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contents
3
News / Personal Choice
4/5
Elite Homes - Bretts
6/7
Savills Private Finance
international
8/9
Chigwell
10
Repton Park
11
www.lawlors.co.uk
12/13
Loughton
14
Lawlors International
15
Michael Edmeades
16/17
Elite Homes - Badgers
18/19
Vantis plc
20/21
Woodford
22
Sofa Design
23
BB Partnership Ltd
24
Elite Homes - Warren Hall
25
Elite Homes - Ainsdale
26
Bond Lovis
27
Bang & Olufsen
28/29
Lettings
30
Urban Interiors
31
SJK Interiors Ltd
32
This months charity:
investment
Generally speaking, we believe that the prices that are being sought by our current vendors represent fair value, although there is still the opportunity to negotiate. We have found that there is a general optimism about the economy, encouraged by City Bonus payouts which inevitably flow into the property market. Vendors are sometimes keener to secure their purchase rather than wait for the last penny on their own property. As at the moment demand still outstrips supply, you will see from the following pages that we have the 'lion share' of the best properties on the market at the present time. So it really is a good time to make a move and fix that mortgage.
Excellent news was received in the last week from the developers responsible for Theydon Towers at Epping. Having acquired the property through Lawlors at the end of last year the developers have worked feverishly to supply plans to the local planning authority to convert this impressive Victorian residence into duplex and single level apartments. Planning permission was granted in August and work has started in readiness for early release. We are now taking details from prospective purchasers for priority when the properties are released. The accommodation will include one large property over three floors and three other apartments of varying sizes and an expected prince range in excess of ÂŁ750,000. There are also further plans in progress for additional detached properties The development is set in a prime elevated location and is approached via security gates and a long drive. There is direct access to Epping Forest, fabulous accommodation and excellent views whilst still giving easy access to the station and shops. To be placed on our priority list for information please contact Gerard Houlihan at our Loughton office on 8502 5588.
Connect
On behalf of the Lawlors team we would like to congratulate Adam Capal, Lettings Manager on his marriage to Nicola. Wishing you both every Happiness for the future.
inhouse september 06
Now that the Summer Season is nearly over, we can now look forward to a swift increase in property activity despite the recent quarter percent increase in interest rates in the last month. We feel this will do little to dampen enthusiasm and we remain confident that the market will continue to be buoyant throughout the year.
In the Pipeline
WEDDING BELLS!
02
Welcome to the September edition of Inhouse, filled to the brim with the latest selection of quality homes available in the area exclusive to Lawlors Property Services.
MONKS HALL, THEYDON BOIS
This month we are particularly impressed
with some properties that we have received in the village of Abridge. This attractive location is often over-looked but given its proximity to motorway connections and its obvious 'village feel', Abridge is a delightful location. Although it lacks rail connections, it is not too far to Theydon Bois, Loughton or Grange Hill stations and, for this reason, we believe it offers excellent value. THE BYRES, ONGAR
Monks Hall:
Whilst looking at country properties we are pleased to offer a selection of unique barns which are certainly worth a mention in my personal choice. We wish to draw attention, in particular, to Monks Hall at nearby Theydon Bois which is an exquisite barn conversion with huge vaulted ceilings and gallery, state-of-theart kitchen, excellent bedroom accommodation and extensive grounds, whilst still being within walking distance of Theydon Bois shops and central line tube station. Loughton office: 8502 5588
The Byres:
A little further out, but just as desirable, is yet another stylish barn conversion. Positioned just outside the village of Ongar Chevers Hall Barn is a fine example of a quality conversion. It has four bedrooms with two en-suites, an additional family bathroom, cloakroom, spacious lounge, large dining hall and beautifully fitted kitchen/breakfast room. The property has a detached garage with ample parking in addition to the car port for two vehicles, the property is gated and forms part of a secure development and is, of course, in excellent condition. The property is available with no ongoing chain and is excellent value at £750,000. Chigwell office: 8281 0123
Hoe Lane:
Another Abridge ‘gem’ is this lovely four bedroom detached property which also boasts stunning views of surrounding farmland with a large reception separate dining room and beautifully fitted Oak kitchen/breakfast room. The property has a particularly large garden and with some external renovation this property could be transformed. At £675,000 we regard this property as extremely good value. Chigwell office: 8281 0123
HOE LANE, ABRIDGE
september 06 inhouse
03
BRETTS • ROLLS PARK • CHIGWELL PRICE GUIDE: £P.O.A. SOLE AGENT
An imposing Five Bedroom Neo-Georgian residence discretely located within private grounds in excess of six acres within the exclusive and sought-after Rolls Park. Complete with adjacent detached two bedroom annexe and additional pool house. Master Bedroom with en-suite, four further bedrooms, sitting room, dining room, panelled family room, kitchen/breakfast room, utility etc. Annexe accommodation comprises: two bedrooms, bathroom, lounge & kitchen. Additional pool house with bedroom, lounge, kitchen & bathroom. Outdoor pool, tennis court, formal gardens and extensive grounds.
For more information, please contact Gerard Houlihan on
020 8502 5588 september 06 inhouse
05
By WENDY DOCHERTY, consultant SAVILLS PRIVATE FINANCE
Autumn tends to be a fairly busy few months for the housing market. With summer holidays out of the way and the Christmas festivities still some way off, it can be the perfect opportunity to consider upping sticks and moving to a new property. The challenge over the next couple of months won’t just be finding the property of your dreams but getting the right financing. With interest rates rising in August and the possibility of a further Base Rate rise later this year, borrowers may need to consider carefully whether they opt for a variable or a fixed rate. Below, I run through the factors you may wish to consider to help you get the most suitable mortgage.
wrong – i.e. if rates move up rather than down they can still afford their mortgage – may find a tracker mortgage to be more suitable. This tracks the base rate so any cut made by the Bank of England is passed onto borrowers in full soon afterwards. So if rates move downwards over the next few months, these borrowers will benefit from lower monthly repayments. Savills Private Finance is offering a semi-exclusive base rate tracker at 0.65 per cent under Bank Base Rate for two years – please see below:
DECIDE WHETHER TO FIX There is no single best mortgage deal - the right one for you will be the one that best suits your
2yr Base Rate Tracker Mortgage Variable rate for 2 years
4.10%
Variable rate for the remainder of the term
6.74%
circumstances. If you need the security of guaranteed monthly repayments because you are on a tight budget, you may wish to consider a fixed-rate mortgage. These also suit those who believe interest rates are going to rise because they protect you from such
The overall cost for comparison is
6.4% APR
USE AN INDEPENDENT MORTGAGE BROKER Finding the right mortgage involves lots of work as there are so many different deals available from scores of lenders. Finding the most competitive deal is a time-consuming task therefore you should consider using an independent mortgage broker. Savills Private Finance (SPF) is an independent mortgage broker with access to a wide range of mortgage products. A good broker will be able to talk through what sort of loan suits your circumstances and help you choose the most suitable deal. SPF also offers semi exclusive and fully exclusive rates and products. For more information on a new mortgage or remortgaging, please contact Wendy Docherty at Savills Private Finance on 020 7715 4183 or 07968 553377.
fluctuations. An early repayment charge of 5% of the outstanding loan amount
Borrowers typically fix for two, three or five years
will be payable if you redeem your mortgage in the first 2 years
although shorter and much longer fixes are available. Make sure you don’t fix for longer than you are comfortable with i.e. a ten-year fix if there is a chance you will want to move next year, for example. Fixed-rate mortgages can have hefty early repayment charges so stick with a period that you are happy with. And remember, one of the downsides with fixed rates is that if interest rates fall, you won’t benefit.
CONSIDER A TRACKER Borrowers who don’t need the certainty of fixed monthly repayments and who can afford to be
Mortgages are available up to a maximum of 90 per cent loan-to-value and an arrangement fee of 1 per cent is payable to the lender. Trackers may be better value in the long run than discounted mortgages. This is because a discounted rate is a few percentage points below the lender’s SVR rather than the base rate, so while lenders are obliged to pass on a cut in the base rate in full if you have a base-rate tracker, they aren’t obliged to adjust their SVR accordingly. Thus a borrower on a discounted rate may miss out on the full scale of any rate cut.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. There will be a fee for mortgage advice. The precise amount will depend upon your circumstances and loan amount, we estimate that the fee will be 0.73% of the amount borrowed. The views expressed and the information contained herein is generic and does not constitute advice. Savills Private Finance Limited (SPF) is authorised and regulated by the Financial Services Authority (FSA). The FSA does not regulate buy-to-let or commercial mortgages and taxation advice. Savills Private Finance Limited, 25 Finsbury Circus, London EC2M 7EE. August 2006.
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inhouse september 06
LAWLORS
PROPERTY SERVICES
A selection of properties currently for sale in Chigwell and surrounding areas.
Meadow Way. Chigwell £1,350,000 Four Double Bedroom Detached Property with all bedrooms having fitted wardrobes with matching fitted furniture, en-suite to master bedroom, a family bathroom and guest cloakroom.
Manor Road, Chigwell £1,650,000 This Originally Built Four Bedroom-Detached Family Residence situated over looking Chigwell Golf Course The property has potential for further enhancement subject to the normal planning regulations.
Grange Crescent, Chigwell £539,995 Large Four Bedroom Detached Family Home boasting a large through lounge and dining area, has a separate TV room, downstairs bathroom and first floor family bathroom. All of the bedrooms boast fitted wardrobes offering ample storage.
Murtwell Drive, Chigwell £499,995
Morgan Way, Woodford Green £429,995
Tomswood Road, Chigwell £1,100,000
An immaculately presented Four Bedroom Family Home situated in a quiet cul-de-sac. The property boasts a large through lounge, oak fitted kitchen, large conservatory, a ground floor cloakroom, an en-suite to master bedroom and a separate family bathroom.
Four Bedroom Detached Property offering a lounge with a dining area, a separate study kitchen with a conservatory, an e-suite shower/sauna to the master bedroom and a family bathroom.
A Spacious Six Bedroom Detached property in an excellent location This property has the luxury of having a spacious lounge, a separate dining room, a kitchen with a large breakfast area and an attached garage.
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inhouse september 06
116 High Road, Chigwell, Essex, IG7 5BJ t: 020 8281 0123 f: 020 8281 0222 e: property.chigwell@lawlors.co.uk
Please call 020 8281 0123 for more information on these and many more.
Tomswood Hill, Hainault £459,995
Chigwell Rise, Chigwell £749,995
Chester Road, Chigwell £800,000
Three Bedroom Detached Property with a spacious lounge/dining room, a fully fitted integrated kitchen/breakfast room and gas central heating.
Four Double Bedroom Detached House with three bedrooms with having fitted wardrobes, two reception rooms, detached garage and off road parking.
A Five Bedroom-Detached Property in close vicinity to Chigwell's Tube Station and local amenities. The property also benefits from spectacular views over surrrounding farmland.
Glebelands, Chigwell £324,995
Tysea Hill, Stapleford Abbotts £849,995
Manor Road, Chigwell £715,000
A Three Double Bedroom Semi-Detached Property, offering spacious living accommodation. This property also boasts a southerly facing garden and off road parking.
Four/Five Bedroom Chalet-Bungalow, boasting en-suite bathroom and dressing room, southerly facing landscaped garden. The property offers a gym with steam room and additional out-buildings.
Modern Five Bedroom Detached family home located on the prestigious Manor Road. Offering spacious accommodation including two en-suites as well as a family bathroom, fully double glazed throughout and double integral garage.
Gravel Lane, Chigwell £395,000
Long Green, Chigwell £319,995
Stradbroke Drive, Chigwell
Modern Three Bedroom Detached Home with modern decor. This property benefits from having a full alarm system, seven years remaining on NHBC, seven years guarantee remaining on the double glazing.
This extended Three Bedroom Cottage is with the benefit of having a lounge, dining room, a fitted kitchen, a family room/study and a guest cloakroom to the ground floor, and with a southerly facing and secluded garden.
A Six Bedroom Spacious Detached property. Many of the vast qualities attached to this property are a spacious lounge, dining room, two guest cloakrooms, an attached double garage.
£1,999,995
september 06 inhouse
09
LAWLORS
116 High Road, Chigwell, Essex, IG7 5BJ t: 020 8281 0123 f: 020 8281 0222 e: property.chigwell@lawlors.co.uk
PROPERTY SERVICES
A selection of properties currently for sale in Repton Park
The Boulevard, Repton Park £675,000
Chapel Mews, Repton Park £399,000
Chapel Mews, Repton Park £269,995
Four Double Bedroom Townhouse, with four reception rooms, two en-suites and integral garage, no onward chain. This is truely not a property to be missed.
Situated on the prestigious Repton Park within it's own private gated area lies this Two Bedroom mews-style house. The property boasts a wealth of features including Amtico flooring, chrome handles and switches throughout.
A One Bedroom Apartment with own entrance in a Private Mews which is gated within the Repton Park development. This property benefits from a lounge, kitchen/breakfast room, and good double sized bedroom.
Repton
Park
Currently we are experiencing a high demand for sale and rental properties on Repton Park, if you would be interested in speaking to one of our negotiators and Regents Drive, Repton Park £939,995 Five Bedroom Detached residence located in a quiet private turning. Offering en-suites to two bedrooms, additional family bathroom and cloakroom/WC. There is a spacious kitchen/ breakfast room approx 24'6 x 19 and detached double garage.
arranging a free valuation please contact our Chigwell Office on
020 8281 0123.
Osbourne House, Repton Park £349,995 A Chance to acquire this stunning Two Bedroom, Ground Floor Apartment set in the prestigious Repton Park development. Offers two bathrooms, fully fitted modern kitchen and stunning views.
Kensington House, Repton Park £339,995
Regents Drive, Repton Park £695,000
Devonshire House, Repton Park £599,995
Spacious Two Bedroom First Floor Apartment set in the tranquil surrounds of Repton Park. This property benefits from having a large lounge area, en-suite to master bedroom, large kitchen with breakfast bar area and beautiful views.
A beautifully presented Four Bedroom Town House with an open aspect overlooking the pavilion in Repton Park . The property boasts two en-suites, a family bathroom, a ground floor cloakroom, a lounge and a separate dining room.
A Stunning Three Bedroom Ground Floor Apartment set in the gated development of Repton Park with acres of beautiful grounds including cricket ground and pavilion with the added benefit of The Esporta Health Club.
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inhouse september 06
LAWLORS WHERE BETTER HOMES ARE FOUND...
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LAWLORS
PROPERTY SERVICES
A selection of properties currently for sale in Loughton and surrounding areas.
Roebuck Heights, Buckhurst Hill £475,000 Two Bedroom Ground Floor Executive Apartment. Lounge/ diner, kitchen/breakfast room, master bed with en-suite, additional shower room, air con, balcony, communal landscaped gardens, video entryphone system & underground parking.
Little Plucketts Way, Buckhurst Hill £1.25m Five/Six Bedroom Detached residence set on commanding plot boasting: cloakroom/WC, lounge, family room, dining room, kitchen, breakfast room, utility room, garage, master bedroom with en-suite bathroom & dressing room/study,
Forest Heights from £250,000 to £350,000
bedroom two with en-suite shower room, family bathroom & brick carriage driveway.
We have numerous apartments available within this prestigious development with electric gates & full porterage. Offering: video security entryphone & commanding views over countryside call now for further information on what is available.
Devon Close, Buckhurst Hill £415,000
Harvest Lane, Loughton £895,000
Spring Grove, Loughton £850,000
Offered with vacant possession Three Bedroom SemiDetached property situated in a cul-de-sac, ideally located for the fashionable shopping amenities of Queens Road Lounge, dining room, kitchen, family bathroom.
Five bedroom, currently being used as a Four Bedroom executive family residence within this exclusive gated development offering security as well as porterage.
Four/Five Bedroom Detached residence situated in this very sought-after location. Lounge, family room, cloakroom/WC, kitchen, breakfast area, utility room, three en-suites, two en-suite dressing rooms, family bathroom, off-street parking & approx 130ft rear garden.
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inhouse september 06
165 High Road, Loughton, Essex, IG10 4LF t: 020 8502 5588 f: 020 8502 5802 e: property.loughton@lawlors.co.uk
Please call 020 8502 5588 for more information on these and many more.
Ollards Grove, Loughton £795,000
Thrifts Mead, Theydon Bois £527,500
Theydon Park Road, Theydon Bois £850,000
Delightful Three Bedroom character property offering: lounge, study, cloakroom WC, kitchen, dining room, master bedroom with en-suite/wet room, bedroom two with en-suite, family bathroom, swimming pool, detached garage & off-street parking.
Link-Detached Four Bedroom family residence boasting: cloakroom/WC, lounge, dining area, kitchen, study, family room, master bedroom with en-suite shower room, family bathroom, double garage & off-street parking.
Four Bedroom double-fronted Victorian house, benefiting dual aspect lounge, kitchen/breakfast room, separate utility room, cloakroom/WC, dining room, master bedroom with en-suite and family bathroom & off-street parking. Chain-Free.
Regents Place, Gt Woodcote Park £425,000
Avenue Gate, Gt Woodcote Park £699,995
London Road, Stanford Rivers £925,000
Four Bedroom Semi-Detached property. Cloakroom/WC, study/utility room, lounge, dining room, kitchen, master bedroom with en-suite shower room, family bathroom, single garage & off-street parking.
Four Bedroom Detached property. Cloakroom/WC, dining room, lounge, kitchen, TV room, master bedroom with ensuite, bedroom two with en-suite, family bathroom, offstreet parking & integral garage.
Five Bedroom Detached family home located within the Essex countryside. 90ft frontage and the plot is approximately 1/3 of an acre with three reception rooms, kitchen/breakfast room, utility room, cloakroom/WC, integral garage & two bathrooms.
The Lindens, Loughton £574,950
Scotland Road, Buckhurst Hill £699,995
Englands Lane, Loughton £340,000
Four Bedroom Detached residence - offered Chain Free boasting: lounge, dining room, utility room, cloakroom/WC, kitchen, double garage, master bedroom with en-suite shower room & off-street parking.
Five Bedroom family residence offering: lounge, dining room, kitchen, breakfast area, playroom/office, lobby area, cloakroom/WC, garage, two family bathrooms & off-street parking.
Four Bedroom Semi-Detached residence with dining/family room, cloakroom/WC, kitchen/breakfast room, lounge, master bedroom with en-suite, bedroom three with ensuite, family bathroom, integral garage & off-street parking.
september 06 inhouse
13
International City, Dubai Phase III apartments
ÂŁ49,500
BUY TO LET OPPORTUNITY An unrivalled opportunity to buy a fully furnished, air conditioned apartment with allocated parking with a guaranteed rental yield of 10% per annum gross for the first three years. For just a 30% deposit (70% mortgage available) with nothing more to pay until completion, you will own an apartment in cosmopolitan Dubai and benefit from capital appreciation while the property is rented and managed. Lawlors Property Services have partnered with The Property Platform, to offer this exclusive development at International City.
YOUR FUTURE. YOUR CHOICE. PLEASE CONTACT SAM LIBORWICH AT OUR LOUGHTON OFFICE ON 020 8502 5588 OR EMAIL: PROPERTY.LOUGHTON@LAWLORS.CO.UK 14
inhouse september 06
THEYDON ROAD, THEYDON BOIS
badgers A unique, contemporary home, equipped with a vast array of modern facilities on substantial one acre plot, in spectacular, elevated position.
PRICE GUIDE: ÂŁP.O.A. SOLE AGENT Master bedroom with en-suite, three further bedrooms, three bathrooms, split-level sitting room, TV/lounge, sitting room, dining room, study, contemporary kitchen/breakfast room, utility, annexe guest suite with bathroom, leisure complex with indoor swimming pool and games room, triple garage (inc. gymnasium, gated environment.
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inhouse september 06
For more information, please contact our Loughton office on
020 8502 5588 september 06 inhouse
17
Some of your financial questions answered… DAVID KIRKWOOD OF LOCAL ACCOUNTANTS, TAX AND BUSINESS ADVISERS VANTIS, COMMENTS ON SOME OF OUR READERS FINANCIAL QUERIES. Here at Vantis, we’ve been pleased at the response received following publication of our articles over the last few months. Financial issues come in a wide variety of shapes and sizes. However, for most people the single largest investment they will make in their life is their home. So for this issue we’ve mainly focused on readers questions relating to this.
Capital gains tax on second properties? QUESTION ONE
ANSWER:
“My husband and I bought a property in Scotland in November 2001 and for just over 3 years it was used as a holiday self catering unit until February 2005. I moved into the property in March 2005 and my husband followed in November 2005. It is now our main residence. If we sell the property will we be liable for Capital Gains Tax on the profit? Our original main residence was in Essex which we have owned for 18 years. We lived there for 17 years and have let it out since November 2005. If we sell the property in Scotland we would return to Essex. If this became our main residence again would we be liable for Capital Gains Tax when we sell it?”
• On the basis that your house in Essex was your and your husband’s principal place of residence up to February 2005, that property should be exempt from Capital Gains Tax for that period.
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inhouse september 06
• From February 2005 to November 2005 you and your husband had two residences available to you. You can elect before February 2007 for whichever of those two residences you wish to be regarded as your main (tax exempt) residence for that period. As husband and wife, you must elect jointly. Clearly the property which is likely to provide the most favourable financial position will determine your choice of election.
Vantis - QUESTIONS & ANSWERS
QUESTION ONE ANSWER CONTINUED...
• From November 2005 the Scottish property should be exempt as your main residence.
Inheritance tax on gifts to children? QUESTION:
• When you sell the Scottish property the proportion of the gain, from November 2001 to February 2005 (or possibly November 2005), will be potentially liable to Capital Gains Tax. However, if the sale were to take place before February 2008 (November 2008), depending on residences election, exemption could also apply for part of the holiday lettings period, because the last 36 months of ownership is exempt irrespective of whether the property was occupied as your residence.
“I am 77 & my son is nearly 50. He has been offered a property for £100,000. I am ready to lend him this sum, but not gift it to him as I have two other children who will share in my Estate and all subsequent income derived from my invested funds. Am I obliged to charge my son interest on this loan at market rates or otherwise could he be accused of having a pecuniary interest and hit by inheritance tax problems.”
• If the disposal is at a later date, the last 36 months of ownership will continue to attract its exemption, but the resultant period of letting, which will show a potential gain may also be sheltered from a tax charge.
ANSWER:
• Where a property which qualifies for exemption as one's main residence is let, the proportion of the gain attributable to the period(s) of letting is exempt to the extent that gain does not exceed the amount of the "main residence exemption" or £40,000 per owner (ie £80,000 for husband and wife) whichever is the lower. • If after selling the Scottish property you returned to the Essex property as your main residence, the exemption for that property should resume. Your absence from the Essex property is intended to be a period of letting as well. Therefore the gain attributable to that period could also be exempt, subject to the same points set out above for the letting exemption.
• You are able to make a loan to your son on interest free terms that should not have any tax consequences for you or your son. • The absence of interest on the loan should not give you or your son any inheritance tax problems unless you were to occupy the property and not pay a full rent for the use of it. • It is recommended that the loan is made, say, repayable on demand or on after a notice period of, perhaps, six-months, in order to protect your other children's position if the loan is still outstanding at your death.
• The proportion of the gain relating to a period of ownership is usually calculated on a straight-line basis of period over total ownership.
Do you have a financial query for our experts? QUESTION TWO “I am moving back to my property that was rented out for 4 years as my husband and I are separating. I need to sell as I am re-locating abroad. Will I be eligible to pay Capital Gains Tax if I sell within 3 months?”
ANSWER: • You suggest the property was occupied as your main residence for a period prior to its being let. If this is the case your period of re-occupation should be exempt, as should that earlier period of occupation. The last 36 months of ownership should be exempt but there is a period, during which the property was rented out, which is not covered by the exemptions for main residence. It should still be exempt however because of the letting exemption available, as detailed in the answer to question 1 above (although in theory the gain could exceed the maximum amount). • If this were to happen and the liability is significant you may wish to consider deferring the sale of the property until you have left the UK to settle aboard because non-UK residents, who do not become resident again in the UK within five years, are not normally liable to Capital Gains Tax on sales of UK property. • The exemption from Capital Gains Tax for a main residence applies to one property at any one time. A husband and wife living together can only have one such property. Until you separate from your husband, you will have to take account of the property he occupies. If your husband still has an interest in the property he may continue to be entitled to the main residence exemption on his share of the property if, under the financial settlement between you, he disposes of his interest to you, and up to that time he has not elected for another property to be his main residence.
If you have a question on any aspect of your finances that you would like to see featured in future issues of Inhouse, then do please get in touch. All you need to do is send a typed copy of your question, either by e-mail to sue.price@vantisplc.com with “Inhouse Readers Questions” in the subject line, or by post to: Inhouse Readers Questions, c/o David Kirkwood, Vantis, Crown House, 151 High Road, Loughton, Essex, IG10 4LG. Unfortunately we can't publish answers to all the questions that we receive. To increase your chances of being picked, please take care to write your question in simple, clear English and to include any facts and figures that you feel will help us fully understand the situation. Alternatively, for a more personal answer to your question, contact David Kirkwood directly.
Vantis has a vibrant local office in Loughton, with a team of experts who know the area and its businesses well. Vantis is the thirteenth largest firm of accountants, tax and business advisers in the UK and has the specialist skills to advise on all aspects of taxation.
Call David Kirkwood at Vantis in Loughton, on
020 8502 0411 www.vantisplc.com/loughton
Previous Vantis articles can be read on-line at www.lawlors.co.uk/publications.asp The content of this document is intended for general guidance only and, where relevant, represents our understanding of current law and HM Revenue and Customs practice. Action should not be taken without seeking professional advice. No responsibility for loss by any person acting or refraining from action as a result of the material in this document can be accepted and we cannot assume legal liability for any errors or omissions this document may contain. © Vantis, SEPTEMBER 2006. All rights reserved. Vantis Group Ltd, a Vantis plc group company, is regulated by the Institute of Chartered Accountants in England and Wales for a range of investment business activities.
september 06 inhouse
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LAWLORS
PROPERTY SERVICES
A selection of properties currently for sale in Woodford Green and surrounding areas.
Monkhams Lane, Woodford Green £835,000 Victorian four bedroom detached family residence with two bonus rooms located on the second floor. Benefiting from two receptions, kitchen/breakfast room, downstairs cloakroom and en-suite to master bedroom.
SUNSET AVENUE, WOODFORD GREEN £960,000 Situated in Sunset Avenue is the Fabulously Presented Detached Four Bedroom Colonial Style Residence with uninterrupted views across Woodford Golf Course. The current owner has spared no expense to make this a truly unique home with many
Queens Road, Buckhurst Hill £795,995
exquisite features and has been finished to a very high standard.
Offered to market is the Victorian Five bedroom detached residence benefiting from Three receptions plus kitchen and conservatory, ground floor and first floor cloakroom, family bathroom, off street parking.
Worcester Cres, Woodford Green £765,000
Monkhams Lane, Woodford Green £740,000
Harts Grove, Woodford Green £700,000
The property benefits from four bedrooms, through lounge, kitchen, first floor family bathroom and further bathroom downstairs, kitchen, garage, rear garden and carriage driveway.
Offered to market is this character Four Double Bedroom property located on the ever popular Monkhams Estate, the property has in our opinion a good sized front for off street parking with garage.
Benefiting from four bedrooms, two receptions, study, kitchen, down stairs cloakroom, family bathroom and en-suite to master bedroom, double garage with power and lighting, off street parking and rear garden.
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inhouse september 06
457 High Road Woodford Green, Essex, IG8 0XE t: 020 8506 0828 f: 020 8506 9101 e: property.woodford@lawlors.co.uk
Please call 020 8506 0828 for more information on these and many more.
Newlands Road, Woodford Green £699,999
Monkhams Lane, Woodford Green £575,000
Bentley Way, Woodford Green £545,000
An opportunity to purchase this executive family residence which benefits from four bedrooms all with en-suite's, off street parking, garage and rear garden backing onto local forest.
Circa 1870 Four Bedroom Terrace family property boasting spacious accommodation over three floors. Situated on the ever-sought after Monkhams Estate, immediate viewing is encouraged to avoid disappointment.
Offered for sale is this four bedroom detached residence, located in a quite cul de sac. Benefiting from lounge/diner and kitchen/breakfast room, family bathroom, off street parking, garage and rear garden.
Sky Peals Road, Woodford Green £560,000
Montalt Road, Woodford Green £399,995
Clementine Walk, Woodford Green £280,000
A delightful four bedroom end of terrace family home which offers an abundance of rooms and space for the whole family to enjoy in one of Woodford Greens secret treasures
Semi Detached Three Bedroom Residence the benefits include, two receptions, family bathroom, rear garden, kitchen and extended garage, which is currently being used as utility room and playroom, off street parking.
An impressive Two Double Bedroom First Floor Apartment benefiting from a separate dressing area and en-suite shower room to master bedroom. This apartment has a balcony overlooking the communal gardens.
Buckhurst Gate, Buckhurst Hill £325,000
Lords Bushes, Woodford Green £275,000
Clementine Walk, Woodford Green £234,995
Immaculate newly-built Two Bedroom, Second Floor Luxury Apartment, set within a secure gated development and offering good size living accommodation. An exceptional and contemporary apartment within walking distance of Queens Rd.
Well presented three bedroom second floor property. Benefiting from mezzanine level from lounge to second bedroom, dressing area, balcony, kitchen, family bathroom, allocated parking and communal garden.
Offered to the market is this modern spacious One Bedroom, Two Bathroom Apartment with the benefit of having balcony access from both bedroom and lounge plus secure underground parking.
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LAWLORS • ELITE HOMES •
WARREN HALL MANSIONS, LOUGHTON PRICE GUIDE: £1.3M
Ground floor wing of this delightful converted mansion. Set in approx eight acres of tranquil landscaped grounds with un-obstructed views overlooking Epping Forest. Luxury fitted kitchen, conservatory, drawing room, dining room, master bedroom with en-suite bathroom, further double bedroom, shower room, own private garden in addition to communal grounds & garage.
For more information, please contact our Loughton office on
020 8502 5588
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inhouse september 06
AINSDALE HIGH ROAD, CHIGWELL PRICE GUIDE: ÂŁ1.65M A substantial Detached character residence on magnificent 100 ft frontage with 260 depth overlooking Chigwell Golf Course. Four bedrooms, bathroom, dining hall, lounge, morning room, kitchen, annexe with lounge bedroom, kitchenand double carport. Substantial scope for re-development, subject to planning consent.
For more information, please contact our Chigwell office on
020 8281 0123
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LAWLORS • LETTINGS •
A selection of properties available to let in West Essex and the surrounding areas.
Trotwood, Chigwell £700 pcm
The Broadway, Debden £700 pcm
Peterson Court, Loughton £800 pcm
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AVAILABLE NOW - FURNISHED Two Bedrooms Second floor apartment Close to Grange Hill central line station
AVAILABLE NOW - UNFURNISHED Two Bedrooms Convenient for Debden Central line station
**SHORT TERM RENTAL** AVAILABLE NOW Two Bedrooms, First floor flat New kitchen & bathroom Garage
JUST REDUCED Hetton House, Loughton £1000 pcm
Central Court, Chigwell £995 pcm
Shorepoint, Buckhurst Gate £1250 pcm
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AVAILABLE NOW - FURNISHED OR UNFURNISHED Two Bedrooms Two Bathrooms Close to Loughton Station
AVAILABLE NOW - FULLY FURNISHED Two Bedrooms, Two Bathrooms Gated Development Sheltered allocated parking
AVAILABLE NOW - UNFURNISHED 2 Bedrooms, Master with en-suite shower room Open plan Lounge/Kitchen Reserved underground parking
JUST REDUCED Cardinal Drive, Hainault £1200 pcm
The Manor, Repton Park, Chigwell £2000 pcm
The Manor, Repton Park, Chigwell £2000 pcm
• AVAILABLE SOON - FURNISHED OR UNFURNISHED • Four Bedroom End of Terrace House • Conservatory • Off Street Parking
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inhouse september 06
AVAILABLE NOW - FURNISHED OR UNFURNISHED Two Bedrooms, Two Bathrooms Master with en-suite • Gated development Allocated Parking
AVAILABLE NOW - FURNISHED OR UNFURNISHED Two Bedrooms, Two Bathrooms Master with en-suite • Stunning Setting Gated development • Allocated Parking
165 High Road, Loughton, Essex, IG10 4LF t: 020 8502 3388 f: 020 8502 5802 e: property.loughton@lawlors.co.uk
Please call 020 8502 3388 for more information on these and many more.
LATEST
LETTINGS Rowland Crescent, Chigwell • • • • •
Lancaster Drive, Loughton £2000 pcm
The Lindens, Loughton £2200 pcm
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AVAILABLE 15TH SEPTEMBER - UNFURNISHED Five Bedrooms • En-suite to Master Bedroom Double Garage Garden
AVAILABLE NOW - UNFURNISHED Four Bedrooms • Two reception rooms En-suite to master bedroom Double garage & off street parking
AVAILABLE NOW - UNFURNISHED Three Bedrooms Spacious accommodation Garage & Off street parking Close to Grange Hill Station
JUST REDUCED
£950 pcm
Bracken Drive, Chigwell • • • •
AVAILABLE NOW - FURNISHED Two bedrooms Garage and car port Semi detached bungalow
£1200 pcm The Manor, Repton Park, Chigwell • AVAILABLE NOW FURNISHED OR UNFURNISHED • Two Bedrooms, Two Bathrooms • Master with en-suite • Stunning Setting • Gated development • Allocated Parking
£2000 pcm The Lindens, Loughton The Manor, Repton Park, Chigwell £3500 pcm
The Fountains, Gt Woodcote Park £3500 pcm
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AVAILABLE NOW - FURN OR UNFURN PENTHOUSE Four Bedrooms, two with En-Suites Family Bathroom • Two Balconies Allocated Parking, Gated Development
AVAILABLE NOW - UNFURNISHED Five Bedrooms, two with en-suite Shower Rooms Three reception Rooms • Double Garage Spacious and Beautifully presented accommodation
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AVAILABLE NOW - UNFURNISHED Four Bedrooms Two reception rooms En-suite to master bedroom Double garage & off street parking Executive detached property
£2200 pcm Broodstrood, Loughton • AVAILABLE NOW - UNFURNISHED 6 MONTH RENTAL ONLY • Three Large Bedrooms, all with En-Suites • Large Family Room • Indoor AND outdoor Heated Swiiming Pools • Indoor Jacuzzi, Landscaped Gardens • Two integral Garages
£2500 pcm Manor Road, Chigwell New Forest Lane, Chigwell £3500 pcm
Manor Road, Chigwell £4300 pcm
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AVAILABLE 28TH AUGUST - UNFURNISHED Four Double Bedrooms • En-suite to Master Bedroom Spacious Lounge/Dining Room • Garage Heated Swimming Pool and outhouse
AVAILABLE NOW - FURNISHED Five Double Bedrooms, Master with en-suite Steam Room Shower • Stunning Tropical Gardens Garage/Gym, Garden House
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AVAILABLE NOW - FURNISHED Five Double Bedrooms, Master with en-suite Steam Room Shower Stunning Tropical Gardens Garage/Gym, Garden House
£4300 pcm
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YOUR BATHROOM GONE DOWN THE DRAIN? Appealing, captivating design is fundamental to every bathroom.
Urban Interior offers a full design and fitting service to suit its
At Urban Interior we showcase the work of the world’s finest and
clients needs. Using advanced computer aided design software
well renowned designers. With these stunning designs, and our
and our great expertise, we can walk you through all the aspects
exclusive stone products, we offer clients not only stimulation, but
of designing a new bathroom, allowing you to visualize your
exclusivity, style and innovation. With strong relations with many
bathroom before you buy it.
of today’s leading designers including Philippe Starck, Antonio Citterio, Alberto Alessi, and Phoenix Product Design, we offer a vast range of products to give each bathroom character, personifying that of its owner.
Thinking of washing your hands of your old bathroom? Make sure to contact Urban Interior for the very best in stylish contemporary bathrooms where you can be sure that the designs you see, will be anything but ordinary.
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inhouse september 06
YOU MAY NOT HAVE HEARD OF APHASIA BUT YOU PROBABLY KNOW SOMEONE WHO HAS IT APHASIA is a long-term neurological condition that disables more than 20,000 adults annually in the UK. Aphasia can be caused by head injury or tumour, but it is most often caused by stroke. Aphasia affects people of all ages from all walks of life, populations and backgrounds. ‘How can I tell you what it’s like?’ says Sue Guy. ‘I couldn’t write, or read, I couldn’t ask the time. I couldn’t remember or say the children’s names. I couldn’t work, I couldn’t read the newspapers. I couldn’t convey that I was sad, tired, angry, ill… I wasn’t deaf or blind but I couldn’t communicate. I thought I was mad. Coming to Connect. For me it was the day when I began to get better.’
1 IN 200 ADULTS IN THE UK HAS APHASIA THERE ARE CURRENTLY MORE THAN 250,000 PEOPLE WITH APHASIA IN THE UK ALONE, MORE PEOPLE THAN HAVE PARKINSON’S DISEASE OR MULTIPLE SCLEROSIS
The number of people with aphasia continues to grow and we need your help so more people can reconnect to life.
Please help by: • Finding out more about aphasia and how to improve your communication skills. We publish books that can assist you. • Volunteering at Connect. We are always looking for enthusiastic people with and without aphasia to contribute to our work.
Sue Guy had her stroke in 2000. She is now a Connect Trustee.
• Supporting us through sponsorship. Right now you can sponsor the Connect Team of 40 women who are running, jogging and walking 5km to raise funds for Connect. Find out more at: www.justgiving.com/connectteam
CONNECT is a small charity working hard to improve the lives of people living with aphasia throughout the UK. In five short years we have achieved national recognition for our pioneering, innovative therapy and support systems which help people living with aphasia find new ways to communicate, regain confidence and reconnect with life.
• Make a major difference by making a donation. An annual donation of as little as £25 will enable Connect to make an immediate positive impact to the confidence, self-esteem and independence of people living with aphasia. You can donate by post or online at our website: www.ukconnect.org
EVERYONE BENEFITS FROM CLEARER COMMUNICATION – HERE’S A QUICK GUIDE TO WHAT YOU CAN DO TO HELP:
Contact us for more information about aphasia, what we do and how you can help.
• STAY CALM AND ALLOW PLENTY OF TIME
Connect
• HAVE PEN AND PAPER AT HAND
the communication disability network
• USE DRAWINGS AND DIAGRAMS
16-18 Marshalsea Road, London SE1 1HL Telephone: 020 7367 0840 Email: info@ukconnect.org
• USE PHOTOS, MAPS, ETC • EXPRESS ONE IDEA AT A TIME • ALWAYS CONFIRM YES OR NO
www.ukconnect.org LAWLORS PROPERTY SERVICES ARE PLEASED TO DONATE THIS PAGE EVERY MONTH TO LOCAL REGISTERED CHARITIES. TO BE PLACED ON ROTA, PLEASE CONTACT SARAH DENT ON 0208 502 5588.