirement options. Secure, worryfree, with a social life to join in with when you want, and all whilst remaining independent – our Owners often wish they’d moved here years ago! Our Lodges are conveniently located close to local shops and amenities – and with our experience and award-winning personal service, it could be easier than you think to make that move.
Make the first move towards Churchill Retirement Living today – you’ll be surprised how easy it can be.
ADDED PEACE OF MIND • Lodge Manager • Owners’ Lounge • Guest Suite for friends and family • Landscaped gardens
• 24-hour support • CCTV security entrance system • Parking • Lift to all floors
Call TODAY to see how we can help you move
0800 458 1853 Visit churchillretirement.co.uk
will be safe and sound when we return. Moving to Simmonds Lodge was definitely the right move for us and we would recommend Churchill to everyone. “The Lodge Manager and sales team have been extremely helpful throughout, and the site manager happily assisted us with a few odd jobs that needed doing when we moved in. We also used the Selling Made Easy Service, which took away all the stress of selling our old property. We also saw it as a nice opportunity to start afresh so we ended up selling the majority of our furniture before we downsized – something I’d definitely recommend doing in advance.” FOLLOW US
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Retirement apartments for sale across the south
DRAYTON - Simmonds Lodge, Havant Road 02392 809127 • Open daily
FLEET - Russell Lodge, Branksomewood Road 01252 883996 • Open daily
PORTSMOUTH - Summerson Lodge, Alverstone Road 02392 809440 • Open Tues -Sat
RINGWOOD - King Edgar Lodge, Christchurch Road 01425 384865 • Open daily
ROMSEY - Abbey Lodge, Bridge Road 01794 725381 • Open daily
SOUTHAMPTON - Chadwick Lodge, Devonshire Road 02380 082606 • Open daily
ORPINGTON - Atkins Lodge, High Street 01689 414506 • Open daily
CATERHAM - Caterham Lodge, Stafford Road 01883 787140 • Open daily
CAMBERLEY - Stokes Lodge, Park Lane 01276 862439 • Open daily
LEATHERHEAD - Emmeline Lodge, Kingston Avenue 01372 372200 • Open daily
WALTON-ON-THAMES - Ash Lodge, Churchfield Road 01932 283886 • Open daily
WARLINGHAM - Greenacres Lodge, Limpsfield Road 01883 787251 • Open daily
A gift for you... CLAIM YOUR
£10 M&S GIFT CARD
To find out more about moving into a Churchill Retirement Living apartment, why not visit your nearest development today? We are so sure you won’t be disappointed that we are offering everyone who visits one of the developments listed above before 6th May 2016, and takes a tour of the Show Complex, a £10 Marks and Spencer gift card.*
Please remember to bring along this advert to claim your free voucher. *T&Cs. One £10 M&S gift card is available to visitors aged 60 or over who take an accompanied tour of the Show Complex at any of the selling developments listed by 6th May 2016. Only one gift card per Customer on their first visit only. Please remember to bring along this advert with you to claim your free £10 M&S gift card. The M&S gift card promotion is not applicable on any dates where we are holding an event and cannot be used in conjunction with any other offer.
Make your move in 2016 2, 3 and 4 bedroom contemporary homes built to a high specification near Plymouth, South Devon
Current prices from
£229,995* *as of 02.11.15
View from ‘The Clipper’ properties
The Boatyard, The Old Wharf Oreston, Plymouth PL9 7NP
01752 408091
theboatyard@cavannahomes.co.uk Open Thursday to Monday, 10am–5pm
LET US HELP YOU TO SELL
Move Assist available. Please ask for details.
www.cavannahomes.co.uk
Available on this site
GR L E O Jus t o CAT AT ff t IO he N A3
A new development of 2, 3 & 4 bedroom homes in Dartington Prices from £219,000* at time of print *as of 02.11.15
The Westcombe Show Home
Marketing Suite open Thursday to Monday 10am-5pm
origins@cavannahomes.co.uk | 01803 868911
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A life of luxury
Horseshoe Farm, Ruckinge – £1.3m
with Fine & Country
This month, Fine & Country sharse three homes currently on the market in Kent Thanks to Fine & Country www.fineandcountry.co.uk
17th-century Oast Barn, Edenbridge £1.7m
A stunning Grade II listed 17th-century oast barn conversion set in an idyllic location with excellent communication links. The cleverly redesigned interior reveals a flexible and contemporary home with five bedrooms, four reception rooms, three bathrooms (all with suites) and a superb bespoke kitchen. Light and airy, the huge vaulted living area opens out onto the outside, making it perfect for parties. The property sits in a level plot of around half an acre with attractive gardens, secluded suntrap terrace, summerhouse and beautiful views over the surrounding countryside. Located on the outskirts of Edenbridge with a Waitrose, restaurants and cafés and excellent road links to the M25 via the A22, the area also benefits from six grammar schools and leading independent schools including Sevenoaks School. There are direct train links into London Bridge in less than 45 minutes from Edenbridge Town and Hurst Green station on the Victoria line is approximately seven minutes away. For full details call 01883 653040
Park House, East Sutton – £1.6m
Set on a ridge of spectacular countryside, this six-bedroom, four-en suite detached home also features six reception areas and a cinema room. The property is nestled among a small cluster of equally impressive homes that were developed within the grounds of a nearby former school, now a private residence. Fittings throughout the property are of high calibre, especially evident within the expansive kitchen and bathrooms. Externally the plot is considered generous at around two thirds of an acre. The local villages provide excellent amenities, from shops and schools, both state and private, to country pubs and restaurants. The mainstream facilities of Maidstone are just a short drive away, as are a choice of mainline rail stations with services to London. The motorway network is also close for access to the Channel Ports, the Channel Tunnel or the Eurostar at Ashford International. Find out more on 01732 222272
This home offers great flexibility for occupation by a single or extended family or the possibility of extra income from the cottage and lodge. The attractive weatherboard and brick main house has a kitchen/breakfast room to the rear and is beautifully fitted with light wooden units. A door leads to a utility room and the double-glazed doors lead into a sitting room to the front of the property with a wood burning stove and a dining room to the rear. One en suite bedroom is to the ground floor and four-bedrooms are on the first floor with an en suite and balcony to the master bedroom and a family bathroom. The adjoining annex has three bedrooms and two reception rooms while Horseshoe Lodge is currently used as an office. The gardens are mainly lawn with mature trees and are laid out around a spectacular central summerhouse with large decked area and hot tub. There are further outbuildings, paddocks and woodland. Nearby Hamstreet has a primary school, local shops and a branch line station. Shopping, leisure and educational facilities can be found at Ashford six miles away. High Speed Link services to London St Pancras from Ashford International take around 38 minutes and there’s good road access to the M20 direct to Dover and the M25. For more details call 01580 766388
Home on the Grange New homes come to Preston, near Canterbury
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i d-May sees a brandnew community in Preston, around eight miles east of Canterbury, getting underway, at the official launch of David Wilson Homes’ Preston Grange development. The eagerly awaited development will open on Saturday 14 May offering something for a wide range of househunters, with an impressive selection of three-, four- and five-bedroom homes. Visitors to the launch event will be able to see inside the ‘Moorecroft’ show home for the first time. This fivebedroom home features a spacious kitchen/dining area with French doors leading to outside space on the ground floor, where there is also a wellproportioned lounge and study area. On the first floor, there are four bedrooms with the second bedroom complete with an en suite. Meanwhile, on the second floor there is the master bedroom, complete with an en suite, and a walk-in wardrobe. Pam Reardon, sales and marketing director for David Wilson Homes,
hails “strong” homebuyer interest already. “The location, coupled with the style, comfort and spaciousness of the homes makes it easy to see why,”
she says. “We are excited that the wait is almost over and that we will soon be opening the doors to this flagship new development.”
Once complete, the development will feature a footpath link to the surrounding meadowland, a playground and wildflower
landscaping to support local wildlife. Find out more at www.dwh.co.uk; 0844 854 9937
48 advertorial
Find your new home at whathouse.com/new-homes
A cut above A superb luxury new residence is now for sale in leafy Esher
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i th a heritage covering some 300 properties since its founding 30 years ago, Wentworth Homes has earned a reputation for building homes of fine quality in some of the most sought-after locations across Berkshire and Surrey. Wentworth House in Esher is no exception, living up to the company’s philosophy of individuality, a must when buyers are paying several million for their new home. This new home, set on a plot of 0.4 acres within walking distance of Esher’s
town centre and station, stretches to some 6,250 sq ft of accommodation over three floors, with outlooks across beautifully landscaped gardens. The design, specification and finish throughout are of the highest quality, and whichever direction you look, there are numerous details underlining the attention to detail of every aspect of construction and fitting, from the use of materials such as natural marble, porcelain and walnut to the latest technology in its media, lighting and security systems. The impressive hallway at Wentworth House leads to multiple
reception rooms, with a feature staircase to the upper storeys. The heart of the home is the large, open-plan kitchen/breakfast/ family room, which features bespoke, hand-crafted units from Alexander Lewis, Miele and Liebherr appliances and composite worktops – plus, the must-have boiling water tap and wine cooler. A fitted utility room allows the main kitchen to remain uncluttered. Also on the ground floor are a separate dining room and a drawing room, which, like the family room, opens onto the rear garden. At the front of the house is a sizeable study
and there is access at one side to the attached double garage. On the first floor are four bedrooms. The master has a dressing room and a large, twin-basin en suite with shower and bath. Each of the other three bedrooms has an en suite and fitted wardrobes. On the top floor is a fifth bedroom and a shower room, alongside a large store room and a recreation room that could be a perfect den, cinema room or workshop/studio. Esher itself combines convenient access into and out of London with a delightful village ambience, which has made it one of Surrey’s most
sought-after towns. The great schools nearby will tempt family buyers, while residents of every type will enjoy the mix of cafes, salons and boutique shops. Sandown Park racecourse provides an excellent diversion, alongside numerous renowned golf courses. Wentworth House is currently being marketed at £3.25m.
Find out more at wentworthhomes.co.uk; 01784 451717
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LUXURY LIVING FOR THE OVER 55S NEAR BATH A collection of fourteen, 1 & 2 bedroom apartments and 2 & 3 bedroom cottages located in the beautiful heritage village of Norton St Philip, 6 miles south of Bath. Designed and finished exclusively for the over 55s and positioned in a unique setting and part of a multi-award winning development.
OPEN TO VIEW FRIDAY TO SUNDAY 10 A M - 4 PM Apartments priced from £250,000 - £347,500
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Houses priced from £500,000 - £539,500
t: 0203 468 4933 | e: cgleed@savills.com For more information please visit www.churchview-nsp.co.uk
Prices correct at time of going to print
Winner
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hampshire 51
Period property of the month with Strutt & Parker
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h is delightful family home is understood to date back to the late 17th century and was formerly a cottage, which was substantially enlarged on the south side in 1850 by Alderman Binney, the then Lord Mayor of Winchester. It is understood that Binney left money to the Winchester Cathedral architect who, it is thought, was very influential in the design of the extension. Constructed of whitened brick elevations, incorporating window shutters to two sides, beneath a tiled roof, with a single-storey slate roofed extension at the rear, the cottage has been well maintained by the present owners over the last 25 years. The comfortably proportioned and light and airy accommodation, which is based on three floors, with the added benefit of good cellarage is ideal for families, with good ceiling heights throughout. There are six principle
bedrooms and two bathrooms to the first floor with two secondary bedrooms on the second floor. The four reception rooms include a drawing room, dining room, sitting room and spacious kitchen breakfast room leading to a utility room and larder. An attached annex provides further living accommodation and a bedroom with en suite bathroom, which could house an elderly relative or au pair. The grounds include a heated swimming pool, outbuilding, garaging, store and workshop. The property is approached from the road through a pair of white ornamental wrought iron gates over a drive up to a parking and turning area, flanked on one side by a good size area of lawn with a number of specimen trees, shrubs, and a rose bed with a stone retaining wall. Along the southern boundary there is a mature conifer hedge. The cottage forms part of the
Secret agent Retired couple at Lymington Shores invites Redrow contact as witness at secret wedding
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e drow sales executive Helyn Niblett got a big surprise from clients recently, when retired couple Tony and Peggy Venn, who had purchased a luxury apartment at waterside development Lymington Shores, asked her to be a witness at their secret wedding. The couple tied the knot on 3 February in a spontaneous ceremony at Ringwood register office, with only Helyn and one other witness there to see it happen. Peggy says: “It was New Year and we thought: we’re just going to go off and get married! We booked it and kept it secret, and asked Helyn to be our witness because she was one of the first people we met here when we were buying our new home. “We got married and then we phoned up our children to tell them. They were shocked but were very
happy for us. At our time of life we wanted to just get on with it.” After a modest wedding breakfast at the Stanwell House Hotel in Lymington, the newly-weds returned to their new home to find a “Just Married” sign on their door, courtesy of the Redrow team. The couple met as friends, but following the deaths of their respective partners in 2010, a romance slowly blossomed and they made a home together in Uxbridge, west London. Their new apartment at Lymington Shores is a symbol of this new chapter in their lives. They spotted the development when on holiday in the area and were impressed by the array of highspecification one-, two- and threebedroom apartments, penthouses and four- and five-bedroom luxury detached villas available on the site. They soon reserved their ideal twobedroom home at the off-plan stage
Conservation Area within the older part of the village of Kings Worthy, which lies just to the north east of Winchester. Good amenities close at hand within the village including a post office/store, church, primary school, Tesco Metro and two pubs. There is also a first-class farm shop, which includes a general store, very good butcher, café and garden centre. Winchester is within a short drive with a mainline rail services to London Waterloo in just over an hour. There are excellent schools for all ages within the city and the surrounding area, including St Swithun’s for Girls and Winchester College, as well as the renowned sixth form college, Peter Symonds. There’s good access to the M3 and A34, which connects to the south coast and London via the M25 and Heathrow Airport to the west. Find out more at www.struttandparker.com; 01962 869999
and were able to move in to enjoy Christmas 2015 in their new home. Peggy recalls: “When we first passed Lymington Shores we wondered if we could get in and have a nose around. When we got back home, Tony said, ‘I could live there’. I was quite shocked! But we put the house on the market and it sold the next day. We put our deposit down and it all went from there – it was done in 10 weeks. “Every day we wake up and think: how lucky are we? We feel we’re very lucky to live in such a lovely place, in a lovely home, and with all these lovely people around us.” Following their own purchase, Tony’s sister Angela and her husband Alec put down a deposit for a holiday home at Lymington Shores as well. Peggy adds: “It’s been non-stop with friends and family coming to visit us. They all think it’s wonderful and when they walk in they say, wow – because it’s a very modern building and we have gone very modern with our choices. Our old house was 200 years old! “In fact, Tony worked as a builder for 50 years and he noticed the building was a very high standard. He was actually quite taken aback by the quality of the fixtures and fittings – he couldn’t believe it. “We are definitely happy to have made the change. It’s the best thing we have done and we’re really thrilled with it, we can’t express how brilliant it’s been.” Redrow’s Helyn Niblett says: “Tony and Peggy’s story is wonderful. They’re an amazing couple and I think they’re going to be very happy at Lymington Shores.” Find out more at www.lymingtonshores.co.uk; 01590 718970
Opening hours Mon-Sat: 10:00-19:00
“Luxury handmade furniture designed and made exclusive for you”
“We don’t just sell furniture we create living spaces”
“Handcrafted by master craftsmen” T: +44 (0)208 529 2222 E: info@leberta.co.uk W: www.leberta.co.uk 7 Hall Lane, Chingford, London E4 8HH Leberta_What_House_Newspaper.indd 1
26/02/2016 11:27
KnightFrank.co.uk
Wentworth, Surrey
Guide price: ÂŁ3,500,000
Beautifully presented, recently refurbished detached character home in a south facing half acre plot, situated on the Wentworth Estate. 5 bedroom suites, fabulous entrance hall, 4 reception rooms, kitchen/breakfast room with family area, snug area, utility, cloakroom, summer house, garaging, delightful private south facing gardens. KnightFrank.co.uk Office: 01344 840020 virginiawater@knightfrank.com
KnightFrank.co.uk
Wentworth, Surrey
Guide price: ÂŁ3,650,000
Stunning brand new house with the accommodation arranged over three levels extending to just under 6,500 sq ft. Spacious reception hall, 4 reception rooms, kitchen/breakfast area, utility, 2 cloakrooms, 5 bedroom suites, leisure/bedroom 6, au-pair suite, south facing landscaped gardens. In all about 0.5 acres. EPC rating B. KnightFrank.co.uk Office: 01344 840020 virginiawater@knightfrank.com
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Take it to A the bank Just a few riverside homes left at Lower Sunbury at Velare Place
waterside setting can make a home really special, and with only a few properties left to buy, that’s certainly been the case at Velare Place, a gated development in Lower Sunbury, Surrey, from Linden Homes. For buyers of one of the final properties here, there is now an opportunity to apply for an official mooring, if the property is on the waterfront – another bonus for those who enjoy the special freedom of navigating the Thames in their own craft. But even without a mooring, the riverside location, together with the area’s other great benefits such as good schools, lovely villages nearby
and plenty of green open spaces, give the development great appeal to a wide spectrum of buyers – so much so that just a few plots remain unclaimed. Darren Maddox, managing director at Linden Homes South East, says: “This is the last chance to buy a home at Velare Place and with spring almost here, and summer on its way, what better time to buy a waterside house? Prices for the homes start at £899,995 for a four-bedroom semidetached home (‘The Hillary’) and £1.2m for the five-bedroom semidetached home (‘The Gagarin’). What’s more, the company can offer assistance to buyers who may not want to face the hassle of selling their existing property, subject to terms
and conditions. “You could consider the Linden Homes’ Part Exchange Scheme,” says Maddox. “Under the scheme, Linden Homes agrees a price for your current home with you, then organises the marketing, the viewings and pays the estate agents. All you have to do is choose which of the Velare Place homes you want to buy.” Sunbury is well located, with a 45-minute rail commute into Waterloo – down to 30 minutes from nearby Walton-on-Thames. For drivers, the proximity of the M3 and M25 are a boon, with easy links to London’s major airports and many major towns and cities. Find out more at www.lindenhomes.co.uk; 01932 282132
Surrey – a buyer’s guide
James Wyatt, partner of Barton Wyatt, takes a look at the premier locations of Virginia Water and the Wentworth Estate How important is garden design in this upmarket enclave? Garden design is in vogue as much today as it was in the mid-1700s, although gathering exotic plants and well-established trees is an easier accomplishment now. We regularly offer advice to landlords, tenants, buyers and sellers when it comes to the foliage in their garden. Barton Wyatt is situated in the heart of this millionaire’s paradise. Drive around the estate during any daylight hour and most homes will have gardener’s vans on the drive while the steady hum of a leaf blower pervades the air. Capability Brown was no stranger to Surrey, working on the magnificent gardens of Kew, Hampton Court, Claremont and Clandon Park, to name a few. Are there any local gardens to visit for inspiration? We are blessed in the vicinity with some wonderful gardens to visit. The Savill Garden is part of the Royal landscape of Windsor Great Park
and is just moments from Virginia Water. Here, gardens and woodland can be enjoyed by everyone from dedicated horticulturalists to families wanting to enjoy someone else’s green fingers. A couple of miles further afield is Great Fosters where the garden is designed to replicate the intricate beauty of a Persian rug. In the summer fragrant beds of flowers and herbs are bordered by manicured hedges and topiary. Homeowners like to introduce some of these greenfingered ideas into their gardens and we are able to put our clients in touch with some visionary gardeners in the locality. How important is the garden when selling your home? An unloved garden will do nothing to help sell your home or get a tenant in situ quickly. Smart homes with manicured gardens sell ten times quicker than a garden that has been left to run riot. Indeed, we do not accept houses for rental that have
not had their gardens attended too – it would be a waste of everyone’s time. Once a tenant is living in a rental home we can arrange for a gardener to come weekly to keep it in shape. I would say that 95% of the gardens on Wentworth are maintained by professional gardeners – people living in these homes are captains of industry and often running their own businesses. I am sure they would love to deadhead the dahlias but, quite frankly, they don’t have the time. Many of the homes we sell are newly built and developers must work hard to create something that doesn’t look too barren and new. Savvy developers work with landscape architects from the onset of the project, creating external plans that keep existing foliage and trees. These are often trimmed back as the schemes commence and shaped to perfection as the last paving stone is laid. Find out more at www.bartonwyatt.co.uk; 01344 843 000
Wentworth Homes, Wentworth House, 23 The Causeway, Staines, Middlesex, TW18 3AQ 01784 451717
Dudmaston, Heather Drive, Sunningdale, Berkshire A magnificent family house on one of the most exclusive private roads in Sunningdale. Five reception rooms, five bedrooms, five bathrooms and a large recreation room on the second floor. Generous south facing plot. Price ÂŁ2,750,000
Windrush, Elgin Road, Weybridge, Surrey Three luxury townhouses within easy walking distance of Weybridge station and town centre. Traditional build with 4 reception rooms, 5 bedrooms and 3 or 4 bathrooms. Exceptional specification and prices from ÂŁ1,250,000. Available early 2017
Wentworth Homes, Wentworth House, 23 The Causeway, Staines, Middlesex, TW18 3AQ 01784 451717
About us For over thirty years Wentworth Homes has created premium properties across the finest locations of Surrey and Berkshire. Encapsulating the unique qualities of the local area, our team of highly skilled craftsmen ensure exceptional levels of finish in bespoke properties that lead the way in design and specification. Wentworth Homes has completed over three hundred exclusive homes across Berkshire and Surrey. Each property is individually designed, carefully crafted, and is perfectly suited to its location. At Wentworth Homes we have a philosophy based on two overriding principles. First, we ensure meticulous attention to detail. The hands-on approach of our co-founding directors guides all aspects of the business, and each key discipline remains strictly in-house, from initial concept through to design and construction. Our team of directly employed professionals, many of whom possess twenty years of experience, safeguard exceptional levels of quality throughout every project. Secondly, we maintain a strict policy of individuality. Rather than conventional builds, we plan each house according to the specific site, considering the character of the local area along with global environmental issues. Every aspect is considered and reflected through unique, premium design. Wentworth Homes has won numerous accolades over many years, both for the quality of its homes and our excellence in customer service.
Thurlestone and Buckland House, Fairmile Park Road, Cobham, Surrey Two new houses in the popular Fairmile district of Cobham. Five reception rooms, five bedrooms, five bathrooms and a large recreation room on the second floor. Prices from ÂŁ2,750,000
BUY OFF PLAN, ENJOY FIRST CHOICE COME TO CALA NOW Computer generated image - The Gloucester
4 BEDROOM DETACHED HOMES FROM £460,000 Available with up to 100% part exchange* to help make your dream move happen
Call to register your interest or we would be delighted to welcome you to the development.
WYCHBURY FIELDS, HAGLEY, DY9 9LG
CALL 01562 569 771 CALA.CO.UK
WHAUG *CALA will obtain 2 independent valuations based on achieving a sale in a 4-6 week period, part exchange considered subject to CALA’s purchasing criteria, terms and conditions. Visit cala.co.uk/terms for full terms and conditions and purchasing criteria. Up to 100% part exchange and other incentives available on selected plots, subject to terms and conditions and not in conjunction with each other or any other offer.
For the latest on the property market
sussex
@What_House
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High and mighty Help to Buy proving popular at this elevated new homes scheme in Hastings
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i llwood Designer Homes is reporting great success already at its Woodlands View development, currently taking shape on The Ridge, on the northern outskirts of Hastings, with the government-backed Help to Buy scheme an especially popular option for homebuyers. The development marks a change of strategy for the company, which has made its name building premium properties, usually priced far above the £600,000 threshold of the Help to Buy scheme. Woodlands View had properties on offer from £129,950 (a small collection of apartments, all sold), with the current range of threeand four-bedroom homes for sale from £250,000 and £315,000 respectively.
Managing director John Elliott calls it a “high-quality, low-cost” range that will differentiate the development from local competition with a good standard specification and high level of attention to detail in the finishes. Around half the properties reserved or sold to date have been purchased with Help to Buy, on properties priced between £185,000 and £370,000, with a mix of first-time buyers and home movers stepping up the property ladder. Help to Buy only requires the buyer to provide a 5% deposit and supplements that with a 20% equity loan, interest-free for the first five years. In addition to the family homes on offer now, the mix will be completed on a later phase, when two- and five-
bedroom homes will be offered. Looking around the site, buyers will see an impressive mix of house types and façades, with new and reclaimed bricks, weatherboarding and hanging tiles on different properties to provide lovely street scenes that fit in well with local established properties and give each home an individuality from their neighbours.
Rural living
The homes back on to woodland and from the high position above the coastal town, some offer far-reaching views across the Sussex countryside. Millwood Designer Homes’ sales director, Phil Brown, says: “Woodlands View is an exciting new development of homes in a town that has undergone major regeneration in recent years. The development is attracting many savvy
investors, disenchanted ‘Generation Rent’ London workers who are looking for more value for money than can be found in other areas of the south-east, as well as plenty of local buyers.”
Find out more at www.millwooddesignerhomes.co.uk; 01424 390150
Greenacres, Pulbourough – £1.695m Hope Cottage, Hipley – £1.1m
Our favourite countryside properties in West Sussex
This month, we head to the country to view two attractive rural homes currently for sale in West Sussex with King and Chasemore
Character cottage, West Lavington – £525,000
A perfect downsize or weekend retreat, this beautifully presented semi-detached cottage is located in the highly sought after village of West Lavington. The property benefits from a modern kitchen with Aga, family bathroom, two reception rooms and two bedrooms. Outside is a brickbuilt outbuilding that could be used as a home office or additional accommodation, garage with driveway, garden room with kitchenette facilities and summerhouse
with patio to enjoy the large garden with its array of mature shrubs and plants. There is an additional seating area down by the stream. The nearest mainline stations are at Haslemere and Liphook both around seven miles away. Find out more by calling King & Chasemore in Midhurst on 01730 406538.
Situated in an elevated position with superb accommodation and enjoying miles of truly breathtaking panoramic views that sweeps for miles across the Pulborough Brooks and South Downs is this modern detached family home. The triple-aspect principle reception room is located on the eastern wing of the house and has a feature stone fireplace with a log burnerstyle fire, twin doors to the rear terrace and gardens. The dining room benefits from a large south-facing bay window and door directly to the kitchen/breakfast room with an extensive range of units with oak work surfaces and a central island, double butler-style sink, Rangemaster cooker and built-in appliances. The heating is provided by eco-friendly ground source heat pump
and there is an NHBC warranty from 2013. The gardens and grounds extend to approximately 7.5 acres and incorporate a detached double garage, garden store and workshop. Watersfield is a small village with two farm shops and around two miles from the larger Pulborough, with its mainline railway station with trains to London Victoria, London Bridge, Gatwick and Chichester. There is good access to the A29, A283 and A24 at Beare Green for London and the M25. There is a choice of schools within driving distance including St James Primary and independent Seaford College. Find out more by calling King & Chasemore in Horsham on 01403 264444.
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What House - Yeoldon.indd 1
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62 interiors
For the latest on the property market
The Espace 900 is a walk-in wine cellar that can hold a staggering 990 bottles of wine and is suitable for use in a weatherproof environment such as a garage or outhouse; £7,899, www.winess.co.uk
Shiver me timbers Jim lad, this pirate-style bottle opener may not have a leg to stand on but it can pull corks, cut foil and open beer bottles; £8.95, www.thekitchengiftco.com
@What_House
Relax in the lap of luxury and watch your favourite TV programmes while lying in the bath; Ultrathin LG panel TV, £995, www.frontlinebathrooms.co.uk
Inspect a gadget
Richenda Oldham goes in search of the coolest gadgets for the home
Have a barbie on the go with this portable BBQ grill briefcase; £97.50, www.kikkerlandeu.com
A rose for my rose
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Unleash your artistic ambitions on this cool iPad doodle case. It features a graph paper design on one side and file paper on the other and comes with its own pens; £12, www.eatsleepdoodle.com
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Does pink have to be fluffy and cute? Richenda Oldham goes in search of rose-tinted accessories that prove this hue can be cutting edge and stylish 1
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1 Moroccan lidded basket, £25.95, www.decoratorsnotebook.co.uk 2 Rose dotty oilcloth, £7, www.tickettyboo.co.uk 3 Samode Fuchsia rug, from £40 (61 x 91cm), www.dashandalberteurope.com 4 Theo sofa in Carnation Pink, £990, www.livingitup.co.uk 5 Newgate Pantry clock in hot pink, £35, www.newgateclocks.com
interiors
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Feel the light
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Good lighting can transform a room, giving it energy, ambience and function. Richenda Oldham explains how to the right lighting levels for your home
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n e of the most important – yet all too frequently neglected – aspects of interior design is lighting. Wallpaper, paint curtain fabric and furniture all bask in the spotlight, but what about the spotlight itself? Lighting is much more than just choosing an overhead light and a few table lamps. Good lighting can improve the energy of a room, providing atmosphere and improving productivity. There are four different types of lighting:
AMBIENT LIGHTING This is the basis of most lighting schemes as it provides overall illumination for a room. It is a general
light, similar to daylight and is normally created by a single light (or it could be wall lights), that is switched on when you walk into a room.
features within a room. This could be a painting, an architectural feature such as a fireplace or panelling, or even plants.
suspended by either plastic coated electrical flex or textile cord. The term applies to anything from fabulous crystal chandeliers to Gothic lanterns.
TASK LIGHTING
DECORATIVE LIGHTING
Downlighters – these can be
This is also known as directional lighting, as it focuses on a particular area where you will be performing a task, eg reading, writing, sewing, food preparation. Task lighting has an important job, as working under bad lights will be detrimental to your health as well as potentially dangerous, such as cutting food or using a sewing machine. Poor lighting will also put strain on your eyes.
This is where the light fitting itself is the focal point. It could be a magnificent chandelier or an oversized pendant, or a table lamp. However, decorative lighting can also be used to provide an ambient light source or be a task light, such as a pendant light suspended over a dining table, where it would provide a focus of light on the task of eating.
ACCENT LIGHTING Accent lighting is used to highlight
WHICH FITTING? Pendant lights – this is a single
fitting, which hangs from the ceiling
recessed into a ceiling or mounted on the surface. They are either fixed or can swivel to produce directional light that is ideal for task-based lighting, such as in a kitchen or to accent a particular feature in a room.
Uplighters – these add soft mood
lighting to a room, creating ambience. Choose from wall-mounted or floorstanding varieties.
Wall lights – this category covers
any wall-mounted light and there are plenty of different types to choose
from, such as period candle-effect fittings with shades, or ceramic bowls that diffuse light upwards, or chrome spotlights, which can be used to focus light on specific areas of a room. 1 Leiston Pendant Light, £178.20, www.jim-lawrence.co.uk 2 Elara table lamp, £595, Besselink.com 3 Circus black and white stripe floor lamp, £499, www.frenchbedroomcompany.co.uk 4 Candy coloured Truman wall lights, £39 each, www.made.com 5 Stag 10 light pendant, £870, www.davidhuntlighting.co.uk 6. Bessy lamp, £55, www.loaf.com
64 interiors
For the latest on the property market
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Bohemian rhapsody An exotic fusion of colour and informal style epitomises the boho chic look. Richenda Oldham puts on her kaftan and goes in search of the essential ingredients for this creative cocktail
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n e of the most popular interior design style trends on Pinterest currently is the bohemian look or boho chic as it is also known. It’s an an eclectic, rather dashing and colourful style that epitomises an unconventional and creative lifestyle choice. It particularly applies to free spirits who lead artistic lives and who like to express their individuality through their surroundings. Bohemian is most definitely not a look for anyone who enjoys structure and order – it’s far too diverse for that. In fact the riot of colour, unconventional style mixes and laissez-faire attitude that accompanies boho would cause a neutral rule-lover to weep in frustration. The main glorious point of bohemian is that it actually invites you to break rules and be daring. It’s a hugely cathartic style that encourages experimentation. Why not ha ve pink, red and orange side by side? Tattered old textiles? Why bin them when you can hang them on a wall? Mix vintage with modern with reckless abandon. Take objects you cherish out of the cupboard and display them with panache. There are no do’s or don’ts here. Just express your personality as much as possible. But if you are not sure where to begin, here are some loose guidelines to give you a starting steer.
TEXTILES Everything is fair game here. Think layers and contrasting textures to create vibrant, visually exciting effects, using rugs, quilts, crochet coverings and tablecloths, as well as bedspreads, throws, curtains and cushions. Mix man-made materials with naturals such as silks, linens and wool. Use contrasting coloured trims such as fun pompoms on cushions. Got a small, but beautiful fabric remnant? Frame it!
FURNITURE Comfort comes first. This is not about iconic design pieces that no one wants to sit on. So use big comfortable armchairs and sofas, piled with cushions of course. Drape rich velvet throws edged with fringes or tassels, or fake fur coverings over the backs of chairs. Dining tables can be vintage or made from reclaimed wood. Weathered and paint peeling finishes will all add to the charm. Remember, nothing has to be perfect.
LIGHTING Soft, comforting lighting is a must as you are looking to create a relaxed, inviting atmosphere that will encourage you to chill out and unwind after a hard day’s work. Candles, lanterns, fairy lights, single pendants over a dining table and floor lamps can all be used to great effect.
ACCESSORIES Lots of pictures – whether they are prints or originals – should cover your walls. There is plenty of affordable art around these days. Family photographs can also be spread liberally throughout your home. Finally, do remember that plants play an important part in bohemian culture, so make sure there is plenty of living greenery around your home. Clockwise from top left: Pile sofas, chairs and even the floor with plenty of colourful textiles; Handmade Boho Indian Elephant cushion by Cucur, £20, en.dawanda. com; Hang these pretty silver fairy lights around windows, doorways and in corners to add a magical sparkle; Think Gadgets Grand Maroque silver fairy lights, £30, www.festiveglories.com; V intage quilts in all colours and patterns can be used as bedcovers, throws, tablecloths or wall hangings; unique vintage Kantha quilts, £85, www. rebeccasaixhome.com; This blue Indonesian inspired wallpaper has been used to create a striking feature wall, setting the tone for the bedding and accessories; wallpaper from the Indo Chic Collection, £29.95 per roll, www.galeriehome.co.uk; S et of four bohemian large bowls, 16cm x 8cm, £35, www.berryred. co.uk; Floor pillow and pouffes are quintessential boho chic ingredients; photo courtesy of Rock Ribbons and the Design Villa, www.rockribbonsecogifts.com
66 armchair gardener
Pocket patios E
Clever planting and design tactics can transform the smallest outdoor areas into perfectly formed alfresco havens. Richenda Oldham learns what makes a great little retreat
v en if you have the tiniest pocket handkerchief garden or backyard, limited size doesn’t mean limited creativity. A little bit of imagination can go a long way to making the most out of your outdoor space and one solution for transforming your patch into somewhere you want to spend time is to create a patio garden. To ensure a successful outcome, it’s worth spending some time planning the sort of patio you want, working out your budget and fine-tuning the details. Start by asking what it is you want to use your garden for? A modern patio can have many different uses. Will its primary purpose be dining, cooking or just a place to chill out and enjoy a cup of coffee? The modern patio has numerous materials at its disposal. It all depends on the size of the space and its
situation. But what’s your preference? Do you want something modern, making use of concrete and render, or do you prefer a softer, more natural approach using timber and stone? Start with the type of flooring you want. Natural stone looks beautiful and is extremely durable, as well as being almost maintenance free. Concrete slabs are inexpensive, low maintenance and come in a variety of designs from flagstone to brick. Wooden decking is inexpensive and simple to install, but is high maintenance, requiring cleaning and sealing every couple of years. Brick gives a lovely old world look and can be installed in a variety of patterns, such as herringbone. Pebbles and gravel are attractive and can be used in combination with any of the other flooring options. Wooden panelling is ideal for concealing neighbouring buildings, as will structures such as trellis, arches
Haddonstone’s AquaStack fountain is ideal for patios as it can be positioned without the need for excavation; £295, www.haddonstone.com
and pergolas, which can be planted with climbing plants to add extra cover. These can all be used to add extra height and variety, helping to break up boxy spaces and generally add interest. Planting really does help bring a patio alive and stops it feeling so sterile. Layers of plants will add depth to a garden and growing plants in attractive containers means you can reconfigure the shape of a basic patio by moving the pots around. Make sure you choose plants that grow well in containers. Garden furniture has become increasingly sophisticated to the extent that you can create an outdoor living cum dining room with rattan sofas and armchairs, cushions in exterior fabrics, dining table and fire pits. A parasol is a good idea if your patio offers little shade or you could go one step further and acquire a smart little gazebo or canvas sail.
Fire pits are a highly fashionable accessory for urban gardens and, if space is tight, this stylish but compact Fire Cube complete with ethanol burner, is just the ticket; £2,000, www.solusdecor.com
Find your new home at Whathouse.com
Attractive planters and ornaments that weather gracefully will add a finishing touch to a patio garden; set of three galvanised steel planters, £68, www.black-by-design.co.uk
Abundant planting, including hanging baskets has turned this tiny courtyard into a stylish urban garden
It’s worth investing in good quality garden furniture to transform a patio into an alfresco dining area; B&Q Summerfield dining set, www.diy.com
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