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Your Move Property Blog

Thoughts, Opinions & Analysis of the UK Property Market

Scotland House Price Index Infographic - September 2014

September 17, 2014 12:07 by Admin

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Why Move to Canterbury?

May 9, 2014 13:54 by Admin

Are you considering a move to the South East of England? If so, Canterbury is a great place to start looking. Oft considered the spiritual centre of the South East, Canterbury is ideally located for those wanting to explore further afield or those wanting to enjoy all that Canterbury has to offer. And what is that exactly? Read on to find out.

History

No “Why move to Canterbury” article would be complete without a little history lesson. After all, it effects just about everything in the city!

Romans built Canterbury in 1AD, introducing gridded streets, a theatre, public baths and city walls. The Roman’s significant role in the history of the oven also meant that they brought their advanced cooking techniques, leading to Canterbury’s prolific pottery trade.

Later, Canterbury Cathedral was founded (597) and much later, Archbishop Thomas Becket was murdered and consequently canonised there (1170), making Canterbury one of the most notable cities for Christian pilgrimage. This pilgrimage became legend in Chaucer’s 14th-century classic The Canterbury Tales, and the city’s literary heritage was firmly secured when Christopher Marlowe (Shakespeare’s biggest influence) was born there in the 16th century.

Today, much of this history can be observed throughout the city. There’s the Marlowe Theatre, for starters, and Canterbury's skyline is still dominated by the Cathedral. Then there’s the ancient ruins of St Augustine's Abbey, St Martin's Church and Canterbury Castle – serving as reminders of the religious significance of this part of the world.

The great thing about Canterbury is how all of this rich heritage sits side-by-side with the qualities of a modern cosmopolitan city. For example, a medieval witch ducking stool can be observed on the River Stour, just near ASK, whilst the local Waterstones is home to the ruins of Roman baths, which can be found in the basement. These kind of ancient curios are all over Canterbury, you just need to know where to look.

Location

In terms of location, Canterbury ticks a lot of boxes. Lying between the city and the towns of Faversham, Whitstable and Herne Bayis the ancient forest of Blean- one of the largest areas of woodland in England at over 11 square miles. It’s also home to a druid woodland sculpture park and a 13th century manor house.

If beaches are more to your liking, the upmarket seaside town of Whitstable is just down the road and actually sits in the City of Canterbury borough. Whitstable has a fascinating maritime heritage. It hosts an oyster festival every year and many of the local restaurants serve locally caught seafood. It’s great place to spend a sunny afternoon if you enjoy quirky craft shops and real fish and chips.Bear in mind that the beach is pebbly, so if you prefer sand simply follow the coastline to the award winning beaches of Broadstairs.

Aside from the landscape, and for those keen to maintain contact with the Big Smoke, you can get from Canterbury to the centre of London in less than an hour thanks to the new high-speed railway. Overall, an excellently located city with state of the art connections.

Shopping & Nightlife

If the history and location of this place aren’t enough to make you want to move here, the shopping and nightlife options will.

Picturesque cobbled streets are home to delis, artisanal bakeries, boutique shops and art galleries – great for those who prefer independent businesses. Discover hand-made crafts at Siesta and local beer at the Old Buttermarket, or head over to the Moat Tea Rooms for an old fashioned afternoon tea.

If all of that sounds a little too quaint for your tastes, the ultra-modern Whitefriars Quarteris probably more up your street. Featuring all of the usual high street stores, Whitefriars Quarter was built in 2004 to cater to Canterbury’s burgeoning need for shopping space. These days, it’s the largest shopping centre in East Kent and ideal for those who prefer Topshop to a charity shop.

In terms of nightlife, Canterbury is great if you enjoy culture and an atmospheric drinking hole. There are plenty of highly rated pubs and bars that regularly host gig nights, cabarets and poetry slams. However, whilst there are a number of clubs, Canterbury is quieter than one would expect of a city. This will suit some people down to the ground, but if you’re a party-hard type, you might find Canterbury a little sleepy.

Schools

The city and surrounding areas are home to four universities, eight secondary schools and thirty primary schools.

Due to the number of universities, Canterbury is often bustling with students, giving it a very lively and youthful atmosphere. You can checkout Oftsted reports on local schools but generally speaking, it is much like the rest of the UK in that most are highly regarded, with a few problem schools and a few exceptional ones.

Property

Since the high-speed railway opened in 2009, Canterbury and its surrounding villages have been attracting property buyers who want to commute to London. With its abundance of period property and all of the above, it’s a very popular destination for home buyers.

What’s more, prices are distinctly cheaper than the other cathedral cities of Oxford and Cambridge. If you aren’t fussed about a central location, it’s also worth checking out the villages of Bridge, Bishopsbourne, Barham, ElhamWingham, Littlebourne and Wickhambreaux.

 

Do you live in Canterbury or are you considering moving there? Share your stories of the city below. 




Dealing With Estate Agents – Buy to Let Part 3 of 5

February 10, 2014 09:20 by Admin

Buy to Let - Part 3 of 5 - Your Move

Part 3 of our series on buy to let.  Below are some top tips on how to deal with estate agents when you are searching for your Buy to Let property

  1. Always remember the estate agent’s client is the vendor and they act for them not you.
  2. Where I work, we have  upwards of forty buyers registering with us each week. Not all agents are brilliant at managing their buyers so you (the buyer) have to stand out.
  3. Be specific as to what type of property you are looking for - why, where and when do you want the property.  This detail will enable the estate agent to do a decent job of logging details. If you’re looking in a specific area they operate in and want to buy now you’re a decent buyer.
  4. Make sure you don’t wait for the estate agent to call and keep in regular contact with them. If you ring the agent and keep them on their toes, when a suitable property becomes available you’ll be top of the list for getting in to view it.

Getting an Offer Accepted

  1. The market is fast moving and when a property is reasonably priced, it will shift.
  2. The reality is that anything less than 95% of the asking price in popular areas where supply is very short is unlikely to be accepted and you may end up going over the asking price.
  3. If you’re up against other buyers ask for the opportunity to make a best and final offer so there is closure, and always make offers subject to survey.
  4. It will also do you no harm meeting with the agent’s recommended broker provided they are whole of market (broker can offer a choice of lenders, representative of all lenders out there, rather than a broker who only deals with a limited panel of lenders) as they are trained to give you an end to end service and not just a great mortgage rate.
  5. Also if a solicitor is provisionally lined up, that will only help your cause as you will need to crack on with instructing your solicitor and broker as soon as the offer is accepted and sales memorandum issued.
  6. A good solicitor will be one at the end of the phone, is proactive, specializes in property transactions and is on the lenders panel of accredited solicitors.

By Simon Murray, Financial Consultant Your Move Surbiton

Buy to Let Part 1 - The Basics

Buy to Let Part 2 - Sourcing the Property




Most Common Help to Buy Questions Answered

January 14, 2014 12:14 by Admin

With an increasing number of banks and building societies offering Help to Buy mortgages, Your Move Chris Stonock are seeing a rise in the number of queries about the scheme.  To help answer questions, our Financial Consultants tell us the most common questions they are asked.

Is there a catch with Help to Buy?  What else is involved?

Steve Lynn, Financial Consultant for branches in Houghton le Spring and Washington, said, “there are lots of terms and conditions attached to the Help to Buy mortgage schemes.  As well as requiring a minimum 5% deposit, the maximum purchase price is £600,000 and the scheme is not open to those looking for buy to let properties.  It’s a good idea to speak to a Financial Consultant about these Terms and Conditions to see if Help to Buy would be right for you.”

Who can apply for Help to Buy?  Will lending criteria be a bit more relaxed?

David Clark, Financial Consultant for branches in Chester le Street and Durham states, “you will have to pass financial affordability tests to make sure you can afford the repayments.  Unfortunately, if you do not meet the lenders mortgage criteria and Help to Buy terms and conditions, you will not be offered help.  You will also not be offered help if you are looking for a buy to let property.  However, the good news is you do not have to be under a certain income threshold to use the Help to Buy scheme.”

Can I sell the home I buy when I have a Help to Buy mortgage?

Michelle Fletcher, Financial Consultant for branches Low Fell and West Denton states, “the home you buy with the Help to Buy scheme will be in your name, which means you can sell it at any time. If you have taken a mortgage using the Help to Buy Equity Loan scheme, the equity loan must be repaid after 25 years (or earlier if the property is sold before then)”.

How many lenders are offering the scheme?

David Warnaby, Financial Consultant for branches Consett and Rowlands Gill, “At the end of 2013 the only high street banks offering Help to Buy mortgages were Halifax, Natwest and Royal Bank of Scotland.  However, since the start of 2014 more lenders have announced their deals with potentially more lenders still to announce”.

Our branches are holding open days throughout January and February to help you!

Chester le Street

Saturday 11th January

9am - 2pm

 

Consett

Saturday 25th January

9am - 1pm

 

Durham

Saturday 25th January

9am - 2pm

 

Houghton le Spring

Wednesday 15th January

9am - 5.30pm

 

Low Fell

Thursday 16th January

9am - 8pm

 

Rowlands Gill

Saturday 8th February

9am - 1pm

 

Washington

Thursday 9th January

9am - 5.30pm

 

West Denton

Thursday 30th January

9am - 8pm


For a FREE no obligation meeting* with one of our Financial Consultants, contact your local Your Move branch for more information!


01/14 ADH 178

 

 




Help to Buy - Ultimate Guide

January 3, 2014 11:51 by Admin

Help to Buy is mentioned on the news , radio and newspapers most days, but what is it, and how can it help you get a home?

Well we’ve put together a guide in the form of an infographic to explain the different Government backed Help to Buy schemes.

Click on the infographic to see larger version.

If you want to share or use this infographic, then please do so with a link back to www.your-move.co.uk/help-to-buy.aspx.  

Get the embed code for the infographic




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YOUR MOVE is a multi-award winning estate and letting agent with branches across England and Scotland

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