Whathouse? West Midlands Sept 2014

l r, or ca e o lo ap r d ur y p ou Yo ert to y op d pr ere liv de West Midlands Edition September 2014

haart Harborne is now open Pop in and see us at 107 High Street, Harborne, Birmingham B17 9NR, or call us for a free valuation of your home on 0121 426 1876 Sales 0121 426 1876 Lettings 0121 426 2931 Call us 8am - 10pm everyday Harborne 4pp Wrap.indd 1

02/09/2014 14:30

Harborne Sales 0121 426 1876 Harborne Lettings 0121 426 2931 8am - 10pm everyday

Why choose haart?

Expert people

haart employs over 500 friendly, approachable and fully-trained staff across our branch network. Our people are bright, energetic and helpful. They balance great sales techniques with good, honest advice and a commitment to looking after each and everyone one of our customers brilliantly.

Our values

haart is built on three guiding principles which every person within the company adheres to: • Treating each and everyone of our customers as an individual • Acting as an advisor • Always being responsive

Longer hours

Most estate agents are open 9-5. Not haart. We are here for you from 8am to 10pm everyday. That’s over 20 extra hours a week.

This means you’ll never miss on the increasing number of people searching for property in the evenings or over the weekend.

Additional services

There’s more to a move than just selling a home. At haart we don’t just take care of the selling bit, we can help with legal, financial and surveying services. Ask your local branch for more details.

Advanced estate agency marketing techniques haart leads the way in estate agency marketing, with newspaper and magazine advertising, email marketing, iPhone and iPad apps, dedicated PR and community-based activities.

Social media

We even have a full-time social media expert at haart spreading the word about your property on Facebook, Twitter and YouTube. Why not follow the conversation at #haart or @haart_UK

New homes

Plus haart has the most diverse range of brand new homes currently available in the marketplace.

Personal recommendation

We must be doing something right as four out of five of our customers would happily recommend us to family and friends.

Magic Moments

haart is a tireless supporter of the Magic Moments charity.

Founded in the late 1990s by Spicerhaart, parent company of haart, Magic Moments supports children with life-limiting illness under the care of hospices. To date, it has raised in excess of £1,000,000. To find out more about Magic Moments visit www.magicmomentscharity.co.uk

We are currently offering FREE professional photography and FREE floorplans for every property listed for sale with us.

If you are thinking of selling or letting your property call us for a free valuation or visit haart.co.uk Sales 0121 426 1876 Lettings 0121 426 2931 8am to 10pm everyday

l r, or ca e o lo ap r d ur y p ou Yo ert to y op d pr ere liv de West Midlands Edition September 2014

AUCTIONS P4 AGENT INSIGHT P6 MORTGAGES P11 INTERIORS P13 OVERSEAS P22

Retirement properties Downsizing, P3, and homes to suit retirees, P8-9 With prices from £79,950 at Ettingshall Place and £95,950 at Akron Gate, there’s never been a better time to buy a new home in Wolverhampton.

Enjoy a nEw homE this Christmas

For more information call Ettingshall Place on 08444 901872† or Akron Gate on 08432 082802† Alternatively, visit us at persimmonhomes.com

†Calls will be charged at five pence per minute from a BT landline and may cost considerably more from mobile and other phones. Contact your service provider for more details. Details correct at time of going to press.

West Midlands, Staffordshire and Shropshire – Find your new home at Whathouse.com

downsizing 3

Find your new home at Whathouse.com

Are you ready to downsize? Welcome! nce the domain of empty-nesters approaching O retirement age, downsizing is now on the minds of a range of UK homeowners, with the average age of a downsizer just 40, and

WHY DO PEOPLE DOWNSIZE? The average homeowner releases £97,722 by downsizing, and doing so can provide you with significant savings towards your retirement. In total, downsizers release around £7bn of equity in their properties each year.

With property prices on the increase, many parents are downsizing to provide their children with the opportunity to get on the housing ladder. More than three million adults aged 20-34 currently live with their parents, and with the average age of a first-time buyer now as high as 36, downsizing to fund a deposit is likely to increase in popularity.

one in four aged between 26 and 35. The financial benefits offeredby downsizing can be attractive, with over 55,000 households a year currently downsizing and 2.3m households

Younger downsizers are attracted by the opportunity to cut mortgage repayments, gas and electricity bills and council tax, as well as the chance to live a more minimalist lifestyle. According to research by Lloyds, 43% of downsizers move to a smaller property to cut their bills.

A more traditional form of downsizing comes from older people who perhaps feel their home has become too big to manage and want to move somewhere that offers care and support as their needs change.

THINGS TO CONSIDER The process of downsizing could cost you as much as £10,000 by the

DECLUTTERING Stephen Burke, director of downsizing direct.com “One of the main barriers to downsizing that older homeowners frequently tell us about is having too much ‘stuff’.

They say they need help clearing out their home before they can even think about moving. There are a number of agencies and charities that can help with decluttering. But there’s a lot that homeowners can do themselves.

“Making a pledge to yourself to declutter and setting aside time has to be the key starting point. Have a plan and allow a few months before

aged over 55 considering doing so.

Here we take a look at the main issues surrounding this hot topic and speak to people who have been through the process.

time estate agent fees have been factored in, eating in to valuable equity. This is a serious drawback to downsizers hoping to use their lump sum to fund their retirement.

Those who tend to make the most profit from downsizing are homeowners in expensive areas such as London or the South East, who are selling up to relocate to a more affordable region.

In a market where house prices are on the up, downsizing sees homeowners trade future capital growth in their current property for an immediate lump sum.

Moving in to a smaller home can be an emotional wrench, and involves parting with

possessions that may not fit in a smaller home. A change of lifestyle may also be required when moving to a property with greater space restrictions.

EQUITY RELEASE Equity release is a popular alternative to downsizing, but it’s not for everyone and needs to be carefully researched. Equity release allows homeowners to unlock the capital value of their homes in the form of a loan, while continuing to live in the property for the rest of their lives. On death, the proceeds of the loan interest are repaid. The average customer releases £57,800.

MARKET COMMENTARY you move; don’t leave it all to the last minute. Begin with one room.

Some people suggest creating four boxes/piles in the room: throw away; give away; keep; relocate.

Consider each and every item in that room and which box to put it in.

“It shouldn’t just be a chore. Decluttering can be very liberating and a new start, just like downsizing. It will empty your home and your mind and make it a lot easier to clean as well.

A decluttered home will also be much easier to sell because it looks fresh and full of space. Whatever you do, don’t leave decluttering until after you move home. Why pay someone to move ‘stuff’ you don’t need?”

case studIES BUYING Two couples have recently downsized to three-bedroom properties at Graylingwell Park

by Linden Homes in Chichester, Essex.

Richard and Susan Shord “Although we were downsizing from a larger property with very large gardens, we still wanted a three-bedroom house as we often have friends and families to stay. We also wanted a good-sized garden, but something more manageable than our previous plot. We have already attended a garden party and a number of barbecues. It’s a very good and relaxed way to meet our new neighbours.”

Peter Ford, chairman of Rangeford Holdings, on the current market conditions for those looking to downsize or move in to retirement property: “People are now more confident of selling their current property and being able to downsize. This year, approximately eight million baby boomers have reached 65 years of age and many of these, who are frequently empty nesters, are likely to be seeking to transfer their wealth.

“The modern downsizer is looking to maintain the living and

Roy and Frankie Todd “A great benefit of buying a new home is the low maintenance. Everything is finished to a very high standard and you can move straight in without having to do any work. You really notice people putting a lot of effort in to get to know their neighbours here. We can’t wait to get involved in all the events.”

RENTING Pamela Fixter sold her flat in Thirsk, North Yorkshire, after 36 years and decided to rent in retirement.

“I was at a stage in my life when I wanted to sell my property and downsize so that I could release some capital to fund my retirement. Initially,

social spaces they have enjoyed all their life while reducing the number of bedrooms, gardens etc. They are in a stronger position because they can sell the current property but weaker as there is strong demand and short supply of great new homes. The market needs to develop and the client group needs more aspirational products that encourage them to right-size earlier.

“The current retirement property on sale tends to focus on downsizing, offering smaller properties where the release of cash is paramount. There is a real shortage of properties that older people want to live in rather than have to live in through economic necessity.”

I was thinking of buying a retirement property, but when I looked at the prices I realised that renting would be more affordable. Girlings Retirement Rentals offered me an apartment to rent for life on an assured tenancy and this option immediately appealed as it gave me the same level of security as ownership.”

“Since moving here I am financially better off. I pay a monthly rent, which includes the development service charge and general maintenance costs, so there are no unexpected bills. As a tenant, I don’t need to worry about property maintenance and spending my spare time fixing anything that goes wrong. This means I can now relax in the comfort of my new home and enjoy the additional social benefits of living in a retirement community.”

I

’ve never really “got” Twitter but under advice from a number of friends and colleagues I recently reactivated my account (keithosborne69, if you’d care to follow me) and am starting to get to grips with it all.

I’m not a Luddite but sometimes it takes me a while to catch on to some of the latest IT trends. Social media has changed the life of many of us to one extent or another, for good or bad, but I still have the underlying feeling that it’s led to us all shouting at each other across the ether rather than engaging properly on a more personal level.

For this reason alone, I think that this month’s inaugural WhatHouse?

Show in Brighton is worth the trip for serious house-hunters as it provides a rare opportunity to meet a number of companies face-to-face under one roof. It’s an occasion that the internet simply doesn’t afford for one of life’s most significant purchases.

Uncertainties and queries can be sorted out in moments in a conversation, in a manner that electronic media can’t replicate and, more importantly, you can really get a sense of someone’s credibility and trustworthiness in a one-to-one situation that you simply can’t online.

In which case, you may want to defer your decision to follow me on Twitter until after you’ve met me at the exhibition!

In the property market at large, there appears to be a consensus of opinion that the market is slowing down a little in London and the South East and continuing a slow but steady rise elsewhere in the country. Altogether I think this is a good thing. The capital and Home Counties passed their 2007 peak some while ago; elsewhere, property values are still catching up to precrash levels.

The common factor everywhere is still the dearth of properties on the market: not enough existing homes being put up for sale and insufficient new properties being built. Uncertainties over interest rates are being blamed for the current inactivity of would-be vendors, unsure as to whether the grass would be greener in a new home with a new, but potentially more expensive loan, or whether they should stick with the home and mortgage they have.

There are significant numbers of downsizers in the current market, however, who own their homes outright and are releasing equity by moving somewhere smaller. Rising interest rates will only be good for the lump sums they end up with in their savings accounts.

Enjoy this issue of WhatHouse? and happy house-hunting!

Teuco hydrosonic bath, Bagno splashproof TV and Duravit fittings John Lewis Savina from the Continental Collection Keith Osborne, editor.

Temperature-controlled wine storage ko@whathouse.com in white American oak

Keith

4 auctions

Find your new home at Whathouse.com

Property auctions: a guide to reserve prices There are a number of key techniques that professional valuers use to judge the value of a property and set a guide price, says Marc Da Silva

W

h en a one-bedroom terraced house in the former mining town of Brynmawr, near Ebbw Vale, in Wales, was listed for sale by a local auctioneer at a guide price of just £8,000 earlier this year, it was inevitable that the property would attract a bidding frenzy. But not everyone bidding would have predicted that it would sell for almost double its guide price.

The final sale price of £15,500 may have surprised some people, but it would not have come as a surprise to the auctioneer.

The guide price (an indication of the price that the property is expected to sell for) is often set at a low level in an effort to conjure up

interest among buyers, driving the sale price significantly higher in the process.

To avoid paying over the odds for a property at auction, it is important not to get carried away with the euphoria in the auction room. Guide prices, after all, are for information only and should not be relied on as an indication of reserve price (the lowest price the vendor will accept), or representing professional valuations for any purpose.

Purchasers are deemed to have obtained independent, professional advice of others and relied on their own knowledge, which includes possessing an understanding of a property’s true value, and for that it is necessary to properly understand how a property is valued.

HOW IS PROPERTY VALUED? An insight into a valuer’s checklist will enable you to determine whether a guide price is realistic, not to mention set a price 0t you should bid up to.

Here are some of the key points that you need to consider from the valuer’s checklist: • Obtain as much preliminary information about the property as possible, in particular: tenure of site; any tenancies; size and extent of accommodation and site; any peculiarities of the district or situation; recent sales, purchases or lettings of the building.

• Thoroughly inspect the property inside and out.

• Ascertain outstanding defects and deficiencies that need remedying to bring the property up to normal standards.

• Make a provisional estimate of the costs of curing those defects and deficiencies.

• Judge the effect of those costs on the mind of a hypothetical buyer.

• Obtain as many recent transactions concerning comparable properties as possible.

Four lucky readers will each win £50 worth of Marks & Spencer vouchers.

Follow us at @What_House and tweet your response: Which of these senior TV characters would you prefer as your next door neighbour? · Victor Meldrew · Dot Cotton

· Dad’s Army’s Corporal Jones · Uncle Albert Trotter

• Compare and adjust the information from the ‘comparables’ so that it relates as closely as possible to the property being valued.

Keith Osborne started writing about property 12 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 What House? Awards judging panel for a number of years.

Stephen Maunder is assistant editor of Whathouse.com, having previously spent 18 months there as a freelance special correspondent. He has a background in academic research and has worked at Sky News as a picture researcher. He has also written for BBC News, Huffington Post UK and the Shropshire Star newspaper.

Closing date Tuesday 30th September.

What House?

JUDGING THE MARKET

• Adjust those transactions for any rise or fall in the market over the period in which they have taken place.

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 What House?

Awards, edits leading housebuilding magazine Show House and is property correspondent of The Field magazine.

Competition

• For vacant properties use as far as possible transactions of vacant ‘comparables’.

• For investment properties, consider rental levels as well as yields of ‘comparables’.

• Allow for differing states of repair with particular reference to step 3 above.

• Come to a conclusion in the light of your analysis which you hope will equal that of a would-be buyer.

@What_House

Additionally, you should get a good ‘feel’ of the market, enabling you to judge the ‘right’ price by comparing the auction lot with prices that have been paid for comparable properties in the past. This is fundamental to seeking out your bargain property.

Managing director Daniel Hill Editorial director Rupert Bates Editor Keith Osborne ko@whathouse.com Assistant editor Stephen Maunder sm@whathouse.com Chief sub-editor Suzanne Frost Designer Sarah Davies Contributors Marc Da Silva Nick Parkhouse Richenda Oldham Sales director (new homes) Mark Edmondson me@whathouse.com Sales director (estate agencies) Andy Grimley ag@whathouse.com Sales manager (West Midlands) Rebecca Vincze rv@whathouse.com Sales manager Jay Ali ja@whathouse.com Account manager Ann Chaloner ac@whathouse.com Sales executive Tori Collett tc@whathouse.com Sales executive Wayne Smith ws@whathouse.com Cover picture – Stretton Green, Stretton, Cheshire courtesy of Redrow Homes

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 © 2014 Globespan Media Limited

No part of this publication may be reproduced without prior written permission from the publishers.

The greatest care has been taken to ensure accuracy but the publishers cannot accept responsibility for errors and omissions.

NHBC – the mark of a quality home

...Buying a new home is a big decision, so you’ll want to know that your property is of good quality and your investment well protected.

Only builders approved and registered by NHBC can offer Buildmark, and they must build to the detailed technical standards we have been developing and updating for more than 75 years.

It will give you peace of mind to know that all new homes with NHBC’s Buildmark have been independently inspected at key stages during construction, and come with 10 years’ warranty and insurance.

This gives you the reassurance that, on the rare occasion when something does go wrong, we’re here to help you.

So, before you buy a new home, make sure it has Buildmark.

Talk to us...

Call us now on 0844 633 1000 and ask for ‘Customer Services’.

Or visit www.nhbc.co.uk/myhome H391 08/14

H391 - What House? advert_Sept_FINAL.indd 1

8/14/14 9:38 AM

6 interview

Find your new home at Whathouse.com

Agent Insight We speak to Lee Cooke, local director of Connells in Wolverhampton Could you tell us a bit about your company?

We are part of the Connells Group, which boasts around 500 estate agency branches in the UK. We have come a long way from when our branch opened 18 years ago, and we now have the biggest residential sales team in Wolverhampton. For the last five years we have been the top-selling Connells branch in the UK, and have spent the last seven years as the top estate agency in Wolverhampton.

In addition to residential sales, we also deal with lettings and property management.

How much do homes cost to buy and rent in Wolverhampton?

What are market conditions currently like in Wolverhampton?

When the market crashed, our business here in Wolverhampton actually increased, and we needed to work harder and smarter. Now the market is stable we are doing very well, making around 50 sales per month. We haven’t seen prices increase dramatically here, but we are seeing lots of quality homes in the most sought after areas receiving multiple offers. Unfortunately, there still remains a shortage of homes in the best areas, and that is a challenge we’re facing.

Do first-time buyers make up a significant proportion of your sales?

In Wolverhampton, a one-bedroom property costs around £80,000 in an average area, up to around £120,000 in a highly sought-after area. Traditional semi-detached homes cost between £130,000 and £150,000 and fourbedroom detached homes vary from £180,000-£300,000 depending on the property and the local area. In terms of lettings, we would expect the price range for a standard three-bedroom semi-detached home to be around £500-£600 per calendar month.

We see a huge mix of purchasers, including plenty of first-time buyers, retirees and investors. The Help to Buy scheme led to a huge amount of new homes being purchased, but we’ve now reached a point where there is a real shortage of new build properties available. Interestingly, first-time buyers are generally purchasing traditional three-bedroom semi-detached homes at around the £125,000-£135,000 mark.

Do you see much activity from property investors?

Investors here tend to stay away from new homes and concentrate on buyto-let investments rather than investing to sell on. Our lettings and property management teams are among the very best in offering landlords all the cover they need. There was a time when landlords simply wanted the

cheapest possible service for their buyto-let investment, but increasingly they are seeing the importance of using a company that provides an excellent service, as opposed to a flyby-night estate agency who will do the bare minimum.

What do you expect to see happen in the local market over the next 12 months?

I expect to see sales continue at a high volume, but I don’t expect prices to increase in Wolverhampton. Vendor expectation has sometimes exceeded market conditions of late, so it is especially important for vendors to trust their estate agent to get the right price for their home.

You can find out more at www.connells.co.uk; 01902 710170

Making it easier for you to let properties.

Offering excellent Introductory rates to landlords Springfield are a family run lettings agency, providing a very hands on service being professional, personal and approachable. We are a small efficient outfit, giving you the client an immediate service.

Whether you have a property to let or wishing to become a tenant - you will not be just another client!!

We have substantial experience through the property sector and wide knowledge of the local area and its trends.

We offer many property related services but are very happy and flexible to offer any package that suits each and every Landlords requirements to enable you to let your property with confidence and ease.

To find out more call us on 0121 684 0067 or email info@springfieldlettings.co.uk

S

C ST

C ST

S

C ST

C ST

S

S

C ST

C ST S

S

S C ST

C ST

S

All of these properties are now sold subject to contract.

Can we help you to sell yours?

C ST

C ST

S

S

Instruct us and receive a free Enhanced Marketing Package plus a discount of ÂŁ250 from our fee with a copy of this advert.

C ST

S

C ST

S

Call us on 0121 241 1100 to find out how we can get you moving.

8 six appeal

Find your new home at Whathouse.com

Steeple Lodge, Boldmere, Sutton Coldfield, West Midlands From £171,950

Steeple Lodge is a collection of 49 one- and two-bedroom contemporary apartments set within the grounds of the former vicarage behind St Michael’s Church on Church Road in Boldmere.

Boldmere is located within the town of Sutton Coldfield, which is known as one of the most prestigious locations in the West Midlands. The town is popular for its 2,400 acres of natural parkland, providing owners with the opportunity to enjoy activities such as walking, nature watching and picnics.

The development is situated at the top of a sweeping driveway within large landscaped gardens, which are protected by surrounding trees for optimum privacy. The gardens are available for owners to enjoy and are fully equipped with garden furniture.

The area of Boldmere offers a variety of amenities within just a short distance from Steeple Lodge, including the main shopping area at the north of Boldmere Road and a collection of smaller shops at the southern

end, known locally as Little Boldmere.

The design of Steeple Lodge takes reference from the Victorian and 20thcentury character of other buildings in the area, combining traditional aesthetics with contemporary and modernised interiors.

There are a variety of events that take place at Steeple Lodge, which provide residents with the opportunity to meet and make new friends at the development. These range from coffee morning and cream teas to computer courses and quiz evenings.

From: Churchill Retirement Living Contact: 121 373 0593

Six appeal Our favourite properties on the market right now to appeal to retirees 16 The Beaumont, Macclesfield, Cheshire • £250,000

South East Farm, Rennington, Northumbria • From £425,000

Located on the outskirts of the ancient and beautiful Prestbury Village the Prestbury Beaumont Care Community sits in four acres of tranquil woodland and gardens and has always been regarded as ‘the’ home of choice in the area for local residents.

As well as providing 24-hour nursing care, Prestbury Beaumont also has a number of self-contained assisted living bungalows and apartments providing the option for clients to live independently while supported by the onsite team with an appropriate package of care.

All apartments have recently been fully refurbished to a very high standard, including brand new kitchens complete with modern appliances, and a walk-in wet-room/bathroom.

All apartments have access to a 24-hour emergency call system and have a door security

Set some four miles east of Alnwick, easily accessed along the beautiful coastal and castle highway to Bamburgh, is the picturepostcard Northumbrian village of Rennington.

Following two years of painstaking restoration works, the transformation of South East Farm from a sorry range of historic farm-use buildings to a five-home luxury residential development has now completed by award-winning family-run developer Stone Homes.

South East Farm is an exclusive development of five stone properties comprising three luxury barn conversions and two new-build cottages.

The farm buildings date from the 1700s and the original natural sandstone of their exteriors has been carefully restored to return the buildings to

system to give that added peace of mind.

There is also ample car parking and visitors are free to come and go as they please.

Within the main building the nursing home provides appropriate and discreet personcentred nursing care. The day-to-day activities programme is arranged to suit residents’ needs and preferences. That can be as simple as a game of bridge or a chat over a glass of wine in the lounge overlooking the gardens.

Delicious and nutritionally balanced meals can be served in either the terrace dining room or the garden restaurant. Prestbury Beaumont is also able to offer an on-site bespoke physiotherapy service.

From: Bridgfords Contact: 01625 829372

former prominence, once again enhancing the village green setting.

All properties feature typical Stone Homes touches with oversized oak staircases, bespoke kitchens, luxurious specification bathroom suites, traditional timber sash windows, feature chimneys, Farrow & Ball paints and luxurious floor coverings. Externally, all homes feature a timber style single garage with natural stone paving and boundary walls topped with antique coping stones to the perimeter of each property.

Prompt action to secure one of these homes is urged, with only three properties remaining for sale.

From: Stone Homes Contact: 01665 600997

six appeal 9

Find your new home at Whathouse.com

Eastbank Court, Worcester, Worcestershire From £192,000

While most retirement developments will have a lounge and perhaps an on-site restaurant, Eastbank Court, on Eastbank Drive, Worcester, features much more.

Its hotel-style facilities and many opportunities to relax in good company may make casual visitors to the development think that retirement is one long holiday.

Those who purchase one of the remaining apartments at Eastbank Court will still be able to enjoy the privacy that comes with owning their home, as well as enjoying the array of high-quality amenities on offer.

The communal facilities include a restaurant, a licensed bar, a salon and an activities room, al package that has drawn comparisons to a five-star hotel.

Homeowners at the age-

exclusive development could be pampered in the hair salon and then head along to the on-site restaurant for lunch, before retiring to the piano room with its licensed bar for a social drink with friends and neighbours. Others may choose to spend some quiet time reading in the library or by pitting their wits against fellow homeowners with a game of Scrabble. There’s also activities room, which could host everything from Pilates to painting.

Eastbank Court also benefits from beautifully tended gardens where homeowners can, if they wish, lend a hand with some finishing touche. There’s also a guest suite for when family and friends come to stay.

From: Aspen Retirement Contact: 01905 455182

Fleur de Lis, Abingdon, Oxfordshire £344,400 Spinnakers, Exmouth Quay, Devon £535,000 Apartment 2 is the two-bedroom show apartment, available fully furnished and located on the upper ground floor of this vibrant development of 14 waterfront apartments.

The apartment has the appeal of a balcony which is accessed from the main living area and also from the second bedroom and which offers superb views over the open expanse of the Exe estuary. The apartment offers the latest in kitchen and bathroom design, creating a light and airy property that also benefits from a garage and lift access.

Exmouth is at the western edge of the Jurassic Coast, a World Heritage Site and designated as an Area of Outstanding Natural Beauty.

From water sports on the doorstep to horse-riding, golf and miles of delightful cycle routes, to a more laid back approach of bird watching, boat trips or retail therapy, you are perfectly placed to enjoy all the diversity of pastimes that this area has to offer.

Louisa Hooper, head of Exeter land and new homes at JacksonStops & Staff, says: “Nearly all of the apartments sold at Spinnakers

have been to those who are over 55, reflecting an increasing trend for retirees seeking contemporary properties in areas that allow them to enjoy a more active retirement.

Being in a secure environment, the apartments are great lock up and leave properties, giving buyers more flexibility to travel and enjoy life without worrying about continual property maintenance.”

From: Jackson-Stops & Staff Contact: 01392 214222

This luxurious two-bedroom apartment forms part of Renaissance Retirement’s development Fleur de Lis, the first purpose-built development of independent living retirement properties in Abingdon for over two decades.

Owners at Fleur de Lis benefit from added owner-exclusive facilities, including a well-appointed and furnished communal lounge, landscaped gardens and a guest suite.

To assist new owners, Renaissance offers its own SmoothMove service at no extra cost. This is a bespoke service designed to ease the pressures and hassle of moving home. New owners opting to use the fully inclusive service benefit from the expertise of their own SmoothMove consultant, who can offer advice and assistance with downsizing, the

planning and setting up of their new home and take care of the often time consuming administration of arranging new utility services.

SmoothMove also includes a complimentary removal service to transport your existing possessions to your new home.

The apartments are ideally suited to downsizers, and for those looking to maintain a quality standard of independent living throughout their later years.

Owners have access to Abingdon’s cultural attractions, including the Abbey, the tranquil river side and the Abbey Meadow, which boasts a heated outdoor swimming pool and tennis courts.

From: Renaissance Group Contact: 0800 625 0026

10 armchair gardener

Find your new home at Whathouse.com

Splish, splash

5

1

Don’t let limited space stop you from taking the plunge and splashing out on a water feature, says our armchair gardener Richenda Oldham

2

6

1. Crystal-clear water, mosaic tiles and underwater lighting all add to the appeal of this modern bubbling fountain 2. This self-contained Cascading Pots outdoor water feature is frost resistant and ideal for restricted spaces, £49.99, www.charliesdirect.co.uk 3. Ponds with water-loving plants, such as lilies, look wonderful but are higher maintenance than self-contained water features 4. A cascade makes a striking focal point for your garden, Ammonite Stainless Steel Water Cascade, £309.95, www.primrose.co.uk 5. Simple, yet elegant, this mini-fountain produces the soothing sound of falling water, Haddonstone Crucible Fountain, £399, www.ukwaterfeatures.com 6. Use a wall-mounted fountain to add a dramatic cascade of water to a courtyard garden, Gecko Bowl Fountain, £255, www.haddonstone.com

4

3

Distinct Quality Outstanding Locations

Help to Buy

across the West Midlands...

Astwood Green

Kings Court - Coming Soon

Spire View

The OrieI - Coming Soon

Lime Grove - Coming Soon

Nine 4 & 5 bedroom homes in a beautiful village setting.

Evesham Road, Astwood Bank, B96 6BD

A gated development of just ten 2, 3 & 4 bedroom homes Heathfield Road, Kings Heath, B14 7BU

12 luxury homes in the beautiful Old Yardley Park conservation area.

Church Road, Yardley, B33 8PA

A stunning collection of fourteen 4 and 5 bedroom homes.

Whittington Road, Stourbridge, DY8 3BL

Twelve 4 and 5 bedroom homes set around a private driveway Weoley Park Road, Selly Oak, B29 6RB

B17 Harborne

Longmoor Grove

The Bloomery

Victoria Gardens

Superbly specified 4 bedroom townhouses within walking distance of the High Street.

Northfield Road, Harborne, B17 0SU

Just thirteen distinctive 4 and 5 bedroom homes set around a private driveway.

Beech Hill Road, Sutton Coldfield, B72 1BY

A prestigious development of just nine 2, 3 and 4 bedroom homes in a sought after location.

Giggetty Lane, Wombourne, WV5 0AX

A delightful development in a secluded location.

3 & 4 bedroom homes available.

Victoria Avenue, Bloxwich, WS3 3HT

Help to Buy Available*

For information on all our developments call 01384 446 201 or visit our website www.kendrickhomes.co.uk *Help to Buy available on homes up to £600,00. Terms and conditions apply. Photographs show a typical Kendrick home interior.

Distinct Quality Since 1880

mortgages 11

Find your new home at Whathouse.com

More big names cut the cost of their mortgage deals Lenders are continuing to reduce the cost of some of their best deals, says Nick Parkhouse.

I

f you’re looking for a cheap mortgage then there remain plenty of excellent deals to choose from. Two of the UK’s largest lenders have recently LC10024 - Priory court advert 2.pdf 1 11/08/2014

cut their rates, meaning it’s now even cheaper to get a new mortgage if you have a small deposit.

One of the UK’s biggest high street names has cut its rates on a range 14:21:45

of home loans for borrowers with small deposits. Barclays has reduced the interest rate on its 90% loan-tovalue fixed-rate deals to 3.99% for its two-year deal and 4.79% for its fiveyear product.

If you have a deposit of 15%, Barclays now offers you a five-year fixed-rate mortgage at a rate of 3.99%.

The lender has also cut the rate on its large loan lifetime tracker from 4.76% to just 3.99%. Andy Gray, managing director of mortgages at Barclays, said the 3.99% rate, which is based on the bank rate plus 3.49%, offers “much better value” for borrowers over the long term than the typical standard variable rate of 4.4%.

Over recent months, tracker rates have become more and more competitive when compared to fixedrate alternatives. However, with the base rate set to increase in the next year experts are urging borrowers to think carefully about which type of deal to take.

Keith Osborne, editor of WhatHouse?, says: “Tracker deals look competitively priced at the moment and even if interest rates rise the chances are that they will creep up slowly. This means that you are likely to be able to take advantage of low rates for the foreseeable future. However, if you’re thinking of choosing a tracker rate it is important that you ‘stress test’ yourself against a sharp rise in interest rates. Ask your advisor to tell you what your mortgage repayments would be at a higher interest rate and make sure you can afford them before you commit to this sort of deal.”

Barclays are not the only big high street name to have reduced the cost of their mortgages in recent weeks.

The Financial Times reports that Virgin Money has also reduced the rates across a range of residential and buyto-let mortgages, following cuts by other lenders including the Yorkshire Building Society.

The lender has reduced the rates on

its two- and five-year fixed-rate buyto-let mortgages by 0.80 and 0.50 percentage points respectively, and its two-year buy-to-let tracker by 0.40 percentage points.

Virgin Money has also reduced the cost of its two-year residential mortgage trackers by 0.10 percentage points on its 70% loan-to-value deals.

It has also trimmed the rates on its range of “Freedom to Fix” trackers, which allow you to convert to a fixed rate during the life of the tracker without charge.

Exclusive Development of 9 Executive Homes

Prices from £349,995

Part Exchange Available

Help to Buy Scheme

C

M

Y

CM

MY

CY

CMY

K

Visit our marketing suite or call 0121 532 4263 Lioncourt Homes - Priory Court Salters Lane, West Bromwich, B71 4BQ Web: www.lioncourthomes.com Email: priorycourt@lioncourthomes.com

interiors 13

Find your new home at Whathouse.com

Trip the light fantastic The importance of having good lighting in the home should not be underestimated.

Richenda Oldham explains the principles of creating a well lit home

I

t’s a sad fact that lighting receives far less consideration than furniture, curtains and paint colours when it comes to decorating and furnishing a home.

Yet lighting is an important part of the equation, providing both ambience and illumination for practical, task-based functions. Clever lighting can make small spaces seem larger, while spacious rooms with high ceilings can appear cosier and more intimate through use of the right lighting.

Strained eyes and headaches can be the symptoms of poor lighting, so it makes sense to invest in good lighting that will make all your activities – whether social or task-based – in the kitchen, office or living room, much easier.

There are a number of different

types of lighting, which will produce different effects and moods in a room. It’s worth experimenting until you achieve the desired result – for example, during the day you may want your living room to have an energetic, vibrant quality, while at night it needs to be calm and atmospheric with pools of light.

NATURAL LIGHT Don’t forget to include natural light – sunlight, candlelight and firelight – in your lighting plan. Sunlight has different qualities, depending on the seasons. Bright summer light can be uncomfortable to sit in, while winter light is harsh and has a flattening effect.

You can make the most of natural light

by replacing heavy curtains with soft, gauzy fabrics such as voile and muslins, which diffuse the light. Mirrors are ideal for reflecting light and should be hung opposite windows.

AMBIENT LIGHTING Ambient lighting provides background lighting and can be created through central pendant lights, wall lights, downlighters, uplighters and standard lamps. A dimmer switch can also help create ambient light.

ACCENT LIGHTING Use accent lighting to complement your general lighting by highlighting specific aspects of a room such as architectural

features or objects. Accent lights, such as table lamps, halogen spotlights, downlighters, uplighters and tracks will add texture, depth and shade.

TASK LIGHTING Lighting that is used to perform daily activities, such as cooking, reading, writing, working at a computer, sewing, or shaving, by is known as task lighting. The light needs to have a shade and should be focused on the place where you are carrying out the job. A classic example of a task light is the universally popular Anglepoise lamp, which has a fully adjustable arm. Task lights should be carefully positioned, so the user isn’t sitting within a shadow.

Clockwise from top right: A pendant light fitting is easy to fit and will create an instant focal point in a room, Red Fly Pendant Light, £165, www. barkerandstonehouse.co.uk; The Cosmo light is an imaginative space-age variation of the traditional spot light and can be used for accent or ambient lighting, www.delightfull.eu; The Sensory Bubble Lamp uses changing coloured lighting, bubbles and balls to create a relaxing, almost hypnotic effect, £49.99, www.glow.co.uk; Use a standard lamp to provide background lighting, Oups floor lamp, £361, www.darwinshome.com; Don’t let the kids have all the fun with these funky Bungalow lights - they look incredible grouped as a little village in the centre of a dining table or on a patio, www.underthere.com.au

Beautiful homes in the Midlands area

Taylor Wimpey building fantastic homes near you.

5% deposit is all you need

Help to Buy

Whether you’re a first time buyer or looking to move on from your existing home, there is plenty of choice across the Midlands to find your dream home.

All of our developments offer the Help to Buy incentive, so all you need is a 5% deposit to make your move. Help to Buy enables qualifying first time buyers or second time buyers to receive up to a 20% loan, so you’ll only need a 75% mortgage – meaning that you can get more home for your money!*

WARWICKSHIRE Avon Meadows, Bidford-on-Avon, B50 4FN Call 01789 330 416 Beaumont Meadow, Warwick, CV34 6LG Call 01926 351 027 Butterfield Gardens, Rugby CV21 1RW Call 01788 220 141 WEST MIDLANDS Doulton Brook, Stourbridge DY8 4HE Call 01384 880 852 The Heights, Coventry CV3 1PA Call 02477 712 015 Himley View, Kingswinford DY6 7LS Call 01384 880 823 The Promenade, Coventry CV3 1PL Call 02476 011 795

Available from just

£89,995*

Spring Walk, Willenhall WV12 4HW Call 01902 544 473

WORCESTERSHIRE

Jubilee Gardens, Walsall, WS2 7BA Call 01922 663 253

Baldwin Gardens, Stourport-onSevern, DY13 8YB Call 01299 660 437

Swallows Nest, Coventry, CV5 9ED Call 02476 019 538

The Orchards, Evesham WR11 3EA Call 01386 570 762

Woodall Grange, Dudley, DY2 8RT Call 01384 880 865

Preedy Place, Badsey WR11 7TB Call 01386 579 611

Mulberry Gardens, Meriden, CV7 7LQ Call 01676 937 912

Stour Valley, Kidderminster DY11 7QL Call 01562 540 577

White Willow Park, Canley, Coventry, CV4 8FT Call 02476 019 455

Diglis Water, Worcester, WR5 3BS Call 01905 670 475

Lockside Walk, Brettell Lane, DY5 3LS Call 01384 888 155 Cherrywood Place, Beake Avenue, Coventry, CV6 2HL Call 02476 014 470

Jasmine Gardens, Wychbold, WR9 7PE Call 01527 910 670 The Hopyard at Martley, Off B4197, Martley, WR6 6QX Call 01886 357 726 SHROPSHIRE Badgers Rise, Telford, TF1 5BF Call 01952 456 211 Willmott Meadow, Wem, SY4 5QR Call 01939 550 007

Lavender Fields, Evesham, WR11 3DT Call 01386 570 784 Lucet Meadow, Redditch, B98 7QQ Call 01527 910 146

* Normal Taylor Wimpey terms and conditions apply. Images used for illustrative purposes only. Images include optional upgrades at an additional cost. Prices correct at time of going to press. Offer available on selected plots and developments only. Terms and conditions apply and full details will be provided on request. This offer is subject and only available on selected developments and properties in England only. It is not offered with any other promotion. † Options voucher to the value of £1000 available to spend on a selection of extra’s. Subject to build stage and selected plots only. Please liaise with the sales executive at point of reservation for full details.



£1000



choices voucher† Use this voucher towards flooring, beautiful fitted wardrobes or anything else from the fantastic range of Taylor Wimpey Choices! * This voucher is only for use at point of reservation before 31st August 2014, and can not be used in conjunction with any other offer unless by special arrangement. This voucher is non transferable. Subject to build stage and selected plots only. Please speak to a sales representative for further details.

35130_TWWM - What House ad (FP) Aug.indd 1

01/08/2014 15:43

interiors 15

Find your new home at Whathouse.com

School for Scandi Scandinavian style is the essence of the three Nordic countries of Sweden, Denmark and Norway fused into one cool minimalistic look, says Richenda Oldham “Beautiful things that make your life better” couldn’t be a better summary of the Scandinavian look that has been in existence since the early 20th century.

Inspired by the restrictions of the northern climate - limited light and limited materials - together with a love of nature, Scandinavian design has evolved into a pared back look that has turned functionalism into an art form.

Best of all, Scandinavian interiors are all about making flawless craftsmanship, using natural materials, available not just to the elite, but to the masses. The key words that epitomise the light, airy interiors and clean, elegant lines of Scandinavian design are simplicity, beauty and utility.

COLOURS While cool, calm shades of white, grey and blue are the classic colours associated with Scandinavia, vivid splashes of colour, such as bright reds and yellows are also an important part of the look. The work of the late 19thcentury Swedish artist and designer Carl Larsson, who is famous for his bold and colourful folk art, has been extremely influential in Scandinavia.

DESIGN Scandinavian designers have been at the forefront of modern design for many years, being renowned for their bold creativity and highquality, timeless masterpieces. Take Arne Jacobsen’s iconic 7 chair, Hans Wegner’s Wishbone chair, or Verner Panton’s Panthella Lamp.

The principles of good quality, massproduced design is particularly evident in the furniture and accessories sold by the Swedish company Ikea, which is known for its affordable, modern architectural designs with an eco-friendly bias.

WINDOWS In the northern countries it is important to let in as much light as possible, so window dressings are kept to a bare minimum. Opt for soft sheers such as voiles or linens and use them in combination with shutters in natural wood or painted white wood.

The important thing to remember is that a Scandinavian room should work with the light and not against it.

FLOORS Fitted carpets have never been popular in Scandinavia. For an authentic look,

select natural wooden floors with wide planks, preferably in light woods or bleached to show the grain.

FURNITURE Scandinavian furniture has evolved over the years and features a mix of traditional period Gustavian pieces as well as iconic modern design classics that are renowned around the globe.

So whether you are a looking to create a contemporary or classic interior, there is something to suit most homes.

HEATING A simple column stove in the corner of a room is preferable to a grand fireplace - Norway’s Jotul and the Danish Morso are two well-known brands of stoves here in the UK.

ACCESSORIES The main rule of a Scandinavian room is no clutter, so keep accessories to a bare minimum. Remember form and functionality and you won’t go wrong. Choose colourful patterned, folksy accessories that add warmth and interest and add small touches of accent colour through cushions, lamps and rugs.

Clockwise from top right: Antler-themed accessories – preferably not the real thing – are superb Nordic finishing touches, Blue Stag Head, £50, www.arthouse.com; Traditional folk-inspired Swedish designs in bright reds will add vibrancy to cool neutral interiors, Jangneus dishcloth, £2.95, tea towel, £12, www.jangneus.co.uk; Natural materials are one of the chief inspirations of Scandinavian design, which combines functionality and beauty, armchairs covered in Nordic Stripe Reindeer Cornflower Nordic-54-16, £55 per metre, www.vanessaarbuthnott.co.uk; The clean lines and retro styling of the Lulu chaise longue give it a distinctly Scandinavian feel, £1,500, www.couchdesign.co.uk; Natural wood furniture and floorboards, together with crisp white sheets and neutral paint shades create the pared down Scandinavian look in this bedroom, www.fishpools.co.uk; The Swedish art deco movement is known for its supremely elegant designs, which have inspired the Sandberg Studio’s wallpapers, Kungsholm 203-27 wallpaper, £84 per roll, www.sandbergab.se/en

16 help to buy

Find your new home at Whathouse.com

Couple swap renting for their ideal home with Help to Buy

A

s for most young couples, the decision to purchase their first home was a big one for newlywed first-time buyers Ben and Leanne Woodall.

With assistance from the government-backed Help to Buy scheme, the Woodalls are now happily settled in a brand new home from Taylor Wimpey at a development that shares their name – Woodall Grange in Dudley. They had been renting a property nearby but were keen to take their first step on to the property ladder.

The couple’s two-bedroom ‘Chester’ apartment has a dual-aspect open-plan kitchen/dining/living room, an en suite master bedroom, a further bedroom and a main bathroom, and there’s allocated parking outside.

Under Help to Buy, eligible purchasers can secure their ideal apartment at Woodall Grange with a 20% equity loan from the government.

This means they only require a 5% deposit and a 75% loan-to-value mortgage – which could make their monthly mortgage repayments even

cheaper than renting.

Because of the low deposits required under Help to Buy, the scheme also provides a perfect opportunity for parents to help their grown-up children leave the family home and set up on their own, gifting them the down payment or loaning it through the ever-

popular Bank of Mum and Dad! The government-funded Help to Buy equity loan wasn’t the only assistance that the Woodalls received – they were also very impressed by the way the Taylor Wimpey representative at the site was willing to ease them through the buying process.

Insurance broker Ben says: “Help to Buy really helped us, and on our first visit to Woodall Grange, we were more or less sold on the property. We didn’t know what to expect as we were firsttime buyers, but it felt like Georgie in the sales centre was there to hold our hand throughout the whole thing. We hadn’t ever bought a property before, and Georgie was absolutely fantastic.

She knew the site and the homes really well, and everything was done at our own pace.”

The couple are still thrilled about their choice of property. Ben says: “Because it’s just the two of us, the apartment is a fantastic size for us.

We love the en suite bathroom to the master bedroom and the layout is just what we want. I know the area and the location is ideal for us. All the boxes

were ticked and it’s a great investment for the future.”

The current range of two-bedroom apartments on sale at Woodall Grange starts at £89,995, with many plots enjoying fantastic views. All are ready to move into right now with carpeting throughout and fully integrated kitchens.

Woodall Grange is located off

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.co.uk/free-valuation or call us now on 01245 835 053.

WhatHouse? works with a team of reputable agents that will carry out the free valuation

£?

Constitution Hill, just a stroll from the extensive selection of shops, restaurants and entertainment venues in Dudley town centre and three miles from Merry Hill Shopping Centre.

Find out more about Woodall Grange at the sales centre, located off Martin Hill Street, Dudley, which is open daily from 11.00am to 5.00pm; 01384 880861.

ShowHome HomeInterior Interior Show

WTTHHEE VVIIEEW WIICCKK WAARRW W MEE OM WHHO OW SSHHO ODDAAYY!!

TTO

Discover Luxurious Living at Bishops Manor!

Your dream home could be closer than you think…

Visit www.bloorhomes.com www.bloorhomes.com to to fifind nd out out more more Visit

Thanks to to our our Thanks Home Exchange Exchange** Home we can: can: Scheme we Scheme Complete your your chain chain •• Complete if required required if Help you you to to downsize downsize •• Help Give you you an an off offer er for for your your •• Give home within within 24 24 hours hours home

Make your your dream dream home home aa reality reality with with Bloor Bloor Homes Homes at at Bishops Bishops Manor Manor in in Sutton Sutton Coldfi Coldfield. eld.

Make Don’tmiss missout! out!The TheWarwick Warwickis isan anoutstanding outstandingfifive vebedroom bedroomthree threestorey storeydetached detachedhouse housewith withdouble doublegarage garagefeaturing: featuring: Don’t Spaciouslounge loungewith withbi-fold bi-folddoors doorsleading leadingto tothe therear reargarden garden •• Spacious • Superb open plan kitchen/dining area with bi-fold doors to • Superb open plan kitchen/dining area with bi-fold doors to therear reargarden garden the Separatestudy study& &utility utility •• Separate

Threefabulous fabulousdouble doublebedrooms bedroomson onfifirst rstflfloor, oor,all allwith withen-suites en-suites •• Three • Two further double bedrooms on second fl oor • Two further double bedrooms on second floor Galleriedlanding landingon onsecond secondflfloor oor •• Galleried • Double garage • Double garage

Availableat at£850,000* £850,000*..Get Getmoving movingwith withour ourHome HomeExchange* Exchange*Scheme Schemetoday! today!

Available Schemewill willleave leaveyou youfree freeto tochoose choosefrom fromaasuperb superbcollection collectionof ofluxurious luxurious OurHome HomeExchange Exchange**Scheme Our ** - £850,000** 4 & 5 bedroom homes.

Current availability includes prices from £555,000 4 & 5 bedroom homes. Current availability includes prices from £555,000 - £850,000 Infact, fact,you youmay maybe beable ableto tomove moveinto intoyour yournew newhome homewith withNO NOMONEY MONEYTO TOPAY PAY** In

BishopsManor Manor Bishops OffTudor TudorHill Hill Off SuttonColdfi Coldfield eldB73 B736BE 6BE Sutton

Tel: 0121 0121 354 354 9271 9271 Tel: MarketingSuite Suiteand andShow ShowHomes Homes Marketing Open 10:00am – 5:00pm Daily Open 10:00am – 5:00pm Daily

*HomeExchange Exchangeand andall allBloor BloorHomes’ Homes’incentives incentivesand andschemes schemesare aresubject subjectto toterms termsand andconditions conditionsand andare areavailable availableon onselected selecteddevelopments developmentsand andselected selectedplots plotsonly. only. *Home Pricesand andavailability availabilitycorrect correctatattime timeofofgoing goingto topress. press.Terms Termsand andconditions conditionsapply. apply.Image Imageisisfor forillustrative illustrativepurposes purposesonly onlyand anddoes doesnot notdepict depictany anyparticular particularplot. plot.

Prices

bishopsmanor@bloorhomes.com bishopsmanor@bloorhomes.com www.bloorhomes.com/bishops-manor www.bloorhomes.com/bishops-manor

BookaaViewing ViewingOnline Online Book

AmAzing Specification FAntAstic spAce!

our STyliSh neW hoMeS all offer a generouS SpecificaTion including: Contemporary kitchen with upstands integrated dishwasher & fridge/freezer

Stainless steel oven, hob & hood fitted wardrobes & en-suite to master bedroom

turfed garden & block paved driveway Washer/dryer, carpets & vinyl tp apartments

BalaaM Wood NOrthfield, BirmiNghAm

Golden Park WeSt BrOmWiCh

lyMeBrook NeWCAStle-UNder-lyme

1 & 2 bedroom apartments from £103,995 or just £83,196* through Help to Buy.

1 & 2 bedroom homes from just £91,996* through Help to Buy.

new phase just released!

2, 3 & 4 bedroom houses from £146,995 or just £117,596* through Help to Buy.

3 bedroom homes from just £131,996* through Help to Buy.

A great choice of 2, 3 & 4 bedroom homes now available from £123,000, or just £98,400* through Help to Buy.

SaleS office and ShoWhoMe open eVeryday, 10aM - 5pM

SaleS office open ThurSday To Monday, 10aM - 5pM

SaleS office and ShoWhoMe open ThurSday To Monday, 10aM - 5pM

BaLaaM WOOD

GOLDEN Park

LYMEBrOOk

raven hays road, Northfield, Birmingham B31 5JP

Claypit lane, West Bromwich Sat Nav B70 9UJ

Comet Avenue, Newcastle-under-lyme ST5 9FB

t: 0121 477 9164

t: 0845 652 2471

t: 01782 612 211

e: kph.balaamwoodsales@kier.co.uk www.balaamwood.co.uk

e: kph.goldenparksales@kier.co.uk www.goldenpark-newhomes.co.uk

e: kph.lymebrooksales@kier.co.uk www.lymebrook-newhomes.co.uk

sales hotline: 0800 285 1082

sales hotline: 0800 285 1082

sales hotline: 0800 285 1082

Coming Soon!

A fantastic choice of new homes coming soon to your area. Call NOW to register your interest on 0800 285 1082 or email: alison.hines@kier.co.uk The Birches, Wolverhampton | Woodlands, Bilston | Heath Meadows, Willenhall | Blakeley Heights, Oldbury

www.kierhomes.co.uk 5-9 Photo shows a typical street scene * terms and conditions apply, available on request.

your home, your location

Find your new home at Whathouse.com

help to buy / news in brief 19

New homes in Northfield an ideal choice for first-timers

A

r ange of thoughtfully designed and wellspecified homes on offer makes Kier Partnership Homes’ award-winning Balaam Wood development in Northfield an excellent option for first-time buyers in the Midlands.

A popular and affordable choice is one of the one- or two-bedroom apartments, which are priced from just £86,396 and £97,596 respectively, if the buyer purchases with the government-backed Help to Buy scheme. The scheme requires just a 5% deposit, which is a godsend for tenants who are struggling to save money for a down payment as well as pay their current monthly rent. Needing just a 75% loan-tovalue mortgage too, Help to Buy can also make buying a home cheaper than renting.

At Balaam Wood, each apartment is fitted with a highly specified kitchen with integrated dishwasher, fridge-freezer and washer/dryer, plus stainless steel oven, hob and hood. Bathrooms and en suites are

also finished to a modern design, with quality chrome fittings, and there are fitted wardrobes to the master bedroom.

Rachel Fay, Kier Partnership Homes’ sales and marketing director, says: “Our apartments even come with carpets included so firsttime buyers really do have a great opportunity to have a stylish new home of their own.”

A show apartment and three show houses at the development – the twobedroom ‘Wyken’, the three-bedroom ‘Aston’ and the four-bedroom ‘Morton’ – demonstrate the quality of build and interior fittings and finishes on offer at Balaam Wood.

The development is open every day, from 10.00am to 5.00pm, at Raven Hays Road, Birmingham B31 5JP.

Numerous plans lodged for new homes in Staffordshire

the county.

Plans have been submitted

by Royal Bank of Scotland to convert a former factory site in Rugeley, Staffordshire, into 120 new homes. The bank has owned the land since acquiring it from a housebuilder that went into administration.

Alan Dudson, councillor for

Brereton and Ravenhill, said: “The site has been empty for some time now and the factory has been knocked down. I have no problem with the application as long as the homes enhance the area.”

Meanwhile, plans for 14 properties in Norton Canes were approved by planning bosses in July, providing the

area with four two-bedroom, six threebedroom, and four four-bedroom new houses. Approval was also granted to build 39 new homes in Hill Ridware near Rugeley on the site of the former Royal Oak pub.

Work is also scheduled to soon start on 700 new homes, shops, and a primary school at a site on the edge of Cannock Chase.

provide a range of 66 two- to fivebedroom homes to the Coventry area.

Starting in September, the Weavers Gate project is expected to lead to a first phase of sales next spring and completion in mid-2016. It is hoped that the development will enhance the character and appearance of the recently designated Coventry Canal Corridor Conservation Area and

provide public open spaces including sports pitches and play areas.

Proximity to Longford Park is likely to appeal to families while investors will be attracted to the site’s convenience for nearby universities Andy Peters, managing director at Persimmon Homes South Midlands, said: “Our investment in Coventry forms an integral part of our

expansion programme to bring further new homes to the region to meet the growing demand.

“With our current dual-branded site at Bannerbrook Park, Webster’s Park, Little Heath and the Holbrook Way site set to get underway by the end of the year we will deliver well in excess of 1,000 new homes to meet the needs of the Coventry housing market.”

research by LSL Property Services, which owns national estate agent chains Your Move and Reeds Rains.

The average monthly rent rise of 2% in the 12 months to July, according to LSL, is slightly higher than the 1.9% rate of Consumer Price Index (CPI) inflation.

The LSL data shows that the average cost of renting a home rose

from £738 a month in July 2013 to £753 a month in July of this year - the highest level seen since last November.

The survey suggested that rents increased year-on-year across all parts of the country, with the exception of the North East of England, where there was a fall of 3.8%. The largest increase was witnessed in the South East of

England, up 3.8% year-on-year.

David Newnes of LSL said: “As the summer turns to early autumn, the rental market is approaching its busiest period - yet rent rises remain modest.”

LSL’s research also revealed that there was a marginal fall in the proportion of tenants in arrears on rent payments.

As a result of the rebalancing of demand and supply, house price growth appears to be moderating, with a net balance of 49% more respondents reporting an increase in prices in July (from 52% in June and 56% in May).

Loan-to-value (LTV) ratios on mortgages changed little during the month but the results, nevertheless, show that lenders are now a little more circumspect in providing finance to the more expensive parts of the market. The average LTV mortgage

for a first-time buyer in the capital remained below 78% for the second successive month, which compares with an average close to 81% during the early part of the year.

Simon Rubinsohn, RICS chief economist, said: “A range of policy initiatives adopted by the Bank of England in recent months alongside heightened expectations surrounding a turn in the interest rate cycle has clearly had an impact on sentiment in the market. The shift in the mood

music among potential buyers in the London market has been particularly pronounced.

“Elsewhere around the country, the market in general is showing a greater degree of resilience, but that largely reflects the fact that in some areas the recovery has only recently taken hold and affordability is rather less stretched. Significantly, members now expect price gains over the next year to be faster outside of the capital, than in it.”

T

here has been a recent surge in new homes planning applications throughout

Work to begin soon on new homes in Little Heath, Coventry

P

e rsimmon Homes is about to begin work on a new housing development in Little Heath, to

UK rents rise further, according to LSL

T

here has been a marginal 2% increase in the cost of renting a residential property in England and Wales in the past year, with increases recorded across most parts of the country, according to the latest

Demand for new homes falls for first time in 18 months

D

e mand for new homes fell slightly in July, marking the first monthly decline since January 2013, while the supply of new properties coming onto the market increased for the second consecutive month, according to data from the RICS Residential Market Survey.

Find out more at www.balaamwood.co.uk; 0121 477 9164

Clockwise from top left: The ‘Aston’ show home; The apartments at Balaam Wood; Show home lounge; Show home master bedroom

Approval granted on new homes scheme in Newport, Shropshire

R

e generation specialist St Modwen has been granted approval by Telford & Wrekin Council to develop a new housing scheme on land to the north of Audley Avenue in Newport, Shropshire.

The amended application for the development of 215 houses includes provision for some affordable housing, over six acres of public open space, allotments, enhancements to local ecology, improvements and amendments to local roads, including access to the development via a new junction on Audley Avenue.

The scheme will provide two- to four-bedroom houses in a range of styles including terraced, mews and detached properties, together with allocated car and cycle parking for every home. Work is set to begin on the site next year.

Among the £1m-worth of infrastructure and community works being undertaken by St Modwen will be over £500,000 to education, £160,000 to provide a new children’s play area, public transport and sports facility improvements, half-an-acre of land assigned to allotments and the transfer of other land to the council.

Julie Rossiter, senior asset manager at St Modwen, remarked: “We are very pleased to get the go-ahead for our scheme situated north of Audley Avenue, which is just a short walk from Newport town centre. It will transform this area into a vibrant residential development and bring social, economic and environmental benefits to the area.”

20 new homes

Find your new home at Whathouse.com

MP gains insight into Mar City’s modular technology Brandon Lewis MP visits Regent’s Wharf in Walsall to find out more about a housebuilding innovation

M

i dlands-based Mar City Homes has unveiled a groundbreaking new concept which the company believes will mark a fundamental shift in the way that UK homes are built and help alleviate the chronic housing shortage.

By bringing modern, highspecification, modular construction to the UK residential homes market, a home can be almost entirely constructed in a factory environment.

This means the construction process is up to three times faster than existing housebuilding methods, saving time and labour costs while offering increased efficiency, as well as protecting the environment.

Minister of state for housing and planning Brandon Lewis was keen to

learn more about Mar City’s modular construction method, touring Mar City’s Regent’s Wharf, Walsall, in early August. The site tour involved a demonstration of modules being craned into place showcasing the speed at which properties can be built. A timelapse video was also used to highlight the effectiveness of the build process.

This innovative new concept has taken almost a decade to develop and while modern construction methods have been used in other industries, modular systems have never before been viable in residential housebuilding.

With a strong focus on sustainable building techniques and a 96% waste recycling rate, modular building is not only fast and cost-effective but also green. With an accuracy rate only available in factory conditions, modular housing creates less waste

than traditional site-built methods, while simultaneously reducing disturbance to the local environment and community.

High-quality design and accurate build times achieved thanks to controlled factory conditions also means that new homeowners can benefit from superior noise insulation and lower energy costs.

The minister visit included a tour of Mar City’s modular show home, ‘The Fullbrook’. A spacious two-bedroom, semi-detached property, the show home is evidence of the high quality standards of build and fit-out that can be achieved using modular technology.

Mar City Homes will be delivering 115 new homes at Regent’s Wharf.

Find out more from sales agent Connells at walsall@connells.co.uk; 01922 721 000

KEY FACTS Housebuilding has not changed in the last 100 years – Mar City Homes believe this launch marks a fundamental shift in the way residential homes are likely to be built in the future.

The modular approach Mar City has developed means that homes can now be built up to three times faster, largely under factory conditions before being delivered on site.

Using this modular approach, Mar City can match and even better the quality criteria of a traditional build and crucially match the cost. The modular concept also substantially increases energy efficiency meaning lower running costs for homeowners.

From top: One of the modules is craned into place at Regent’s Wharf; Tony Ryan, chief executive of Mar City (at the rear), welcomes Brandon Lewis and Councillor Mike Bird, leader of Walsall Council

Hilton Brighton Metropole, Brighton, Sussex 27-28 September from 10am to 5pm Are you in the market for: • your first home?

• moving to a larger or smaller home?

• an overseas home?

• investment property?

• retirement property?

Net your dream home at the WhatHouse? Show

Searching for a property online or in a newspaper will only take you so far.

Come to our 3 seminar theatres to find out about Help to Buy, Shared Ownership and many other aspects of buying and investing in property in the UK and abroad.

Entry is free – see you at the show!

Come and meet developers Find out more at and agents face-to-face at whathouseshow.co.uk or The WhatHouse? Show. call 0207 940 1070.

Media partners

Find out if we’re building in you’re area....

ALEXANDRA GRANGE Tipton, Sandwell A wonderfully presented mix of 2, 3, and 4 bedroom houses and 2 bedroom apartments.

0845 605 7773

THE MALT HOUSE REGENT’S WHARF Leamore, Walsall 1, 2, 3, and 4 bedroom apartA canalside development with a ments and duplexes mixture of 2 and 3 bedroom homes 605 7774 08450845 605 7774

THE MALT HOUSE Beautifully converted 1, 2, 3, and 4 bedroom apartments and duplexes in a Grade II listed building

0154 325 6647

www.marcityhomes.com

Available with Help To Buy

22 overseas

Find your new home at Whathouse.com

Who needs to be a millionaire?

The nation of Antigua and Barbuda is the archetypal luxury Caribbean getaway, but you won’t need a fortune to afford a holiday home there

A

country comprising two islands, it is in the larger, Antigua, that development and tourism has flourished and now offers a chance for sunstarved Brits to buy a slice of tropical paradise as a retirement or holiday home. And it’s not as expensive as you might think.

“Two-bedroom Jolly Harbour villas start at around US$220,000 for sale, or around US$900 per month (plus US$270 community charge) for a longterm rental, or around US$850 per month for a holiday rental. There’s a broad spectrum,” says Nadia Dyson of Luxury Locations, an award-winning specialist agent in Antigua and Barbuda.

With a number of regular flights from the UK, it’s part of the Caribbean that is particularly easy to get to, though Dyson’s colleague, Gemma Handy, editor of the magazine that the company produces, says there are many reasons why the British look there to buy or rent a home.

“We love the fact Antigua has maintained its individuality and culture while many of its neighbours have become very Americanised,” she says.

“The people here are superbly friendly; visitors and new residents frequently cite

spontaneous acts of helpfulness and generosity as a major factor in making the decision to return or set up home here. It also feels very safe in Antigua and offers a decent standard of living.

She goes on: “High numbers of tourists haven’t mitigated its grassroots charm and innate culture, which can be seen and felt throughout the twin island nation. It offers something to suit everyone – from superb sailing and kite-surfing conditions, historical monuments, decent duty free shopping, five-star resorts, restaurants and spas, high-energy Carnival festivities and nightlife. Its superb array of beaches has spawned the tagline ‘a beach for every day of the year’.”

Dyson outlines a range of property hotspots that buyers could consider: “Jolly Harbour remains the most popular area. Other hotspots include the wider west coast area such as Tamarind Hills or Harbour View. English Harbour is popular with those attracted by actionpacked seasonal nightlife or sailing.

Many choose to buy within a resort, such as Blue Waters in the north of the island, or Nonsuch Bay on the east coast.

The latter option grants access to all of the resort’s facilities plus maintenance of their home when they’re absent.”

Purchasing property is

straightforward and, in fact, there are incentives to encourage foreigners to invest in a home. “When buying a house you must apply for a noncitizen’s licence. For most properties, this costs 5% of the purchase price,” says Dyson. “However, if you choose to invest in a new development you will likely be offered a generously reduced rate. Getting official approval – which 99% of applicants do – takes anywhere from three to 12 weeks.

“Last year, a citizenship by investment scheme came into effect – those who purchase a home in an approved development for a minimum US$400,000 are eligible for an Antiguan passport.”

She also has good news for those looking for a financial return on their property investment in Antigua: “The rental market here is booming and gathering momentum all the time.

Generally, owners can expect a 10% annual return on their investment if they enter it into the rental pool.”

Find out more at www.luxurylocations.com; 00 1 268 764 5874

Right from top: English Harbour and Nelson’s Dockyard; Property for long-term rent in Jolly Harbour, 3 beds, 2 baths, US$2,000 pcm; Property for sale in Jolly Harbour, 2 beds, 2 baths, US$275,000

Wolves Official Merchandise

2014/15 Wolves home kit available now.

Available online, in-store and via mail order.

Molineux Megastore: 0871 222 2220 option 1 Dudley Street Superstore: 01902 578 500 wolvesmegastore.co.uk

A Will is not enough to protect your family...

Advertisment Feature

However, a Will can only dispose of the assets that you own at the date of your death and if the value of these is eroded during your lifetime, there will be little if anything left for your beneficiaries to inherit.

Lifetime Asset Trusts ( Trust ) are specifically designed to protect your assets for you during your lifetime and give you the peace of mind that they can be passed on securely and intact to your spouse, your children and their bloodline, or other named beneficiaries, after your death.

Everybody wants to protect their assets for the benefit of their loved ones. People are motivated to provide for their children throughout their lives and want what is best for them. Many

people will draft a Will hoping to ensure that the assets that they have worked hard to acquire during their lifetime are passed on to their children and chosen beneficiaries after their death.

During your lifetime Once the Trust has been created, you can use it to ‘ring-fence’ your assets. Most people will protect their home and their savings, leaving capital in their bank or other savings accounts for ongoing living expenses. Income from savings protected within the Trust can be paid directly into your bank account to supplement income from earnings or pensions.

Just like a safety deposit box, assets can be added and removed from the Trust during your lifetime. If you have large expenses that cannot be met out of normal income, like a new car, holiday, or house repairs, the appropriate sum can be transferred to your bank account from the Trust.

You are named as the ‘Principle Beneficiary’ of the Trust and retain full control of the assets within the Trust while you are alive and have mental capacity. You are free to move home, or release equity from the Trust at any time.

The Trust is a beneficial tool both for single people and married couples.

The Trust is fully reversible, so if you change your mind at any time in the future, you are able to return everything back to its previous situation.

Who inherits your Wealth?

Do you want your home and wealth to go to your children and other loved ones?

Having a Family Trust ensures that your children and loved ones inherit your property and wealth. Even if you have a Will, your property is not fully protected – your assets could be taken from you in your lifetime, leaving your loved ones with nothing when you die.

Trusts have been enshrined in law for over 600 years and are the most effective way to protect the things you’ve worked hard for. Your home, your assets, your wealth.

If you’re worried that your home may have to be sold and you’re worried that your children won’t get what’s rightfully theirs, don’t wait until it’s too late. Contact Our Family Trust today.

For your free consultation please call:

0800 9 500 700 or text TRUST to 66777

www.ourfamilytrust.co.uk The Station House, Station Approach, Otford, Kent TN14 5QY. The Will Associates Ltd. trading as Our Family Trust & Get a Will Today.

Texts are charged at your normal network rate.

Harborne Sales 0121 426 1876 Harborne Lettings 0121 426 2931 8am - 10pm everyday

Meet your local property experts and find out how we can help you. haart Sales

haart of Harborne opened its doors in July 2014 and has hit the ground running selling houses in the 1st month. The sales team is headed up by branch manager David Grubb who has over a decade’s worth of industry experience. He is joined by negotiators Levi Barratt, Catherine Higgins and Tanya Johnson. David believes the secret to any successful business is its dedicated and hardworking team of staff. This bright and energetic team balance great sales techniques with good honest advice and a commitment to providing our customers with the 1st class service they deserve. The team are really excited at being open in Harborn. It is a very desirable place to live, it has an urban village sort of feel, with good cafes, restaurants and pubs, yet Birmingham city centre is just over a mile away. The whole team are really proud of their new property centre which is really welcoming with interactive PCs for customers to browse the property portfolio. David and the team are all passionate about the brand and we feel haart leads the way in marketing with innovative marketing techniques, use of social media, apps and professional photography. This, married with the team’s

haart Lettings

In conjunction with the Sales team, haart Residential Lettings also opened for business in July 2014 and made a mark instantly with their ability to find the right tenants for the right property quickly. The lettings team comprises of Lettings Area Manager Minder Virdee who has been with the company over 7 successful years. He is joined

by Negotiator’s Inderpaul Channa and Harminder Matharu who have helped the lettings business take off with great effect. “Key to our business is our ability to act as an advisor and treating everybody as an individual,” says Minder Virdee. “Our ability to let a property quickly and efficiently is based on two factors, marketing and price. Get both right and a property will not be on the market long.” Minder has successfully managed new offices within the business and says that there is a lot of enthusiasm and delight at opening a business in such a great location.

“Our ability to go the extra mile for our clients and obsession with customer service should stand us in good stead.” The lettings team believe that having a customer focused approach combined with their hard work and dedication will help us in our goal to become a market leading letting agent in Harborne and the surrounding area.

energetic, professional and dedicated approach is sure to take haart to where they want to be - the agent of choice for anyone looking to sell in Harborne and the surrounding towns.

We do more to get you more

We know the market inside out, but you know your home better than anyone.

So we’ll ask you what makes it special.

Why? Because getting the best result is all about matching the right person to the right home.

So the more we know about yours, the better.

For a free valuation call us on Sales 0121 426 1876 Lettings 0121 426 2931 8am-10pm everyday

HARBORNE

haart.co.uk