The latest update from David Doyle

The latest update from David Doyle




How has Brexit created opportunity in the market?

 
Data released from Rightmove has shown that agreed house sales last month rose 6.1% from the same point last year, with every single region showing improvement. Considering the current climate of Brexit, could this upsurge in the property market actually be attributed to the relative political instability, rather than in spite of it?

It’s been another period of gigantic upheaval in British politics in regard to Brexit, but months of uncertainty have seemingly encouraged a spike in activity in a rush to beat the currently unstable deadline of October 31st. Buyers and sellers are therefore making something of a concerted effort to complete their property transactions within the next quarter.

Supporting this microcosm of activity in the market is the number of UK mortgage approvals which have also risen significantly. Approvals for house purchases rose to their highest level for two and a half years in July, with Howard Archer, chief economic adviser to the EY ITEM Club, stating that: “It is possible that mortgage activity is being lifted by some people looking to complete their house purchases before Brexit occurs on 31 October, given the major uncertainties surrounding the UK successfully leaving the EU with a deal.”

Speaking prior to recent developments in the House of Commons, CEO of reallymoving Rob Houghton says: “The outlook for the property market over the next three months is remarkably positive, considering the current political and economic context. The recent election of a new Prime Minister who is committed to leaving the EU on Halloween even if a deal isn’t reached could mean clouds are gathering on the horizon, but any impact on prices in the short term is likely to be mitigated by the urgency of home movers to complete deals in the next three months.”



The Hemel Triathlon is coming on Sunday 29th September

Join us on Sunday 29 September for the Hemel Hempstead Triathlon. Gear up for swimming, bike riding and a 5km run!

Click here to read The Hemel Triathlon is coming on Sunday 29th September.



The Hertfordshire Wedding Fair

The Hertfordshire Wedding Fair, St Albans is Hertfordshire's premier wedding fair and is the county's oldest county wide wedding fair.

Click here to read The Hertfordshire Wedding Fair.



Property performance over the last decade

 
Now that we are in 2020, looking back at the previous decade can help to shine a light on what we are to expect next in the property market. New research from Proportunity – a new equity loan startup firm – has shone a light on which properties have increased the most in value from 2010 to 2020.

Surprisingly, terraced properties have seen the greatest rate of growth nationally – with an average growth of 3.05%, compared to 2.9%, 2.35% and 2.33% for semi-detached, flats and detached properties respectively.

London has seen the highest rate of growth with the region’s averages outperforming most other parts of the country, with terraced properties in the capital of the country proving to be an outstanding investment decision. In the year 2000, the average price for a terraced property stood at £127,833 in London, however by the end of 2019 this had risen to £499,178 – a startling 290% increase.

“The 2010s were marked by the after-effects of the financial crisis, and then by Brexit uncertainty,” Vadim Toader, founder and chief executive officer of Proportunity, says:

“Despite these headwinds, we have largely seen growth across the board, but the clear winner is terraced housing – or more specifically, terraced homes in London – with buyers likely attracted to their historic characteristics and charm, as well as their limited supply, compared to new builds.”

If you are considering investing into a property this year, then there are three key aspects to keep in mind in order to be successful;

1) Plan for success; know exactly who your audience will be when you let the property out, or sell it on.

2) Gain a mortgage in principle; this will enable you to move quickly as investment properties will often have heightened levels of competition around them.

3) Work with a good estate agent; a reputable agent will be able to advise you on everything from the right area to invest in, to the potential yields you will be able to reap.
 
 

Region Name

 

flat CAGR

2010-2019

 

terr CAGR

2010-2019

 

semi CAGR

2010-2019

detached CAGR

2010-2019

East Midlands

0.74%

1.78%

2.11%

2.25%

East of England

2.62%

3.47%

3.59%

3.07%

London

4.93%

5.07%

4.33%

3.06%

North East

-0.50%

0.08%

0.47%

0.67%

North West

-0.04%

1.07%

1.43%

1.21%

South East

2.49%

3.40%

3.41%

2.84%

South West

1.34%

2.19%

2.35%

2.18%

Wales

0.50%

0.90%

1.01%

1.20%

West Midlands

0.65%

1.52%

1.96%

1.91%

Yorkshire and The Humber

-0.12%

0.91%

1.30%

1.32%

England and Wales

2.35%

3.05%

2.90%

2.33%



Saving for a house deposit

 
For most of us, the most expensive thing that we ever purchase will be a property, and the prospect of saving for that all-important deposit can be rather daunting. However, the key to saving for that lump sum is simply good financial preparation and making a few changes to your outgoings which should reap big rewards. Take a look through our handy hints and tips and you’ll be in that new home in no time.

Speak to an expert
If you have made the decision that you are ready to buy a property, then an excellent first point-of-call would be to speak to an expert, be that a financial planner, mortgage advisor or a savings expert in your bank. It is important to get a detailed overview of your personal finances and speaking to an industry expert will provide you with tailored advice which suits your lifestyle, as well as being given some proven strategies to help you to save. Whether you’re a saver or a spender, it is important to get in to the right mindset to save and starting the process by speaking to an expert is a sensible first step.

Make a move
With the cost of renting often leaving many with little money to save for a deposit, making a temporary move can be a key factor in achieving a sufficient deposit. More and more people are moving back in with their parents for a period of 6 to 12 months; often paying no rent and economising through saving on laundry and food costs. If living with your parents is a truly unbearable prospect, then finding a lodger to live with you will also aid you in that all-important quest for a deposit.

Know your options
Did you know that you could buy a property with just a 5% deposit? Knowing what schemes and grants are out there will most certainly help you to achieve a house deposit. The Help-to-Buy shared equity scheme allows you to purchase a home with as little as 5% deposit and the government or developer (this is available for new homes only) lends you the rest of the deposit. Shared ownership schemes involve purchasing part of a property and then renting the rest, and although you would still need a deposit to get a mortgage for the part of the property you are buying, the deposit would be considerably lower; for example, to get a 90% mortgage on a 50% share of a £150,00 property, you would need only £7,500 for the deposit.

Make your savings work harder
Naturally, any changes you make will have one similar goal – to help you in saving more money more quickly and making these savings work for you should be a top priority. Open an ISA and use your yearly cash allowance so you don’t pay unnecessary tax. If you don’t already have one, open a savings account and save what you can, even if you think the amounts you are saving are inconsequential, they will soon amount to a worthwhile value. Shop around and see which bank offers the best interest rate on your savings, don’t just take one out with your current banking provider as finding a good interest rate could go a big way to helping you reach your goal faster.

Saving for a deposit can seem like a tall order, so making some sound financial decisions will be the key in to being approved for a mortgage and taking a step on to the property market. Get yourself into the right mindset where you are aware of why you are making some financial changes, remember that they are all short-term, and you’ll see those savings growing faster than you could have ever hoped.



How to set achievable goals with your home

 
Setting New Year’s resolutions is a long-lived tradition, however, this year is set to be slightly different.
 
Due to the pandemic, goals – such as travelling the world – will have to be put on hold due to restrictions.
 
As a result, many people are looking for achievable goals and challenges closer to home, and renovating your property is just one area of our lives we have the power to transform in 2021.
 
Here's how you can get started with your renovations...
 

Make a schedule

Before you get ahead of yourself and want to change everything in your house right away, take a step back and create a plan you can stick to.
 
This will ensure you don’t take up too much time focusing on everything at once, allowing you to remain stress-free and organised.


Create a budget that doesn’t pinch every penny

Everyone loves to save money where possible, however, if your budget is too stringent, this could cause your goals to fall short.
 
When renovating, you want to aim for the grand picture in your head as much as possible, and penny-pinching won’t help at all.
 
Take the time to carefully save so you don't find yourself struggling unnecessarily, and focus on the little things that can be changed without too much expense.


Have goals that are measurable

When starting a project, it is natural to want to see immediate results.
 
Depending on just how much work is required, you might want to consider planning out key milestones that will signal when the next phase of development has been reached.
 
That way, you won't lose heart from any potential setbacks or delays.
 

Ensure you can’t forget your resolutions

Plaster reminders of tasks you need to complete all over your home, meaning you can’t miss or avoid them.
 
Whether it’s a big A3 poster or a post-it note on the computer, this will keep your goals fresh in your mind.
 
For more property ideas or inspiration, talk to our team today about the renovations that add real value to your home.
 
 
 



Rental market predictions for 2022

The pandemic has influenced rental demand and opportunities across the country, but what does this mean for tenants and landlords in 2022?
 
Changing demand and supply
 
The last two years have witnessed a boom in house prices, with the average property in October 2021 commanding £24,000 more than it did a year previously. * This dramatic rise has forced many potential first-time buyers to remain in rental accommodation for longer.
 
UK rental prices, in turn, increased by 8.6% between November 2020–21. ** Despite this, Zoopla’s recent market report shows that affordability remains roughly the same, with 37% of a single tenant’s income spent on rent.
 
However, some regions have been significantly affected as workers from more populated areas retreated to the countryside, drying up an already holiday-centric rental market. This has spiked demand in rural heartlands such as the South West, which also contends with lower wages.
 
What will 2022 bring?
 
Zoopla also reported that overall demand for rental homes has increased by 43% while supply has dropped by the same amount, based on a five-year average. Thanks to fluctuating movement patterns and remote working, renting is likely to remain a problem in places where affordable rental stock is already thin on the ground.
 
The pressure on rural hotspots may ease now workers and students are being encouraged back into urban centres, but this also means an uptick in city prices.
 
While London’s rental prices are still lower than pre-pandemic levels, we can expect this to increase as supply dips in the coming months. Zoopla’s data shows there has likewise been a 60% hike in demand in Birmingham.
 
Alongside underinvestment in social housing and fewer landlords, the pandemic has created an unbalanced situation that’s likely to increase rents by 4.5% in the UK and 3.5% in London.***
 
The good news? Now is a great time for landlords to invest in quality housing to make a strong return while easing pressure on the rental market – a win for tenants too.
 
Call our property experts today to have your property valued for the lettings market.
 
*According to recent data from the UK House Price Index
**Based on the HomeLet Rental Index
***According to Zoopla’s November 2021 Rental Market Report



Top tips for first-time buyers saving for a deposit

Buying your first home is an extremely poignant event in anyone’s life and being able to put down a significant deposit is vital to stand you in good stead for your future repayments.
 

However, in light of Covid-19, we appreciate that it can seem more daunting than ever to imagine yourself taking that step towards homeownership. 

 

As your trusted local estate agent, with lots of first-time buyer experience, we have compiled these tips to support your saving goals this January.


Plan ahead

 

During your property purchasing journey, it is crucial to identify any additional funds that you may need along the moving process.  


Likewise, being aware of your monthly income and outgoings is extremely important in order to create a timescale for your saving journey.

 

Move back home

 

If your parents or family are not in a position to be able to support you financially with your property purchase, there are other ways they can help. 

 

The vast majority of first-time buyers find it difficult to save for a deposit due to their monthly rental outgoings, so moving in with a friend or family member is a great option to reducing these costs.

 

Due to COVID, it is important that you check the most recent guidance before changing your living situation. 

  
Downsize

 

If your current rent price per calendar month is slowing your deposit saving down, and you can’t move in with a family member or friend, then downsizing may help. 

 

Looking for a property that is smaller could save you hundreds or even thousands over the span of your saving period.

 

Check your direct debits 

 

Especially at this time of year, many of us will take out various subscriptions without continuing to need them beyond the first month. 

 

As such, it is important to go over your direct debits and ensure that you are still using all of the services you are paying for. 

 

In 2019, Brits spent £4 billion on unused gym memberships – and with the average monthly fee being £35 per person – the cost really adds up.* 

 

This also goes for streaming services and club memberships that you may no longer use. 

 

Whether you have your deposit ready to go, or you’re looking to downsize to save some extra money, we’re here to help you every step of the way. 
 
*Daily Mail 

 



How to make the most of a small kitchen

Having gone through multiple lockdowns, the most desirable factor that's attracting attention from buyers and tenants right now is a property with plenty of space.

 

Compared to houses built in the 1960s, new homes are now designed with smaller kitchens; dropping by 2.77 metres on average across the UK.*

 

As a central room, it's really important that you're maximising value from your kitchen.

 

You want your kitchen to be practical and attractive, which requires innovative design ideas and creative storage solutions.

 

To help you accomplish your renovations this year, we've brought you our top suggestions for making a small kitchen feel spacious and inviting.

 

Take off the doors

You would be surprised at how much space traditional swinging doors take up.

If it opens outwards, the kitchen door might not be as much of a problem, but if it swings into the kitchen, you could be losing up to a square metre of usable space.

 

Go for a light colour scheme

As an effective, quick fix to make a small kitchen feel bigger, opt for a neutral colour scheme.

Neutral does not mean just sticking to shades of white and cream, why not try white patterned tiles and marble countertops with a light grey cabinet?

This will reflect the light, making it feel much more spacious than you would find with a darker colour palette.

 

Install a small breakfast bar

If there is no room for a dining table in your kitchen, consider sacrificing a few cabinets to squeeze in a small breakfast bar.

Or you could even consider using a wide shelf on the wall for an alternative table space – the stools can be tucked underneath to avoid being in the way.

 

Work your way up the wall

When surface and floor space is limited, it is a good hack to use up wall space too.

Install shelves, rods and notice boards to remove the utensils and clutter from your workspaces.

Adding plants and more lighting will also brighten up the room, creating the illusion of space.

 

Make use of the space around your fridge and oven

Even if you only have a small space between the wall and your fridge or oven, you could think about adding a hidden rolling cupboard; perfect for storing cans, spices and dry food.

 

Invest in an over-the-sink cutting board

For kitchens that are tight on surface space, an over-the-sink cutting board is a good way to take advantage of the whole area available. It is also a practical way to wash your fruit and veg without making a mess.

 

Take advantage of the end of counter space

Rather than keeping this free, take full advantage.

Why not install a bathroom rod to hang your saucepans on? This will free up another cupboard for other things. If they are nice pans, it also adds to the aesthetic of your homely kitchen!

 

Find a new home for your washing machine

The kitchen is an obvious place for the washing machine but in other European countries, you are more likely to find them in the bathroom.

If you are stuck for space, why not relocate your laundry appliances somewhere else in your home, perhaps the bathroom or a cupboard under the stairs.

 

Looking for a more spacious home? Browse our available properties.

 

*Source: LABC Warrant



Prepare your property for a February sale

Time to pack up the decorations, Christmas is over and 2022 is here!

 

If you’re preparing to sell your property this year, then you might be unsure about what you need to do beforehand.

 

Don’t fret, we’re here with a list of top tips to help get you ready to show off your property.

 

Create a good first impression

Remember that the first impressions of your home are essential during a sale.

With that in mind, making sure your home’s exterior is visually appealing and attractive will be your biggest priority in preparation for listing.

We’d strongly recommend that you take the following into consideration:

  • Clean your windows, it’ll be easy to notice if you haven’t!
  • Give your front door a lick of paint to freshen it up and make your entrance feel more welcoming, you can easily do this by replacing the doormat if yours is looking a little tired.
  • Tidy up your hall by removing any post.
  • Remove weeds from your path and tidy your garden.
  • Make space on your driveway for visitors to park.
 
 
Upping your presentation
 
It is also important to ensure your home’s interior is presented in its best possible light, as this will provide buyers with a vital opportunity to picture how they will fit into the living space.
 
  • A simple suggestion, but one which can have a massive impact, is to declutter. Removing large bulky items from view will help maximise your home’s space.
  • Let in the light by keeping the curtains open, windows clean and any natural sources of light clear to give your home as bright a feel as possible.
  • Make sure all rooms are heated prior to viewings, even those you don’t use often, to provide your home with a cosy feel during the winter months.
  • Keep your bathroom and toilets clean, free of mould and tidy, and make sure your toiletries are kept to a minimum.
 
Time-consuming as it may seem, keeping your home organised and welcoming will put you in good stead for when the viewings start.
 
Remember; visitors need to be able to imagine themselves in your home!
 
For further guidance on selling your home, contact our expert agents today.



A basic guide to decorating

 
Flick through the pages of any magazine these days or scroll through the popular Pinterest app and you’re likely to see endless images of chic properties with timeless décor. For those of us that are blessed to be able to colour-match and accessorise effortlessly, this is an entirely attainable vision; however, for the rest of us who are a little more challenged in the decorating department, it can be tough to know where to start. Read through our basic guide to decorating and we will provide you with some guidelines which are sure to help you turn your home in to a real page-turner.

Start scheming
So, you have decided to revamp a room, you’re excited and you just want to get the paint brushes out but hold on…you need to take a moment and think about what you really want! Taking a moment or two to plan will help to ensure that the effort you’re going to is really worth it, and having an overall concept will hold all of the interior elements together. Ask yourself what you like and dislike about the room currently and how you want the room to feel - cool and trendy or warm and welcoming? These simple questions will help you to focus in on how you’d like the end result to be and using apps such as Pinterest or Instagram will help you to decide on overall concepts. Creating a mood board for the room will help to streamline your ideas and will serve as a reference throughout the entire decorating process.

Stay in neutral
It may seem like a safe or unimaginative option, but neutrals are timeless when it comes to decorating. When you have a neutral palette to work with, you can layer colours and textures on top of the basic colour scheme in order to achieve your desired look. With new trends popping up seemingly every other day, having a neutral colour scheme allows you to easily change the feel of your room simply by updating the accessories and soft furnishings. You can also add in vibrant pops of colour to lift your room when using a more neutral scheme, with accent pieces such as side tables and upholstery offering some interest in to your colour palette.

Softly, softly
Soft furnishings can put the va va voom in to your room! Having strong accent pieces, as well as coordinated soft furnishings such as curtains, throws, pillows and rugs create a more coherent and cohesive atmosphere in a room. Rotating which soft furnishings you have in your room seasonally works really well to make your room feel up-to-date and contemporary; for example, using a blue rug and pops of yellow during the longer winter months, or some glittery cushions for the festive period. These pops of colour and print will have the desired outcome of a tasteful and chic room.

Simplify
Don’t be scared to leave spaces empty in your room. Horror vacui, a fear of empty spaces, is evident in so much of today’s culture with a tendency to want to display all of our knick-knacks throughout our homes. When you have gone to the effort to stylishly decorate your room, don’t ruin the hard work by then adding in too many objects; instead, let your decorating do the talking for you. If you want to display some of your own items, then ensure to group them and use the rule of thirds; group three objects together in a display rather than two. Groupings of objects which vary in heights, shapes and textures but are related to one another are the most effective for displays; for example, grouping three candles which are different heights but are the same colour.

When renovating a room, it is easy to feel overwhelmed, which is frequently why we shy away from decorating. However, we would recommend taking your time, planning your renovations carefully with a budget and enjoying the process – updating your home will add value to your property, after all, as well as giving you a beautiful home to relax in after a tough day at work.



First time buyers' guide to making an offer

 
If you’re a first-time buyer and have begun the hunt for your first home, you may think that once you’ve found the right one you simply offer what they ask for; job done! However, when it comes to making an offer on a home, there’s a bit more work that should go into it than simply offering the price advertised.

You need to be confident when making an offer that you’re not going to be stung by an inflated asking price or take yourself out of the running by offering too low. To help you prepare, we’ve put together the following information to help you through this stage of the home buying process.

Get some advice
The first step and arguably most important step you need to take is speaking to an expert. If you’re a first-time buyer, then you probably don’t have a wealth of knowledge on how the market works and what you can and can’t afford. Get in touch with a mortgage advisor, get informed on how it all works and more importantly, find out what your price range is so when you do make a formal offer you can do so with confidence.

Research the local market
Once you know how much you’ll be able to spend, it’s time to get a better understanding of your local market. The more research the better. Take a look at what’s up for sale and find out what your budget will get you in each area.

Build a list of key features that your home will need, such as the number of bedrooms or a driveway. The chances of you moving into your dream property with your first move are somewhat slim; however, it’s important that you know what you’re looking for and how much it will cost you in each area.

It would be wise at this point to get in touch with a local estate agent. You can do as much research as possible, but a good local agent will always be a benefit as they will know the market like the back of their hand. This means that they can fill you in on what to expect from vendors and hopefully help you avoid any pitfalls.

Get out there and book some viewings
Now that you’ve done your research on what you want, what you can afford and what the market has to offer, it’s time to book some viewings and get out there. Things can move very quickly in the property market, so your previous work and research leading up to this point will come in handy as there’ll be no time wasted travelling to unsuitable areas or over-priced properties.

While viewing properties, be sure to check out the building's structure and not just its décor. Check for any damage such as cracks in walls or damp. Make sure you understand exactly what you’re getting into and have a good idea of the current state of the home as it can help form your offer.

When you find the right home, be ready to act!
If you’ve managed to find the right home, then it would be best to act quickly as there’s a good chance you’re not the only one eyeing up that house. If you’re ready to make an offer, consider a few things before doing so. How much do other similar properties go for in the area? Does the property need some repairs? Have house prices dropped slightly since the home was first put on the market? We’d all love to knock a few thousand off the asking price, but the seller isn’t going to make such a concession easily, so if your offer is lower than the asking price, you’ll need to demonstrate why.

The Final Steps
Now before you finally put your offer on the table, try and organise all the other pieces of the puzzle beforehand so you are ready to go as soon as it’s accepted. If you’re a first-time buyer then one of your major benefits is that you don’t have to organise selling your own home, but if you can organise such things as surveys and solicitors then it’ll make the process much smoother.



Puppet Theatre: Beastly Belle 

Be charmed and surprised by a new twist on an old tale, inspired by the iconic era of 1920s and 30s cinema.

Click here to read Puppet Theatre: Beastly Belle .



The Serpent's Tale, hosted by Water Gardens

Join the wild and wonky May Queen to discover The Serpent's Tale - an original play on Saturday 28th September. 

Click here to read The Serpent's Tale, hosted by Water Gardens.



Should you pay off your property's mortgage early?

 
New research from financial services firm Hargreaves Lansdown has shown that one in six of us who have purchased a property will either be over 65 by the time the mortgage is fully paid off, or the loan will never be fully paid off. The question stands, therefore, as to whether you should pay your mortgage off early or not?

As the average age of homeowners creeps upwards, and first-time buyers are entering the marketplace beyond 30 years old, the prospect of entering into retirement with a mortgage still to pay is going to be a reality for many. Research conducted by the Financial Conduct Authority supports this notion, with the FCA forecasting that 40% of first-time buyers in 2017 would still be repaying their home loans at 65.

First and foremost, do your sums to see whether you have anything to worry about in the first place. If you are going to be receiving a healthy pension anyway, then the prospect of continuing mortgage payments may not be anything to worry about. On the other hand, if you are going to be on a lower income than you’re currently accustomed to, then mortgage payments may well prove to be a stretch. If this is the case, here are a few options to help you pay that mortgage off sooner:

Overpay whilst you can
Speak with your mortgage provider to see when your prospective final payment is, and use this to incentivise yourself to pay early when you can afford it. Many mortgages will not charge you for overpaying, instead embracing the higher payments so double-check with your provider and overpay in order to bring forwards that final payment date.

Consider remortgaging
With interest rates at record-low levels, many borrowers are now considering remortgaging in order to obtain a more favourable mortgage. Eventually, you will be moved onto your lender’s standard variable rate (SVR) if you do not remortgage or move onto a different deal during your mortgage term. Avoid these less favourable mortgage rates which will extend your mortgage term, and you could slice years off your repayment schedule just by switching providers or plans.

Reduce your mortgage term
Rather than overpaying on your current mortgage plan, reassess your financial status to see what you can really afford now. You will most likely be in a different economic position now to when you first purchased your property, and potentially able to afford higher repayments. If this is the case, and you are likely to remain in a stable position for the foreseeable future, then reducing your term and increasing your monthly payments is a guaranteed way to pay off your mortgage more quickly.



Help to Buy - what are your options for purchasing a home?

 
If you’re a first-time buyer looking to purchase a property, then you’ll almost certainly be aware of the Help to Buy scheme and its success in helping people get onto the property ladder. What you may not be aware of is how the scheme works, and how it helps buyers to secure deposits for homes that would otherwise be out of their reach.

With that in mind, we’ve put together a rough guide to how Help to Buy works.

Can you get a sufficient deposit together?
Most standard mortgages require a deposit of at least 5% of the value of the home you want to purchase. If you are able to get the capital required, then you may not need to apply for any scheme.

Equity Loans
If your deposit doesn’t stretch that far, however, never fear! This is where Help to Buy comes in. If you have a 5% deposit, you can apply for an equity loan for purchasing new-build properties. The Government will lend you up to 20% of the property’s price, but you’ll have to start paying interest on that loan after five years.

For example, should you purchase a £200,000 house, you’d pay £10,000 (5%), get a mortgage for £150,000 (75%) and the Government would loan you the remaining £40,000 (20%).

ISAs
If you’re still saving for that all-important deposit, then a Help to Buy ISA is available to you, with the Government adding 25% on top of the value of your savings, with up to 2.6% interest tax-free. A word of caution; if you’re considering this option, then you would need to apply for your ISA prior to 30th November this year. Click here to learn more.

Shared Ownership
If you can’t stretch your finances to be able to afford the entirety of a mortgage, Shared Ownership provides you with the opportunity to buy a share of your home (between 25% and 75% of the property’s value) whilst paying rent on the remaining share. You can also buy bigger shares in the property once you’re able to, offering you flexibility for the future whilst owning a significant stake in the home you wanted.

Purchasing a home doesn’t have to be beyond any first-time buyer. Speak to our financial experts about your Help to Buy options and find out how you can finally buy the property of your dreams.



Tales From Beyond the Grave - performance workshop

Enjoy a spell-binding performance which brings local history to life this Saturday at Rectory Lane Cemetery. 

Click here to read Tales From Beyond the Grave - performance workshop.



Just A Cappella Singing Group

Just A Cappella is a mixed voice group, who love singing in harmony together and are friendly and sociable.

Click here to read Just A Cappella Singing Group.