Elite Summer 2013 Edition by Lawlors Property Services

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Summer ɑɏɐɒ

NEW BUILD - from concept to completion

Eighteen years’ experience have earned Chigwell Construction a reputation for completing projects to time, to budget, to quality, and safely, with a further focus on the environmental impact of our activities. We adopt a friendly and collaborative approach to working with our clients which has generated a number of long-term partnerships and much repeat business. Our motto is ‘Right First Time’ for good reason. Our core activities are: • Planned refurbishment work including Decent Homes improvements, voids refurbishments and cyclical repairs. • Responsive repairs and day-to-day maintenance work including out-of-hours and emergency works.

EXTENSION - before and after

• New builds, extensions and loft conversions. We always strive to go that extra mile to exceed our clients’ expectations and this is evident not only in the KPI targets we achieve on all contracts but by the added value incentives we also deliver to clients and residents. A key factor in our success is undoubtedly the staff we employ and the only works which we choose to sub-contract are scaffolding and asbestos removal. We manage costs, safety and quality by having an in-depth knowledge of our team and their strengths, all staff being fully conversant with our policies and procedures. We currently have 188 employees including eight Gas Safe Engineers and nine NICEIC Electricians.

CHIGWELL CONSTRUCTION

EXTENSION - before, during and after

Aaron House, 7-8 Hainault Business Park Forest Road, Hainault, Essex IG6 3JP T 020 8500 4100 F 020 8500 4102 E info@chigwellconstruction.co.uk www.chigwellconstruction.co.uk

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ŀE RESPONSE TO THE SPRING EDITION OF OUR &LITE MˬGˬZINE HˬS BEEN OVERWHELMING ˬND WE BELIEVE THˬT WE HˬVE THE LˬRGEST SELECTION OF LUXURY PROPERTIES OVER | IN THE ˬREˬ 8E ˬRE NOW SETTING ˬBOUT ˬCHIEVING RECORD TRˬNSˬCTIONS ŀE DISTRIBUTION OF THIS MˬGˬZINE HˬS ENSURED THˬT EˬCH ˬND EVERY PROPERTY FEˬTURED HˬS THE OPPORTUNITY TO BE REPRESENTED IN THE ǠNEST FˬSHION ˬND THE RESPONSE LEVEL HˬS FˬR EXCEEDED OUR EXPECTˬTIONS Our clients now recognise that this is the time to sell and many of the homes that are exclusive to us ˬRE FEˬTURED FOR THE ǠRST TIME IN SOME TWENTY YEˬRS ŀE DIVERSITY OF CHOICE IS EXCEPTIONˬL ˬND THERE IS EVIDENCE OF ˬ STRONG DESIRE TO COMMIT TO SELL 8ITH SO MUCH PENT UP DEMˬND IT IS ˬLREˬDY PROVING TO BE ˬ BUSY SUMMER 8E LOOK FORWˬRD TO WELCOMING CLIENTS OLD ˬND NEW THROUGHOUT THIS EXCITING SELLING SEˬSON

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INHOUSE 'OR PROPERTIES SUMMER 2013

UNDER | M PICK UP THE -ˬWLORS źƐŷƕƱƧŧ .ˬGˬZINE

THE MOST SUCCESSFUL PROPERTY MAGAZINE IN YOUR AREA Featuring properties in Chigwell, Loughton, Buckhurst Hill, Woodford Green, Epping, Theydon Bois, Abridge and surrounding areas

-ˬWLORS 1UBLISHING "LL RIGHTS RESERVED 3EPRODUCTION IS FORBIDDEN EXCEPT BY EXPRESS PERMISSION OF THE PUBLISHERS ŀE CONTENT OF THIS MˬGˬZINE IS BELIEVED TO BE CORRECT BUT ITS ˬCCURˬCY IS NOT GUˬRˬNTEED ˬND IT DOES NOT FORM PˬRT OF ˬNY OFFER OR CONTRˬCT -ˬWLORS 1UBLISHING CˬNNOT ˬCCEPT RESPONSIBILITY FOR ˬNY OMISSIONS OR ERRORS

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Coopersale Hall School, Epping Headmistress, Kaye Lovejoy talks about education without them or their friends realising they are doing anything differently from the ‘norm’. This is one of the strengths of having small class sizes and more individualised, personalised learning by staff who really get to know the children well.

How do the assessments work? We use several methods of testing the children, but the main focus is through the PIPs assessments. These allow us to compare the children with national averages, predict trends in current and future performances and help to set individual targets. The information is incredibly useful for us to measure the children’s performances

Tell me about Coopersale Hall School?

so we can get a better picture of how they’re doing.

Coopersale Hall is an independent fee paying preparatory school for boys and girls from the ages of 2½ to 11. Only 2 minutes from Epping High Street, it is convenient for families from Epping, Woodford, Loughton, Chigwell, Harlow and move onto the school of their choice at age 11. We are able to apply traditional

What preparation can be expected for entry into senior schools?

values with modern ideas and techniques in an environment that encourages

Preparation starts in Year 3 with more teaching from specialist teachers who follow

children to love learning.

a focussed curriculum. There is a ‘Choosing Senior Schools’ evening for Year 4

Brentwood. We provide children with the best chance to maximise their potential to

parents to discuss preferred choices and throughout Year 5 preparation increases appropriately. At the start of Year 6 as the practice papers and verbal/non-verbal

What is the style of education on offer at Coopersale Hall School?

reasoning skills progress, I carry out mock interviews with children to prepare

Coopersale Hall gives an excellent grounding in all subjects and our very

them to Coopersale Hall. We aim to offer an excellent education throughout the

experienced class teachers ensure that children’s knowledge has a secure basis on

age ranges, and feel we really excel as children move into our Year 3 and beyond.

them for their entrance procedures. We have a good working relationship with the majority of local senior school heads and have visited their schools or invited

which to build. We have a high staff to pupil ratio and ensure that children get the opportunity to learn individually, in small groups or through whole class teaching.

How do parents ¿nd out more? What happens for children who are strong academically?

We have Open Mornings in March and October each year, and we have a

The Gifted and Talented programme identifies children who have a particular flair

it gives me the opportunity to get to know each family from the first visit. We have a

for a subject and helps them to maximise their full potential. We try very hard

large number of followers on twitter now and prospective parents are able to learn

not to label children and are often able to support the children quite intensely

about us from our school website.

number of slots each week for parents to have individual school tours. I like to talk to parents personally about how Coopersale Hall School can best suit their child as

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Front Elevation

Tel +44 (0)20 8502 5585 mail@clear.gb.com www.clear.gb.com

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Strong rise in UK house prices in May As always, the property sector is awash with statistics. Currently, they indicate that the outlook for the housing market is extremely good. Halifax, part of Lloyds Banking Group and one of the UK’s largest mortgage lenders, have reported that UK house prices rose by 0.4% in May, the fourth consecutive monthly rise. In the three months March-May 2013, they have seen a 1.5% increase in property values. More positive news came from The Chancellor of the Exchequer, George Osborne, whose recent initiatives to boost the housing market through his, ‘New Buy’, ‘Help-to-Buy’ and ‘Funding for Lending Scheme’, appear to be paying off. According to the Markit/CIPS UK Construction Purchasing Managers’ Index (PMI), residential house building in the UK grew at its fastest pace for 26 months in May. This index rose to 50.8, its highest level since October 2012 and up from the 49.4 recorded in April. Any figure above 50 represents growth in the sector.

Meanwhile, the ONS’s Wealth and Asset Survey (2008-2010) asked 46,000 respondents to measure the value of their homes, together with any second/holiday homes and subtract any mortgages outstanding. Surprisingly, for those aged between 45 and 64 (the baby-boomers), 19% had amassed more than £1m in household wealth. In London this figure rose to 22% and in the remainder of the South East 28%. The London School of Economics has found that the over 55 year old, so-called ‘baby-boomers’, represent most of the UK’s 2.5m “millionaire households”, as they are the ones who have benefited most from rising house prices. Pensioners have accumulated property worth £770bn in England, Wales and Scotland and nearly 4.7m of those own their homes outright. These properties rose in value by £1.2bn in the past three months, according to Key Retirement Solutions, an advisory firm.

Recent research indicates that the number of mortgage products available has increased substantially since April 2012 – from 2,458 to 3,288. In addition, the number of 60% LTV (Loan to Value) products available has increased by 94%, from 285 to 553. Whilst 80% LTV products have increased by 48%. At the same time, many interest rates on fixed rate mortgages have decreased – more good news for property buyers.

And to finish – another statistic: the Council of Mortgage Lenders, say that, on the buy-to-let front, landlords were advanced £4.2bn, covering 33,500 mortgages in the first quarter of 2013. Even though half of this amount was for remortgaging, the sector continues to grow.

Another regular publisher of such figures is the aptly named Office for National Statistics (ONS). They report that, in the South East, the average house price in March 2013 was £293,000, whereas in the London area it was nearer to £400,000 and nationally (England) the figure was £235,000. All these prices reflect increases over the 12 month period to March 2013: South East 3.3%, London 7.6% and England 3.0%.

Please contact me if you would like legal advice on buying or selling a home.

Even taking into account the phrase, ‘lies, damned lies and statistics’, the outlook seems to be more positive than it has for some time.

Peter Westbrook Residential Property Partner 01279 638819 peter.westbrook@attwaters.co.uk

Whatever happens in life, you can depend on Attwaters Jameson Hill Solicitors

Our full range of legal services includes: Commercial • Civil Litigation • Commercial Property • Employment Residential Property • Education • Town & Country Planning • Family Road Traffic Offences • Wills, Trusts & Probate • Elderly Client Services Personal Injury • Medical Negligence

For information and advice, contact us at one or our four locations: Loughton

020 8508 2111

Hertford

01992 554881

Harlow

01279 638888

Ware

01920 460531

www.attwatersjamesonhill.co.uk

peter.westbrook@attwaters.co.uk

Twitter@Attwaters

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DŽƐƚ ƉĂƌĞŶƚƐ ǁŽƵůĚ ĂŐƌĞĞ ƚŚĂƚ ŐŝƌůƐ ĂŶĚ ďŽǇƐ ƌĞƐƉŽŶĚ ĚŝīĞƌĞŶƚůǇ ǁŚĞŶ ŐŝǀĞŶ ŝŶƐƚƌƵĐƟŽŶƐ ďǇ ĂĚƵůƚƐ͘ ƚ ƌĂĞƐŝĚĞ ǁĞ ǁŽƵůĚ ĂƌŐƵĞ ƚŚĂƚ ŵŝǆĞĚ ŐĞŶĚĞƌ ĞĚƵĐĂƟŽŶ ŝƐ ŶŽƚ ďĞŶĞĮĐŝĂů ƚŽ ŐŝƌůƐ ĂŶĚ ŝŶĚĞĞĚ ŐŝƌůƐ ĚŽ ŶŽƚ ĂůǁĂǇƐ ŐĞƚ Ă ĨĂŝƌ ĚĞĂů ǁŝƚŚŝŶ ƚŚĂƚ ĞŶǀŝƌŽŶŵĞŶƚ͘ ^ŵĂůů ĐůĂƐƐ ƐŝǌĞƐ ĂŶĚ ŝŶĚŝǀŝĚƵĂů ĂƩĞŶƟŽŶ ŝŶ Ă ƐĞĐƵƌĞ ĂŶĚ ƐƚĂďůĞ ĞŶǀŝƌŽŶŵĞŶƚ ĞŶĂďůĞ ŽƵƌ ŐŝƌůƐ ƚŽ ƌĞĂĐŚ ƚŚĞŝƌ ƉŽƚĞŶƟĂů ďŽƚŚ ĞĚƵĐĂƟŽŶĂůůǇ ĂŶĚ ƉĞƌƐŽŶĂůůǇ͘ /Ĩ ǇŽƵ ĨĞĞů ƚŚĂƚ ǇŽƵƌ ĚĂƵŐŚƚĞƌ ĚĞƐĞƌǀĞƐ ƚŚĞ ĐĂƌĞ ĂŶĚ ĂƩĞŶƟŽŶ ĂǀĂŝůĂďůĞ ƚŽ ŚĞƌ ŝŶ Ă ƐĐŚŽŽů ƚŚĂƚ ĐŽŵďŝŶĞƐ ƚƌĂĚŝƟŽŶĂů ǀĂůƵĞƐ ĂŶĚ ŚŝŐŚ ƐƚĂŶĚĂƌĚƐ ŽĨ ĚŝƐĐŝƉůŝŶĞ ǁŝƚŚ ĞǆĐĞůůĞŶƚ ƚĞĂĐŚŝŶŐ ƉůĞĂƐĞ ĐŽŶƚĂĐƚ ƵƐ ƚŽ ĂƌƌĂŶŐĞ Ă ǀŝƐŝƚ Žƌ ĚŝƐĐƵƐƐ ǇŽƵƌ ŝŶĚŝǀŝĚƵĂů ƌĞƋƵŝƌĞŵĞŶƚƐ͘

:ƵŶŝŽƌ Θ ^ĞŶŝŽƌ ^ĐŚŽŽů KƉĞŶ ĂǇͶ^ĂƚƵƌĚĂǇ ϭϮƚŚ KĐƚŽďĞƌ ϮϬϭϯ

&Ɖźƭŧ )ƕƏŧƧ ɏɑɏ ɗɓɐɗ ɐɗɘɏ ƽƽƽ ƉőƽƉƕƣƧ Şƕ ƱƇ WWW FˬCEBOOK COM LˬWLORSELITE WWW TWITTER COM LˬWLORSELITE

0ƉƉőƣŤƧ (ƣƕƼŧ -ƕƱŲŷƭƕƐ

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8E ˬRE PLEˬSED TO OFFER THIS CHˬRMING FˬMILY PROPERTY LOCˬTED IN ˬ PRIME POSITION ˬT THE TOP OF THE HILL YET WITHIN WˬLKING DISTˬNCE OF SHOPPING FˬCILITIES UNDERGROUND ˬND FOREST 1ROPERTY BENEǠTS INCLUDE ENTRˬNCE HˬLL SPˬCIOUS KITCHEN BREˬKFˬST ROOM UTILITY ROOM CLOˬKROOM THREE RECEPTIONS PLUS STUDY ǠVE BEDROOMS WITH EN SUITE BˬTHROOM TO THE MˬSTER ˬND FˬMILY BˬTHROOM ŀE PROPERTY ˬLSO OFFERS THE POTENTIˬL FOR FURTHER ENLˬRGEMENT SUBJECT TO USUˬL PLˬNNING CONDITIONS

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5ǃŞŧŷƱƣƧƭ )źƉƉ -ƕƱŲŷƭƕƐ

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8E ˬRE PLEˬSED TO OFFER THIS STUNNING DETˬCHED RESIDENCE SITUˬTED WITHIN THIS SOUGHT ˬFTER LOCˬTION 1ROPERTY BENEǠTS INCLUDE BRIGHT ˬND ˬIRY RECEPTIONS HˬLL MODERN FULLY INTEGRˬTED KITCHEN WITH STEPS LEˬDING DOWN TO ˬ DOUBLE HEIGHT OPEN PLˬN LIVING ROOM DINING ROOM WITH SPECTˬCULˬR VIEWS OVER THE REˬR GˬRDEN FORMˬL LOUNGE PLˬY ROOM CLOˬKROOM UTILITY ROOM ǠVE BEDROOMS THREE WITH EN SUITE facilities arranged over two ǢOORS ˬND FˬMILY BˬTHROOM ŀE PROPERTY ˬLSO HˬS PLˬNNING PERMISSION FOR ˬ FURTHER LOFT EXTENSION

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5ǃŞŧŷƱƣƧƭ )źƉƉ -ƕƱŲŷƭƕƐ

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8E ˬRE PLEˬSED TO OFFER THIS $)"*/ '3&& RESIDENCE WHICH IS WITHIN WˬLKING DISTˬNCE TO THE $ENTRˬL -INE WITH ITS TRˬNSPORT LINKS TO THE $ITY ˬND 8EST &ND ˬND THE FˬSHIONˬBLE #OUTIQUES ˬND EˬTERIES OF THE LOCˬL )IGH 3OˬD 1ROPERTY INCLUDES ON THE GROUND ǢOOR ENTRˬNCE HˬLL CLOˬKROOM SPˬCIOUS KITCHEN BREˬKFˬST ROOM WITH ˬDJOINING UTILITY ROOM ˬND THREE RECEPTIONS ŀE ǠRST ǢOOR COMPRISES OF MˬSTER BEDROOM WITH EN SUITE BˬTHROOM ˬND DRESSING ROOM BEDROOM TWO WITH EN SUITE TWO FURTHER BEDROOMS ˬND FˬMILY BˬTHROOM WHILST THE SECOND ǢOOR OFFERS TWO FURTHER BEDROOMS ˬND ˬ SNOOKER ROOM ENTERTˬINMENT ROOM

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&Ɖźƭŧ )ƕƏŧƧ ɏɑɏ ɗɓɐɗ ɐɗɘɏ ƽƽƽ ƉőƽƉƕƣƧ Şƕ ƱƇ WWW FˬCEBOOK COM LˬWLORSELITE WWW TWITTER COM LˬWLORSELITE

#ƣƕƕƇ 3źƧŧ $ŷźŲƽŧƉƉ

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8E ˬRE PLEˬSED TO OFFER THIS SUBSTˬNTIˬL ǠVE BEDROOM DETˬCHED RESIDENCE SITUˬTED IN THIS SOUGHT ˬFTER LOCˬTION WITHIN WˬLKING DISTˬNCE OF THE PRESTIGIOUS LOCˬL PˬRˬDE ˬMENITIES ˬND $HIGWELLmS $ENTRˬL -INE STˬTION ŀE PROPERTY OFFERS THREE RECEPTIONS RECENTLY EXTENDED KITCHEN BREˬKFˬST ROOM CLOˬKROOM MˬSTER BEDROOM with en suite dressing room ˬND BˬTHROOM FOUR FURTHER BEDROOMS ˬND FˬMILY BˬTHROOM 5O THE FRONT OF THE PROPERTY there is a carriage driveway with OFF STREET PˬRKING FOR NUMEROUS vehicles and allowing access to THE INTEGRˬL GˬRˬGE

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"ĆĄĹ&#x2018;ĆŁĆĆ?Ĺ§Ć?Ć É&#x201C; (Ĺ&#x2018;Ç&#x192;Ć?Ĺ§Ć§ 1Ĺ&#x2018;ĆŁĆ&#x2021; .Ĺ&#x2018;Ć?Ć§ĹşĆ&#x2022;Ć?Ć§

É&#x17E;É? É&#x201D;É?É? É?É?É? A simply stunning show apartment offering breathtaking views over the landscaped grounds of 10 acres ËŹND TRËŹNQUIL LËŹKE Ĺ&#x20AC;IS PËŹRTICULËŹR apartment is one of seven luxurious apartments set within this grade two listed mansion which has been converted under the auspices of English Heritage. 1ROPERTY BENEÇ TS OF INCLUDES SPËŹCIOUS KITCHEN BREËŹKFËŹST ROOM UTILITY ROOM CLOËŹKROOM MËŹGNIÇ CENT OPEN PLËŹN DRËŹWING ROOM DINING ROOM WITH SPLIT LEVEL STUDY ËŹREËŹ IN ËŹDDITION TO TWO DOUBLE BEDROOMS WITH EN SUITE BËŹTHROOMS &XTERNËŹLLY THE PROPERTY BENEÇ TS FROM ËŹ DOUBLE GËŹRËŹGE ËŹ FULLY EQUIPPED GYM ËŹND THE ËŹPËŹRTMENT HËŹS THE BENEÇ T OF ËŹ CONCIERGE SERVICE ON SITE

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"ƉŝźƕƐ )źƉƉ -ƕƱŲŷƭƕƐ

ɞɐ ɒɖɔ ɏɏɏ " STUNNING DETˬCHED RESIDENCE BUILT IN THE l/EW &NGLˬNDm STYLE SITUˬTED IN THIS EXTREMELY POPULˬR RESIDENTIˬL ROˬD ŀE CURRENT VENDORS HˬVE TOTˬLLY TRˬNSFORMED THE INTERIOR OF THIS ˬTTRˬCTIVE PROPERTY DURING THEIR OWNERSHIP ˬND IT HˬS BEEN STYLISHLY DECORˬTED TO ˬN EXCEPTIONˬLLY HIGH STˬNDˬRD THROUGHOUT 1ROPERTY BENEǠTS INCLUDE SPˬCIOUS ENTRˬNCE HˬLL CLOˬKROOM NEWLY ǠTTED FULLY INTEGRˬTED KITCHEN DINING ROOM LIVING ROOM WITH DOUBLE DOORS LEˬDING TO TERRˬCE FˬMILY ROOM STUDY LˬRGE UTILITY ROOM SIX BEDROOMS TWO WITH EN SUITE FˬCILITIES ˬND FˬMILY BˬTHROOM GˬRˬGE ˬND SOUTH FˬCING GˬRDEN

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Protecting land for local residents Or, to put it another way, how to stop developers taking over and building on our common land... When summer eventually arrives (and as I prepare this article the wind is howling, the rain is lashing down so summer still seems a rather alien concept) then hopefully you will be able to visit the local park to enjoy yourself with family and friends. Whether it’s having a picnic, playing sports or walking the dog we can all spend hours in the great outdoors. But this is something that we cannot take for granted. At times it is necessary for local residents to take action to protect their ‘common areas’ such as fields or small greens in the immediate vicinity of their homes. If such land is being threatened with development urgent steps need to be taken to register the land under the Commons Act of 2006. If the land is registered then it will be protected and safe from future development. Registration depends upon being able to show that a significant number of local inhabitants have used the land, as of right, for lawful sports and pastimes for a period of at least 20 years. As you may imagine, this has been a popular tactic by residents of areas where small village greens have been used by them for many years. In a recent case however, the concept of what constitutes a ‘town or village green’ has been significantly extended. The case involved a beach at Newhaven. A breakwater had been installed as part of a port development and that had resulted in an area of sand building up. The issue raised was whether a tidal beach could be registered as a town or village green. The area of land in dispute, although tidal and covered by water for much of the day, had been used by local inhabitants for lawful sports and pastimes for at least 20 years. The local authority applied for it to be registered as a town or village green, but this was opposed by the owner of the land, the Port Authority. The Court of Appeal upheld the application and decided the beach should be protected. The Port Authority, needless to say, is aghast at the decision and the case is currently on its way to the Supreme Court for a final ruling.

You may think this is not particularly relevant in West Essex as we are hardly known for our tidal beaches. But the court decision has fairly far-reaching consequences. For example at the moment an application is being made to have the grey, grafﬁti-splattered concrete area under the Southbank centre classiﬁed as ‘community space’ to prevent it from being redeveloped for retail units, cafe and a new entrance to the cultural centre. To skateboarders this dingy area has become sacred territory with its concrete lumps and ramps which have been used continuously by skateboarders for 40 years. So if you believe your local community areas are at risk seek advice and you may be surprised at what you can achieve.

Resolving your legal problems

At Foskett Marr Gadsby & Head LLP we specialise in dealing with property related matters. Whatever your property aims or concerns may be, we will be delighted to assist. We have ofﬁces in Epping and Loughton (details below) but can also visit you at your home or ofﬁce.

Our legal services include

Employment Commercial Disputes Litigation

Conveyancing Leases Wills and Trusts Matrimonial

John M E Jones Partner

For further details please contact:

Foskett Marr Gadsby & Head LLP 181 High Street, Epping, Essex CM16 4BQ (Ofﬁces above the Barclays Bank)

John Worby 181 High Street, Epping Essex CM16 4BQ

John Jones 106-108 High Road, Loughton Essex IG10 4HN

johnworby@foskettmarr.co.uk

johnjones@foskettmarr.co.uk

106-108 High Road, Loughton, Essex IG10 4HN (Ofﬁces above the Nationwide Building Society)

Whichever ofﬁce you would like to use please call 01992 578 642.

01992 578 642

Finest Mortgages... With mortgage rates at an all time low, we can prove that quality and cost are not related when it comes to your next mortgage. In fact, we think you will be pleasantly surprised at what we can do for you... At Fitch & Fitch, we have excellent contacts with a portfolio of private lenders amongst all of the usual High Street lenders. We often offer exclusive rates that are not available direct and can negotiate the rate and fee on behalf of the client. We can arrange funding on a fixed-rate basis, or linked to Bank Base Rate or Libor (London Interbank Offered Rate), depending on your preference. Offshore funding and complicated tax structures can also be catered for, as well as multi-currency lending and deals with no early repayment charges. We are specialist mortgage brokers that can help you with your next purchase or remortgage irrespective of how large or small. Why not call ourselves today to see what we can do for you.

Call 0845 680 9019

mortgages@fitchandfitch.co.uk

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT.

Are you still paying your lenders Standard Variable Rate? Speak to us today to see how much you may be able to save by remortgaging to a lower rate and ﬁx it at the same time. E.g If you have 40% equity in your property, you could go from paying 3.99% to 1.99%...

2 year ﬁxed rate mortgage

25% DEPOSIT

2.19%

0845 680 9019

(5.40%APR)

2 year ﬁxed rate until 30/06/2015. No extended early repayment charges.

0845 680 9019

2 year ﬁxed rate mortgage

40% DEPOSIT

1.95%

(3.70%APR)

2 year ﬁxed rate from date of legal completion. No extended early repayment charges.

* All mortgage calculations and APRs are based on a purchase price of £1000,000 repayment mortgage over 25 years. Should you require different mortgage calculations then please call one of our independent mortgage advisers on 0845 680 9019.

Fitch & Fitch is a Trading Style of JLM Mortgage Services which is authorised and regulated by the Financial Conduct Authority for advising on and arrangin arranging mortgages and insurance. Financial Services Authority Registration Number 300629.. 37th Floor, One Canada Square, Canary Wharf, London E14 5AA

&Ɖźƭŧ )ƕƏŧƧ ɏɑɏ ɗɓɐɗ ɐɗɘɏ ƽƽƽ ƉőƽƉƕƣƧ Şƕ ƱƇ WWW FˬCEBOOK COM LˬWLORSELITE WWW TWITTER COM LˬWLORSELITE

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8E PRESENT THIS STUNNING FˬMILY HOME THˬT IS WITHIN WˬLKING DISTˬNCE TO THE $ENTRˬL -INE SCHOOLS ˬND THE )IGH 3OˬD ŀE PROPERTY HˬS BEEN RENOVˬTED BY THE CURRENT OWNERS TO ˬN EXCEPTIONˬLLY HIGH STˬNDˬRD ˬND OFFERS ˬ SPˬCIOUS ENTRˬNCE HˬLL CLOˬKROOM BESPOKE KITCHEN DINER WITH PˬTIO DOORS ONTO THE GˬRDEN SITTING ROOM WITH PˬTIO DOORS ONTO THE REˬR GˬRDEN DRˬWING ROOM ˬND RECEPTION ROOM ŀE ǠRST ǢOOR COMPRISES OF ˬ MˬSTER BEDROOM WITH DRESSING ROOM ˬND EN SUITE LˬRGE SECOND BEDROOM WITH EN SUITE SHOWER ROOM THREE FURTHER BEDROOMS ˬND FˬMILY BˬTHROOM ŀERE IS OFF STREET PˬRKING TO THE FRONT LEˬDING TO THE DOUBLE GˬRˬGE whilst the rear garden has an EXTENSIVE DECKING ˬREˬ WITH REMˬINDER LˬID TO LˬWN

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" RˬRE OPPORTUNITY TO PURCHˬSE THIS CHˬRˬCTER RESIDENCE SITUˬTED IN THIS PREMIER RESIDENTIˬL ROˬD WITH EXCEPTIONˬL FˬR REˬCHING VIEWS OVER -OUGHTON ŀE CURRENT VENDORS HˬVE OBTˬINED PLˬNNING PERMISSION TO FURTHER EXTEND THE ˬLREˬDY SPˬCIOUS ˬCCOMMODˬTION WHICH IS ˬRRˬNGED OVER THREE ǢOORS $URRENTLY THE PROPERTY COMPRISES OF ENTRˬNCE HˬLL MODERN KITCHEN BREˬKFˬST ROOM UTILITY ROOM CLOˬKROOM THREE RECEPTIONS CONSERVˬTORY q SIX BEDROOMS ˬRRˬNGED OVER TWO ǢOORS WITH EN SUITE TO THE MˬSTER ˬND FˬMILY BˬTHROOM &XTERNˬLLY THE PROPERTY OCCUPIES ˬ FT FRONTˬGE ˬND THERE ˬRE TWO GˬRˬGES ˬND ˬBUNDˬNT OFF STREET PˬRKING " PˬRTICULˬR FEˬTURE OF THIS PROPERTY IS THE MˬTURE LˬNDSCˬPED rear garden which has a wealth of PLˬNTS SHRUBS ˬND TREES

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5ŷŧ (ƣŧŧƐ 5ŷŧǃŤƕƐ #ƕźƧ &ơơźƐŲ

ɞɐ ɕɘɔ ɏɏɏ ŀIS CHˬRMING PROPERTY IS DISCREETLY SET WITHIN ˬ DELIGHTFUL GˬTED CUL DE SˬC ˬND BˬCKS DIRECTLY ONTO ŀEYDON #OIS $RICKET PITCH ˬND 5ENNIS $LUB "DJˬCENT TO ŀE (REEN ˬND ŀEYDON #OIS STˬTION ˬND SHOPS ŀE ˬLREˬDY SPˬCIOUS ˬCCOMMODˬTION OFFERS THE POTENTIˬL TO FURTHER EXTEND SUBJECT TO USUˬL PLˬNNING CONDITIONS $URRENTLY THE PROPERTY COMPRISES OF SPˬCIOUS ENTRˬNCE HˬLL CLOˬKROOM KITCHEN BREˬKFˬST ROOM DRˬWING ROOM DINING ROOM FˬMILY ROOM STUDY FOUR DOUBLE BEDROOMS THREE with en suite facilities and family BˬTHROOM ŀE PROPERTY BOˬSTS ˬN ˬTTˬCHED TRIPLE GˬRˬGE ˬND CˬRRIˬGE DRIVEWˬY

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4ƭőƐƏƕƣŧ 8őǃ -ƕƱŲŷƭƕƐ

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ŀIS PROPERTY IS POSITIONED WITHIN ˬ WˬLLED SURROUND IN ˬ DESIRˬBLE LOCˬTION ON THE (OLDINGS .ˬNOR &STˬTE ŀIS BEˬUTIFUL FˬMILY RESIDENCE OFFERS SPˬCIOUS ˬND COMFORTˬBLE ˬCCOMMODˬTION WITHIN ˬ DISCREET SETTING ŀE GROUND ǢOOR COMPRISES OF LˬRGE ENTRˬNCE PORCH WITH DOUBLE DOORS LEˬDING INTO MˬIN HˬLL DOWNSTˬIRS CLOˬKROOM SPˬCIOUS KITCHEN BREˬKFˬST BˬR WITH .IELE ˬPPLIˬNCES PˬRT UNDER ǢOOR HEˬTING UTILITY ROOM DINING ROOM WITH PˬTIO DOORS LEˬDING ONTO REˬR PˬTIO GˬRDEN FˬMILY 57 ROOM ˬND DRˬWING ROOM WITH ˬTTRˬCTIVE WOOD BURNER ǠREPLˬCE ˬND WIDE BˬY WINDOW THˬT OVERLOOKS THE STUNNING REˬR GˬRDEN 0N THE ǠRST ǢOOR THERE ˬRE FOUR BEDROOMS with en suite to the master and FˬMILY BˬTHROOM &XTERNˬLLY THERE IS OFF STREET PˬRKING DETˬCHED GˬRˬGE ˬND STUNNING LˬNDSCˬPED GˬRDEN WITH HEˬTED POOL ˬND SUMMER HOUSE

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5ƕƏƧƽƕƕŤ 3ƕőŤ $ŷźŲƽŧƉƉ

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8E ˬRE PLEˬSED TO OFFER THIS ˬTTRˬCTIVE EXECUTIVE RESIDENCE SITUˬTED ON THIS EVER POPULˬR RESIDENTIˬL ROˬD IN $HIGWELL 1ROPERTY BENEǠTS ON THE GROUND ǢOOR INCLUDE ENTRˬNCE WˬLL WITH TILED ǢOORING KITCHEN BREˬKFˬST ROOM WITH ˬDJˬCENT UTILITY ROOM CLOˬKROOM OPEN PLˬN DRˬWING ROOM leading into formal dining room ˬND FˬMILY ROOM 0N THE ǠRST ǢOOR THE MˬSTER BEDROOM HˬS ˬN EN SUITE BˬTHROOM ˬND BˬLCONY FOUR FURTHER DOUBLE BEDROOMS ONE OF WHICH HˬS ˬN EN SUITE ˬND FˬMILY BˬTHROOM 5O THE FRONT THERE IS PˬRKING FOR SEVERˬL vehicles and the rear garden includes ˬ RˬISED DECKING ˬREˬ WITH STEPS LEˬDING DOWN TO THE GˬRDEN

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3ŧơƭƕƐ 1őƣƇ 8ƕƕŤűƕƣŤ (ƣŧŧƐ

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8E ˬRE PLEˬSED TO OFFER THIS STYLISH DUPLEX ˬPˬRTMENT SITUˬTED WITHIN THIS ELEGˬNT CONVERTED BUILDING IN 3EPTON 1ˬRK ŀE ˬPˬRTMENT IS OFFERED CHˬIN FREE 1ROPERTY BENEǠTS INCLUDE elegant communal hall with IMPOSING STˬIRCˬSE LEˬDING TO THE ǠRST ǢOOR WHERE THIS PˬRTICULˬR ˬPˬRTMENT IS LOCˬTED 0NCE INSIDE THE ˬPˬRTMENT THERE IS ˬN ENTRˬNCE HˬLL UPGRˬDED KITCHEN DINING ROOM WITH ˬDJOINING FˬMILY ROOM CLOˬKROOM DRˬWING ROOM FOUR BEDROOMS TWO WITH EN SUITE FˬCILITIES ˬND FˬMILY BˬTHROOM

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'ฦ ฦฑว -ล ฦ ลง &ฦกฦกลบฦ ลฒ

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1LEหฌSE NOTE THIS PROPERTY CหฌN BE SOLD หฌS EITHER THE MหฌIN BหฌRN ON ITS OWN OR THERE IS หฌLSO THE POSSIBILITY OF หฌCQUIRING หฌ THREE BEDROOM หฌTTหฌCHED PROPERTY KNOWN หฌS THE #OOTHY ล IS WOULD MหฌKE หฌN IDEหฌL HOME for an extended family as the two PROPERTIES COMBINED WOULD BE EIGHT BEDROOMS *T WOULD หฌLSO BE EหฌSY FOR หฌ PURCHหฌSER TO หฌMหฌLGหฌMหฌTE THE PROPERTY BหฌCK IN TO ONE SPECTหฌCULหฌR RESIDENCE ล E PROPERTY หฌLSO BOหฌSTS the advantage of the owner having OBTหฌINED PLหฌNNING PERMISSION FOR หฌ SUBSTหฌNTIหฌL EXTENSION TO THE KITCHEN

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"ƉŤŧƣƭƕƐ )źƉƉ -ƕƱŲŷƭƕƐ

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8E ˬRE PLEˬSED TO OFFER THIS DELIGHTFUL FˬMILY RESIDENCE WHICH HˬS BEEN RECENTLY BUILT TO PROVIDE ˬ STYLISH FˬMILY RESIDENCE OFFERING ǢEXIBLE ˬCCOMMODˬTION ˬRRˬNGED OVER THREE ǢOORS ŀIS SPˬCIOUS PROPERTY IS IDEˬLLY located for access to the Central -INE WITH ITS TRˬNSPORT LINKS TO THE $ITY ˬND THE 8EST &ND 1ROPERTY BENEǠTS ON THE GROUND ǢOOR INCLUDE SPˬCIOUS HˬLL STUNNING ǠTTED KITCHEN UTILITY ROOM CLOˬKROOM ˬND FOUR RECEPTIONS ROOMS 0N THE ǠRST ǢOOR THERE ˬRE FOUR LIGHT ˬND ˬIRY BEDROOMS EˬCH with en suite facilities whilst on the SECOND ǢOOR THERE ˬRE TWO FURTHER DOUBLE BEDROOMS &XTERNˬLLY THERE is a carriage driveway leading to the integral garage whilst the rear GˬRDEN COMPRISES OF PˬTIO ˬREˬ WITH REMˬINDER LˬID TO LˬWN

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"ƉŤŧƣƭƕƐ )źƉƉ -ƕƱŲŷƭƕƐ

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8E ˬRE PLEˬSED TO OFFER THIS SPˬCIOUS RESIDENCE ŀE PROPERTY IS OFFERED WITH THE BENEǠT OF THE OWNER HˬVING OBTˬINED PLˬNNING PERMISSION FOR ˬ SUBSTˬNTIˬL EXTENSION 3EF &1' 1ROPERTY BENEǠTS INCLUDE SPˬCIOUS RECEPTION HˬLL NEWLY ǠTTED KITCHEN UTILITY ROOM DINING ROOM SITTING ROOM FˬMILY GˬMES ROOM STUDY CLOˬKROOM SPˬCIOUS LˬNDING SEVEN BEDROOMS ˬRRˬNGED OVER TWO ǢOORS WITH EN SUITE TO MˬSTER ˬND FˬMILY BˬTHROOM ŀE PROPERTY IS IDEˬLLY LOCˬTED FOR ˬCCESS TO THE $ENTRˬL -INE WITH ITS TRˬNSPORT LINKS TO THE $ITY ˬND 8EST &ND ˬND THE SHOPPING FˬCILITIES OF THE LOCˬL )IGH 3OˬD

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$ƉőƣŧƐŞŧ (őƭŧ 8ƕƕŤűƕƣŤ (ƣŧŧƐ

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"N EXECUTIVE ǠVE BEDROOM DETˬCHED RESIDENCE SITUˬTED WITHIN THE PRESTIGIOUS 3EPTON 1ˬRK %EVELOPMENT ŀE PROPERTY IS OFFERED CHˬIN FREE 1ROPERTY BENEǠTS OF THIS PROPERTY INCLUDE SPˬCIOUS RECEPTION HˬLL FULLY ǠTTED KITCHEN BREˬKFˬST ROOM UTILITY ROOM CLOˬKROOM LIVING ROOM DINING ROOM STUDY ǠVE BEDROOMS TWO WITH en suite facilities and family BˬTHROOM 0NE OF THE PRIME FEˬTURES OF THIS STUNNING PROPERTY IS THE LˬNDSCˬPED REˬR GˬRDEN WHICH IS ONE OF THE BIGGEST IN THE DEVELOPMENT ˬND HˬS BEEN PLˬNTED WITH ˬ WIDE VˬRIETY OF SHRUBS PLˬNTS ˬND TREES

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7źŞőƣőŲŧ -őƐŧ $ŷźŲƽŧƉƉ

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ŀIS BEˬUTIFUL TRˬDITIONˬL FˬMILY RESIDENCE OFFERS STUNNING PˬNORˬMIC COUNTRYSIDE VIEWS ˬND IS LOCˬTED IN ONE OF $HIGWELLmS MOST SOUGHT ˬFTER PRESTIGIOUS ROˬDS ŀE PROPERTY HˬS BEEN MˬINTˬINED TO THE HIGHEST OF STˬNDˬRDS BY THE CURRENT OWNERS ˬND OFFERS ˬ SPˬCIOUS ENTRˬNCE HˬLL CLOˬKROOM KITCHEN BREˬKFˬST ROOM UTILITY ROOM DINING ROOM SITTING ROOM ˬND DRˬWING ROOM 0N THE ǠRST ǢOOR THERE IS ˬ STUNNING MˬSTER BEDROOM SUITE WITH EN SUITE DRESSING ROOM ˬND BˬTHROOM THREE FURTHER BEDROOMS ˬND FˬMILY BˬTHROOM 7IEWING HIGHLY RECOMMENDED

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&Ɖźƭŧ )ƕƏŧƧ ɏɑɏ ɗɓɐɗ ɐɗɘɏ ƽƽƽ ƉőƽƉƕƣƧ Şƕ ƱƇ WWW FˬCEBOOK COM LˬWLORSELITE WWW TWITTER COM LˬWLORSELITE

'őƉƉƕƽ 'źŧƉŤƧ -ƕƱŲŷƭƕƐ

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4ET WITHIN THE PRESTIGIOUS 8OODCOTE GˬTED COMMUNITY THIS ELEGˬNT FˬMILY RESIDENCE HˬS BEEN RENOVˬTED TO ˬN EXCEPTIONˬLLY HIGH STˬNDˬRD BY THE CURRENT OWNERS ŀE GROUND ǢOOR OFFERS ˬ SPˬCIOUS ENTRˬNCE HˬLL "LNO #ESPOKE KITCHEN UTILITY ROOM CLOˬKROOM DINING ROOM LIVING ROOM WITH PˬTIO DOORS LEˬDING ONTO THE REˬR GˬRDEN PˬTIO FˬMILY ROOM LˬRGE STUDY ˬND INTERNˬL DOOR TO INTEGRˬL DOUBLE GˬRˬGE ŀE ǠRST ǢOOR COMPRISES OF MˬSTER BEDROOM WITH EN SUITE ˬND LˬRGE DRESSING ROOM WHICH COULD BE RECONǠGURED INTO ˬ DOUBLE BEDROOM OR ˬN ˬDJOINING NURSERY DOUBLE BEDROOM WITH EN SUITE TWO FURTHER BEDROOMS ˬND FˬMILY BˬTHROOM

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“Friends a ‘how do sk me you cop e? Well it’s probabl ’ y because of the support Ig Haven H et from ouse qu ite frankly.”

would YOU LIKE TO Ë¬DVERTISE HERE $01*&4

0' */)064& "/% &-*5& 13*/5&% "/% %*453*#65&% */ "/% "306/% :063 "3&" 'OR FURTHER INFORMË¬TION PLEË¬SE CONTË¬CT +IMI &PPS ON OR EMË¬IL MË¬GS!LË¬WLORS CO UK

&Ɖźƭŧ )ƕƏŧƧ ɏɑɏ ɗɓɐɗ ɐɗɘɏ ƽƽƽ ƉőƽƉƕƣƧ Şƕ ƱƇ www.facebook.com/lawlorselite www.twitter.com/lawlorselite

(ƣƕƼŧƽƕƕŤ 1ƉőŞŧ 8ƕƕŤűƕƣŤ (ƣŧŧƐ

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We are pleased to offer this spacious ǠVE BEDROOM EXECUTIVE RESIDENCE SITUˬTED WITHIN THIS SOUGHT ˬFTER DEVELOPMENT 1ROPERTY BENEǠTS OF THIS DELIGHTFUL RESIDENCE INCLUDE ENTRˬNCE HˬLL CLOˬKROOM ǠTTED KITCHEN WITH ˬDJˬCENT UTILITY ROOM DOUBLE ˬSPECT LIVING ROOM DINING ROOM FˬMILY ROOM ǠVE BEDROOMS TWO WITH EN SUITE FˬCILITIES ˬND FˬMILY BˬTHROOM ŀE PROPERTY ˬLSO BOˬSTS ˬN ˬTTˬCHED DOUBLE GˬRˬGE WHIST THE REˬR GˬRDEN COMPRISES OF ˬ PˬTIO ˬREˬ WITH REMˬINDER LˬID TO LˬWN ˬND OFF STREET PˬRKING FOR SEVERˬL VEHICLES

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$ĹˇĆąĆŁĹ&#x17E;Ĺˇ -Ĺ&#x2018;Ć?Ĺ§ "Ĺ?ĆŁĹşĹ¤Ĺ˛Ĺ§

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We are pleased to offer this exceptional property located at the end of this private road in this semi-rural location. Ĺ&#x20AC;E PROPERTY IS SET IN IMMËŹCULËŹTE LËŹNDSCËŹPED GROUNDS OF ËŹPPROXIMËŹTELY ËŹCRES Ĺ&#x20AC;E Ç˘EXIBLE ËŹCCOMMODËŹTION COMPRISES OF STUNNING KITCHEN CLOËŹKROOM DINING ROOM Ç RST Ç˘OOR VËŹULTED SITTING ROOM WITH FËŹR REËŹCHING VIEWS OF THE SURROUNDING COUNTRYSIDE FËŹMILY ROOM CONSERVËŹTORY THREE DOUBLE BEDROOMS ËŹ SINGLE BEDROOM TWO BËŹTHROOMS GËŹMES ROOM GYM ËŹND GËŹRËŹGE

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Situated within a commanding position on the prestigious Manor Road, lies this character family residence. Ĺ&#x20AC;E PROPERTY BENEÇ TS FROM many characteristics of the period such as solid oak styling throughout and many OTHER Ç NE DETËŹILS 1ROPERTY BENEÇ TS INCLUDE KITCHEN BREËŹKFËŹST ROOM UTILITY ROOM CLOËŹKROOM STUDY DINING ROOM LIVING ROOM SEVEN BEDROOMS ËŹRRËŹNGED OVER TWO Ç˘OORS ËŹND FËŹMILY BËŹTHROOM Ĺ&#x20AC;E PROPERTY HËŹS ËŹN ËŹPPROXIMËŹTE FRONTËŹGE OF FT ËŹND OFFERS OTHER Ç NE BENEÇ TS INCLUDING SWIMMING POOL ËŹND ËŹ SPECTËŹCULËŹR LËŹNDSCËŹPED REËŹR GËŹRDEN WITH STUNNING VIEWS OVERLOOKING THE EXQUISITE $HIGWELL (OLF $LUB

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3ǃŧ )źƉƉ &ơơźƐŲ

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" DELIGHTFUL RESIDENCE SITUˬTED IN THIS DESIRˬBLE SEMI RURˬL LOCˬTION WITH PˬNORˬMIC VIEWS OF THE SURROUNDING COUNTRYSIDE ŀIS EXCEPTIONˬL (EORGIˬN residence with later additions has BEEN CONSIDERˬBLY UPDˬTED ˬND EXTENDED BY THE CURRENT VENDOR TO PROVIDE ˬ HOME OF EXCEPTIONˬL CHˬRˬCTER ˬND CHˬRM YET ˬFFORDS THE POSSIBILITY OF FURTHER ENLˬRGEMENT SUBJECT TO USUˬL PLˬNNING CONDITIONS ˬS THERE ˬRE THREE SUBSTˬNTIˬL BˬRNS WITHIN THE LˬNDSCˬPED GROUNDS INCLUDING DUCK POND 1ROPERTY BENEǠTS INCLUDE KITCHEN BREˬKFˬST ROOM CLOˬKROOM UTILITY ROOM CELLˬR THREE SPˬCIOUS RECEPTION ROOMS ǠVE BEDROOMS WITH EN SUITE TO THE MˬSTER ˬND FˬMILY BˬTHROOM

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MONTH INITIAL TIE IN

THEN ROLLING CONTRACT

FIGHT O T D E E N O N EK THERE’S E W A S E S S A L DS OF C WITH HUNDRE

IT’S GOOD TO COMPETE, A LITTLE OR A LOT. IT WORKS WONDERS AND YOU WON’T HAVE TO FIGHT FOR A PLACE IN CLASSES FROM TAI-CHI TO BODY COMBAT. GO ON, PUT ‘EM UP WITH DAVID LLOYD CHIGWELL POP INTO CLUB, CALL 0845 129 6783 OR VISIT DAVIDLLOYD.CO.UK/CHIGWELL Terms and conditions apply. Facilities, fees, classes and membership contracts vary by club. Certain activities may incur additional fees. Monthly rolling contract after a 3 month initial commitment.

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&ǂŞƉƱƧźƼŧƉǃ ɞ ź ƕƕƕ ƕƕƕ 1ƣƕơŧƣƭźŧƧ őƐŤ 0Ƽŧƣ

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