Homeseeker 4 December by DCMedia

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04.12.2014

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erty Prop of the

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When buying or selling a home, shop around to reduce bills P3

Find a place to rent in our lettings section P16

Iain Christie of Bradleys talks about the impact rising interest rates have on the property market P2

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The Herald, Thursday December 4 2014

news

Interest rate impact Devonport’s getting ready to light up for Christmas PLYMOUTH residents are invited to watch the Devonport night light up on Saturday, December 6, when the spectacular Christmas lights switch-on takes place at Redrow’s Vision development. Visitors will be welcomed to the Marketing Suite in the centre of Vision from 4.30-7pm, when they will be treated to complimentary mince pies, cupcakes, traditional Polish treats and hot apple cider to get into the Christmas spirit. The main Christmas lights switch-on is scheduled for 5.30pm and includes a fully-decorated tree and light projections. For people keen to find out more about the homes on offer at Vision, Redrow’s team of sales consultants will be on hand to answer any questions about the wide range of houses and apartments available. House hunters will be able to explore the two-bedroom View apartment, as well as the three-bedroom Fawn and four-bedroom Glentham showhomes. All of the homes combine modern design with high-quality finishes and appliances, which are perfect for chic, city living. The show homes also include an en-suite to the master bedroom. Annie Williams, area sales manager for Redrow in the West Country, said: “It has been a fantastic year for everyone at Vision, with the community strengthening and plenty of new residents moving in – whether that’s firsttime buyers, young families or professionals. “This event is an excellent opportunity for everyone to come together and celebrate under the twinkle of the festive lights. “Also, for those thinking about moving in the New Year, this evening will be a great way to meet current residents and to find out if Vision could be for you.” Vision offers a wide range of two-, three- and fourbedroom properties and one- and two-bedroom apartments, available from just £132,995. For further information, visit www.redrow.co.uk/vision or call the sales team on 01752 656100.

Get in touch...

■ Matthew Curtin of Fulfords

■ Iain Christie of Bradleys

Home owners could struggle to cope if interest rates were to rise. Denise O’Leary seeks some possible solutions... HOME owners are poorly prepared for the prospect of mortgage rate rises, according to research published recently. One website, www.thisismoney.co.uk, has reported that a third of people would struggle to make ends meet if interest rates rise by about two per cent, with 39 per cent of them saying it would cause financial turmoil in their household. People in the South West and Wales were reported to be the best prepared for an increase in the cost of their monthly mortgage repayments, while those in London and the South East were least likely to be able to cope. As reported in last week’s HomeSeeker, the Bank of England base rate has been at an historic all-time low of 0.5 per cent for more than five-and-a-half years, but it is widely anticipated that this will begin to change after the General Election next May. Interest rate rises are predicted to begin in small increments of a half or a quarter per cent, but even these small amounts will see home owners having to adjust their family budgets – and research suggests the majority have done little to prepare. When the base rate does rise, those with tracker mortgages will see their mortgage rates rise by the same amount, as these directly follow the Bank of England rate. Borrowers whose mortgage costs depend on their lenders’ standard variable rate will also see payments rise, as these typically are raised as the Bank hikes rates – although banks and building societies can choose how big a change they make. Those with fixed-rate home loans will not be affected as the base rate rises and will only face a change in payments when their mortgage deal ends. Chris Knapman of The Mortgage Guy at Plympton said: “Obviously, when rates start to

creep up again it is going to be a bit of a struggle for each household as every half a per cent rise adds on average about £50 a month to the cost of a mortgage. “It is natural that everybody gets concerned when there is talk of interest rate rises again, although actually just because the Bank of England base rate goes up it does not necessarily mean that mortgage interest rates will rise at the same level. “Lenders have an international market where they can shop around for their money these days and it could be that they will still be able to keep their rates at lower levels. “That said, it is widely predicted that rates will rise by around a quarter per cent in the first half of next year and by half a per cent by the end of the year. “I don’t think we will see rises of as much as two per cent for a long time after that, but everyone still needs to be prepared for some increases.” Mr Knapman pointed out that one way to be prepared is to take a look at your current mortgage arrangements and take advantage of the excellent fixed-rate deals that are on offer. At the moment the industry is very competitive, with lenders vying for business and offering excellent deals, many of which are fixed for up to five years, allowing owners to budget for the near future with confidence. He said: “Mortgage rates peaked in 2003 at 5.75 per cent and it was a very different story then. “At the moment it is possible to get some very good fixed-rate deals which are historically low at less than three per cent. “It depends on how much deposit you have but if you are already a home owner who is moving up the ladder and have as much as 25

Property editorial: 01752 293000 HomeSeeker@swmg.co.uk Andy Pyle HomeSeeker editor 01752 293134 Mike Wainwright Head of property 01752 293168 Sam Arberry Telesales executive 01752 293084

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■ Chris Knapman, the Mortgage Guy

FEELING THE STRAIN: Reports suggest a third of people would struggle to make ends meet if interest rates rise by about two per cent, with 39 per cent of them saying it would cause financial turmoil in their household

to 40 per cent deposit, you can get well under five per cent. “For those with a 25 per cent or less deposit there are also some excellent offers such as a fixed rate for two years at 1.79 per cent and one for five years at 2.75 per cent. It’s definitely worth looking at.” Matthew Curtin of Fulfords in Mutley agreed, and said: “Obviously, if mortgage rates go up significantly it is going to have a huge impact on the family budget, but we really don’t anticipate anything like that happening for a while. “In fact, at the moment the opposite is true and there are some great fixed-rate deals out there. “The brokers who work with us have exclusive deals which make it worthwhile looking at changing your mortgage to take full advantage of the offers that are out there. “I think when interest rates do start to creep upwards they will do so very gradually, so there is no need to panic, but certainly now is the time to think about getting a mortgage or reviewing the one you already have.” Iain Christie at Bradleys warned that if interest rates did rise significantly, then it would have a huge impact on the property market. He said: “It is very true that when interest rates start to rise again it will make a difference to the family budget, but they will only go up by a quarter or a half a per cent at first and I think most people will be able to live with that. “However, if rates started to go up much higher than that, then the whole market would come to a grinding halt. “At the moment the market is back to what I would call a ‘normal market’ with a great deal of activity right across the board, ranging from first-time buyer properties right up to the more expensive ones, but if there was to be a substantial interest rate rise it would slow things right down and it would be a nightmare. “That said, I think it is highly unlikely that we are going to see an interest rate rise in the near future and when rates do start to increase, I think it will happen very gradually. “The market really doesn’t need a big hike in rates. It has still not fully recovered from the last big crash. “We are not out of the woods at all and the last thing we need is a massive rise in the region of two per cent. “I would say to anyone thinking of buying a house that now is the time. Rates are good, with all the big banks and mortgage lenders offering excellent deals as they compete with one another for the business. “Now is the time to secure your finance and lock yourself into a fixed rate which you know you will be able to afford. “Winter time is traditionally a time when the property market goes a little quieter but I would say it is a great time to start looking for a house. “It’s a good, stable market but incredibly price sensitive so if your house isn’t selling, the chances are it is overpriced. “If you want to move and buy a property, now is the time to do it.”

The Herald, Thursday December 4 2014

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SShop hop aaround round tto o ccut ut ddown own oon n bbills ills by RACHEL MASKER BILLS can escalate when you move, and it pays to search for the best deals. As anyone who has ever bought a property knows, there is more to pay than just the asking price. From solicitors and surveyors to stamp duty, the bills quickly mount up. Latest figures show the average cost of moving in the UK is £8,248 and significantly more in the South West at £8,833, according to Lloyds Bank. But you can cut some costs by shopping around. Ian Johnson, senior branch manager at Fulfords in Drakes Circus, said sellers should not be afraid to negotiate fees, adding: “In Plymouth centre, there are in excess of 20 estate agents so you can shop around and get a good price.” But he warned price wasn’t everything. “Some people are going to be motivated by the financial side, but most people want to be

Visit Cavanna to take a look at new luxury homes range

reassured they will receive a good service,” he said. Whether buying or selling, you will need a solicitor or licensed conveyancer to oversee the legal side, but fees vary. The upside of an online conveyancer is the low cost, while downsides include lack of personal contact and customer service. Darren Lawson, managing director of Mansbridge Balment, admits online conveyancers can be difficult to contact, leading to delays and even sales falling through. “I refer to them as bucket-shop or battery farm operations,” he said. “They rely on volume. They have a huge number of cases and few staff. Unlike a local solicitors’ office, you can’t just pop in and sit in the reception.” On top of solicitors’ fees, you will also need to pay for searches. These are checks to identify potential problems, for example flooding in

Mortgage Best Buys For more information visit www.thisismoney.co.uk SCHEME TYPE

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the local area. You should ask for a breakdown of costs. Once you have your offer accepted, it is advisable to get a survey. The best way to cut the cost is to get quotes from at least three surveyors. Price-comparison websites, such as localsurveyorsdirect.co.uk, are often the quickest and easiest way to shop around. A homebuyer’s report costs about £200 to £400 and a full building survey about £350 to £750. If the property is newly-built, a basic homebuyer survey may suffice. However a more expensive, structural survey is recommended for older properties and those in need of renovation. If you are a seller, you are legally required to get an Energy Performance Certificate (EPC) to show the buyer. When booking your EPC, it may be possible to get a floor plan done at the same time at little extra cost.

AVAILABLE now for reservation off-plan are the latest release of luxury family homes at Cavanna Homes’ flagship 504K development at Derriford in Plymouth. Built by the five-star award-winning West Country homebuilder, the Walden and the Pickering house types both enjoy double-glazed feature windows designed to make the most of the natural light. Outside, both benefit from stone and timber-effect cladding. The Walden is a four-bedroom house with a spacious living room, a dining room, a fully-fitted kitchen, a utility room and a downstairs cloakroom on the ground floor, with double doors from the dining room leading to the rear garden. On the first floor, the master bedroom has an en-suite shower room, and there are three more bedrooms and a separate bathroom. The interior layout in the Pickering offers a downstairs study as well as a fully-fitted kitchen, a utility room and a ground-floor cloakroom. The living room has double doors leading to a dining room, with another set of double doors to the rear garden. Upstairs, bedrooms one and two have their own en-suite shower rooms, and there is a separate modern family bathroom fitted with stylish white sanitary wear. Both homes have a garage and parking space. Cavanna Homes’ 504K development is located just off Plymbridge Lane, close to the University of St Mark and St John, Derriford Hospital and Tamar Science Park. The sales office is open from Thursday to Tuesday, from 10am to 5pm, and for further information please visit www.cavannahomes.co.uk or call 01752 773187.

Here is a selection of the best mortgage deals currently available

Fixed Mortgages

Variable Mortgages

Buy-To-Let Mortgages

Fixed until 30/09/16

Fixed until 31/08/16

Fixed until 01/09/16

Base +1.99% for term

Variable rate for term

Base +1.49% for 2 years

Base +2.34% until 31/08/16

2.00% discount for 3 years

Fixed until 31/08/19

INITIAL RATE

2.49%

2.38%

2.68%

2.49%

2.29%

1.99%

2.84%

3.59%

3.99%

SUBSEQUENT RATE

3.94%

4.49%

4.79%

2.49%

2.29%

4.99%

5.69%

5.59%

5.35%

COST FOR COMPARISON (APR)

3.8%

4.2%

4.5%

2.6%

2.4%

4.9%

5.3%

5.0%

4.9%

Free Basic Valuation Free Basic Legal Work

Free Basic Legal Work

Free Basic Valuation Free Basic Legal Work

70%

65%

70%

60%

65%

60%

70%

60%

£0

£99

£0

£999

£345

£199

£1198

£1999

HELP WITH COSTS

MAX LTV LENDER FEE

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â&#x2013; THIS beautiful 1930s detached family home is situated on a secluded corner plot in the sought-after location of Parkstone Lane in Plympton, and is surrounded on three sides by delightful gardens...

rty Proopf e the

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KEY

Facts

Location: Plympton Price: ÂŁ450,000 Bedrooms: 4 Contact: 01752 345135

Perfect mix of period and modern Scan me using your smartphone for more details of this property

COMBINING period charm with modern comforts, this spacious and stylish house makes an ideal family home. Key features include four bedrooms, three receptions, uPVC double glazing, gas central heating, a double garage and glorious gardens. The elegant entrance hall sets the tone with parquet flooring; like most of the rooms, it also has picture rails. Features of the bay-fronted lounge include two porthole windows to the side and a brick fireplace with a wooden surround. The dining room also boasts parquet flooring and has fitted cupboards, while the

bay-fronted family room is similar to the main lounge and also has two porthole windows to the side. Fitted in the kitchen is a modern range of base and wall units with roll-edge work surfaces and a stainless-steel doubledrainer sink unit. Spaces are provided for a free-standing cooker and a fridge-freezer, with space and plumbing for a washing machine. There are windows on both sides and a door to the rear lobby, which houses the boiler and has double doors to the rear garden. There is also a downstairs wc.

On the first-floor landing is an airing cupboard. Both double bedrooms feature two porthole windows to the side, and one has a vanity unit with a tiled splashback. One of the two smaller bedrooms also has a hand basin with tiled splashback. In the part-tiled family bathroom is a suite comprising a hand basin and a panelled bath with a shower above. There is also a chrome heated towel rail and a loft hatch. The wc is separate. Privacy in the gardens is assured by a mature hedged boundary.

To the front of the property there are flower beds with a variety of mature shrubs and bushes and a pond. The gardens stretch around to the side and rear and are laid to lawn with trees, shrubs, a vegetable patch, a greenhouse and a garden shed. The 27ft by 10ft garage has an up-and-over door, power and light and a tap, while the driveway provides parking for up to six cars. There is also a studio / dark room with work-tops, power and light and a sink. Energy efficiency rating D57.

Plymouth Ofﬁce

01752 256000

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Plymstock Ofﬁce

01752 456000 Sales

Mount Batten - £420,000

Elburton - £380,000

Modern townhouse. Secure & gated development. Uninterrupted coastal views. Gas CH & DG. 4 Beds (1 with dressing rm & en-suite), sitting rm with balcony, large kit/diner, bathrm & separate shower rm. Large garden. 2 Juliet balconies. Parking space. Viewing Recommended .

Plymstock Office 01752 456000

EPC C-75

Large Rear

Plymstock - £325,000

EPC D-68

Elburton - £205,000

EPC D-67

Front & Rear

Hooe - £163,000

Large

Plymstock Office 01752 456000

Rear Garden

Plymouth Office 01752 256000

EPC C-71

Front & Rear

Hartley - £399,950

Plymstock Office 01752 456000

Unique & versatile 3 storey detached home. Uninterrupted river views. Gas CH & DG. 4 Bedrooms (3 en-suite), lounge/diner, fitted kitchen, breakfast room/utility, drawing/sitting room, 3 balconies & useful cellar storage. Garage & drive for 3/4 cars. Enclosed lawned gardens. No Chain.

EPC C-74

Rear Garden

Side & Rear

Peverell - £199,950

Rear

EPC E-43

Rear Garden

EPC E-49

Courtyard

EPC D-64

Front & Rear

St Judes - £84,950

Deceptively spacious ground floor apartment. Superb central location. DG. 2 Double bedrooms, sitting room, kitchen/dining room and a bathroom. Private and enclosed rear courtyard. Excellent Investment/First Time Purchase. No Chain .

Plymouth Office 01752 256000

Courtyard

Barbican - £164,950

Rear

EPC E-53

Mannamead - £197,500

New Instruction ‘Astor Court’. Well presented second floor apartment. Grade II Listed building. Splendid central location. Gas CH, secondary glazing, allocated parking space, etc. 2 Double bedrooms, well appointed bathroom & open plan sitting/dining room & modern fitted kitchen. No Chain.

EPC C-76

Semi-detached residence in need of some modernisation. Gas CH & DG. 3 Double bedrooms, sitting room, dining room, kitchen, bathroom & 2 W.C.s. Front garden. Garage & private drive. South facing rear garden. No Chain .

Plymouth Office 01752 256000

EPC D-61

Deceptively spacious residence. Many period features. Gas CH & uPVC DG. 3 Double bedrooms, sitting room, dining room, kitchen/breakfast room, bathroom & basement/play room with adjoining cloak/ w.c. Enclosed rear courtyard. No Chain.

EPC C-72

Spacious & versatile Victorian house. Fabulous waterside location with views across Plymouth Sound. Many period features. Gas CH & DG. 4 Double bedrooms, 2 receptions, kit/breakfast room, utility, roof terrace, period style bathroom, shower room & separate w.c. Enclosed courtyard. No Chain.

Plymouth Office 01752 256000

West Hoe - £315,000

Spacious detached residence. Corner site. Desirable cul-de-sac. Gas CH, DG & security system. 5 Bedrooms (master en-suite), 2 receptions, kit/breakfast room, utility, bathroom & cloak/w.c. Generous size gardens. Double garage & double width drive. No Chain .

Extremely well presented 2 bedroom corner house situated on a generous sized plot. GCH & DG. Large conservatory, lounge, modern kitchen, modern bathroom. Externally there is an enclosed garden & 1 allocated parking space.

Plymstock Office 01752 456000

EPC D-66

Staddiscombe - £145,000

New Instruction Well presented spacious 3 bedroom semi detached bungalow situated in a popular development in close proximity to the picturesque coastlines of Jennycliff and Mount Batten. Lounge/ diner, modern fitted kitchen, modern shower room, low maintenance garden & allocated parking.

Beautifully presented 3 bedroom end of terraced family home situated on the fringes of Plymstock. Gas CH & DG. Lounge, dining room, modern fitted kitchen, modern bathroom. Low maintenance front & rear garden.

Plymstock Office 01752 456000

Staddiscombe - £165,000

New Instruction Semi detached family home situated in a popular cul-de-sac location in the village of Elburton. GCH & DG. 3 bedrooms, lounge, modern fitted kitchen/diner, modern bathroom, downstairs w.c. Externally there is a garage, carport, driveway gardens to the front and rear. No Onward Chain.

Situated in the desirable South Hams coastal village of Down Thomas is this beautifully presented 3 bedroom end of terrace modern day cottage. Gas CH & DG. Lounge/diner, modern fitted kitchen, modern bathroom. Garage & off road parking.

Plymstock Office 01752 456000

Saltash Passage - £450,000

Deceptively spacious 3 storey detached home. Small & select cul-de-sac. Gas CH, uPVC DG, security system, etc. 6 Bedrooms (master en-suite), 2 receptions, luxury kit/breakfast room with built-in appliances, utility, study, family bathroom & cloak/w. c. Front & rear gardens. Garage & level drive.

Down Thomas - £250,000

Detached commercial property. Ground floor; shop space, workshop, office, kitchen, W.C. First Floor Flat; 3 bedrooms, lounge, modern kitchen, bathroom, separate W.C, D/G, GCH, off road parking, rear workshop, store. Annual Rental Income on workshop & flat £9600.00.

Hartley - £499,950

New Instruction Situated in a popular cul-de-sac location is this beautifully presented 4 bedroom detached executive family home. lounge, conservatory, modern kitchen/dining room, bathroom and en-suite. Gas CH & DG. Integral garage, driveway and a large rear garden.

& Lettings

EPC C-80

Plymouth Office 01752 256000

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EPC E-41

Courtyard

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Desirable property in a great location A SPACIOUS family home with quality fittings and set in a great location – that’s this desirable property in Earls Wood, Plymouth. It has five double bedrooms, three bathrooms, two reception rooms, an integrated double garage and attractive gardens with views to Plymbridge Woods. There is gas central heating and uPVC double glazing. From the reception hallway, which has solid oak flooring, stairs ascend and descend to mezzanine levels. The integral 16ft by 15ft double garage has a remote-control electric roller door, built-in shelving, power and light. In the fully-fitted utility room are spaces for a washing machine, a tumble dryer and a fridge-freezer.

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Also on this floor is a fifth double bedroom, currently fitted out as a study. Stairs from the lower mezzanine level and throughout the house have gold-plated spindles and a solid oak banister. The very spacious living room has a patio door to a balcony, oak flooring and a living flame gas fire with an oak mantel. Also on this level are a dining room and a wc. On the next level is a kitchen fitted with modern units, quality Indian granite work surfaces, a breakfast bar and a stainless-steel sink unit with a mixer tap. Equipment includes under-lighting, a double oven, a five-burner gas hob, a larder fridge and a dishwasher. The master bedroom has a walk-

in wardrobe with hanging rails and shelving, and an en-suite shower room. The family bathroom has a three-piece suite including a panelled bath, plus a shower cubicle and an airing cupboard. Two more bedrooms have fitted wardrobes and one has an ensuite shower room. To the front of the property there is driveway parking for several vehicles, while to the rear there is a wooden balcony. Steps lead down to a rockery with a fish pond, and there is a lawned area with a variety of shrubs, trees and plants. The garden also features a wooden shed, a workshop and great views to Plymbridge Woods. Energy efficiency rating B84.

Price: £400,000 Contact: 01752 668242

Bungalow boasts a covered hot tub ENJOY outdoor living in this spacious three-bedroom bungalow in Saltash: special features include a unique sit-in barbecue hut and a covered hot tub. The property in Shula Meadow sits on a level site and boasts a 26ft kitchen / diner, a good-sized lounge, a modern bathroom, uPVC double glazing and gas central heating, plus a garage with a utility area and off-road parking for several cars. The entrance porch leads to a hallway with laminate flooring and a coats cupboard. The dual-aspect kitchen / diner

has windows to the front and rear and a door to the garden. It is fitted with a matching range of wall and base units, granite work surfaces and a stainlesssteel sink with a mixer tap. Integrated appliances include a double electric oven, a four-ring electric hob and a dishwasher. The room has tiled flooring and a floor-to-ceiling wall-mounted radiator. The lounge features a multi-fuel burner, a TV point and a fitted carpet. Two of the three double bedrooms have fitted carpets and

two have fitted mirrored wardrobes. The bathroom is fitted with a modern three-piece suite including a panelled bath with a mains power shower above. There is a vanity unit and a chrome heated towel rail. The rear garden is mainly laid to lawn, plus decking with outside lights, a walk-in barbecue hut and a hot tub with a covered pergola. The garage has a remotecontrolled roller door with a utility area to the rear.

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Price: £265,000 Contact: 01752 674000

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Price: ÂŁ380,000 Contact: 01752 456000

Large garden adds to appeal of family home SITUATED in a quiet cul-de-sac in Elburton is this smart fourbedroom detached executive family home, which has undergone numerous improvements over the years. The property in Candish Drive boasts an entrance hallway with an engineered oak floor, a downstairs wc, a bay-fronted 17ft lounge with a feature fireplace, a recently-remodelled kitchen / dining room and a generous conservatory. On the first floor there are three double bedrooms, a larger-thanaverage single bedroom and a family bathroom. The 27ft kitchen / diner is fitted with a range of integrated appliances set within modern units and solid wooden work

surfaces. A door provides access to the integral garage and French doors open into the large conservatory, which overlooks the private level rear garden. The master bedroom suite includes fitted wardrobes and an en-suite shower room. An appealing feature of this property is the large, lawned garden, which is well-stocked with a variety of mature and established trees and shrubs. There is a patio pergola seating area and a sunken pond. Hidden from sight in a lower terrace there is a greenhouse and wooden storage shed with light and power. To the front of the property there is a driveway providing access to

a garage which has a remote control up-and-over door. The property is uPVC double glazed and has gas central heating. Energy efficiency rating D66.

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Five-bed abode is set over three floors THIS substantial five-bedroom terraced family home is situated in Milehouse Road, Stoke. Built circa 1907, the property is full of character and includes feature fireplaces, ornate coving and ceiling roses. Downstairs is a lounge, a dining room, a breakfast room, a wc and a kitchen with a utility area. On the first floor are four of the bedrooms, a family bathroom and a separate shower room and wc, while the second floor contains the other bedroom. The 18ft by 17ft lounge has a bay window to the front and a stunning feature Adams-style marble fireplace with cast-iron inset, hand-painted tiles and a marble guard.

Price: £335,000 Contact: 01752 211111

Wooden sliding doors lead to a good-sized dining room, which has a William Morris-style Victorian fireplace with a cast-iron inset. In the breakfast room are French doors to the side and built-in storage, together with a wall-mounted gas combi boiler. The kitchen is fitted with a matching range of wall and base units with a roll-top work surface over. Other features include an inset one-and-a-half-bowl sink with a mixer tap and single drainer, an integrated fridge and freezer and space for an electric range cooker. A handy utility room includes cupboards and a roll-top work surface. It also has plumbing for a

washing machine and space for a tumble dryer. Upstairs, the family bathroom is fitted with a spa corner bath, an inset sink and a wall-mounted heated towel rail. There is a separate low-level wc and a shower room with fitted shower. Three of the four bedrooms on the first floor have built-in storage, while the second-floor bedroom has skylights and is situated next to a good-sized landing which could make a small office. Outside, the front garden is mainly laid to lawn and the enclosed rear garden is part-decked and part laid to lawn. There is also access to the garage / workshop, which includes an inspection pit.

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Three-bed cottage in a country setting THIS character three-bedroom terraced cottage at Wilcove near Torpoint enjoys a countryside setting but has easy access to Plymouth via the Torpoint Ferry. Key features include a garage, a workshop, gardens to the front and rear, oil-fired central heating and uPVC double glazing. The property enjoys stunning uninterrupted views across an open field to the front. The porch offers partial river views and has tiled flooring. In the lounge are ceiling beams and a wood-burner set on a slate hearth with a timber mantel.

Countryside views can be enjoyed from the dining room, while the 16ft kitchen / breakfast room has two windows overlooking the rear garden. The kitchen is fitted with a range of units and a sink / drainer with a worktop and tiled splashback. Integrated appliances include a fridge and an electric oven with an LPG gas hob and a cooker hood. The fitted utility room has a butler sink and space for a washing machine. On the landing is an airing cupboard; also on the first floor are a double bedroom and family

bathroom. This is fitted with a suite including a double shower cubicle and a panelled bath. On the second floor are two more double bedrooms, both enjoying delightful views. The front garden has two wood stores, a water tap, lighting and raised plant beds. The single garage has an up-and-over door. In the rear garden are a patio, a lawn with a raised plant bed, shrub borders, a greenhouse, trellis and water tap. This garden leads to a dual-aspect workshop with power and lighting. Energy efficiency rating D61.

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Price: £270,000 Contact: 01752 813189

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Price: ÂŁ329,000 Contact: 01752 401128

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Property offers superb country and sea views ENJOY countryside and distant sea views from this beautifullymodernised detached property in Veasy Park, Wembury. A converted loft adds two extra bedrooms to the original pair, with the ground floor boasting a modern open-plan layout boosted by a conservatory. Features include gas central heating, uPVC double glazing and plenty of off-road parking. The entrance hall has a vaulted ceiling with an overhead roof-light window. Hardwood bamboo flooring continues throughout much of the ground floor, and glazed double doors open into the sitting room. Situated in the heart of the house is a 17ft by 16ft open-plan living room. Unusual features include a hardwood Venetian blind, a spiral staircase and a wall-mounted bio-fuel fire with a wooden mantel above. The separate, dual-aspect dining

room has matching hardwood blinds, a vaulted ceiling and overhead spotlighting. To the rear of the property is a 23ft by 13ft kitchen / family room / conservatory. The kitchen area is comprehensively fitted with modern units having black gloss fascias and polished silestone work surfaces. There is spotlighting throughout and an inset circular bowl sink with a matching single drainer. Quality matching integral appliances include a stainlesssteel oven and grill, a separate five-burner hob, a cooker hood, a dishwasher and a fridge, with space for a free-standing American-style fridge-freezer. There is room for a breakfast table and chairs. The conservatory / seating area has ample space and has doors to the private rear garden. The larger downstairs bedroom has laminate flooring and doors

to the garden, while the smaller has a vaulted ceiling and spotlighting. In the fitted utility room are spaces and plumbing for a washing machine and a tumble drier. Also on the ground floor are a contemporary shower room and an additional wc. There are oak internal doors throughout the ground floor. Lovely countryside and sea views can be enjoyed through the roof-light windows of the two loft bedrooms. The property is approached via a brick-paved driveway providing off-road parking. Beside the drive, the garden is laid to lawn with a chipping border. The rear garden has areas laid to lawn and decking, together with a large timber storage building and a chipping pathway. There is also a hot tub for sale by separate negotiation. Energy efficiency rating C71.

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Delightful home is ready to move into Price: £164,995 Contact: 01752 256000

THIS delightful bungalow in West Park is close to shops, parkland and bus routes to Plymouth city centre. The semi-detached property in Marina Road has uPVC double glazing, fascias, guttering and soffits, a security system and gas central heating via a quality boiler. The attractively presented and decorated bungalow is ready to move into and is being sold with no chain, with a quick completion available. Accessed from the porch and the reception hall, the sitting room has

a fireplace and French windows leading out to and overlooking the rear garden. An opening leads to a dining room and a dual-aspect kitchen. This room has been remodelled and has built-in cupboards, work surfaces and a stainless-steel sink-drainer. Integrated appliances include an oven, a hob and a matching cooker hood. There are two double bedrooms and a recently-fitted bathroom with white suite including a bath, a separate shower cubicle, a hand basin and a wc.

To the outside there is a long frontage, which has been paved for low maintenance and to create plenty of off-road parking. A shared driveway leads down the side of the property to the 26ft former garage which is now a workshop and store. To the rear there is an enclosed garden with a patio, a tap, a washing line and hand rails which lead to a raised patio and to the rear door. Energy efficiency rating D64.

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Classical features and superb views THIS detached house in Radford Road, West Hoe, is quite literally a stone’s throw from the waterfront and lies within the Hoe Conservation Area. ‘The Nook’, a spacious, double-fronted property has a traditional layout and classical features, with a 21ft sitting / dining room, a similar-sized kitchen /breakfast room, a conservatory and three bedrooms.

It also boasts the priceless asset of off-road parking for two cars. The ‘up and coming’ location is close to the redevelopment area of Millbay and within just a very short walk of The Hoe Promenade and Victorian Pleasure Gardens. The South West Coast Path is within about 30 yards and there are great walks to the east and west. The house retains many classical features including mouldings,

centre roses, cast-iron fireplaces, dado rails and a traditional balustrade. The dual-aspect sitting /dining room has two fireplaces, two centre roses, alcove cupboards and a picture rail. Double doors lead to a 15ft conservatory with a door to outside. Fitted in the triple-aspect kitchen / breakfast room are ranges of cupboards and a one-and-a-half bowl sink unit with a mixer tap. Integral appliances include a gas hob and an oven, while period features include a centre rose, a picture rail and a fireplace. There is a downstairs wc. The first-floor landing has a gallery over the stairwell, plus a loft hatch. Two of the three double bedrooms have bay windows offering oblique views of Plymouth Sound, and two bedrooms have fitted cupboards. Fitted in the family bathroom is a three-piece suite including a panelled bath with a mixer tap. There is also a separate shower room. The outside area to the rear of the property provides private parking for two vehicles. Energy efficiency rating E43.

Price: £325,000 Contact: 01752 223933

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Bungalow sits in the heart of Cornish village MIDWAY between Callington and Launceston is this immaculate bungalow in the village of Treburley. ‘Springford’, set in the Budge Meadows development, boasts four double bedrooms, a private driveway, a detached double garage and secluded rear gardens. The property has gas central heating, wood-framed double glazing and an en-suite master bedroom. The village pub is a five-minute walk away and there are regular bus services to Launceston and Callington. In the substantial porch are a tiled floor and a courtesy light, while the hallway has a loft hatch, under-stairs cupboards and controls for the burglar alarm. The very large L-shaped living / dining room has sliding doors

out onto the decked terrace, a ‘real flame’ gas fire with a marble-effect surround, a TV point and wall up-lighters. Fitted in the good-sized kitchen are modern units with a square-edge marble-effect worktop and tiled splashbacks. The single butler sink has a mixer tap. Integrated appliances include a double oven, a four-burner ceramic hob, a fridge-freezer and a dishwasher. A walkway leads into the fitted utility room, which has space and plumbing for a dishwasher or washing machine, a one-and-a-half sink-drainer with a mixer tap and a unit housing the gas combi boiler. Fitted in the bathroom is a four-piece suite including a P-shaped shower enclosure and a bidet, plus a heated towel rail.

There are two double bedrooms on the ground floor. Upstairs is another double bedroom and the master bedroom, which is almost 30ft long. It includes a walk-in wardrobe and an en-suite bathroom with a four-piece suite including a bidet and a bath with a shower above. The property is approached via a private brick-paved driveway which provides parking for several vehicles and leads to the detached double garage. To the front of the bungalow is a small lawned area with a pathway leading to the side of the property and around to the rear garden, again laid to lawn. To the side of the garage there is a small lawned area with mature trees. Energy efficiency rating D.

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Characterful house has detached barn THIS characterful family home in Carkeel, near Saltash, is set in a tucked-away position and approached over a private drive with parking for three cars. Its versatile three-bedroom accommodation is arranged over three floors. The property has seen a substantial price reduction from £295,000 to £250,000. It has gas central heating, is mostly uPVC double-glazed and is being sold with no chain. There are gardens to the rear and a detached stone-built barn with scope for development subject to consents. Saltash shops and facilities are about a mile away, and Waitrose supermarket is within easy walking distance.

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The triple-aspect entrance porch has a quarry-tiled floor and courtesy lighting, while the entrance hall has laminate flooring, wainscoting to dado height and a loft hatch. There are two downstairs bedrooms, both doubling as reception rooms. One has a cast-iron grate with tiled inserts, a slate hearth and built-in stripped wooden cupboards. The other has a wood-burning stove set on a slate-tiled hearth with a wooden mantel. Fitted in the kitchen is a range of units with a one-and-a-half bowl single-drainer sink unit, a mixer tap and tiled splashbacks. There is laminate flooring and a tongueand-groove panelled ceiling.

In the bathroom is a four-piece suite including a bath and a separate shower. It has a tiled floor, tiled splashbacks and a cupboard with slatted shelving. The conservatory opens to a store / utility area with space and plumbing for a washing machine. Upstairs is a sitting room with a feature fireplace. On the second floor is another bedroom, while the loft has a bedroom with two loft-windows and a walk-in cupboard. The gardens lie mainly to the rear and have feature ponds and lawns. At the top of the garden is a detached barn with a pathway to another garden and a gate to the road.

Price: £250,000 Contact: 01752 845488

1930s elegance with ‘wow factor’ kitchen THIS semi-detached fourbedroom family home in Eastfield Crescent, Higher Compton, is a stunning example of 1930s elegance. The stained-glass door from the entrance porch opens into a welcoming hallway with stripped floorboards, from which stairs lead past a further beautiful stained-glass window on the way to the first floor. Both the lounge and separate dining room are generous in size, the lounge having a bay window and a feature gas fire. From the dining room, French windows lead to a large tile-

floored conservatory overlooking the rear garden. The true ‘wow factor’ is provided by the 20ft dual-aspect fitted kitchen / breakfast room. This has a tiled floor and a range of black gloss units with roll-edge work surfaces, a double stainless-steel sink and a drainer with a mixer tap. Built-in appliances include a double oven and hob with an extractor hood. There are spaces and plumbing for a dishwasher and a washing machine. On the first floor landing there is a loft hatch with a pull-down

ladder. There are four bedrooms, the largest three having fitted bedroom furniture. A good-sized, fully-tiled family bathroom boasts a modern white suite including a P-shaped shower bath with a shower above, plus a heated towel rail. To the rear of the property there are two tiers of paved patio which lead up to the main garden, predominantly laid to lawn with a variety of shrubs and flowers. Parking is provided by a long brick-paved drive and a 21ft garage with power and light. Energy efficiency rating C70.

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Price: £300,000 Contact: 01752 202240

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Price: £339,950 Contact: 01752 340666

Stylish abode is substantial and spacious IN IMMACULATE condition and ready to move in, this detached executive home is situated in Owen Drive, in the Woodford area of Plympton. The four-bedroom property has separate lounge and dining rooms, an en-suite master bedroom, a double garage and plentiful parking, plus gas central heating and uPVC double glazing. The hallway sets the tone with oak flooring, also present in the two reception rooms, and all the ground-floor rooms have oak doors. There’s masses of natural light in the 19ft living room, which has windows to the front and side and patio doors to the rear. Fitted in the kitchen / breakfast room, which has tiled flooring, are modern units with square-edged work-tops and tiled splashbacks, plus a

stainless-steel bowl-and-a-half drainer sink unit with a mixer tap. Integrated appliances include a dishwasher, an eye-level oven and a gas hob with an extractor above. An archway leads through to the fully-fitted utility room, which houses an integrated fridge-freezer, a washing machine and a wall-mounted boiler concealed in a cupboard. There is a downstairs wc. On the first-floor landing are a loft hatch and an airing cupboard. The master bedroom has an archway through to a dressing room with a range of fitted wardrobes with hanging and shelving. The en-suite shower room has a double cubicle with concealed controls and a glazed screen. All the walls are tiled and there is a heated towel rail.

One of the smaller bedrooms has fitted wardrobes. Fitted in the family bathroom, which has tiled walls, is a three-piece suite including a double shower cubicle with a glazed screen. The vanity hand basin has a cupboard below and there is a heated towel rail. To the front of the house is a brick-paved driveway providing parking for up to four vehicles. To one side is a patio, a path to the rear and a double garage with a metal up-and-over door, power and lighting. To the rear is a garden laid mainly to lawn with a patio at one end and a path leading around to the front via a gate. The rear garden is enclosed by a dry-stone wall with hedging. Energy efficiency rating C.

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Well-presented apartment in a central location CONVENIENT for local shops and facilities and within easy reach of Plymouth University and the city centre is this spacious converted flat in Connaught Avenue, Mutley.

A marble fireplace is the centrepiece of an enormous living room with stunning twin square bay windows. The fitted kitchen has ample graniteeffect work-tops, a stainless-steel sink / drainer, an oven and a four-burner gas The unfurnished apartment boasts two double bedrooms, a fully-tiled bathroom hob. with a three-piece suite and an over-bath There is uPVC double glazing, and the shower. energy efficiency rating is D65.

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NRW (Hastings Street) - 1 double room in large, spacious shared house, all bills included............................................. £85 pw YEALMPTON (Fore Street) 2 bed terraced cott. situated in this little piece of Devon. Exc order with fit kit & int apps. GCH DG large gdns....................................£550 pcm EPC TBC REGENERATION DEVONPORT (Clowance Street) spacious 1 bed TF flat, lnge, new fit kit, bdrm, bthrm/shwr room, comm c/yard / drying area. GCH, DG..........£425 pcm EPC TBC

LANDLORDS! due to all other stock being let we urgently require properties in all areas.

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STUNNING ROOM TO RENT This property offer unique spacious living with double bedrooms and a large living room. The Kitchen benefits from a cooker, fridge freezer and washing machine. Call haart now to view 01752 677230 EPC-E

Cosy Space. . . .We have this fully furnished flat available now in St Judes, Plymouth. Available now benefiting from gas central heating, double bedroom, bathroom, kitchen with white goods and on street parking. This cosy little place wont be around for long. Call Haart to view now on 01752 677230. EPC-D

Top Choice. . . .Haart are pleased to offer this unfurnished two bedroom first floor flat available in the popular area of Mutley, Plymouth. Fantastic flat with a large lounge and feature fireplace.Don't miss out, Call Haart on 01752 677230 to view. EPCD

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Take a look at this modern two bedroom flat located in Lipson, just a short walk from the city centre and university. Perfect for two friends looking to share with two double bedrooms, modern fitted kitchen, spacious lounge and bathroom. With allocated parking and communal courtyard what more could you want? Call haart on 01752 677230 EPC-TBC

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£700 *

FAMILY IN MIND. . . . . .Stunning three bedroom house been completley refurbished available to move into now. Viewings starting from next Wednesday. Book your look now.Three bedrooms, Brand new bathroom, new carpets, front and rear garden, on street parking and fully fitted modern kitchen. EPC- TBC

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Stunning 1 bedroom apartment situated close to the dockyard and easy access to A38. This fantastic purpose built apartment is situated in Weston Mill, The property comprises having its own entrance, large living room, fully fitted kitchen, and double bedroom. The Flat is fully furnished and available now! Call haart lettings on 01752 677230 to book your viewing today! ECP-TBC

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antastic four bedroom property to rent in Stoke, Plymouth. Available immediately this property is semi detached and has been renovated throughout. With new carpets anda brand new fitted bathroom. The property has 4 bedrooms, 3 doubles and a single bedroom, main bathroom, 2 reception rooms and fitted kitchen. The property also has a rear enclosed garden with fitted decking. EPC-TBC

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LET LET LET This 2 bedroom house has now been let but similar properties are required! If you are looking to rent your home please call us now on 01752 677230!

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Peverell Thornbury Park Ave Fabulous spacious 2 double bed FFF. New kitchen. Deposit & refâ&#x20AC;&#x2122;s required. ÂŁ550 pcm Call 07425 737774

MANNAMEAD / MUTLEY Room in 3 Bedroom House. Fully Furnished. Double Bed. Clean & Quiet. Newly Decorated. Central Heating. Washing Machine & Dryer. Close to Amenities. Working Person Only.

2 BED FISHERMANâ&#x20AC;&#x2122;S COTTAGE 15mins from Plymouth City Centre. Unfurnished charming old cottage at head of Forder creek nr Saltash - just been majorly refurbished. Cosy wood burner in lounge, low ceilings, Economy7 storage heaters, double glazing, front courtyard & rear garden with large summer house that would make a good studio or office. Kitchen/dinner, shower room and 2 beds. Long term renters only. Pets negotiable but no smokers or DDS. Ideal for Derriford or City Centre located professional couple/individual who love village lifestyle. Only 15 mins drive to both. Call Tim for a viewing. ÂŁ700 plus bills pcm EPC Rating: N/A

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ÂŁ335 pcm

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ÂŁ85 pw inc bills EPC Rating: N/A

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CATTEDOWN Large furnished double room in a newly refurbished nicely furnished house. Suit single working person. Cable TV & Internet inc. Right next to a bus stop. Very close to the City Centre. Two weeks deposit required. ÂŁ85 inc bills pw EPC Rating: N/A

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1 BED SC FLAT DG, GSH, in quiet location in property, unfurnished, newly decorated EPC Rating: D

Double room to let in large detached house. Fantastic water front views over the Tamar. Use of whole house and facilities. Deposit and references required. Would suit working persons. No pets. All bills paid.

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ÂŁ400 pcm

Very large bedsit in quiet house. Private kitchenette and large bathroom. Suit young working person.

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available in Almshouses, Charles Cross Roundabout. Ladies over 60 only, preferably on Housing BeneďŹ t. Sitting/Bedroom, separate ďŹ tted Kitchen. separate shower room/ WC. Lovely sunny ďŹ&#x201A;at, newly decorated. Own secure entrance.

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Unfurnished apartment, in quiet area with woodland outlook. Own private entrance, double bedroom, second bedroom/study. Lounge, bathroom with shower, kitchen, DG, GCH, car space, patio, small enclosed garden. No smokers/pets. Deps/ Refs required ÂŁ495 pcm EPC Rating: Awaiting

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STOKE Spacious airy 2 bed ground floor flat, 2 large doubles, modern integrated kitchen, living area, large bathroom, GCH, DG, well presented, one off street parking, security entrance, alarm, nice part of Stoke ÂŁ550 plus bills pcm

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ST BUDEAUX Sunny ground ďŹ&#x201A;oor 1 bed ďŹ&#x201A;at with small courtyard, close to shops and buses, just off Victoria Road. Deposit and references required. ÂŁ425 pcm plus bills

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2 FLATLETS available (Barbican) suit over 60's on HB. Apply to the Manager (Fox House) C/o Quaker House, 74 Mutley Plain, Plymouth, PL4 6LF. 01752 600760 (answerphone)

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FORDER VILLAGE NEAR SALTASH

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■ Ever been less than truthful about your bank balance? You’re not alone; according to new research, we’re a nation of financial fibbers. Vicky Shaw says it’s time to face the truth... OFTEN, the old cliches have more than a ring of truth about them. New research suggests that if your wife or girlfriend has ever uttered that wellworn phrase, “Oh, this old thing?” when you’ve complimented them on a dress / handbag / pair of shoes you’ve never seen before, they’re very probably lying. Mind you, such levels of deception apply to both sexes – has your husband or boyfriend stuffed what looks suspiciously like a new gadget down the side of the couch when you walk into the room and pretended nothing’s up...? Indeed, when it comes to fibbing about purchases and the general state of our finances, a report suggests it’s our nearest and dearest who are most

likely to be on the receiving end. Nearly half (48 per cent) of us admit to being somewhat economical with the truth about money, according to the research from Standard Life (which surveyed 2,000 people), and we’re more likely to tell financial “white lies” to our partner than to anyone else. Women were found to be more likely to lie to their other half than men, with secret shopping sprees one of the most common money-related matters that we’re less than truthful about – the ruses tend to be that we “bought something ages ago” or that “it was a bargain in the sale”. Clothes and shoes were the purchases that women lie the most about, while for men it’s gadgets. And the financial fibs aren’t just limited to spending habits, the findings reveal. One in seven (14 per cent) of us says we’ve lied about the amount of money we have stashed in savings, while one in 14 (seven per cent) admits to being less than truthful about our earnings. Interestingly, rather than making ourselves appear richer than we are, many of us are actually playing down how much money we have stashed in the bank or what’s in our pay packet. In fact, two-thirds of those who have lied about their savings say they have underplayed rather

Bank of mum and dad ‘feels the strain’ ■ PARENTS are pushing themselves beyond their financial limits in order to help their children onto the property ladder, research suggests. Surging house prices are hitting the ‘bank of mum and dad’ hard – with the typical sum being loaned or gifted to help adult children to buy their first home put at £18,505, according to research from law firm Slater and Gordon. The research among more than 500 parents who have helped their children onto the property ladder found that, as a result, one in seven parents said they are now in unexpected debt, while one in three say their financial security has been affected. ■ TWO MILLION warning letters have been sent out to motorists since rule changes came into force which mean that vehicles have to be insured unless they are formally declared as being off the road. The Motor Insurers’ Bureau (MIB) sends out

60,000 letters a month to people whose vehicle is not recorded on the Motor Insurance Database, to alert them about the consequences of not insuring their vehicle or declaring it off-road. Changes were introduced in 2011 which require the registered keeper of a vehicle to have insurance at all times, unless they have declared the vehicle off the road with a statutory off road notification (Sorn) to the DVLA. Recipients who fail to comply face a £100 fixed penalty, having their vehicle clamped, seized or destroyed or being subject to a court prosecution and a fine of up to £1,000. The two-millionth warning letter was issued earlier this month. ■ WHAT proportion of people have no home insurance? The answer is as many as one third (33 per cent) for people living in rented accommodation, almost

six times larger than the comparative figure for home owners, at six per cent, according to a study by the Co-operative Insurance. The most common reasons for rental sector tenants having no home contents insurance include not being able to afford it, being “happy to take the risk” and that they haven’t got around to it yet. The research also revealed that renters estimate the average value of their home’s contents to be £16,644. For home owners this doubles to £31,651. The Co-op says industry findings show that the average theft claim for contents now costs £1,700, while this rises to £11,000 in the event of a fire. The average claim for accidental damage is now £550. More than 2,000 people took part in the Cooperative Insurance’s research.

than bumped up the amount that they have in their nest eggs. Women were found to be far more likely to do this than men. Julie Hutchison, a consumer finance expert at Standard Life, says: “The first step to a positive financial future is to be honest with yourself about the state of your finances. “If you are telling financial fibs to your nearest and dearest, the likelihood is that you’re not being totally honest with yourself either.” If you think you need a financial reality check, here are Hutchison’s tips: ■ Don’t make money a taboo. Talking about money isn’t always about showing off or being boastful. ■ Have a money chat. Make a point of regularly sitting down with your partner, perhaps once a month, to go through financial matters and talk through any concerns you may have. ■ Set a budget. Whether you’re trying to get back on track financially or cutting back to save for a rainy day, a budget can help you achieve your goal. ■ Draw up a list of your combined income and spending and look at where you can make savings. ■ Try to build up an emergency fund which could cover your outgoings for three months in a financial emergency. ■ Going online could help you take more control. Make the most of apps to keep you up-to-date on how much money you have and what you owe.

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