September 2023 - Insurance Articles

A short-term or long-term tenancy – which is right for you?

Whether you are renting or letting a property, you have probably at some point had to decide which route to take. Perhaps you are still making up your mind and are not sure which road you want to go down. Let's start by taking a closer look at the pros and cons of both short-term and long-term tenancies for landlords and tenants.

What is a short-term tenancy?
Typically, a short-term tenancy is a tenancy that is less than six months. Holiday lets are usually up to 31 days.

Advantages of a short-term tenancy for landlords
As a landlord, you can enjoy more flexibility, perhaps choosing to let your property to holidaymakers for some of the year while at other times letting it on a short-term basis. If your tenants become problematic, then at least you are not tied into a long-term contract. Typically, you can charge a little more for a short-term let and more again for a holiday let.

Advantages of a short-term tenancy for tenants
If you are a tenant, then you are not tied into a long-term agreement, which, if you work on short-term contracts in various locations, may suit you perfectly. For some people, the principle of being restricted to one property for a long period of time is not appealing. The overall cost of renting for the duration of the contract will be less than renting for longer. That said, you will then need to find another place to rent at the end of the term of the tenancy.

Disadvantages of a short-term tenancy for landlords
You may find that your property stands vacant, which means that you could reduce the profitability of your investment. Your property may require more attention and time in terms of maintenance, advertising, and the time it takes to find new tenants. In some cases, mortgage providers may choose not to lend to you as your rental income may be considered less stable than that of a long-term tenancy.

Disadvantages of a short-term tenancy for tenants
Lack of long-term stability can be unsettling and stressful, and taking time out to find your next home can be time-consuming. Added to this, the higher costs of short-term lets plus the shortage of rental properties currently available makes acquiring a long-term tenancy a more attractive option.

What is a long-term tenancy?
A long-term tenancy is usually based on an annual tenancy, is a fixed-term contract, and is the most common form of renting.

Advantages of a long-term tenancy for landlords
This is a much more stable and predictable way to let your property, with better long-term stability and less time-consuming work when it comes to finding tenants. Banks will see you as less of a risk, which could increase access to funds. This means you could expand your portfolio more rapidly or buy a more valuable property, ultimately leading to a better return on investment.

Advantages of a long-term tenancy for tenants
Greater stability means it’s easier to plan your future. Putting down roots is important and is much better for all those practical things in life, including socialising and financial planning. Feeling settled is an innate human desire and leads to a more stress-free life.

Disadvantages of a long-term tenancy for landlords
Having less flexibility means that you have fewer options when it comes to diversifying into other markets. You may have to charge less than if you were renting your property as a holiday let, and if issues or repairs occur, you will need to fix them sooner rather than later.

Disadvantages of a long-term tenancy for tenants
Tenants renting on a long-term tenancy will not endure many disadvantages; even if you have to move before the end of your contract, in most cases, as long as you provide the correct level of notice, there are no financial implications.

Conclusion
Each person has different needs. However, it seems that unless you know for certain that you only need to rent on a short-term basis due to contract work, perhaps study or training, a house renovation, or holidays, a long-term tenancy is a more stable and predictable choice for both tenants and landlords.

Are you looking for a property to rent, or are you a landlord looking to let your property?

Get in touch to see how we can help.

Are you interested in inviting nature into your garden this summer?

This time of year is perfect for unwinding in the garden. So many people like to make the most of their outdoor living spaces by sharing them with their friends and family. Having a few extra guests around to make it more of a social occasion is always a good idea. But don’t forget to invite a bit of wildlife, which adds a touch of magic to your garden during these wonderful summer months.

Pick the right flowers
Flowers produce pollen for the birds, bees, and butterflies, which adds an orchestral soundtrack to your garden. Birds and butterflies are a spectacular sight to behold as you unwind in the garden with loved ones after a hard day’s work. And thanks to their hard work, the birds, butterflies and bees encourage more flowers to grow in your garden as they fulfil their role of fertilisation. Choose the flowers you love, adding the colours that make you happy, then let nature take its course.

Trees and shrubs
Whether bushes, hedges, trees, or shrubs are your thing, again, grow whatever you are most passionate about. Each will provide a great home for various forms of wildlife, from birds to insects. Growing a good amount of these things will create a better visual appeal for your garden and give the wildlife more choice when it comes to finding their nesting place of choice.

Build a pond
Building a pond can be great fun and is a relatively inexpensive way to add a whole new dimension to your garden. Buy a prefabricated pond and put it in the ground, or use a liner; either way, you are in for a little digging. All the hard work is worth it though, if you do it yourself. You will be able to sit back and drink your morning coffee while watching the birds, possibly even a toad, wash themselves before singing their morning songs. A good tip is to build a sloping side, almost like a beach, so that wildlife can get in and out of your pond. Perhaps fish are more your thing; either way, add some flowers to your pond, such as waterlilies, and watch them blossom.

Grow a meadow
Scatter flower seeds and create a meadow. Don’t worry if you don’t have the space to do this; you could grow small areas of long grass. These will also add to the visual appeal of your garden. Making it unique and different. This can encourage voles and caterpillars, and wildflowers have a unique beauty that is another feast for your eyes.

Create a rock garden
If you have areas in your garden that have poor soil quality, rock gardens are an ideal solution and don’t cost a lot to build. In fact, you may be able to build it for free. Build it next to your pond or wherever you feel it makes the biggest impact, and you will encourage pollinators and other forms of wildlife to thrive.

Added value to your home
While having more wildlife in your garden will not directly add value to your home it will enrich your garden, making it more attractive. This will add value to your home, and a well-presented garden with various features, flowers, trees, and shrubs will be far more appealing to buyers than a property with less visual appeal. Combined with the right outdoor living space; the perfect viewing point to appreciate all your hard work, you will have undoubtedly added significantly to the value of your property.

Are you looking for a home with an idyllic garden this summer?

Get in touch to see how we can help.

Are you preparing your property for a summer sale?

Summer is the perfect time to prepare your home for a speedy sale. Homes seem to blossom at this time of year, and when all your hard work is done, the sun illuminates and makes your home look like a picture. Sometimes it’s a question of having the time to get all those little jobs done. For others, it’s knowing when to stop. So, wherever you are on the spectrum, here are a few ideas to consider that will help add to the value of your home.

Increase the kerb appeal of your home
The front of your home is what will welcome your buyers, and many people make a big part of their buying decision on first glance. Does it look welcoming and in good order? Get rid of any weeds on the paths. Clean the windows and the front door. Consider replacing it if it’s a cost-effective move to make. Add some flowers, mow the lawn, and give it a lick of paint if it’s needed.

The garden and outdoor living spaces
Take a good look at your garden; it’s considered by many buyers to be as important as any room in the house. Keep it trim and in order, and make the most of those finishing touches, such as solar lighting or cushions for the garden furniture. Does the patio need weeding, or the decking need re-staining? Arrange your furniture, flowerboxes, or outdoor space so that it looks welcoming and ready to be lived in while decluttering any unnecessaries like the kids’ toys or football!

A splash of paint
Inside your home, a splash of paint adds a new lease on life to your walls and can be mood-altering, putting your buyers in the mood to move. It could be that you only need the odd splash here and there to get rid of any blemishes. If you are painting entire rooms, think neutral colours that will add light and a feeling of space. Remember the golden rule: If it’s not needed, don’t waste your money.

Clean and declutter
Your home needs to look like the best version of itself. A cost-free way of doing this is to simply give your home a good cleaning. Have a good sort-out; it will stand to you when it comes to moving. Pay particular attention to the kitchen work surfaces, the bathroom, and the sitting room. This will create a nice feeling of space.

Let the light in
Draw back the curtains, let in as much light as possible, and hang a few mirrors to create an allusion of space. Add some flowers and dial your home into the summer season. A few brightly coloured cushions or plants can add some vibrancy to your cleaner and brighter home, making it more appealing.

Small repairs
Now is the time to get all those niggling issues sorted, from the cracked skirting board to the scorched tap. A few new seals in the bathroom, or better yet, regrouting or resealing around the tiles, can add a new lease of life to your bathroom or kitchen and make a big impact for not a lot of money.

Bigger ideas
Perhaps your garden could be transformed by adding decking; suddenly you will have added an outdoor living space. Consider installing new windows or a revamped porch. Perhaps, after careful consideration of costs, you could make the kitchen and dining room open-plan? Talk to your agent if you think you will get more than the cost of completing the work when it comes to selling; maybe it’s worth doing. The choice is yours, and the possibilities are endless. A good chat with your local agent is always a good place to start.

Get in touch today to see how we can help you achieve a great asking price for your home this summer.

First impressions last! Top tips on increasing your home's kerb appeal

You want your home to stand out, whether it’s first seen by your buyers in an image or from the kerb. That first glance is important. If the rest of your home is in great condition, the last thing you want to do is alienate potential buyers by neglecting the front of your home and creating the wrong impression.

The front door
If it’s wooden, give it a coat of paint and polish the metal work. If it’s really worn and damaged, consider replacing it. Sometimes darker colours will make your front door pop, so that when your home is viewed and welcomes potential buyers, they immediately feel good before entering your home.

The front lawn
Make sure the grass is green and trim. Use grass feed if there are any patches. Sweep and weed any paths or patio areas. If possible, use a jet wash to make your paving look like new again.

Clean your widows
Get your window cleaner to give your windows a good clean in time for viewings and pictures for your agent. Don’t forget your window frames; make the front of your house pop with the right colours; and repair any blemishes.

Add some paint
The front of your home will benefit from a coat of good paint. Check the pointing. Perhaps your home does not need any paint; don’t forget gates, fences, walls, and guttering. The little things all add up to make a big impact.

Flowers and plants
At this time of year, adding some vibrancy with a dash of colour will really help your home stand out. Less is more, and not everyone is passionate about the same flowers and plants, so be subtle and keep what you have in pristine order.

Furniture
Even if you have a small, terraced house with little space out the front, a small seating area can add to its appeal. For larger homes, create a vision of outdoor living that is just a taste of the splendour that will later appear, perhaps in the outdoor living space located at the rear of your property.

Conceal wiring or utility boxes
If possible, don’t allow all your hard work to be affected by unsightly wiring or an electrical, gas, or rusty mailbox. Get in touch with your energy supplier if it needs replacing, or simply give it a good cleaning.

Summer symmetry
Some things work best in pairs, and when it comes to making an entrance, a pair of ornamental flowerpots on each side of the door can do the trick. Lighting can also have the same effect as flower boxes.

Finishing touches
Hanging a summer wreath can really add some colour and show your new buyers that you love your home.

Will all of this add value to your home?
Yes. Anything that makes your home appear cared for and loved will help other people fall in love with it. While it will not drastically increase the value of your home, you may be pleasantly surprised.

Home sales figures are looking strong for summer 2023

You are relaxing with a drink in the garden, and the summer scent of flowers and sweet grass mingles with whatever you are cooking on the barbeque. You take a long sigh and feel so happy that you have made the effort to move. Perhaps you have not experienced this feeling for a while. It could be that you are a first-time buyer and are eagerly awaiting this special and unique feeling. As the market stands, there is more than just nice weather and pretty houses to tempt you into moving.

Strong sales
With the UK housing market currently sitting at 500,000 sales, many analysts expect to see these figures rise to more than one million by the end of the year.* This is good news; it means that your home will sell quickly if you put it on the market. And is more proof that the property market is vibrant and far more resilient than the gloomy picture painted by the mainstream media.

The summer rush
Many people are hastily getting on the move in time for summer, not wanting to move during the colder months of winter. Summer is a beautiful time of year to move to your ideal home and is traditionally a busy time of year. For sale signs start appearing as quickly as summer flowers, giving you more choice. But it’s best not to wait for a sign to go up; keep in touch with your friendly agent, as homes can disappear from the market as quickly as they appear. Your agent will alert you the moment the right property for you becomes available.

Surging choice of homes
With 65% more choice in homes than this time last year.* The buying process today is far more enjoyable. You no longer have to worry about making offers over the asking price. From large and small energy-efficient homes that ooze character to new builds, and interesting period properties in a multitude of rural and urban locations, the choice on today’s market is more varied than ever. Homes across the market have undergone a massive amount of improvement during the home improvement boom of recent years. That said, there are plenty of projects waiting for you to put your mark on.

Summer is a great time of year to move
The kids are off school, the days are longer, the weather is not as harsh, and moving your belongings in more clement weather is a nicer experience. It’s also a great time to meet the new neighbours for a drink in the garden or a barbeque after you move in.

Good timing
Timing counts for a lot when it comes to selling your home, and right now the market is a hive of activity. A good agent will have their finger on the pulse and have a buyer waiting for your home to make its appearance on the market.

A vision of summer living
Bright and breezy rooms with seasonal flowers, drinks on the decking as the sun goes down, or the smell of something delicious cooking on the barbeque, or a simple, more compact space with a few candles and soft music soothing you after a hard day’s work are worth making the effort for.

Don’t waste any more time and make your move this summer?

Get in touch to see how we can help.

Zoopla*

How to evoke emotion with your home's colour palette

Perhaps you have just moved, or maybe you are thinking about moving. It could be that you are decorating a recently acquired buy-to-let property. Whatever your reason for decorating, sometimes the hardest decision to make is deciding on colour schemes. There is an eternal spectrum to choose from, and matching and creating rooms that are visually what you were hoping for is no easy task.

Did you know?
Some research suggests that we associate certain colours of inanimate objects with certain emotions. Here are a few examples: orange: happiness or energy, yellow: cheerfulness, red: love, passion, or danger and blue: relaxation, to mention but a few.

Are you selling your home or letting your home?
If you are renting out your home, neutral, warm colours are the best. That way, you can play it safe and not run the risk of decorating to your tastes and alienating potential tenants or buyers. Paler, softer colours that encourage as much light as possible will make your home appear larger. While it is tempting to opt for two-tone effects, do so in a conservative manner, if at all.

Do what makes you happy
If you are decorating for your own home, then this is a different matter. When it’s time to sell up and move, the chances are that your buyer will have their own ideas and tastes when it comes to decorating. Instead, have faith in your own tastes. Learn to trust yourself while seeking the right advice. Experiment with colours, and don’t buy until you try. Use the samples you are provided with and paint until you are happy. If you are not happy, today any colour can be matched with some clever mixing technology. So, if you can’t find the right colour, you can have it made.

Soothing spaces
Bathrooms, bedrooms, and sitting rooms are often places where feelings of tranquilly are at the top of the pecking order of desired emotions. Shades of blue and green can be useful in creating such feelings. The softer the shades, the less impact they will have. A good way to make these themes work well is by adding the right complementary furniture. In the case of a bathroom, a contrasting suit will accentuate these emotions and may distract your eye from the intensity of large painted areas. A good tip is to break up walls with mirrors, plants, pictures, shelves, or tiles to create a greater sense of serenity.

Furniture and finishing touches
A great way to add colour to create your desired mood is by not paying too much attention to the walls and focusing more on your furniture, features, and finishing touches. Gone are the days when it was all about wallpaper and paint, with furniture being a simple afterthought.

Neutral and darker colours are great for a feeling of cosiness. Then, if you want to add a dash of colour with yet more cosiness built in, use mustard shades or whatever colour you love. Neutral colours work with everything, and when you get to the end of your decorating expedition, the impact of small plants on a simple, free-standing table can be pleasantly surprising. So, when it comes to creating the perfect mood for each room in the house, start with your furniture.

Browse our properties today to find a home that matches the life you want perfectly.

It’s a buyer’s and a seller’s market

The property market always has a good deal for everyone, and right now, this has never been truer. The news tends to paint a bleak picture; however, on closer examination, it’s clear to see that the moving market is well balanced. If you are selling, buying, or both, then you are sure to find what you are looking for at the right price.

If you are selling
The property market is still benefiting from the rapid growth in prices over the past few years. With UK house prices rising on average by 3% in the year to May 2023, there is no doubt that things have returned to a healthier state.* Steady, solid growth creates confidence and stability. This means if you are selling, you are going to get a good price for your home, and if you move, you most likely have great levels of equity.

Buyer demand
Demand from buyers is up by 14% compared to 2019 and is 42% lower than a year ago.* It’s completely unfair and unrealistic to get downhearted by comparing today’s figures with those of last year. This was an exceptional year due to the hyperinflated market caused by COVID and other factors. The figure to concentrate on is that of 2019, which was a more realistic market, and with the increase in demand this year, you will sell your home quickly.

If you are buying
The property market is not exclusively a buyer’s market, as perhaps it has been in past years. But there is definitely a lot of scope for haggling, making an offer, or getting a good deal. Whatever your preferred term for saving money is, the trick is not to overdo it. You don’t want to miss out on the home you love by making too low an offer. This is where a good estate agent can help guide you through what can be a nerve-racking time.

A friendly face
Moving home is becoming more of a seamless experience. But having the right agent helps with this process. There is no substitute for a living, breathing person who spends day in and day out dealing with virtually all that is property related. Estate agents tend to know what is going on in your local market, can answer all your burning questions, put you in touch with anyone else you may need, and often have a list of buyers ready and waiting. Buying a home is an emotional experience, and when you are making big life-changing decisions, you don’t want to deal with a robot!

Beautiful buying weather
This time of year is perfect for moving. The birds are singing in the trees; it’s warm, and the prospect of being moved in time to enjoy the summer tempts many home movers into selling and buying. As a result, prices stay buoyant, and the choice of property flourishes. It’s a busy time of year, which adds vibrancy to an already good market.

Happy homes
Many homeowners keep their homes in tip-top shape during the summer. The result is that homes become happier places. Whether you are relocating to the countryside or to a new street, this time of year lends itself well to making some everlasting memories.

Browse our properties to take a glimpse inside your future happy home.

Zoopla*

Landlords, here are some top tips on finding and keeping great tenants

The demand for your rental property is huge right now, having increased by 10% again this year on the back of years of soaring demand.* As a landlord, you want to maximise your return on investment by achieving the best possible rent for your property. You also want to secure your investment and build a good relationship with tenants.

Location
Before buying, think about your potential tenants. Proximity to hospitals, schools, transport links, or universities may help define your target tenant. If you have already bought, remember that location is a great plus when attracting tenants.

The nicer your property the nicer your tenants
Decorate your property to the highest possible standard. Keep a neutral theme using safe colours. If there is room in your budget to improve the kitchen, flooring, and bathroom, do so. Just be careful not to overspend. A well-presented property in good condition will fetch more than a less well-prepared property. Typically, a nicer property will attract better tenants who will look after it if it’s in great condition.

Make your property as attractive as possible
When it comes to advertising your property, make sure it is clean and in tip-top shape, with all issues that need addressing sorted. Good pictures of beautiful properties will help you find great tenants quickly and fetch a better rent, while most likely creating a home that your tenants will want to keep renting. This ensures your investment.

Move with the times
Install USB sockets, energy-efficient appliances, and LED lighting. Smart meters, good insulation. Anything you can do to improve the energy efficiency of your property are in everybody’s interest. Many tenants are concerned about the cost of bills at the end of each month and will pay more in rent for a more efficient home.

The value of a great letting agent
A good letting agent will find the right tenants for your property. Whether you are renting one home or have a large property portfolio, a managed service is a smart move to make. You can choose what level of managed service you want. Finding good tenants and taking care of references, deposits, and everything from maintenance to inspections is no easy task. With a managed letting service, your investment is in safe hands, leaving you with more time for the more important things in life.

A managed letting service is the best way to move forward
As the Renters Reform Bill passes through Parliament, the future of letting your property will improve. The entire industry is being overhauled, making life easier for good tenants and good landlords. Bad landlords will find themselves forced to improve their practises. By using a managed letting service, you are already halfway to achieving great returns while minimising risk. Meeting all the current legislative changes is not something to be feared. Having an expert on your side so you can make the most of these changes ensures that your investment will thrive.

Are you a landlord, or do you want to take your first steps on the buy-to-let ladder?

Contact us today so your investment can flourish.

Zoopla*

Landlords, do you want to know how to rapidly expand your property portfolio?

The demand for your rental property is huge right now, with demand per available property spiking last year by 250% above the 5-year average, while the demand for rented homes remains 10% higher than this time last year.* Interestingly, many landlords who have reached retirement age are selling part or all of their portfolios, giving you the chance to rapidly expand your portfolio with rental-ready properties.

Rents are increasing
Your investment is secure. Rents have increased by 20% in the past three years, increasing by 11.1% in the past twelve months to March 2023.* This means you have the financial means to reinvest in your portfolio, finance improvements, and meet legislative changes. With such great returns on investment, you are a safe bet for banks.

New opportunities
Smaller, more energy-efficient homes are in demand; increasing numbers of students are looking for accommodation; and a widening demographic of people are renting for longer. With larger homes arriving on the market with good scope for negotiation and development, the opportunities are endless. It’s no secret that larger homes are selling a little more slowly than those in the first-time buyer market. The opportunity to buy a larger property and transform it into multiple lets is, provided you get the numbers right, a fantastic way to increase your rental yield.

More buy-to-let mortgage choice
There are over 2,400 different mortgage deals available if you are buying a property to let.* If you are buying an existing portfolio or an existing rental property, then you are far more bankable than starting from scratch. This will mean you can rapidly expand your portfolio without hesitation and established rental properties may have tenants living in them already.

Buy rental-ready properties
Some landlords who are retiring or have not done their research have been scared by legislative changes. Choosing to sell their rental-ready, buy-to-let properties gives you the opportunity to rapidly expand your portfolio. Every industry goes through big changes at some point. The Renters Reform Bill is currently passing through Parliament, and though it will not become law for some time, some less informed landlords are exiting the market, citing this and other legislative changes as the reason. The reality is that if you do your research, all these changes will protect your investment and create more opportunities for you to prosper.

Talk to your agent
Knowledge is the key to unlocking the secrets of success in the buy-to-let market. This is imperative in today’s reforming rental market. With so many changes taking place and so much to think about the right agent can guide you along the right road. A great investment starts with finding the right property, and that starts with the right agent. Managing your property and placing good tenants, which is becoming increasingly important, is something a good agent prides themselves on, not to mention local market knowledge and a vast database of buyers, sellers, and tenants.

Get in touch today to see how we can help take your property portfolio to the next level.

Zoopla*

Preparing your holiday home for the summer season

If you let a holiday home, you may already be fully booked for the summer. Holiday homes are in big demand, both to buy and rent. Perhaps you are in the fortunate position of owning a holiday home for your own personal use, or maybe you do both. Holiday homes, like any other home, should be special places where happy everlasting memories are made, but unlike your private dwelling you can’t put repairs or maintenance on hold. You want to make sure everything is in tip-top shape to get those glowing reviews, which will help fill your diary far into the future.

Create a check list
It pays to be organised when it comes to property. Inspect your property regularly. Start with the basics and create a to-do list. Using your phone is a good tip because you can take pictures of repairs or issues that need addressing to accompany your notes. If you need to hire help, this saves a lot of time if you live a good distance from the property’s location. Whether you keep notes on your phone or on paper, create sections. Needless to say, you want everything to be as perfect as you can get it. Check everything, from the garden to the bathroom. It’s most likely that you will employ a cleaner. Remember to listen to the feedback of your guests, perhaps by reading the comments book.

Safety checks and insurance
It’s really important to keep on top of any safety checks and to have the correct certification, from gas safety certificates to electrical testing. You want your guests to have a great time, but their safety is paramount. It’s important to take out the right level of cover. From public liability insurance to building and contents cover, you don’t want to invalidate your policy by not keeping up to date with safety checks.

Make your guests feel welcome
Making a good first impression immediately puts your guest in a great mood. Chocolates and a bottle of wine or champagne, depending on what level of the holiday market you are entering, are always a great way to make your guests feel welcome. Simply paying attention to detail and keeping your holiday home in good order is equally important. A good play area for young families, polished glasses, or a hamper when everything is spotlessly clean, drawers full of good cooking utensils, and a nice corkscrew all add up to make your holiday home sublime.

A managed holiday let service
Holiday lets can be extremely lucrative. At the height of the season and in many locations, all-year-round revenue can be very strong. You can charge significantly more for a holiday let compared with letting a rental property. This could leave room in your budget to use a managed service, which could take care of everything from bookings to maintenance, cleaning, and gardening. Holiday homes involve more work with your guests changing so frequently, so for many, this service is a must-have.

Finding the right holiday home
Finding the right holiday home for business purposes or for you and your family to enjoy starts with a good agent. Holiday homes today are not always idyllic cottages peering over the deep blue sea. From urban locations in the form of flats, apartments, and houses to country retreats, the right homes appear in all shapes and sizes. The sky is the limit when it comes to choosing a property, and that sky does not always have to be blue. Probably a good thing!

Browse our properties to find your holiday home this summer.

Summer loving for your rental home. Here’s how, with some TLC tips

Making a house your home is important and the great advantage of renting is that you will never be asked to fork out thousands on costly home renovations. Often, it’s the little things that you can do that will make a big difference. The number of people choosing to rent is increasing, and today there are so many affordable and interesting ways to make the most of your home.

Talk to your agent
A good first step is to talk to your agent or landlord. Many will be perfectly happy for you to paint or change wallpaper, so long as the work is carried out to a good standard. Others may not permit this but allow you to add shelving or improve the garden. It’s always best to check specifically on whatever it is you have in mind to improve.

Flowers, plants, and herbs
Keeping your home in good order, keeping it clean, and paying your rent on time will keep your landlord on side. In time, that could lead to more freedom to make the changes you desire. Adding a few plants to your sitting room and bathroom or your favourite flowers to the redundant fireplace at this time of year will add vibrancy. Why not grow some of your preferred fresh herbs in the kitchen or a tomato plant and fill your home with delightful scents?

Lighting
The choice of lighting available on the market today is endless. From outdoor solar lanterns and free-standing table lights for inside, to scented candles for either. Get creative and let your imagination run wild; use lighting to create mood and atmosphere for relaxation or task lighting for when you need to focus.

Garden
Perhaps it is stated in your contract that you are responsible for the garden. If so, you may have more room for creativity. Plant your favourite plants and add some sculptures of pieces that you love. Hang some lanterns or grow some of your favourite fruits in pots so you can take them with you if you decide to move.

Create an outdoor living space
If you have a balcony, backyard, or substantial garden, add vertical gardens filled with the flowers, fruits, herbs, or plants you love. Add some candles, outdoor furniture, a pizza oven, a firepit, or a barbeque. Perhaps yoga is your thing, and you want to add a small portable water feature to complement the sound of relaxing music.

Furniture
If you are buying furniture for your home, it’s always a good idea to think about how adaptable it is. Neutrally coloured, modular furniture that can easily be rearranged for your next move or to simply change with the seasons when you fancy moving things around for summer.

Wallpaper panels and wall hangings
If you can’t change the wallpaper, then simply make or buy some wallpaper panels or wall hangings. Decorated to your design and tastes, they will make a big impact and are a cunning way to hide any imperfections.

Prints and pictures
Hanging photographs of special moments or places you are passionate about is a relatively inexpensive way to add something special to your home. A perfect sunset in a place that you love, captured in a photograph, will brighten up your walls. When combined with the right lighting, such details add serenity to your mood and increase your feelings of well-being.

Mirrors and murals
Mirrors will add light and space to your rooms, making them appear larger. Experiment with the various styles of mirrors now available or place them on opposite walls and enjoy the effect! Murals work well in children’s rooms, making a big impact without any permanent changes.

Add a bit of you
This is really important; your home, whether it’s rented or owned by you, should tell the story of your life. Display your passions, collectible pieces from your travels, and the flowers and colours you love. There is no right or wrong when it comes to decorating; simply make it work for you, and others will most likely love it too.

Renting a new property does not take long.

Browse our properties to find your perfect place today.

Thinking about adding an outdoor kitchen or dining area to your home?

There is no doubt that even in this sometimes-rainy climate, alfresco dining has increased. Outdoor living spaces are what you make them, and today, the scope for creating your perfect outdoor space is limitless. An outdoor kitchen makes a lot of sense for a UK-based property because it creates a sheltered area for you to enjoy even if the weather is changeable.

Add a pergola
A good move is to build a pergola to shelter your kitchen; that way, you could potentially use it all year. Place your kitchen against your garden wall or simply arrange it however it feels comfortable for you, but keep in mind that you want your outdoor kitchen to be a sociable space so you and your guests, family, or friends can chat and get involved in your evening.

The size of your space is not important
You don’t need to have a vast outdoor space to build an outdoor kitchen; in fact, sometimes the more compact the space, the better. There are a huge variety of ovens, barbecues, and electric hobs to choose from. Anything goes, so design it your own way. If pizza and wood are your preferences, consider building your kitchen with wood, leaving space for a pizza oven.

Build around the barbeque
Perhaps you like a traditional, real charcoal barbecue. Build your own barbeque using bricks and match them with some walls that will support your food preparation areas. You may decide to make your work surfaces moveable so that they can be stored in the shed during the winter months. On the other hand, you may own a feature barbeque, and that could be the centrepiece of your kitchen.

Make it a moveable feast
Using free-standing tables or wheeled furniture is ideal if you are planning on setting up your kitchen for a few months, a few hours, or forever. If you love tiles, then tile a table or source one. There are plenty of furnishing options that can complement your dining table.

Two in one
If you have always liked the idea of having a bar in your garden or outdoor living space, consider building it large enough so that it could also serve as a kitchen. That way, you will have solved two problems with one simple solution. Build it yourself or buy it, then stain it, and it will last for years. Add some bar stools to make it a social hub for your friends and family.

If you build, do you need planning permission?
The short answer to this question is no, as long as you don’t exceed 2.5 metres in height and your structure is less than 2 metres from your property. The positive aspect of building something more solid is its durability and all-year-round usability. Add an outdoor heater or log burner, and you could feast even when it snows!

Will an outdoor kitchen add value to your home?
Any improvements you make to the outdoor living spaces of your home will most definitely add to its value. Creating outdoor spaces that seamlessly flow from your home's indoor living spaces is becoming a must have. No longer an unattainable luxury, making them highly desirable and sought-after.

Browse our properties to find a home with the perfect indoor and outdoor living spaces for you.

Average seller asking prices fell by £82 this month – is this a good thing?

In June, average new seller asking prices fell by £82 (-0.0%).* The summer property market always heats up and then takes a little sidestep as the holiday season kicks in. However, the average price of a property coming to the market jumped in May by +1.8%, which was higher than expected.* This is yet another sign the summer property market is performing well, and now is still a good time to choose the home you want. But how does this act as a breather and benefit the market?

Buyer demand
During the first two weeks in June, buyer demand was 6% higher than the same period in 2019’s pre-pandemic market.* So if you are thinking about putting your home on the market, now is a great time to do it. Prices are still strong, and your property will have increased rapidly and significantly in value over the past few years, so you will achieve a great price.

The property market takes care of itself
It’s not always healthy for asking prices to constantly grow month after month. The summer property market is hot enough, and it’s better for it to be stable rather than overheat. A little splash of modesty reassures the market and simply brings it back to where it should be if the market gets ahead of itself.

The property market takes care of you
The market has had a lot of challenges, yet it remains resilient. As it slows in pace, this creates a much more predictable environment. This means sudden changes are unlikely, meaning you will not get caught out when achieving a good selling and asking price when you are in between homes.

Better negotiating power
When the market pauses and it’s time to make an offer, you have a better chance of getting well-calculated offers accepted. Your agent will know the market inside and out and can advise you on an up-to-the-minute pricing strategy.

Does the price really matter?
Price and affordability are very important when considering which home to buy, particularly if you are taking out a mortgage. The value of property increases and decreases slightly in the short term but always rises significantly in the long term. So in many ways, it’s about affordability, not property price rises.

Can you put a price on happiness?
Finding the right home that suits your needs and desires is important. You will most likely spend many years of your life in your new home. Your property is more than bricks and mortar or an investment; it’s a living, breathing part of the family.

The law of averages
You are not a number, and neither is your home. Each person’s home is as unique as they are. It could be that you surpass all your property expectations. Whether this is from achieving a great asking price or simply finding a home that fulfils your dreams for a lot less than you imagined. As the market stands, it’s not about making quick money but rather buying an awesome property and making the most of it.

Browse our properties to view the homes you could be missing out on.

Rightmove*

Could waiting to buy your new home cost you money?

Making decisions can be difficult at the best of times. Buying a home is a big decision, so you can’t be blamed for becoming a little pensive or perhaps even anxious about making your move. Deciding whether you are going to move now or wait and see what happens is a dichotomy for some buyers. As soon as you turn on the news, you will no doubt be bombarded with the cost-of-living crisis, another interest rate rise, or another reason to worry. It’s little wonder some people decide to sit on the fence. But could doing that cost you more money?

Waiting for interest rates to fall may not save you money
There is little doubt that we have been spoiled in the past with ultra-low mortgage interest rates, and many analysts argue that they will never fall to this low level again. Inflation is falling, which will lead to a reduction in interest rates in the near future as the Bank of England expects inflation to fall to 5% by the end of this year.* In the meantime, as interest rates increase by small amounts, if you are not on a fixed-interest deal, your mortgage will increase. But while these small increases may feel unfair and, for some people, mean squeezing their budget, they could be insignificant in the face of rising house prices. Interest rates are also peaking, which means in the not-too-distant future they will come down.

Rising house prices balances your budget in the long run
Most people who buy a home in the UK will keep it for many years. House prices may fluctuate just as interest rates do. Despite the numerous recent rises in interest rates, average asking prices in May this year increased by 1.8%.** Interest rates are peaking, which means they will shortly begin to decrease. As interest rates and inflation continue to fall, house prices will ascend again. So, if you are waiting to see what happens, you run the risk of paying more for the home you want in the future. In February 2013, the average UK house price was £167,682 in February 2023, that figure stood at £288,000. *** Set against this longer-term perspective, if there are sudden and significant changes in the market, the reality for most homeowners is that their properties' value in the long run will cover the cost of these short-term increases in interest rates.

Properties are unique
There are no hard-and-fast rules. Local property markets are layered with unique and differing qualities. Whatever the national economic conditions are, the potential to gain equity in a home due to its condition, location, or potential can secure your investment in the face of challenging times. The possibilities are endless, and there is always room to buck the trend in a big way. The only limit is your imagination.

Mortgages
There is a huge choice of mortgages available on the market. Knowing that you can change your deal or re-mortgage when interest rates fall again has made some buyers think outside the box. Options such as porting, 35-year mortgage deals, green mortgages, 100% mortgages, and interest-only mortgage deals could decrease your monthly outgoings - if that is a factor when it comes to buying the home you want now. In the grand scheme of owning your home, high interest rate costs will essentially evaporate over time.

Are you fed up with waiting to make your big move? Browse our properties today.

Bank of England*
Rightmove**
Office for National Statistics***

Demand for apartments and flats is reaching new heights!

With fantastic views, minimal effort, and trendy, modern, and classical designs, apartments and flats are as appealing as ever when it comes to buying a place to live. So, it’s little wonder urban areas and remote locations are seeing healthy levels of interest in this convenient way of living.

Demand for one- and two-bedroom flats across the UK increased from 22% to 27% in the year to February 2023, while one- and two-bedroom flats for the same period in London accounted for 49% of demand.* There are a number of reasons for this. Easy living
If you don’t want to be weighed down by a big mortgage or large monthly bills, flats are the way forward. Often located near good transport links, shops, and amenities, adding to a potentially great social life with bars, pubs, and other apartment owners on your doorstep, life can be easier and potentially more fun than living in other forms of property.

Low maintenance
It’s most likely you will not have a garden to worry about, and if you do, it could be maintained for you. Alternatively, you may enjoy a balcony as an outdoor space, in which case you can enjoy the novelty of good views and a different perspective on things. It’s easier to keep on top of cleaning with little or no maintenance involved.

Cost of living
As interest rates rise and the cost of energy soars, although right now some of these expenses are at last reducing, simply heating a flat often costs much less than even a modest terraced house. Decorating and revamping an apartment is most likely to be more affordable.

First steps and more
Typically the domain of first-time buyers or perhaps individuals who have chosen to retire, apartments are becoming increasingly popular with a broader demographic as they improve in size, quality, and location.

A great investment
The demand for flats and apartments is always high. If one day you wake up and decide you want to rent it out, you are guaranteed to get a good income without facing costly maintenance bills. And because of this rental and buyer demand for properties of this type represent a stable investment.

Energy-efficiency
Consuming less energy for heating and lighting thanks to good insulation and proximity to other buildings makes flats more energy efficient. And if they need updating to improve this, then those costs are also significantly less than for larger properties.

Downsizing
Many people are downsizing. Perhaps the family has flocked the nest. An increasing number of people choose to live life as an experience, want to spend more time and money travelling, have hobbies or work in many locations throughout the world, and don’t want to be tied down.

Outlook for the future
The UK property market is proving resilient and offers a huge diversity of architecture and property options for you to choose from and enjoy. Whether you buy a flat as a buy-to-let, as a private dwelling, or both. Demand is expected to grow solidly well into the future.

Looking for a house or an apartment? Browse our properties to find the one you want to buy.

Zoopla*

Ever dreamed of living the fairy-tale in your own castle?

Dreams can come true. It does not have to be a winning lottery ticket, a phenomenally successful business, or making it as a world-famous actor, artist, or athlete that provides the means of living a fairy-tale life in the castle of your dreams. The UK is a land full of castles and magical homes that are the envy of the world. With that in mind, here are a few ideas to make your dreams of owning a castle a reality.

Buy with others
With some castles on the market in the UK hovering around £1 million, it’s a tempting idea to buy with a selection of family or friends. Sharing the costs, particularly those associated with repairs and maintenance, could be achievable with the right approach. There is scope to become self-sufficient when producing energy, and the more people that share the costs, the less the financial burden. Creating a strong, legally binding contract between those you trust will allow you to live an enchanted lifestyle without any worries haunting you at night.

Create the ultimate holiday destination
Indoor and outdoor space are not going to be in short supply. You could create holiday apartments and rooms and develop a hotel or guest dwelling. Outside lodges and camping may be a possibility, as may purpose-built holiday lets. The revenue created from these is always in demand and can be very lucrative all-year-round.

Create a spectacular place to live
Many castles have a vast number of bedrooms; some of these could be converted into flats or apartments, which would provide you with an exceptional level of income as you could share the dream with people who do not or can’t afford to buy a castle. Many people love the idea of living in a piece of history, with all the accompanying grandeur, without the fear of living in such a vast property, especially at night when it’s time to switch off the lights.

Become a food supplier
The UK is a world-leading producer of artisan food, from beer to bread, berries to beef, sweets to savouries, and vegetables to vegan products. What better way to become self-sufficient while supplying fresh and healthy food to domestic and overseas markets while making highly lucrative returns?

Create a day out
The possibilities are endless. From historical tours and outdoor activities to hosting sporting events, ghost hunts, and artists’ weekends to facilitating conferences and the events of organisations and clubs. Wedding venues, nature walks, health retreats, fishing weekends, to murder mystery weekends. Create a diary of events and make your castle earn its keep.

Find an investor
Having a strong vision for your castle is everything when it comes to finding an investor. The more detail you can provide with projected income leading to profits, the more likely you are to find an investor. As time goes on and a business is born, banks are more likely to get on board, which will allow you to take full control of your destiny.

Whether you want a cottage, a castle, or something in between, find your dream home by browsing our properties.

How do the summer holidays affect the property market?

The early summer months are traditionally a busy period for the UK property market. It’s a gorgeous time of year to view an abundance of beautiful properties. Many people are on the move. While it’s still a hive of activity with a huge choice of homes, the property market takes a little summer siesta as homeowners take a holiday. This gives you a chance to make your move. But don’t be fooled into thinking it will last for long, so if you want to take advantage of it, you need to be quick.

The summer property market is resilient
The summer market is vibrant, with the average new seller asking price falling by just £82 (-0.0%) in June to £372,812.* Despite the various challenges, including rising interest rates and the cost of living, the property market is resilient and in good shape. This change in prices is negligible in percentage terms, and a side-step can be a healthy pressure release that allows the property market to cool off.

View your ideal home from the beach
Sometimes getting away from it all can help bring about clarity of mind, which is very useful when you are making big decisions. Perhaps the beach or poolside is the perfect place to peruse your potential properties. And a good time to discuss your big move with your partner while you are away from the hustle and bustle of everyday life.

Enjoy quieter roads to your new home
With schools closed for the summer, the roads become quieter, and you can drive to viewings with less stress. This means you can relax a little more and take a bit more time to enjoy your viewings. With an increased sense of calm, talk to your agent, who will expertly guide you through your potential new home and anything that helps you with your home move.

Leave your agent to sell your home while you take a holiday
Hop on a plane, boat, or if you’re jumping in the car to drive to your holiday, whatever you are doing if you have made the decision to sell, leave it with your agent and enjoy your holiday. Perhaps by the time you return, your house will be sold.

Make an offer with less competition
With fewer people around, you may be able to open the door to making an offer below the asking price and getting it accepted before others have even viewed the property in question.

It’s the perfect moving season
With more family members to assist your big move and longer, warmer days to enjoy once you are settled in, the summer is perhaps the best time of year to move. And you may be able to save some money on home removal costs with more hands to help. If you hire a removal company, you may find it easier to find the right help.

Enjoy your new home
When you have finally moved into your new home, you may still have time to make the most of it during the warmer months of the year, when utility bills are a little lower. Any outdoor improvements, from weeding the garden to adding to your outdoor spaces and simple maintenance, can become a joy rather than a chore.

Take advantage of the summer holidays and find the home you love. Browse our properties.

Rightmove*

Interest-only mortgages are a good move to make for landlords

If you are a landlord and are frustrated by the continuous rise in interest rates when all you want to do is start or expand your property portfolio, taking out an interest-only mortgage could be the answer. Many seasoned landlords choose this option when investing in property, even during the good times when mortgage interest rates were ultra-low.

Demand is incredibly strong
A survey conducted by paragon of 700 buy-to-let landlords found that 67% reported tenant demand over the first three months of 2023, up from 65% for quarter four of 2022.* Rents are increasing all the time, and one of the main reasons for this is rising interest rates. As a landlord, this will most likely be your biggest expense.

What is an interest-only mortgage?
Just as the title suggests, you only pay the interest and not the capital on an interest-only mortgage. At the end of the agreed-upon term, you must pay off the entire balance owed. Because you are only paying interest, your payments will be much cheaper compared with a capital repayment mortgage. Some landlords choose to sell their property to repay the outstanding balance.

So why choose an interest-only mortgage?

Increased profit: if your payments are lower, there is far greater scope to make a profit from your buy-to-let business. This also gives you stability and lowers the price of your overheads, which could be less than half of that when repaying a capital and interest mortgage.
Overpaying: while it’s possible to make overpayments on an interest-only mortgage, this will typically only reduce the amount of interest outstanding on the mortgage. If you choose to do this, your profit will increase further, giving you more options to expand your portfolio.
Your property’s value: in the long term, property increases in value. It’s not an absolute guarantee, but if you look into the past, despite short-term rises and falls, property values have significantly increased. This is not expected to change in the future. Therefore, it is reasonable to assume that at the end of the term of your mortgage (or if you sell up half or part way through your investment), there will be a profit between the capital outstanding balance on the amount you owe your lender and the selling price of your property.
You can develop and improve the property: with more profit to plough back into your property, you can develop it. This will add to its value, ultimately increasing how much rent you can charge. And when it’s time to sell up and move on to bigger and better things, you will achieve a greater return on investment. The greener you make your property, the more rent it could fetch while future-proofing your investment.
Security: preparing for the unexpected is a sure way to protect your investment. And by choosing an interest-only mortgage with fewer outgoings, you are already in a better position should the unexpected occur.
You can always change mortgages in the future: as you become more seasoned as a landlord, you may devise a strategy so that you own your buy-to-let property outright. There is nothing stopping you from changing your mortgage type after a few years. And in the meantime, use the profit you make with an interest-only mortgage to use as a deposit, reducing the cost of a capital and interest mortgage.

Browse our properties and create the buy-to-let portfolio you have always wanted.

Paragon*

The benefits of renting with a letting agent

Finding the right property is so important. You want to feel happy, content, and safe in the place you call home. And sometimes it’s not easy to find everything you're looking for under one roof.

A greater choice of properties
A good chat with your agent is always a great way to start your search. When all is said and done, it all starts with finding the right home for you. Agents often know about properties that are coming on the market before they are advertised. This means you can get an early notification on a property that could be ideally suited to you before it’s snapped up. And by telling your agent what you are looking for, they become another pair of eyes in your search. If you do all of this yourself, you may miss an opportunity, and agents are good at pointing out something you may have missed. Or opening your mind to a property that you may not have considered.

A friendly and supportive team
It’s good to have an ally when renting a home. Agents only use good, law-abiding landlords, and it’s a comforting feeling knowing that there is someone else on your side. Often with an entire team of people who have your best interests at heart. It means you never have to worry about getting in touch with your landlord; simply call or get in touch with your agent, who will have a dedicated team to take care of everything for you. From protecting your deposits, the health and safety of the property, and maintenance to understanding your rights and responsibilities, your agent will have your back.

Letting agents have to be compliant
Like so much in life today, there are lots of checks that need to be carried out. And using an agent ensures that all necessary checks on the property you want to rent have been carried out. From gas certificates to smoke alarms and references to your deposit, all other checks will be carried out to a high standard, so you don’t have any sleepless nights.

A good tenancy agreement
Knowing your rights is important and having them backed up with the right contract is imperative. Sometimes contracts can be confusing and cryptic. Good agents will explain your rights and make sure that your contract is in your best interests. And if you have any worries or concerns, they are just a phone call away.

Maintenance issues will be solved quickly
If your property is managed by your agent, then when it comes to repairs or emergencies, a good letting agent will most likely prevent these things from happening in the first place. But if unforeseen repairs come about, you can rely on them to take care of things for you instead of trying to get in touch with your landlord.

Agents keep up with trends and legislation
Not many things in life stay the same, and with the Renters Reform Bill on its way, understanding your rights has never been more important. It’s one thing to understand them, and it’s another to implement them. Agents are aware of constantly evolving legislation when it comes to energy efficiency as well as new trends, and all these things add to the quality of your life.

Accompanied viewings with an expert
Many good agents will accompany you on viewings, and this is the length to which agents will go to make you feel happy about your choice of property. You can explore your new home while asking as many questions as you like. This gives you a chance to get to know your potential new home in detail before making a decision. It’s this dedication to detail and personal service that, for many, makes a good agent a must-have.

Get in touch with our team of property experts today to see how we can help you find the best version of your home.

The virtues of virtual house viewings

No matter how advanced technology becomes, there is nothing quite like face-to-face property viewings. This is particularly true because you can get a sense of how you feel about the property, and when you are investing a lot of money in bricks and mortar, you can’t be blamed for wanting to get up close and personal with it as much as possible. But with all that said, virtual viewings have many great benefits and can enhance your home-hunting experience.

There are a few ways you can conduct virtual viewings
Virtual tours are an established part of viewing properties online, and you can easily move about inside your potential new home online with most agents offering 3D viewings. Thanks to WhatsApp, Facetime, and Zoom, bespoke real-time video tours with your agent can easily be arranged, with the advantage of being able to talk to your agent as you view the property. You can ask as many questions as you like and direct your agent to certain features of the property.

You can conduct virtual viewings from anywhere
It could be that you are just on the other side of the city or that you are too busy to stop everything to attend a viewing. Wherever you are in the world or whatever you are doing, you can explore your potential new home or investment, and that saves you a lot of time and money if you are working or located overseas. Gone are the days when you had to fly home before you made a decision or an offer.

Virtual viewings when you are selling
If you are selling up and you don’t like the idea of lots of people coming to your house to view, then virtual viewings can help. And if you are conducting your own viewings, you will not have to be home quite as much, so you can get on with life more easily.

Virtual viewings can give you more time
By arranging a virtual viewing, you are giving yourself a chance to quickly get to know your potential new property. This then gives you a little breathing room to think and compare your choices.

You don’t have to wait before you make an offer
If you love what you see and want to make an offer on a property, you can do it there and then. If you are in competition with other buyers, this can be helpful in getting to the front of the queue. Your agent, solicitor, or conveyancer can take care of the rest.

Virtual viewings can be used in conjunction with face-to-face viewings
You may view many properties virtually until you find what you are looking for. And if nothing else, virtual viewings help you narrow down the final contenders for the big decision. There is nothing to stop you from conducting a face-to-face viewing before you make an offer.

Top tips on preparing your house for sale during the school holidays

Preparing your home so that you can create priceless happy memories during the summer months ensures all members of the family are free to roam and play in a safe and fun environment. It also reduces stress levels when younger members of the family spend more time at home and can become a rowdy bunch when not at school. And if, like many people, you are considering moving to a better home, keeping it in order will help you achieve your moving goals. So, here are a few tips to help you make life easier.

Create some space
A change is as good as a rest, and moving and rearranging the furniture in your home to make it safer for your little ones to play will also showcase your indoor spaces for potential buyers. It may also give you some ideas on how to make better use of the rooms in your home while clearing out any no longer needed or tired furniture and other items.

Clean and de-clutter
It’s incredible and sometimes hard to believe how much space the little things in life take up. From bottles to utensils on kitchen worktops—things that you want to be out of reach of curious children—to old mail and the never-played-with-any-more toys. Cleaning is something you will be doing a lot of at this time of year, so why not go to town and clear out the closets and give everything a good clean? This will make it easier to maintain levels of hygiene, and cleaning up after the kids will be much easier. Your home will also look and feel more appealing during viewings.

Create a list of activities
By being organised, you can plan your day to fit around viewings. This will help prevent boredom for you and your family! It also gives you the means to plan your day and break different activities into manageable chunks, giving you all something to look forward to.

Sort your outdoor spaces
These are hugely important to buyers, and they need to be safe with no sharp edges for your buyer’s family as well as yours. Creating a perfectly amenable family dining area will give you a great place to enjoy happy alfresco memories. Outdoor spaces should naturally create a seamless flow from the indoors to the outdoors. If your home is very much a family home, perhaps a tree house could mean the new owners bought two homes for the price of one.

Make the most of your garden
There is little chance the children will want to help you these days! But if they do, what a bonus! That said, even if you are not a keen gardener, you could inspire younger members of the family with interesting flowers or fruit trees. Weeding and lawn cutting are a must to make the most of your garden’s appearance, but no prizes for guessing who will get that responsibility.

Will all this help you sell your home?
Absolutely; it’s all about achieving your asking price. And the numbers in property are big, so every little thing you do adds up to make a big difference.

Get in touch to see how we can help your family create a thousand wonderful memories by finding your perfect house.

Why buying a bigger home could be better

Perhaps you need more space for your dogs, horses, or hobbies, and you want a house in the country. It could be that you are moving to the suburbs or need more space for your growing family. Whatever your reasons for buying a bigger property, now could be a good time to take the plunge so you can upgrade your home and enhance the quality of your life.

You could get more house for the same money
If you decide to move from an urban area to a more rural location, then you may be able to get the house you have always wanted for the same price as your current home. At the very least, your money should go further.

You could get a bigger discount
Demand for bigger homes in May was 1% lower than it was in 2019, compared with first-time buyer homes at 6%, and homes that fall between these sectors at 3% above 2019 levels.* Larger homes have always had greater scope for bigger discounts on asking prices. But right now, with the market favouring smaller homes and larger homes selling a little more slowly, you may have quite a lot more haggling power when it’s time for you and your agent to make an offer below the asking price.

Larger homes can be very energy efficient
Modern homes have become so much more energy efficient. With better insulation and the potential to create self-sufficient energy sources, you no longer have to dread monthly bills. So, running a bigger home is not as expensive as in years past.

Bigger rooms and more of them
You will have more space for friends and family to stay over. You could get a lodger to provide another stream of income or if you need extra space for new additions to the family. Maybe you want a gym or a hobby room or are looking to create the perfect work-from-home space with an awesome view.

A beautiful garden with more potential
Finally, you can have the garden you have always wanted, and this is where your only limitation will be your imagination. Inspiration is everywhere, and there is so much more you can do with more space. From creating great outdoor spaces and dining areas to tropical gardens.

Larger entertaining spaces
When it comes to those special times of the year—indoor and outdoor parties—the options larger homes offer are endless. You may want to create a games room, a bar, or an awesome indoor entertaining area that effortlessly flows to a magical outdoor area.

The garage or workshop
If working from home involves more than a computer screen and a phone and you need a workshop or a garage for your classic car or hobbies, then your budget could allow you to enjoy more scope for outdoor buildings.

Create multiple dwelling places
Bigger properties can easily be divided up into smaller properties. Whether you are creating a space for a teenager or an elderly relative. Perhaps you are interested in letting a room or creating flats for a buy-to-let business.

Browse our properties to find the home that fits your requirements perfectly.

Rightmove*

Why letting agents could hold the keys to success for landlords

The buy-to-let market is undergoing many changes. Demand and rental prices continue to grow, with average asking rents outside of London rising for 13 consecutive quarters at £1,190 per calendar month, for new tenants during the first quarter of 2023. * This is good news for landlords because the increasing costs of interest rates and energy efficiency reforms are covered, and profits remain strong. Many of these changes and reforms can feel unsettling for landlords, which is why a good letting agent has never been more important. This is because, in order to protect your rights as a landlord, your property needs to be managed properly.

The Renters Reform Bill
This is on most landlords’ minds now and a cause for concern, but it needn’t be. Introduced to Parliament on May 17, 2023, but not expected to become law until October 2024. Its aim is to improve the lives of 2.3 million landlords. ** Section 8 will be strengthened, which allows landlords to end tenancy agreements early if they have good reason to do so. Despite the fears some have expressed about abolishing Section 21 "no fault" evictions, the reality is that it will make it easier for landlords to evict tenants for anti-social behaviour and repeated missed rent payments. And with the new legislation in place, landlords can insist on their tenants' pets having pet insurance, certificates, and, in the case of dogs, being microchipped. Landlords will be able to increase rents after a notice period. To make the most of this reform, landlords need to be compliant. By staying on the right side of the law, the law will protect you, ultimately helping you thrive as a landlord.

Referencing tenants
Agents have a database of tenants waiting to rent your property. But they will not do so unless the right screening process has been followed. Placing good tenants in your property is imperative and reduces the risk of any tenants who could act unlawfully while renting your property.

Experts on the property market
Agents know how to maximise your rent by understanding the market. From knowing which areas to invest to tips on making the most of your property. Expert agents who deal with tenants every day can protect your investment by understanding the competition and the latest trends.

Maintaining your property
Your property will be kept in tip-top shape by a team of reputable contractors who have a long-established relationship with your agent. Arranging inspections will give you peace of mind, and keeping your tenants happy will save you time and money by preventing costly repairs.

Preventing and sorting any disputes
By using an agent, your property, contract, and tenant placement processes will be kept compliant on all levels. This reduces the potential for any disputes, and if they do arise with an agent’s team behind you, any conflicts will be resolved quickly.

Time management
Managing property can feel like a full-time job; perhaps it is. From marketing to maintenance, contracts to conflicts, agents will save you time, stress, and worry. This frees up your time so you can concentrate on other aspects of your life, such as expanding your property portfolio while protecting your investment.

Excel as a landlord and embrace the changes that open doors of opportunity by contacting us today.

Rightmove*
GOV.UK**

Worried about rising interest rates? Here are a few things you can do

Many people are on fixed-rate mortgages right now, and with the current rise in the base rate, it’s a good thing because it means your mortgage will not increase. But what if you want to move now and take advantage of the huge choice of inspiring homes available, and your mortgage deal is coming to an end?

Why another increase in the base rate?
The Bank of England raises the base interest rate to curb inflation. Inflation is the increase in the cost of goods and services, or the cost of living. The idea is that an increase in interest rates means more people will save instead of spending, which reduces inflation as there is less demand for goods and services. The rate of inflation is still way short of the Bank of England’s 2% target, but the bank expects inflation to fall to 5% by the end of this year.* There are a few reasons for this. Wholesale energy prices have fallen, and the price of imported goods is expected to fall as production issues are resolved and there is less demand for goods and services in the UK.

Here are a few things you can do now:
Interest rates may be a little on the high side now, so if you take out a mortgage now, there is nothing to stop you from changing your deal in a couple of years when rates are more favourable. In the meantime, here are a few options for you to consider:

The Mortgage Guarantee Scheme: extended until the end of December 2023, this government-backed scheme has helped over 24,000 households get on the property ladder.** Its aim is to help people with a 5% deposit, and it was launched in April 2021. Aimed at first-time buyers, it’s similar to the government’s Help to Buy scheme, which ended earlier this year. So, if you want to take advantage of it, you need to be quick.
35-year mortgage deals: increasing the term of your mortgage could bring down the cost of your monthly mortgage payments. You may pay more interest because you are taking longer to pay for the home you want, but a property that may have been out of reach may suddenly be in your grasp.
100% mortgages: saving your deposit is often the biggest challenge to getting a footing on the property ladder. With the return of 100% mortgages, you no longer have this hurdle, and that will save you a lot of time, meaning you can start paying off your mortgage sooner rather than later.
Interest only mortgages: another option to consider is an interest only mortgage, which could lead to much lower payments. If you have a lot of equity in your home, this could stand you in good stead when it comes to buying the home you want now.
Green mortgages: many mortgage lenders now offer more competitive mortgage interest rates for greener, more energy-efficient homes. This, combined with lower energy bills, means that you could save significantly on your monthly outgoings. This means that the EPC rating of your home has never been more important.
Consider porting your mortgage: porting allows you to move home with your existing mortgage. So, if you are happy with the terms of your current deal and it’s not about to end any time soon, then this could be a cost-saving solution. You may be able to borrow more, as many high-street lenders offer top-up mortgages. Speaking with your broker is important, as some lenders’ rules may differ.
There is always a way: it could be that you are in the fortunate position of not needing to borrow or are on a fixed-rate interest deal. With the huge number of mortgage deals available and inspiring choices in properties, it’s worth talking to your agent if you are determined to make your move now.

Browse our website if you are looking for the right home with the best possible team to guide you in any way we can.

Bank of England*
GOV.UK**

Can improving your home invalidate your insurance?

Insuring your home is crucial, as it's likely your most valuable asset, and rebuilding can cost millions. Homeowners often seek to enhance their homes, from adding fences to full extensions or new bedrooms. It’s vital that you inform your insurance provider of any changes to your home. Making changes may not necessarily raise your premium or impact your policy. Yet, insurance providers vary, so it's crucial to verify, as inaccurate information could void your policy.

Don’t confuse building insurance with contents insurance

Buildings insurance covers the structure of your home, like walls, roofs, and floors, and often includes fixtures and fittings. Your mortgage provider will insist that you have this in place as part of their terms. Not to be confused with contents insurance. This is coverage against theft or damage to your personal possessions, typically anything that is not attached to the building.

Renovating your home adds value

Extensive improvements or extensions can increase the cost of rebuilding in case of damage. Even if you make improvements yourself, inform your insurer. The vast array of home improvements you can undertake is never-ending. From adding glass door walls, attic conversions, a conservatory, extensions, adding more bedrooms, a new kitchen, or an outbuilding for your business. Consider these scenarios:

You need to inform your insurer before renovations are carried out

If your property is exposed to the elements as a necessary process of alterations, you need to inform your insurance provider immediately. If you have temporarily moved out of your home and it becomes unoccupied, you may not be covered after a certain time period.

Adding a hot tub

After a long day at work, this is a nice way to unwind, maybe with a little drink. But if you get out, slip, or fall and injure yourself, or worse, if a guest or a member of your family suffers a serious injury, then you need to be covered.

High-value items

High-value wall art or paintings fall under contents insurance and are not defined as a renovation. That said, these items can easily be overlooked, and if they are of high value, you need to inform your insurer.

Starting a business from home

Starting a home-based business, whether in outbuildings or within your home, requires notifying your insurer. If a fire, theft, or accident occurs due to the equipment you use for your business, your home could endure significant damage. By neglecting to inform your insurer, you could cause thousands of pounds worth of damage and be unable to claim.

Take the right steps

Inform your insurer
The first step if you are making changes or improvements is to notify your insurer before they start.
Review your policy
Update your policy, and always read your policy details to check the terms of what you are covered for. If you are still not sure, get in touch; a quick phone call could save you thousands.
Consider add-ons
Insurers offer valuable extras like legal coverage, protected no-claims bonuses, or bicycle coverage at competitive prices, providing peace of mind.

Final thoughts

It’s always better to be safe than sorry, and you need to notify your insurer if you make any alterations to your home. It’s also vital to take the time to talk to your broker, who can answer any questions or queries you have when it comes to finding the right policy for you.

Get in touch today for a tailored home insurance policy

Do I need insurance if I'm self-employed?

Freelancers and small business owners are typically self-employed. Being self-employed puts you in control of your destiny. This gives you more freedom, but with that comes extra responsibility and the risk of being personally held liable for damage to property, equipment, an accident, death, or injury, not to mention eye-watering legal costs. No matter what type of service or product you supply, it takes a lot of hard work to become successful. The last thing you need is for all that effort to vanish overnight for the sake of taking out the right insurance.

Types of business insurance for self-employed individuals are

Public liability insurance
This form of insurance is vital if your work involves interacting with clients, customers, or members of the public. It covers the costs of legal claims made against you for injury, death, or damage to property that occurs as a result of your business activities.
Professional indemnity insurance
If you provide advice, consultancy, or professional services, this insurance can be invaluable. It covers legal costs and compensation if a client claims that your services caused them financial loss.
Employers' liability insurance
If you have employees, even if they are temporary or part-time, you are legally required to have this insurance. It covers you against claims from employees who suffer injury or illness due to their work.
Personal accident and sickness insurance
This type of insurance provides financial protection in case you're unable to work due to an accident or illness. It can cover loss of earnings and medical expenses.
Business equipment insurance
If you rely on specific equipment or tools to carry out your work, this insurance can cover the cost of replacing or repairing them if they're damaged, lost, or stolen.
Income protection insurance
Like personal accident and sickness insurance, income protection insurance provides a regular income if you're unable to work due to illness or injury. It usually covers a percentage of your pre-tax earnings.

Does it matter which industry you are working in?

If you are a tradesperson or an office-based professional, in the retail or hospitality sectors, you will need insurance. Whether you are a barber or a solicitor, a freelance journalist or chef, a builder or a dentist, to mention a few, you will need to be insured.

Does it matter how big your business is?

From freelancers to small and medium-sized businesses, having the right business insurance is essential. The risks and impacts on a business are the same, so size does not matter.

Pros of being insured

Legal protection
Legal costs can cost millions, and even if a claim is unfounded, these costs could cripple your business.
A financial safety net
If you're unable to work due to injury, illness, or other unexpected circumstances, you will survive through those difficult times with the support compensation provides.
Gain more clients
Your clients or customers need to know that you are covered should something go wrong. For example, if you are a builder and make a mistake that costs thousands while renovating a property, you are more likely to get the contract in the first place if you are insured against such events.
Peace of mind
Insurance gives you peace of mind, knowing that you're prepared for the unexpected that could wipe out your business overnight.
Value for money
Insurance premiums are a small expense compared to potential claim costs.

Get in touch with a good broker

Many clients will insist that you have business insurance in place before they offer you work. A good broker will find the right policies for your business, no matter what industry you are in. Brokers have access to thousands of policies from many insurance providers. This means your business insurance, in all its forms, can be tailored to you.

Get in touch today to find the right insurance policy that best protects your business

Errors and omissions insurance

Errors and omissions insurance, also known as professional indemnity insurance, is essential to protecting against the cost and impact of legal claims against your business. It’s not a case of if mistakes happen, but when. And when they do, you need to be covered.

Understanding errors and omissions insurance

This type of insurance protects companies, employees, and other associated professionals from legal claims in the event of negligence, wrongful advice, or inadequate work.

Which businesses and professionals need errors and omissions insurance?

Typically, businesses that offer professional advice and services take out errors and omissions insurance. Lawyers, estate agents, accountants, software companies, healthcare companies and professionals are just some of the examples of businesses that take out this form of insurance.

Common reasons why clients could claim against you

Claims come in many forms, and there are so many pitfalls that could land your business in court. Here are a few examples:

Inaccurate advice, negligence, errors in the service provided, missed deadlines, misrepresentation, simple mistakes, a violation of good faith, and many more.

The financial impact of claims

Claims can cost millions and even jeopardize your business due to a simple mistake. Providing incorrect advice to a client can lead to bankruptcy. Compensation, settlements, lawyer's fees, court costs, and other expenses contribute to these significant costs.

Understanding omissions

This is the term used to describe a failure to perform a task or provide the correct information to a client, which results in them losing money. For instance, if an accountant fails to inform a client about certain tax laws. Other examples include failure to perform background checks or failure to get consent.

Is errors and omissions insurance expensive?

Every business is different, and each business carries various levels of risk. The cost of premiums starts at a fraction of the cost compared to the hundreds of thousands or potentially millions in legal costs in the event of a claim. This makes having this type of insurance a no-brainer.

The impact on your reputation

Negative publicity can harm your business significantly. Reputation insurance may mitigate financial losses in such cases.

Every business is different

Your firm or company will have a different client base than the next. Any organisation or business offering advice or services needs the protection of an errors and omissions insurance policy. It’s vital that you find the right policy that’s tailored to the unique needs of your business. Spending some time with your broker ensures that you create the best-tailored insurance policies, whether that’s errors and omissions cover, public liability insurance, business interruption insurance, or whichever type of cover you need. Insurance brokers deal with a vast plethora of insurers, giving you access to the right policies that keep your organisation or business from serious and potentially devastating financial threats.

How to insure your holiday home

It may have taken you years to make the dream happen. Whether it is a coastal retreat or a rural cottage in an idyllic country village, your holiday home is precious to you and your family. It’s important to find the right specialised insurance to protect what is most likely one of your most valuable assets. While there are many similarities between conventional home insurance and holiday home insurance, they are a little different.

What is the difference between standard home insurance and holiday home insurance?

Your holiday home insurance differs from your home insurance for your main residence, mainly because the chances are it will be unoccupied for potentially long periods of time. This increases the risk of burglary or damage to the property caused by the weather or issues such as a leak. If you are not there to keep an eye on it, then these issues could become costly. All insurers differ, so it’s vital to check the terms of your policy, which, for example, might allow the property to be unoccupied for up to 30 days before your cover is affected. To prevent this, you may decide to let your property to holidaymakers. This means you will need public liability insurance.

Types of cover to consider

When it comes to insuring your holiday home, there are several types of coverage you should consider:

Buildings insurance
This covers your holiday home's structure, including walls, roof, floors, and fixtures, providing financial aid for damage from events such as fire, floods, storms, or subsidence.
Contents insurance
Contents insurance covers the belongings you keep inside your holiday home, such as furniture, appliances, electronics, and personal items. It protects against theft, damage, and loss.
Public liability insurance
This is important in case someone is injured, or their property is damaged while on your holiday home's premises. This coverage helps with legal expenses and compensation if you're found liable.
Loss of rental income insurance
If your holiday home becomes uninhabitable, this coverage can compensate you for the loss of rental income during the repair period.
Home emergency cover
This type of coverage provides financial support for emergency repairs, such as fixing a burst pipe or a broken window.
Legal expenses insurance
If you find yourself in a legal dispute related to your holiday home, this coverage can help with legal fees and related costs.

Things to do when insuring your holiday home

Valuation
Find out the value of your home and its contents. It’s important to be honest and transparent with your insurer. The value of your contents will be covered up to a certain agreed-upon figure.
A good broker
Talk to your broker about your requirements and let them do the hard work of finding the right policy that best suits your needs.
Decide on the level of cover
Make a clear decision, weighing up the cost of your premium against the potential significant expenses if you're not covered.. You may decide to opt for add-ons for extra protection.
Get to know the terms of your policy
It’s vital that you know the terms of your policy. If you are ever in doubt or need clarification on the details of your policy, simply get in touch with your insurer.
Communicate with your insurer
If there are any alterations to your property or if you think your property will be vacant for longer than the terms permitted in your policy. It's important to contact your insurer.
Keep your receipts
It’s important to keep your receipts or photographic evidence of your furniture or other contents. This will make the claims process smoother.
Your annual review
Remember to review your policy annually before the renewal date.. Get in touch with your broker if you are looking for a better deal.

Looking for a great deal on your holiday home insurance? Get in touch

Should you add personal possessions coverage to your home insurance?

You are having a wonderful day at the beach with loved ones, making the most of a rare blue-sky day. After an awesome swim, you feel invigorated and return to dry off. You look for your wallet and phone that you carefully stowed away at the bottom of your bag. You can't find them! Have they been lost or stolen? Are these items insured? It’s easy to confuse what is covered in your home insurance policy with what is not. That’s why it’s vital to check the details of your policy. You might assume that your personal possessions, such as your wallet, watch, jewellery, and other items, are covered by your home contents policy when you are away from home. But that’s not always the case.

What is personal possessions insurance?

Personal possessions insurance covers precious valuables that you carry with you when you are out of the house and going about your day. So, whether you are commuting to work on the train or enjoying a family day out, the precious things you take with you are covered.

What’s covered?

Pretty much everything you bring with you is covered. From your clothes, keys, jewellery, phones, laptop or tablet, cash, wallets, handbags, purses, camera, and sports equipment to your guitar or any other musical instruments that you may play!

Items that might not be covered

All insurers are different, so check your policy, because certain items may not be covered.

If items get broken while they are being used, they may not be covered. For example, if you break your tent while putting it up on a camping trip or tear the sail on your wind-surfing board due to an accident. Your bikes will also likely not be covered. Some insurers may require you to obtain a separate gadgets policy to cover electronic equipment like your phone or laptop.

Going abroad?

It could be that your home insurance covers you for a certain level of travel abroad, but that may not cover your personal possessions. So, it’s vital that you check with your insurer.

Who is covered?

Typically, everyone in your household is covered by this policy. So that means if a member of your family is out for the day and their wallet or purse becomes lost or stolen, they are covered. But again, always check the terms of your policy.

It’s never too late

Almost anything can be insured. Discuss your needs with your broker to find the right policies. Insurance can save you and your family from devastating levels of expense with affordable premiums. Talking to your broker allows you to get the right policies in the first place, with a true understanding of what you are covered for. This helps prevent confusion and expensive errors. Remember, insurance policies can be adjusted or modified at any time by contacting your insurance provider.

Tool thefts are on the rise

Tool theft is breaking new records, with 78% of tradespeople falling victim to tool theft in the past year alone and only 1% recovering their full kit.* When times get tough, crime rates tend to increase. With the cost-of-living crisis, many more tradespeople are seeing their tools stolen. If you can't work because your vital equipment goes missing, then it can cost your business heavily. That’s why it’s important to get adequate insurance coverage.

The consequences of stolen tools

Your business could grind to a halt if you are unable to work without your tools.
Your business’s reputation could be damaged if you can’t complete a contract on time.
The cost of losing a contract due to delays or because you are not able to work can cripple your business.
Some tools are complex and require proper setup, which can result in additional time and money expenses.
With a shortage of raw materials, some tools may take longer to replace, which will delay your business further.
Whether you operate by yourself or employ a large team, it’s not good for your morale or that of your team if work stops because of missing tools.

Why is tool theft rising?

Your tools are in big demand
The resale value of your tools has never been better thanks to a shortage in the supply of some materials. This has put the replacement cost of these items at an all-time high.
Lack of traceability
Unlike cars or certain electronic devices, most tools can’t be tracked, making them harder to trace and recover.
Poor security measures
Leaving tools on display in the back of your van or through the windows of your premises makes life easier for thieves.
Tools are easy to transport
Many tools are highly transportable. Easily loaded into a van quickly and with minimal effort, your tools are an easy target.

How can you minimise the risk?
There are many things you can do to try and prevent your tools from getting stolen, and these measures may help reduce your premium. Use CCTV cameras, alarms for premises, secure parking for vehicles, lockups, and lockable storage that is not on display. Mark your tools with your business name or postcode and do anything else you can to deter thieves.

How can insurance help?
Replacing tools is an expensive burden that could harm your business. It may take years to invest in and build up the right tools for your business. Having the right policy speeds up recovery if they're damaged or stolen, keeping your business running smoothly.

Get the right policies at the right premium
Various policies protect your business from sudden financial shocks . When it comes to your tools, you may need a specific policy depending on their value and your existing policies. Consult your broker to tailor the appropriate insurance package, including commercial vehicle, premises, and public liability cover, safeguarding your investment.