produced by Lawlors Property Services
produced by: Lawlors Property Services
inhouse Dear Home Owner Welcome to the second edition of inhouse, and may we firstly extend a big welcome to new readers and a thank you to all those people who responded so favourably to our magazine. All of our offices have reported a substantial immediate reaction to inhouse which has resulted in a significant number of direct sales and an abundance of new instructions. We are committed to providing an exceptional service, both in our estate agency at Lawlors Property Services and in our publishing of inhouse, the first serious property magazine to invite local property related businesses to share their professional advice with us. We have more great articles from local experts giving you the inside story on how to get the best out of your move. This month we have features on tax planning when buying overseas from Vantis Accountants, and in-depth articles from Laderman & Co Solicitors advising us of the best way to set up a company, special features on exclusive homes, plus a new homes section. Enjoy your read and tell your friends about us.
Sandra & James Lawlor F.N.A.E.A. Sandra Lawlor
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James Lawlor
inhouse
contents 2
welcome
3
property update
4-5
manor road, chigwell
6
property analysis
7
D.J. Higgins - new homes
8-9
elite residential homes
10-11
elite residential homes
12-13
Ruskin Camway - new home
14-15
elite residential homes
16-17
Laderman & Co -your business
18-19
Vantis - buying property abroad
20-21
elite residential homes
22
letting residential homes
23
lawlors recruitment
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contact details
newinstructions&reviews FOREST LANE, CHIGWELL Cloakroom/WC Master bedroom with dressing area & bathroom Lounge Dining room Pool house & changing areas Utility room Gymnasium Study Double attached garage. G
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WAS £1.6M, NOW £1.45M ROSEBURY SQUARE, REPTON PARK Dining room Conservatory Cloakroom/WC Family bathroom Utility area En-suite bathroom Family room Bedroom2withbathroom Kitchen/breakfast area Single garage
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NEW INSTRUCTION AT £675,000 GREAT WOODCOTE PARK, LOUGHTON G G G G
4 Bedrooms 3 Receptions En Suite Facilities Double Detached Garage
WAS £685,000, NOW £650,000 PARK HILL, LOUGHTON G G G G
4 Bedrooms Integral Garage Open Plan Lounge Great Location
NEW INSTRUCTION AT £525,000
Lawlors Property Services
news
The announcement of a third term with the Labour Government brings confirmation that the introduction of the home information pack is now a certainty. The home information pack was passed in the House of Commons last year and will become effective within 18 months.
CAMPION GARDENS, WOODFORD GREEN G G G G
4 Bedrooms 4Reception Rooms En-Suite Facilities Double Garage
WAS £680,000, NOW £650,000 GROSVENOR GARDENS, WOODFORD GREEN G G G G
3 Bedrooms 2 Receptions Annexe Attached Garage
NEW INSTRUCTION AT £499,995
professionalcontributors If you have a property related business and wish to join our team of expert contributors, bringing genuine advice and opinion to our inhouse public, then contact James Lawlor on 020 8502 5588, or by email at james@lawlors.co.uk.
LAWLORS PROPERTY SERVICES
In future issues we will bring a more detailed analysis of what this means to buyers and sellers, but in brief terms it means that before a property can be brought to the market a detailed package of information will have to be created and provided by the seller. The intention of the home information pack is to tackle the lengthy delays often experienced in the house moving process. Debate is still raging throughout the industry as to how this enormous task will be undertaken and who will foot the bill. There are trials being conducted throughout the country and, of course, we at Lawlors are closely monitoring the system and will be introducing our own version of the home information pack in due course. We will keep you posted!
To The Manor Born The essential country house in Manor Road, Chigwell.
Feature by: James Lawlor
F.N.A.E.A.
W
hat makes a property truly desirable? How many attributes must it have to be regarded as the best? Everybody has a different idea of what makes a property perfect. If one were to draw up an imaginary list of desirable attributes such as a) fantastic views, b) convenient location, c) multiple bedrooms and lots of reception rooms, d) large garden, e) high quality dĂŠcor etc., then you suddenly find that there are very few homes that really fit all this criteria. However, somewhere very close to the top of the list must come Cedars, Manor Road, Chigwell.
“a home in Millionaires Row“ For many years Manor Road, Chigwell has been regarded as millionaires row as all the properties offer something exceptional and worthy of our aspirations. Cedars is one such outstanding home nestling between two other fine homes yet somehow exuding a sense of superiority. The present owners have chosen to modernise and refine the property inside and out, thus retaining
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Elite Homes
much of the character that gives the property its unique appeal. With land at such a premium in the area and many new buyers settling for larger homes on smaller plots, it is indeed a rarity to find such a fine home set on a massive 116ft frontage. To have the advantage of an elevated view of the prestigious Chigwell Golf Course and a massive frontage is yet another endorsement of this stylish home. Offering seven bedrooms and two staircases the property positively demands family occupation, especially if they take advantage of the snooker room with panoramic views over the Golf Course (bedroom seven). Perhaps neighbouring world snooker champion, Ronnie O’Sullivan, could be persuaded to play a frame or two with the new owners!
“stylish rooms with a golf course view“ On the ground floor Cedars offers a variety of well planned reception rooms allowing ample space for all. The highly polished floors to the lounge open to the grand panelled reception hall and dining room, offering many options for entertaining. Yet the well
planned kitchen and breakfast room still offer superb garden and Golf Course views. A snug family room and additional study complete the living accommodation. A further possibility available to the property is the potential for a substantial loft conversation which, subject to planning consent, would allow even further accommodation and would take advantage of the spectacular views to be had over the gardens and Golf Course beyond. Our clients are now down-sizing and the property is ready for immediate occupation. There is no doubt that the new owners will have the benefit of a wonderful property in Chigwell’s premier location.
£P.O.A. Please contact our Chigwell office on 020 8281 0123.
may/june 05 inhouse
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Feature - Property Analysis
There is no such thing as a tough market - just tough negotiations! The successful agent must have empathy with all parties and an ability to inspire confidence in the guidance that is being offered. Now that the Election is out of the way, our attention can now turn to the serious business of selling houses. We are now in prime marketing time and anyone who is serious about selling this year, 2005, must ensure their property is being marketed correctly.
“buyer confidence in the balance“ As things stand at the moment, buyer confidence is very much in the balance and prices are being cautiously reviewed by most vendors. The deciding factor between whether a property will sell or not may well come down to the skill of the negotiator handling your sale. The estate agency industry is full of people at various levels of competence, but this market is for the strictly professional agent. It is no longer simply a matter of booking an appointment and giving a vendor a value he wants to hear. The successful agent must have empathy with all parties and an ability to inspire confidence in the guidance that is being offered. I believe that there is no such thing as a ‘bad market’. Every market condition is capable of being managed and even when confidence is low it is our job as professional estate agents to broker a successful deal to the satisfaction of all concerned. The recent success in the ratings of the TV series The Apprentice illustrates that to be the best in your profession you have to offer something either unique or substantially better than your competitor.
“our buyers are in the best position“ There is no question that the amount of property available in our local area is higher than in previous years at this time, but rather than an over-supply we prefer to take the view that there is an abundance of choice. Many of our clients have anticipated the mood of the market and, with our help, have established extremely competitive prices to reflect the new mood. One of our priorities is to ensure that our buyers are in the best buying position before they view and the result is that we have maintained a steady flow of sales despite difficult market conditions. At Lawlors Property
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Services we constantly find innovative ways of making sales happen and at the risk of showing some of our competitors a few of our skills, we are happy to share some of our innovative ideas to help you sell your home quicker.
“a flexible approach to selling“ We have recently been successful in selling property in excess of £2m because our client vendor was prepared to take a flexible approach to selling his home. After a serious of negotiations a deal was struck for the price of the property and to facilitate the sale the vendor agreed to purchase the buyers’ own property, thus effectively closing the chain and allowing the deal to proceed swifter than waiting for yet another buyer at the end of the chain. We have now taken instructions to re-sell the part-exchanged property and this has allowed our client to move swiftly and with a substantial amount of equity for him to pursue his purchase elsewhere. This is a very simple procedure but an extremely effective method of securing a sale.
Another option is to allow the completion date of your sale to be substantially extended once contracts have been exchanged. This can often allow a purchaser more time to sell an existing property or arrange bridging finance if appropriate. It may also be worth asking your solicitor if you can have the use of your purchaser’s deposit on exchange of contracts towards your own purchase, or indeed negotiate a lesser deposit on exchange of contracts. These are only a few suggestions which, with professional guidance and expert negotiations, can make your move a lot smoother.
If you have point of view that you wish to share with us at Lawlors Property Services, you can contact James Lawlor directly at james@lawlors.co.uk or alternatively telephone 0208 502 5588.
LAWLORS PROPERTY SERVICES
Residential Homes
LAWLORS PROPERTY SERVICES
LITTLE PLUCKETS WAY, BUCKHURST HILL £P.O.A.
GREAT WOODCOTE PARK, LOUGHTON £895,000
This immaculate Tudor style residence has landscaped grounds extending to approximately 3/4 acre (unchecked). Property includes: play room, sitting room, family room, double cloaks cupboard, dining room, ground floor WC, kitchen/conservatory, utility room, laundry room, five bedrooms to the first floor, two with en-suite shower rooms and the master with an en-suite bath and dressing room, first floor separate WC and a family bathroom, bedroom six with en-suite bathroom and bedroom seven/storage room to the loft conversion, attached garage, off street parking, purpose built garden room/gymnasium.
Offered to the market is this most exceptional detached property on 'Great Woodcote Park'. The current owners have improved the specification of the property to include sumptuous accommodation and have gained planning permission for an imaginative loft conversion. Property benefits include: dining room, lounge, downstairs cloakroom, study, family room, kitchen, utility room, master bedroom with en-suite bathroom & en-suite dressing room/bedroom three, bedroom two with en-suite shower room, two further bedrooms, family bathroom, off street parking, integral double garage, front & rear gardens.
ALDERTON HILL, LOUGHTON £1.25m An opportunity to acquire this 1930's five bedroom property set in one of the premier roads in Loughton, "Alderton Hill". Offering many spacious reception rooms with a wealth of character in addition to the five large bedrooms this truly is a property not to be missed. Property benefits include Cloakroom, lounge, sun lounge, dining room,TV room, kitchen, utility room, separate W.C, master bedroom, en suite dressing room, en suite bathroom, bedroom two, bedroom three, bedroom four, bedroom five, family bathroom, rear garden, swimming pool, detached double garage and carriage driveway..
t: 020 8502 5588 08
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Loughton, Chigwell and Woodford LOUGHTON OFFICE 165 High Road, Loughton, Essex, IG10 4LF t: 020 8502 5588 f: 020 8502 5802 e: property.loughton@lawlors.co.uk
Our offices are closed on Sundays but to arrange viewings, you can call the following number: 07736 234422
SPARLEAZE HILL, LOUGHTON
£1.1m
Substantially extended seven bedroom house, offering many good sized rooms and a garden in excess of 130ft. Please note the property has been the subject of an insurance claim in respect of subsidence which has resulted in the removal of certain trees, full details of this claim will be made available. Property benefits include: lounge, study, downstairs W.C, dining room, breakfast room, kitchen, utility room, porch, boiler room, master bedroom with en-suite bathroom, bedroom two with en-suite shower room, five further bedrooms, family bathroom, a bonus room which has the facilities to be turned into an ensuite., off street parking, integral garage and front & rear gardens.
all properties featured are exclusive to Lawlors
MANOR ROAD, LOUGHTON
£P.O.A
The property offers deceptive spacious accommodation. As well as the main residence, the property offers a cottage located within the grounds. In addition to your own private garden there are extensive shared grounds backing onto woodland and a communal heated outdoor swimming pool. Property benefits include: lounge, dining room, cloakroom, study, kitchen/breakfast room, utility room, master bedroom with en suite bathroom and dressing room, bedroom two with en suite bathroom and dressing area, two further bedrooms, family bathroom, cellar, one bedroom cottage within the grounds, private rear garden, communal gardens and swimming pool and a garage en bloc.
GREAT WOODCOTE PARK, LOUGHTON £1.4m Offering to the market this beautifully presented four bedroom detached home in the gated 'Great Woodcote Park' development. With a fantastic master bedroom suite comprising of dressing room and bathroom, 'Facinni' landscaped front and rear gardens, three good size reception rooms and a balcony off of the galleried landing this house promises not to remain on the market long so a viewing is strongly recommended to avoid disappointment. The property benefits include: lounge, study, cloakroom, T.V room, separate W.C, kitchen, utility room, morning room, galleried landing, master bedroom with en-suite dressing room, two bathroom, bedroom two with en-suite bathroom, two further bedrooms, two integral garages, off street parking and landscaped gardens.
www.lawlors.co.uk may/june 05 inhouse
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Residential Homes
LAWLORS PROPERTY SERVICES
ROSEBURY SQUARE, REPTON PARK
£675,000
Four bedroom 'Harrow-style' mid-terrace townhouse located on the prestigious and sought after Repton Park Development offering many fine features and spacious accommodation. Dining room, cloakroom/WC, utility area, family room, kitchen/breakfast area, conservatory, lounge, family bathroom, master bedroom with ensuite bathroom, bedroom two with en-suite bathroom, single garage & off-street parking.
BRACKEN DRIVE, CHIGWELL
£599,995
Detached Double Fronted Bungalow which has in our opinion potential for further enlargement subject to usual planning consents. Carriage driveway with parking for approximately six vehicles, sitting room, conservatory, kitchen/dining room, L-shaped master bedroom with en-suite bathroom, family bathroom with separate WC, rear garden & property frontage 56ft.
MANOR ROAD, CHIGWELL £1.95M Five Bedroom Detached executive family home boasting three en-suite bathrooms and beautifully landscaped garden with heated swimming pool. Set back from Manor Road and being un-overlooked the property offers seclusion as well as security from being accessed by two electronically controlled gates leading to a carriage driveway with approximate frontage of 90ft. Entrance hallway, cloakroom/WC, sitting room, dining room, kitchen/breakfast room, utility area, inner lobby area, second cloakroom/WC, TV room, conservatory, lounge, conservatory.
t: 020 8281 0123 10
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Loughton, Chigwell and Woodford CHIGWELL OFFICE 116 High Road, Chigwell, Essex, IG7 5BJ t: 020 8281 0123 f: 020 8281 0222 e: property.chigwell@lawlors.co.uk
Our offices are closed on Sundays but to arrange viewings, you can call the following number: 07736 234422
HAZEL LANE, THE AVENUE
£545,000
Five Bedroom 'New Build' residence situated in The Avenue, Repton Park and benefiting from numerous further upgrades throughout. The property also offers the facility for parking for numerous vehicles on this gated development. Due to the design features specific to this home, our vendor client is also prepared to sell the property on a furnished basis. Offered Chain Free. Cloakroom/WC, lounge, study, kitchen/breakfast room, utility room, master bedroom with en-suite shower room, family bathroom, shower room, off-street parking for numerous vehicle.
all properties featured are exclusive to Lawlors
LYNDHURST RISE, CHIGWELL
£525,000
Four Bedroom Semi-Detached Tudor-style family residence situated in Lyndhurst Rise just off Chigwell Park Drive. The rear garden is fully secluded therefore this is an ideal property as it is within a short stroll of Brook Parade shopping facilities and Chigwell Central Line Tube Station. Cloakroom/WC, lounge, dining area, kitchen/breakfast room, TV/family room, utility room, family bathroom, off-street parking, landscaped rear garden & single garage.
FOREST LANE, CHIGWELL £1.45M Five Bedroom Detached residence on Forest Lane, backing Chigwell Golf Course and is being offered chain-free. The property offers well appointed living accommodation as well as an indoor heated swimming pool and gymnasium, we strongly advise an internal inspection at your earliest convenience to avoid missing this opportunity. Cloakroom/WC, lounge, dining room, utility room, study, master bedroom with en-suite dressing area & en-suite bathroom, family bathroom, pool house, gymnasium, 'His' & 'Hers' changing areas, boiler room, swimming pool, carriage driveway with offstreet parking & double attached garaging.
www.lawlors.co.uk may/june 05 inhouse
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Residential Homes
LAWLORS PROPERTY SERVICES
GLENGAL ROAD, WOODFORD GREEN
£699,995
Offered to the market is this commanding five bedroom detached Edwardian residence which has undergone complete refurbishment since being purchased by the current owner. The property offers three reception rooms, large kitchen/diner, utility room and cloakroom to the ground floor with five bedrooms and contemporary bathroom to the first floor. To fully appreciate the accomodation on offer we would strongly recommend an internal inspection.
GROSVENOR GARDENS WOODFORD GREEN
£420,000
Situated within easy access to all of Woodford Greens local amenities including schools, travel links and shopping facilities is this five bedroom semi detached family residence offered with no onward chain. The property benefits from five well appointed bedrooms, two reception rooms and two separate W.C's as well as a good sized rear garden and integral garage.
BUCKHURST WAY, BUCKHURST HILL
THE HOLLOW, WOODFORD GREEN
£645,000
A stunning four bedroom Spanish Hacienda style detached family home which is situated in a pleasant and sought after cul de sac within easy reach of Woodford golf course. The property has been recently refurbished to a very high standard and benefits include a modern fitted kitchen and breakfast room, sitting room and separate dining room, office/studio, master bedroom with en-suite bathroom, double width garage and off street parking.
FOREST VIEW, CHINGFORD £415,000
GASCOIGNE GARDENS
A beautifully maintained luxury Two bedroom first floor apartment which benefits from occupying the entire floor and offers stunning views over Chingford Golf Course and is in close proximity of Chingford mainline station and local shops. The apartment benefits from good accommodation throughout and under floor heating with the master bedroom offering a modern En-suite bathroom and sitting room allows access to a private balcony, with views over the Chingford Golf Course.
Offered to the market is this beautifully maintained three bedroom 1930's semi-detached property which offers a wealth of features throughout and a modern generous kitchen breakfast room with dining area and separate utility room, there is also a private mature south facing rear garden with its own access out to the forest land. Property benefits include, sitting room, kitchen/dining room, utility room, study, master Bedroom, two further bedrooms, luxury family bathroom, private south facing rear garden 50ft approximately, off street parking.
£319,995
We are delighted to offer onto the market this fabulous three bedroom end of terrace property on Buckhurst Way. The current vendors have spared no expense in installing the most up to date kitchen, bathroom and inset plasma TV with built in quadraphonic cinema sound in the lounge.
PALMERTON ROAD, BUCKHURST HILL
£325,000
Situated in the heart of Buckhurst Hill is this delightful three bedroom apartment within easy access to Buckhurst Hills fashionable eateries and boutiques. The apartment is located to the second floor and benefits include three good sized bedrooms including en suite to the master bedroom, a bright and airy lounge with stunning views across Buckhurst Hills sky line with a well proportioned dining room and kitchen. Additional benefits include off street parking and garage en bloc.
t: 020 8506 0828 14
MONKHAMS LANE, WOODFORD GREEN
inhouse may/june 05
£545,000
Lawlors property services are pleased to offer for sale this deceptively spacious four bedroom semi detached family residence situated along the sought after turning of Monkhams Lane. The property benefits from a good size lounge and second reception room with a well appointed and newly fitted kitchen / diner. There are three bedrooms to the first floor with a further bedroom and separate seating area to the second floor.
£349,995
THE WATER GARDEN WOODFORD GREEN
£299,995
Situated in the prestigious Harts Grove development we are delighted to offer with no onward chain this two bedroom apartment within The Water Garden. The property offers good sized living accommodation is within easy access to local shops and travel links including Woodford central line station.
HIGH ROAD, WOODFORD GREEN
£540,000
Set back from Woodford High Road resides this spectacular three bedroom Victorian residence which has been completely refurbished by the current owners. The property has undergone extensive redevelopment and the vendors have spared no expense in creating a property that embraces both the period traditions of a Victorian Cottage as well as up to the minute features including a high tech kitchen, 'smart' lighting an exquisite bathroom suite and air conditioning to master bedroom.
Loughton, Chigwell and Woodford WOODFORD OFFICE 457 High Road, Woodford Green, Essex, IG8 0XE t: 020 8506 0828 f: 020 8506 9101 e: property.woodford@lawlors.co.uk
all properties featured are exclusive to Lawlors
Our offices are closed on Sundays but to arrange viewings, you can call the following number: 07736 234422
MONKHAMS AVENUE, WOODFORD GREEN
£725,000
Situated on the ever popular Monkhams Estate is this fabulous five bedroom detached residence within easy access to Woodford central line station and local amenities. The accommodation is arranged over three floors with each room well appointed and of a generous size. Property benefits include a large 'L' shaped lounge/diner, fitted kitchen with separate utility room and guest cloakroom to the ground floor, the first floor offers three bedrooms and family bathroom with en suite to the master bedroom. The second floor offers a further two bedrooms and second bathroom.
SKY PEALS ROAD WOODFORD GREEN
£385,000
BRANCEPETH GARDENS, BUCKHURST HILL £449,000
Offered to the market as the vendors favoured agent is this delightful three bedroom semi detached Victorian residence steeped in character yet with contemporary styling. The property offers good sized well appointed living accommodation with no expense having been spared to create a sleek living environment within this period property. Benefits include a generous sized lounge with separate dining room, fitted kitchen with granite work surfaces and modern appliances, lean to/conservatory and three double bedrooms with contemporary bathroom to the first and second floor.
HIGH ROAD, WOODFORD GREEN
A Three Bedroom Detached property situated in this peaceful cul-de-sac just off Whitehall Lane, Buckhurst Hill. The property in our opinion has scope for further enlargement (subject to the usual planning consents) and benefits from two reception rooms, three double bedrooms, attached garage and off street parking. Benefits include: sitting room, dining room, fitted kitchen, master bedroom, two further bedrooms, family bathroom, rear garden approximately 40ft x 35ft, single garage, off street parking.
£237,500
ELM GROVE, WOODFORD GREEN £365,000
FULLERS AVENUE WOODFORD GREEN
Offered to the market is this newly refurbished three bedroom town house situated within easy access to shops and local amenities. The accommodation is spread over three floors with a bedroom, cloakroom and integral garage to the ground floor. To the first floor there is an open plan lounge and kitchen diner with a further two double bedrooms and bathroom to the second floor.
Situated within easy access of Woodford Green's amenities, we offer to the market this beautifully presented traditional Victorian semi detached property. With three bedrooms, one with en suite, kitchen / diner and generous reception room, this home retains many of its original character features and we would advise an internal inspection as soon as possible.
Presenting to the market this Edwardian four bedroom semi detached family home within access to local schools and travel links. The property offers a wealth of original features and property benefits include three reception rooms, ground floor cloakroom, four bedrooms and offer street parking.
CLEMATIS GARDENS, WOODFORD GREEN £329,995
SUNSET AVENUE, WOODFORD GREEN
An opportunity has arisen to purchase a property on the ever popular Harts Grove Estate and Lawlors Property Services are delighted to offer it onto the market as the vendor's sole agents. Meticulously maintained and improved upon by the current owners and offering lounge, kitchen/diner, conservatory, two bedrooms with an en suite to the master bedroom, attached garage and rear garden, this is a property of exceptional quality. We would strongly recommend an internal inspection as soon as possible to avoid disappointment.
Offered to the market is this lovely two double bedroom apartment set within Parkmore Close, surrounded by beautiful communal gardens and overlooking Woodford golf course. The apartment has been meticulously maintained to a high standard by the current owners, it is a light and airy property with modern and tasteful decor throughout. To fully appreciate the size of this apartment we would strongly recommended an internal inspection.
£249,995
£425,000
THE WATER GARDENS WOODFORD GREEN
£359,995
Offered to the market is this immaculately presented three bedroom luxury apartment in the sought after development of The Water Garden. The apartment is located on the second floor but with the advantage of a communal lift makes the apartment fully accessible to all potential purchasers. Property benefits include a spacious lounge with double aspect windows and balcony overlooking woodland, fitted kitchen, three well proportioned bedrooms with en suite to the master bedroom and finally the advantage of a garage and off street parking.
WORCESTER CRESCENT, WOODFORD GREEN £495,000
Residing on one of Woodford Green's most sought after locations, we are delighted to offer this well presented three bedroom semi detached family home. The property offers two reception rooms, fitted kitchen and morning room to the ground floor with three bedrooms on of which has a additional room off which would make an ideal en suite (subject to planning consent) to the first floor. With internal garage and a pleasant rear garden this truly is a property not to be missed and we would strongly recommend an internal appointment to appreciated the accommodation on offer.
www.lawlors.co.uk may/june 05 inhouse
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Feature - Business
YOUR BUSINESS: CHOOSING YOUR COMPANY VEHICLE If you are thinking about setting up a business in the UK it can be a very daunting prospect. There is a minefield of rules and regulations to understand and comply with. For most of us the first question to decide is what type of trading vehicle will best suit the business we want to operate. Robert Laderman is a senior partner at Laderman & Co, Solicitors. His firm specialises in the area of corporate transactions.
“in the UK there are three main options“ In layman terms, in the UK, there are 3 main options open to you, namely to trade as a sole trader or in partnership or as a company. A sole trader operates alone, is liable for all debts, owns the business assets and makes all business decisions. Normally a sole trader will be running a small business. A general partnership requires 2 or more people. The partners are liable for all debts jointly and severally (put simply, this means that if the partnership cannot meet its debts, all of the partners will be responsible for those debts without limit). Decision making is shared and partnership assets are shared. Acts carried out by one partner will legally bind the other partners. “In an ideal world all partners will have a partnership deed. The deed will evidence, for instance, who the partners are and their roles and interests. It will also specify how they share profits and losses, how they will deal with liabilities and how the partnership is to be run. It will include provisions for, say, the frequency of partnership meetings, voting rules and procedures, whether outside interests are allowed, holiday arrangements, sickness provisions. It will then go on to define what constitutes partnership property, the name of it’s bankers, accountants, car and holiday entitlement as well as sickness provisions , rules for bringing in new partners, rules for exiting a partnership and rules to resolve disputes etc….
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As every business is different each partnership agreement will be different.
“Partnership is like a marriage“ Partnership is like a marriage. The parties will often spend more time with each other than they might do with their spouse or life partner. Their financial and legal relationship can be more intricate and complicated than any relationship that they have at home. The issues arising out of a partnership bust up or a partner’s death can be terribly expensive to resolve, messier and even more acrimonious than a bitterly contested divorce. A properly drafted partnership deed can help resolve such issues. A properly drafted deed can even prevent partners from falling out simply because their entitlements and responsibilities are clearly set out in writing. Existing partnerships, by agreement with all the partners can, still enter into a written agreement and should take advice. Every partnership should have a properly written partnership agreement.
I am dismayed at the number of clients, who don’t have written partnership agreements. When they start in business they are often viewed as unnecessary and expensive and given a low priority. Bank managers, financial advisers and accountants should place more emphasis on the importance of a written partnership agreement. How many partners now choke on remembering previously uttered phrases, like, “we‘re best/good friends or “we understand/trust each other “or “we know what we mean between us.”? However well intentioned those words, the lack of a written partnership agreement can cause not only extreme grief and anxiety to them and their families but financial loss.” Over the years most professions and many businesses have chosen to closely huddle together in partnership, (encouraged by various professional bodies) rather than use any other form of trading entity. The main statutory provisions and the principal legislation relating to a partnership are contained in the Partnership Act 1890. Increasingly however large professional partnerships are finding the need to embrace a corporate structure to meet a number of their needs. This
“REMEMBER YOUR BUSINESS IS OUR BUSINESS”
You must establish what best suits the needs of your business. To do so you must take proper advice. You can, in the future, change vehicles if you consider it appropriate. Your adviser should discuss such important issues as:• The risk of unlimited liability. • Establishment costs and ongoing yearly costs • Employment Law
might be in the form of an LLP (limited liability partnership) or involving a corporate partner (where a limited company is a partner). It is interesting to contrast a company with a partnership. There are two types of limited liability company, namely private and public. A company is run by its directors and owned by its shareholders (who can be the same). The company will own the assets and individuals may take part in the management of the company by being appointed directors. They may each then take an individual equity stake in the company by subscribing for the shares. In general a company director will not be liable for company losses unless he or she has entered into a personal guarantee, is guilty of fraudulent and or wrongful trading, failed to maintain and file company records, acted whilst disqualified or is in breach of a warranty of authority. If a company is insolvent i.e. can’t pay its debts and is wound up, a director’s employment comes to an end and any money invested in shares will be lost. Assets will be realised to pay debts. A public company is usually recognized by the abbreviation “PLC” whereas a private company will be recognised by the word “Limited” or “Ltd”. Public companies can apply to be listed on a Stock
Exchange, offer shares to the public and raise capital from the public.
• Taxation and national insurance
According to statistics limited liability companies are the most popular form of trading vehicle in the UK.
• Insurance
• VAT
• Licenses
Setting up a limited company or buying an off the shelf company is relatively easy and inexpensive however compliance with rules and regulations relating to the operation of a limited company can be expensive time consuming and complex. “Company law is often bewildering for small companies, their directors and advisers. For instance, directors are now subject to a plethora of duties many of which have been imposed, over the years, by the courts. This means, that it is often very difficult for directors to understand their duties let alone comply with them. Recognising this, the government published in 2002, a White Paper, “Modernising Company Law” and the recommendations which followed are likely to result in legislation in the next Parliament. This new legislation is likely to be aimed at small limited companies and amongst other things, clearly codify directors duties.”
• Requirements of professional bodies • Companies Acts / Business Names Act 1985 disclosure requirements • Marketing • EU compliance • Public perception • Need for corporate structure • Shareholder agreements”
“My firm can help identify problems (hopefully before they occur) and help put in hand measures to prevent them. In addition to advising on the structure of your business my firm may also be able to advise you in the following areas:• Your leasehold or freehold business premises • Help you negotiate finance
So how will we know whether to trade as a sole trader or in partnership or as a company ?
• Taxation advice and help you appoint Accountants
Unfortunately it’s not simply a question of jumping into any old vehicle and driving off.
• Insurance • Trading terms and conditions • Licensing
Laderman & Co of 4 The Shrubberies George Lane South Woodford London E18 1BD have been in business for over 20 years. The firm specialises in all property commercial and business matters, wills probate and tax planning. For a free initial business consultation or to obtain our free partnership checklist (limited offer subject to availability) please contact Robert Laderman on 020 8530 7319 or by email to mail@laderman.co.uk
• Employment • Commercial contracts • Joint ventures • Franchising • Dispute resolution ”
may/june 05 inhouse
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Feature - Property
BUYING PROPERTY ABROAD - the tax efficient route
It’s widely known that many Brits own or want to own foreign property across much of Europe, especially in Spain, Portugal and France. Given the huge increases in UK property prices over the last five years, it’s not difficult to understand why. And with ten more countries having joined the EU in May 2004, an explosion of interest in property in some of the old Eastern Bloc countries is changing the profile of the typical holiday home. But buyers need to weigh up the allure of a place in the sun with the reality of the UK and foreign tax regimes. Many of our clients have either bought a holiday property or are seriously thinking about it. You may have bought a holiday home as an investment, or to let out when it’s not being used. You may plan to retire there one day, or see it as an alternative to a pension scheme. Whatever, the case, it’s worth looking into the UK and foreign tax implications of property ownership in “El Dorado”. As always, specific advice is needed for each individual set of circumstances, but this article will start to scratch the surface of the tax issues general, income, capital gains, and inheritance tax that you need to be aware of.
» Owning a holiday home through a company If you own a holiday home through a company, an income tax charge could arise in the UK if you are a director or a shadow director of the company. This tax charge, which has been upheld in the courts, can be significant – and it applies whether the property is in the UK or overseas. This can be avoided but the solution is complex, so please seek expert advice.
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Some common questions clients ask us: Q: Will I be able to buy my second (holiday) home through a SIPP in 2006? A: Pension Simplification legislation set to take effect in April 2006 will permit this. If you use this property for your own benefit then there will be a tax charge based upon that benefit. In the case of a holiday home, this would mean having to pay the market rate to stay there, or alternatively declaring it on your tax return as a form of taxable income.
Q: Will I be able to buy this second home outside the UK?
» How company money can be used to buy your holiday home You can use company money to buy a holiday home but, generally speaking, it is not advisable to hold this type of property in your trading company. Extracting the funds will give rise to income tax charges, reducing the amount you have to spend on your property. It is possible to use another “vehicle” to hold this property. This vehicle can be extremely tax-efficient but it involves complex tax planning which needs careful handling.
» Tax breaks for furnished holiday letting You can roll over Capital Gains Tax arising from the sale of business property or goodwill into a furnished holiday property, meaning that the payment of the tax is deferred. Furnished holiday lets can also qualify for what is known as Business Asset Taper Relief. What happens is that after two years of owning the property, the rate of Capital Gains Tax will be a maximum of 10% (and could be even lower). Losses arising from the letting of a UK furnished holiday property can be set against other income – thus providing tax relief (as long as the property is let on a commercial basis). When in Rome… (or Spain or Portugal or France…) - some foreign taxes (including local inheritance tax) and heirship rules. A number of taxes not currently in the UK tax system exist in many foreign jurisdictions – which can significantly increase the annual costs of foreign property ownership. These include wealth tax, and transfer taxes for both purchaser and vendor. More recently, in countries such as Portugal a further surcharge tax is levied on an annual basis where the registered owner of the property is a company located in one of a number of “blacklisted” jurisdictions, including the Channel Islands, Gibraltar and much of the Caribbean. If you own a property abroad you should consider having a foreign Will. This will be helpful in dealing with local heirship rules. If your current Will is not recognised in the country where your holiday home is situated, you could be in for a nasty shock – with your property passing to a beneficiary specified by the estate laws of that country rather than the people specified in your Will. Please seek advice about dealing with foreign taxation and local heirship rules.
Jan Rickler - Client Partner VANTIS plc 3rd Floor Crown House 151 High Road Loughton IG10 4LG Email: jan.rickler@vantisplc.com Web: www.vantisplc.com
A: According to the proposed legislation, you will, but whilst moving your property into a SIPP may be tax-free in the UK, it could be subject to tax in a foreign country. It is also likely to be quite a complex process and some SIPP providers will not be prepared to undertake this. And the fees charged by those who do offer this will be higher than those charged for UK property purchase.
Q: How do I go about setting this up in advance? A: You should start working with an Independent Financial Adviser to review your existing pension arrangements and to evaluate the pros and cons of transferring existing funds into a SIPP in advance of April 2006.
Q: Can I claim travel costs to my investment in Spain? A: If you are renting your investment property out, expenses incurred are treated in the same way as a UK business. This means that a deduction for travel expenses incurred may be given provided you are able to show that you were travelling solely for the purpose of the foreign letting and not made partly for some private purpose (for example, a long weekend away in your holiday home!).
Q: My wife and I want to invest in a block of 6 apartments abroad with another family. How can we do this in the most tax-efficient way? A: This is a complex area, and would depend of course on the country in which you invest in these apartments. We recommend getting expert advice before embarking on this.
Q: If I decide to reside abroad, how do I keep a residential investment here in a tax efficient manner? A: Again, this depends on the jurisdiction of where you settle. But irrespective of where you go, the rental profit on your UK property will always be taxable in the UK.
As founder members of the INPACT network, Vantis has direct relationships with advisers in over 60 countries worldwide, including most of Europe. Working together with our tax experts in the UK, we have been providing workable solutions for individuals wishing to purchase a second home or new rental property in the sun. In the meantime, if you need advice closer to home, please contact Jan Rickler in our Loughton office on 020 8502 0411.
This article represents our understanding of current law and Inland Revenue practice. Levels, bases of and relief from taxation are those currently applying – and they are subject to change.
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Residential Homes
LAWLORS PROPERTY SERVICES
CHESTER ROAD, CHIGWELL
£795,000
Four bedroom property which is located in one of Chigwell's most popular turnings offering four bedrooms with three en suites and beautiful elevated views from the rear garden over the rolling valleys. Cloakroom/WC, family room, lounge, TV room, kitchen/breakfast room, utility room, master bedroom with en suite bathroom, bedroom two with en suite shower room & access to bedroom four, bedroom three with en suite shower room, single garage, carriage driveway, off street parking & landscaped rear garden.
TOMSWOOD ROAD, CHIGWELL
£795,000
Four bedroom detached family home situated on the ever-popular Tomswood Road, Chigwell. This particular property has an en suite shower room and fitted wardrobes to the master bedroom and on the ground floor there is a wellappointed lounge, TV/family room and kitchen/breakfast room. To the rear of the property there is a 120ft laid to lawn garden and to the front there is a carriage driveway. cloakroom/WC, utility room, lobby area, sitting room, dining room, master bedroom with en suite shower room, family bathroom, off street parking.
BRACKEN DRIVE, CHIGWELL
£725,000
Four bedroom detached chalet-bungalow situated in Bracken Drive which lies just off Stradbroke Drive, Chigwell. This generous home has a 28'3 x 15'11 lounge and must be viewed to fully appreciate the accommodation on offer. Lounge, dining room, sitting room, kitchen/breakfast room, master bedroom with en suite shower room, family bathroom, second bathroom, single garage, carriage driveway & off street parking.
MANOR ROAD, LAMBOURNE END £499,995
CLAREMONT PLACE, CHIGWELL £499,995
ELY PLACE, WOODFORD GREEN £459,950
DEACON WAY, WOODFORD GREEN £429,995
Deceptively spacious Detached Two/Three Bedroom Bungalow with panoramic views over Greenbelt land and access to Hainault Forest Country Park. Offering an extensive rear garden with possible development potential (subject to normal planning consents), this truly is a property not to be missed and we would strongly urge viewing at the earliest convenience to appreciate this unique property. Lounge, bedroom three/utility room, dining room, kitchen, family bathroom, rear garden measuring in excess of 126ft, single garage & off-street parking.
Two/three bedroom, first floor modern apartment in this purpose-built development which has captured the attention of the local community with its contemporary design and excellent location in the heart of Chigwell. Cloakroom/WC, bedroom three with en suite bathroom, lounge, kitchen, master bedroom with en suite bathroom.
Four Bedroom Detached residence situated in this pleasant cul-de-sac offering spacious, good-sized accommodation and we highly recommend an immediate viewing of this property to avoid any disappointment. The property is close to local amenities of Chigwell, Woodford Bridge and Grange Hill as well as Central Line Tube Stations. Cloakroom/WC, lounge, dining room, kitchen, utility room, master bedroom with en-suite shower room, rear garden, off-street parking & single garage.
Four Bedroom Detached residence situated in a culde-sac within reach of Woodford Central Line Tube Station, local shopping amenities and West Hatch High School. The property backs onto an open field which is part of Repton Park. Lounge, dining room, fitted kitchen, utility room, cloakroom/WC, master bedroom with en-suite bathroom, family bathroom, rear garden & single garage.
LEE GROVE, CHIGWELL
£699,995
Situated just off Chigwell Rise in this cul-de-sac location on Lee Grove lies this Four Bedroom Detached family home. Offering extensive ground floor accommodation, approx 90ft rear garden and carriage driveway and being within walking distance of Brooke Parade shopping amenities and Central Line Tube Station. Cloakroom/WC, lounge, kitchen/diner, TV/family room, utility room, reception room, converted garage/study, master bedroom with en-suite, family bathroom, approx 90ft rear garden & carriage driveway.
BARTON FRIARS, BARTON CLOSE, CHIGWELL £699,995 Unique Three/Four Bedroom Mews Property set within Barton Friars which is ideally situated on the Courtlands Estate, Chigwell. This particular property affords a private setting in peaceful surrounds. Lounge, cloakroom/WC, dining room, utility room, kitchen, master bedroom with en-suite dressing room & with ensuite bathroom, family bathroom, single garage, allocated parking & rear garden.
t: 020 8281 0123 20
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STATION ROAD, CHIGWELL
£675,000
Four bedroom detached family home situated within a short stroll from Brook Parade shopping facilities and overlooking the playing fields. All four bedrooms have fitted wardrobes, the property is double glazed and there is a 52ft in width rear landscaped garden with waterfall and pond feature. Detached garaging completes this family home which should be viewed immediately. Lounge, dining room, kitchen/breakfast room, utility room, cloakroom/WC, master bedroom with en suite, family bathroom & off street parking.
Loughton, Chigwell and Woodford
all properties featured are exclusive to Lawlors
HILL HALL, THEYDON MOUNT
£595,000
Hill Hall is set within 20 acres of grounds (to be confirmed) comprising of parkland, gardens and water features. It stands in an elevated position just south of Epping. This is a must see for the discerning buyer. Property benefits include: kitchen/dining room, drawing room with adjacent study area, master bedroom with en suite bathroom, two further bedrooms, use of communal grounds, lakes and tennis courts.
PALMERSTON ROAD BUCKHURST HILL
£199,995
Offering to the market this two bedroom top floor flat which is offered with no onward chain. The property benefits from being conveniently located for Queens Road shopping facilities in addition to Buckhurst Hill central line. Property benefits include two bedrooms, lounge, kitchen, family bathroom and garage en-bloc.
WEST VIEW, LOUGHTON
HAZELWOOD, LOUGHTON
£540,000
Set in one of Loughton's more desirable locations off of Upper Park we have pleasure in offering to the market this immaculately presented, contemporary style five/six bedroom property. Viewings are highly recommended to fully appreciate the size and decor of the property. Property benefits include kitchen, L-Shaped lounge/diner, master bedroom, en suite shower room, en suite dressing room, bedroom two, en suite shower room, bedroom three, bedroom four, bedroom five, bedroom six/dressing room, rear garden and integral garage.
GREAT WOODCOTE PARK, LOUGHTON
BROOKLYN AVENUE, LOUGHTON
£395,995
WITHAM CLOSE, LOUGHTON £289,995
An opportunity to purchase this immaculately presented end of terrace family residence set within one of Loughton's most prestigious developments, "Great Woodcote Park". Offering four good sized bedrooms all with fitted wardrobes and an en suite shower room to the master. The property also benefits from an integral garage and off street parking for two cars. Property benefits include: lounge, kitchen, downstairs WC, conservatory, master bedroom with en-suite shower room, three further bedrooms, family bathroom, a rear garden, an integral garage and off street parking.
Lawlors property services are delighted to be offering for rent this 3 bedroom town house which is ideally located within close proximity to Loughton and all its amenities. The property is in good internal order and we recommend an immediate internal viewing. The property is offered part furnished and available from the 14th may 2005. Property benefits include: Three Bedrooms, Family Bathroom and further W/C, Lounge/Diner, Kitchen, Utility Room, Garden, Garage and Off Street Parking.
£675,000
Lawlors Property Services have pleasure in offering on to the market this four bedroom family residence set in one of Loughtons more desirable cul de sacs. Property benefits include sitting room, downstairs cloakroom, kitchen, utility room, dining room, lounge, master bedroom with en-suite bathroom, bedroom two, bedroom three, bedroom four, family bathroom, rear and side gardens, off street parking and integral garage.
SPRING GROVE, LOUGHTON
£650,000
An opportunity to purchase this four bedroom detached executive residence situated within this prestigious location i n south Loughton. The property has been excellently maintained by the current vendors and is offered with no onward chain. As it is rare for properties in this location to come onto the open market we strongly recommend an immediate internal viewing. The current vendors have obtained planning permission to extend the property. Plans available upon request. Property benefits include: sitting room, dining room, cloakroom, study, kitchen, utility room, master bedroom with ensuite bathroom, bedroom two, bedroom three, bedroom four, family bathroom, carriage driveway, off street parking, integral garage and a rear garden.
£449,000
An opportunity to purchase this three bedroom detached property with attached one bedroom annexe. Situated within this sought after location and within easy access of the shopping facilities of the High Road and the Central line with its access to the City and the West End. The property offers flexible accommodation as the annexe could be amalgamated into the main residence. Property benefits include: kitchen, lounge, dining room, three bedrooms, family bathroom, rear garden and off street parking.
PUMP HILL, LOUGHTON
£750,000
An opportunity to purchase this delightful family residence situated within this prestigious location with superb views overlooking Loughton and on to London beyond. This family residence is ideally located for access to Epping Forest and the shopping facilities of the High Road. Strictly viewing by appointment. Property benefits include: kitchen, dining room, cloakroom, study, garden room, sitting room ('L' shaped), master bedroom with en suite, three further bedrooms, family bathroom, rear garden, garage and off street parking.
HAZELWOOD, LOUGHTON
£615,000
Lawlors Property Services are offering to the market this four bedroom link-detached property. The property has been well maintained and is boasting some fine internal features as well as an outdoor heated swimming pool. Viewings are highly recommended to fully appreciate the size and decor of the property. Property benefits include, lounge, office, dining Room, conservatory, kitchen, utility room, cinema room, study/garage, master bedroom, en suite bathroom, bedroom two, bedroom three, bedroom four, family bathroom, off street parking and heated swimming pool.
t: 020 8502 5588 may/june 05 inhouse
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Residential Homes
LAWLORS LETTING SERVICES
HIGH ROAD, LOUGHTON £500 pcm An opportunity to rent this Studio apartment which has just undergone a refurbishment programme situated above our offices in the High Road. The property is ideally located for access to the Central Line and the shopping facilities of the High Road. The property is offered unfurnished from the 14th May for an initial period of six months. Benefits include: kitchen, living area and bathroom.
PALMERSTON ROAD, BUCKHURST HILL £775 pcm Lawlors Property Services are pleased to offer this two bedroom apartment centrally located for access to the West End and within easy reach of the shopping facilities of Queens Road. The property is available from the 14th of March.
BRIAR CLOSE, BUCKHURST HILL £900pcm
PALMERSTON ROAD, BUCKHURST HILL
Offered to the market is this three bedroom end of terrace property located within easy access to Buckhurst Hill central line station and fashionable boutiques and eateries. The property is available for immediate occupancy and we would strongly recommend an early inspection to avoid disappointment. Property benefits include a thro lounge, two double bedrooms and a further single bedroom.
We are delighted to offer for rent this two bedroom well presented, fully furnished apartment. Located within close proximity to Buckhurst Hill central line station and Queens road the property is ready to move into immediately. Property benefits include: kitchen, sitting room/dining room, two bedrooms, bathroom, garage en bloc, communal grounds and allocated parking.
RETREAT WAY, CHIGWELL £950 pcm Offered onto the market is this newly built Two Bedroom, Ground Floor apartment. The apartment is available with immediate effect on an un-furnished basis. The property benefits: en-suite to master bedroom, allocated parking, vide entryphone system and spacious living accommodation.
HEMNALL STREET, EPPING £1000pcm £925pcm
A delightful two bedroom apartment situated within this recently constructed purpose built gated development. The apartment is available with immediate effect on and unfurnished basis. The property is ideally located for access to the Central Line with its transport link to the City and the West End and the Shopping facilities of the High Street. Property benefits include: fitted kitchen, lounge/dining room, two bedrooms, family bathroom, gated development and communal parking
BUCKHURST WAY, BUCKHURST HILL
£1300 pcm
Lawlors are pleased to offer for rental this spacious three bedroom end of terrace property with a stunning landscaped garden situated in Buckhurst Hill within easy access to local shops, amenities and is walking distance to the Central Line. The property can be rented unfurnished or part furnished and is in very good decorative order and an internal viewing is highly recommended.
t: 020 8502 5588 22
inhouse may/june 05
LECHMERE AVENUE, WOODFORD GREEN £900 pcm Delightful ground floor newly refurbished 2/3 bed flat comprising of newly fitted kitchen neutral decor and 2 reception rooms and 2 bedrooms allowing for flexible 2 bedroom living or as a 3 bed 1 reception flat. very close to supermarket and a ten minute walk to South Woodford tube.
CHURCH HILL, LOUGHTON £1200 pcm Recently decorated three bedroom property with a small garden and in a good location for all local amenities. Also comes with separate garage and offstreet parking. Available from the 10th June. The property can be located by proceeding from the Loughton Office through the High Road in the direction of Epping, this leads into Church Hill where the property can be found on the right hand side.
HIGH ROAD, CHIGWELL
£2500 PCM
Three Bedroom, Three Bathroom Basement Apartment benefiting from unusually good natural light and spacious accommodation throughout. This well-appointed and prestigious property offers excellent living accommodation with three double bedrooms to match all of which contain their own independent en-suite bathrooms. Stunning manicured communal gardens of approx six acres access to which is gained via security video entryphone system and secure gates which are remote operated. This Apartment is ideally situated in the heart of Chigwell within half a mile of Chigwell Central Line Station and Brook Parade shopping amenities.
Do you have what it takes to be an exceptional member of the Lawlors team? As a result of a substantial increase in activity at all of our offices, we are looking to expand our staff requirements.
LAWLORS
If you are over 21 years old and hold a current, clean driving licence and have a genuine desire to succeed, you are eligible to apply. Although experience in the industry is preferred, we are prepared to consider ‘fresh-start’ positions. In the first instance, please log on to our website www.lawlors.co.uk click on recruitment, and complete the application form which goes direct to the partners.
LAWLORS PROPERTY SERVICES
may/june 05 inhouse
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LOUGHTON OFFICE
CHIGWELL OFFICE
WOODFORD OFFICE
165 High Road, Loughton, Essex, IG10 4LF t: 020 8502 5588 f: 020 8502 5802 e: property.loughton@lawlors.co.uk
116 High Road, Chigwell, Essex, IG7 5BJ t: 020 8281 0123 f: 020 8281 0222 e: property.chigwell@lawlors.co.uk
457 High Road, Woodford Green, Essex, IG8 0XE t: 020 8506 0828 f: 020 8506 9101 e: property.woodford@lawlors.co.uk
w w w. lawlors.co.uk
LAWLORS PROPERTY SERVICES