Elite Summer 2013 Edition

Summer

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Eighteen years’ experience have earned Chigwell Construction a reputation for completing projects to time, to budget, to quality, and safely, with a further focus on the environmental impact of our activities. We adopt a friendly and collaborative approach to working with our clients which has generated a number of long-term partnerships and much repeat business. Our motto is ‘Right First Time’ for good reason.

Our core activities are:

• Planned refurbishment work including Decent Homes improvements, voids refurbishments and cyclical repairs.

• Responsive repairs and day-to-day maintenance work including out-of-hours and emergency works.

• New builds, extensions and loft conversions.

We always strive to go that extra mile to exceed our clients’ expectations and this is evident not only in the KPI targets we achieve on all contracts but by the added value incentives we also deliver to clients and residents.

A key factor in our success is undoubtedly the staff we employ and the only works which we choose to sub-contract are scaffolding and asbestos removal. We manage costs, safety and quality by having an in-depth knowledge of our team and their strengths, all staff being fully conversant with our policies and procedures. We currently have 188 employees including eight Gas Safe Engineers and nine NICEIC Electricians.

NEW BUILD - from concept to completion

EXTENSION - before and after

EXTENSION - before, during and after

CHIGWELL CONSTRUCTION

Aaron House, 7-8 Hainault Business ParkForest Road, Hainault, Essex IG6 3JPT 020 8500 4100F 020 8500 4102E [email protected]

Our clients now recognise that this is the time to sell and many of the homes that are exclusive to us

INHOUSESUMMER 2013

THE MOST SUCCESSFUL PROPERTY MAGAZINE IN YOUR AREAFeaturing properties in Chigwell, Loughton, Buckhurst Hill, Woodford Green,

Epping, Theydon Bois, Abridge and surrounding areas

garaging in the detached

facilities in addition to two further

accessed via electric gates with access

drawing room with stunning views

Externally there is a carriage

the exacting standards of the current

Tell me about Coopersale Hall School?Coopersale Hall is an independent fee paying preparatory school for boys and

girls from the ages of 2½ to 11. Only 2 minutes from Epping High Street, it is

convenient for families from Epping, Woodford, Loughton, Chigwell, Harlow and

Brentwood. We provide children with the best chance to maximise their potential to

move onto the school of their choice at age 11. We are able to apply traditional

values with modern ideas and techniques in an environment that encourages

children to love learning.

What is the style of education on offer at Coopersale Hall School?Coopersale Hall gives an excellent grounding in all subjects and our very

experienced class teachers ensure that children’s knowledge has a secure basis on

which to build. We have a high staff to pupil ratio and ensure that children get the

opportunity to learn individually, in small groups or through whole class teaching.

What happens for children who are strong academically?The Gifted and Talented programme identifies children who have a particular flair

for a subject and helps them to maximise their full potential. We try very hard

not to label children and are often able to support the children quite intensely

Headmistress, Kaye Lovejoy talks about education

without them or their friends realising they are doing anything differently from

the ‘norm’. This is one of the strengths of having small class sizes and more

individualised, personalised learning by staff who really get to know the children

well.

How do the assessments work?We use several methods of testing the children, but the main focus is through the

PIPs assessments. These allow us to compare the children with national averages,

predict trends in current and future performances and help to set individual targets.

The information is incredibly useful for us to measure the children’s performances

so we can get a better picture of how they’re doing.

What preparation can be expected for entry into senior schools?Preparation starts in Year 3 with more teaching from specialist teachers who follow

a focussed curriculum. There is a ‘Choosing Senior Schools’ evening for Year 4

parents to discuss preferred choices and throughout Year 5 preparation increases

appropriately. At the start of Year 6 as the practice papers and verbal/non-verbal

reasoning skills progress, I carry out mock interviews with children to prepare

them for their entrance procedures. We have a good working relationship with

the majority of local senior school heads and have visited their schools or invited

them to Coopersale Hall. We aim to offer an excellent education throughout the

age ranges, and feel we really excel as children move into our Year 3 and beyond.

How do parents nd out more?We have Open Mornings in March and October each year, and we have a

number of slots each week for parents to have individual school tours. I like to talk

to parents personally about how Coopersale Hall School can best suit their child as

it gives me the opportunity to get to know each family from the first visit. We have a

large number of followers on twitter now and prospective parents are able to learn

about us from our school website.

Coopersale Hall School, Epping

with en suite dressing area and

7 acres offer delightful views of the

doors leading onto the rear garden

with en suite facilities with the

an internal staircase to an additional

garden offers delightful views over

suite and the there are three further

residence is the immaculate garden

Tel +44 (0)20 8502 5585 [email protected] www.clear.gb.com

Front Elevation

Rear Elevation

Side (Main) Elevation

Side Elevation

the front leading to the integral

www.facebook.com/lawlorselite www.twitter.com/lawlorselite

We are pleased to offer this delightful four bedroom

executive property situated on this sought after

residential road.

in every room from the mood

Strong rise in UK house prices in May

As always, the property sector is awash with statistics. Currently, theyindicate that the outlook for the housing market is extremely good.Halifax, part of Lloyds Banking Group and one of the UK’s largestmortgage lenders, have reported that UK house prices rose by 0.4%in May, the fourth consecutive monthly rise. In the three monthsMarch-May 2013, they have seen a 1.5% increase in property values.

More positive news came from The Chancellor of the Exchequer,George Osborne, whose recent initiatives to boost the housing marketthrough his, ‘New Buy’, ‘Help-to-Buy’ and ‘Funding for LendingScheme’, appear to be paying off. According to the Markit/CIPS UKConstruction Purchasing Managers’ Index (PMI), residential housebuilding in the UK grew at its fastest pace for 26 months in May.This index rose to 50.8, its highest level since October 2012 and upfrom the 49.4 recorded in April. Any figure above 50 represents growthin the sector.

Recent research indicates that the number of mortgage productsavailable has increased substantially since April 2012 – from 2,458 to3,288. In addition, the number of 60% LTV (Loan to Value) productsavailable has increased by 94%, from 285 to 553. Whilst 80% LTVproducts have increased by 48%. At the same time, many interestrates on fixed rate mortgages have decreased – more good news forproperty buyers.

Another regular publisher of such figures is the aptly named Officefor National Statistics (ONS). They report that, in the South East, theaverage house price in March 2013 was £293,000, whereas inthe London area it was nearer to £400,000 and nationally (England)the figure was £235,000. All these prices reflect increases over the 12 month period to March 2013: South East 3.3%, London 7.6% andEngland 3.0%.

Meanwhile, the ONS’s Wealth and Asset Survey (2008-2010) asked46,000 respondents to measure the value of their homes, togetherwith any second/holiday homes and subtract any mortgagesoutstanding. Surprisingly, for those aged between 45 and 64 (thebaby-boomers), 19% had amassed more than £1m in householdwealth. In London this figure rose to 22% and in the remainder of theSouth East 28%.

The London School of Economics has found that the over 55 yearold, so-called ‘baby-boomers’, represent most of the UK’s 2.5m“millionaire households”, as they are the ones who have benefitedmost from rising house prices. Pensioners have accumulatedproperty worth £770bn in England, Wales and Scotland and nearly4.7m of those own their homes outright. These properties rose invalue by £1.2bn in the past three months, according to KeyRetirement Solutions, an advisory firm.

And to finish – another statistic: the Council of Mortgage Lenders, saythat, on the buy-to-let front, landlords were advanced £4.2bn, covering33,500 mortgages in the first quarter of 2013. Even though half of thisamount was for remortgaging, the sector continues to grow.

Even taking into account the phrase, ‘lies, damned lies and statistics’,the outlook seems to be more positive than it has for some time.

Please contact me if you would like legal advice on buying or selling a home.

Peter Westbrook Residential Property Partner01279 638819 [email protected]

Whatever happens in life, you can depend onAttwaters Jameson Hill Solicitors

Commercial • Civil Litigation • Commercial Property • Employment

Residential Property • Education • Town & Country Planning • Family

Road Traffic Offences • Wills, Trusts & Probate • Elderly Client Services

Personal Injury • Medical Negligence

Our full range of legal services includes:

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For information and advice, contact us at one or our four locations:

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location and is ideally situated

with en suite facilities and family

as a gym with steam and shower


An exceptional residence in a prime position, within easy reach

of the Central Line station and town centre.

facilities arranged over two

with en suite dressing room

there is a carriage driveway with

vehicles and allowing access to


A simply stunning show apartment offering breathtaking views over

the landscaped grounds of 10 acres

apartment is one of seven luxurious apartments set within this grade

two listed mansion which has been converted under the auspices

of English Heritage.

Or, to put it another way, how to stop developers taking over and building on our common land...

When summer eventually arrives (and as I prepare this article the wind is howling, the rain is lashing down so summer still seems a rather alien concept) then hopefully you will be able to visit the local park to enjoy yourself with family and friends. Whether it’s having a picnic, playing sports or walking the dog we can all spend hours in the great outdoors.

But this is something that we cannot take for granted. At times it is necessary for local residents to take action to protect their

‘common areas’ such as fields or small greens in the immediate vicinity of their homes.

If such land is being threatened with development urgent steps need to be taken to register the land under the Commons Act of

2006. If the land is registered then it will be protected and safe from future development.

Registration depends upon being able to show that a significant number of local inhabitants have used the land, as of right, for

lawful sports and pastimes for a period of at least 20 years.

As you may imagine, this has been a popular tactic by residents of areas where small village greens have been used by them for

many years. In a recent case however, the concept of what constitutes a ‘town or village green’ has been significantly extended.

The case involved a beach at Newhaven. A breakwater had been installed as part of a port development and that had resulted in an

area of sand building up. The issue raised was whether a tidal beach could be registered as a town or village green. The area of land

in dispute, although tidal and covered by water for much of the day, had been used by local inhabitants for lawful sports and pastimes

for at least 20 years. The local authority applied for it to be registered as a town or village green, but this was opposed by the owner

of the land, the Port Authority. The Court of Appeal upheld the application and decided the beach should be protected. The Port

Authority, needless to say, is aghast at the decision and the case is currently on its way to the Supreme Court for a final ruling.

Protectinglandfor localresidents

Resolving your legal problems

For further details please contact:

Our legal services include

ConveyancingLeasesWills and TrustsMatrimonial

EmploymentCommercialDisputesLitigation

John Worby John Jones181 High Street, Epping 106-108 High Road, LoughtonEssex CM16 4BQ Essex IG10 4HN

[email protected] [email protected]

01992 578 642

You may think this is not particularly relevant in West Essex

as we are hardly known for our tidal beaches.

But the court decision has fairly far-reaching consequences.

For example at the moment an application is being made

to have the grey, graffiti-splattered concrete area under the

Southbank centre classified as ‘community space’ to prevent

it from being redeveloped for retail units, cafe and a new

entrance to the cultural centre. To skateboarders this dingy

area has become sacred territory with its concrete lumps and

ramps which have been used continuously by skateboarders

for 40 years.

So if you believe your local community areas are at risk seek

advice and you may be surprised at what you can achieve.

At Foskett Marr Gadsby & Head LLP we specialise in dealing

with property related matters. Whatever your property aims

or concerns may be, we will be delighted to assist. We have

offices in Epping and Loughton (details below) but can also

visit you at your home or office.

John M E JonesPartner

Foskett Marr Gadsby & Head LLP181 High Street, Epping, Essex CM16 4BQ

(Offices above the Barclays Bank)

106-108 High Road, Loughton, Essex IG10 4HN

(Offices above the Nationwide Building Society)

Whichever office you would like to use please call 01992 578 642.

Finest Mortgages...With mortgage rates at an all time low, we can prove that quality and cost are notrelated when it comes to your next mortgage.

In fact, we think you will be pleasantly surprised at what we can do for you...

At Fitch & Fitch, we have excellent contacts with a portfolio of private lenders amongst all of the usual High Street lenders. We often offer exclusive rates that are not available direct and can negotiate the rate and fee on behalf of the client. We can arrange funding on a fixed-rate basis, or linked to Bank Base Rate or Libor (London Interbank Offered Rate), depending on your preference. Offshore funding and complicated tax structures can also be catered for, as well as multi-currency lending and deals with no early repayment charges.

We are specialist mortgage brokers that can help you with your next purchase or remortgage irrespective of how large or small.

Why not call ourselves today to see what we can do for you.

Call 0845 680 9019 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT.

Speak to us today to see how much you may be able to save by remortgaging to a lower rate and fix it at the same time.

E.g If you have 40% equity in your property, you could go from paying 3.99% to 1.99%...

Are you still paying your lenders Standard Variable Rate?

25%DEPOSIT

2.19% (5.40%APR)2 year fixed rate until 30/06/2015. No extended early repayment charges.

0845 680 9019

40%DEPOSIT

1.95% (3.70%APR)2 year fixed rate from date of legal completion. No extended early repayment charges.

2 year fixed rate mortgage 0845 680 9019

Fitch & Fitch is a Trading Style of JLM Mortgage Services which is authorised and regulated by the Financial Conduct Authority for advising on and arranginregulated by the Financial Conduct Authority for advising on and arrangingmortgages and insurance. Financial Services Authority Registration Number 300629. 37th Floor, One Canada Square, Canary Wharf, London E14 5AA. 37th Floor, One Canada Square, Canary Wharf, London

2 year fixed rate mortgage

* All mortgage calculations and APRs are based on a purchase price of £1000,000 repayment mortgage over 25 years. Should you require different mortgage calculations then please call one of our independent mortgage advisers on 0845 680 9019.

whilst the rear garden has an

rear garden which has a wealth of

with en suite facilities and family

with en suite to the master and

leading into formal dining room

vehicles and the rear garden includes

elegant communal hall with

for an extended family as the two

the advantage of the owner having

located for access to the Central

with en suite facilities whilst on the

is a carriage driveway leading to the integral garage whilst the rear

en suite facilities and family


“Friends ask me ‘how do you cope?’ Well it’s probably because of the support I get from Haven House quite frankly.”

would


We are pleased to offer this spacious


We are pleased to offer this exceptional property located at

the end of this private road in this semi-rural location.


Situated within a commanding position on the prestigious

Manor Road, lies this character family residence.

many characteristics of the period such as solid oak styling

throughout and many

residence with later additions has

IT’S GOOD TO COMPETE, A LITTLE OR A LOT. IT WORKS WONDERS

AND YOU WON’T HAVE TO FIGHT FOR A PLACE IN CLASSES

FROM TAI-CHI TO BODY COMBAT.

GO ON, PUT ‘EM UP WITH DAVID LLOYD CHIGWELL

POP INTO CLUB, CALL 0845 129 6783 OR VISIT DAVIDLLOYD.CO.UK/CHIGWELL

WWIITTHH HHUUNNDDRREEDDSS OOFF CCLASSES AA WWEEEEKK TTHHEERREE’’SS NNOO NNEEEEDD TO FFIIGGHHTT

Terms and conditions apply. Facilities, fees, classes and membership contracts vary by club.

Certain activities may incur additional fees. Monthly rolling contract after a 3 month initial commitment.

3MONTHINITIAL TIE IN

THEN ROLLING CONTRACT

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Elite Summer 2013 Edition