First Time Buyer Supplement May 11

At ESPC we have hundreds of homes for salesuitable for first time buyers.

We have chosen a few to give you an idea ofthe varying styles and locations which are onoffer through espc.com

For a full selection of properties for sale visitthe main section of The Paper, pop into ourshowroom or visit espc.com

Something for everyone

ESPC FIRST TIME BUYERS’ SUPPLEMENT

First Time Buyers’ Event details

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Space saving tipsCost effective decorating

New build incentives

No.1 for property in East Central Scotland

FIRST TIME BUYERS3

Own front door and garden

This ground floor flat is ideally located for a short walk to the town centre

76a Stewart Avenue BO'NESS

Fixed Price £62,000

1 Reception Room 1 BedroomGarden

A room with a view

Fantastic value - £2,500 cash back plus£13,000 below Home Report value. Thisone bedroom flat has panoramic viewsacross the Firth of Forth. It comprises amodern fitted kitchen, livingroom andbathroom with a shower. The property isclose to amenities.

Viewing:By appointment throughSneddon & Son on 01506821144.

Selling Solicitors: Sneddon & Son SSC01506 826 232

REF: 285970

104 Thistle Street, DUNFERMLINE

Offers Around £62,000

1 Reception Room 1 Bedroom

Main door, ground floor flat within walking distance of the town centre. Theproperty comprises entrance vestibule, reception hall, lounge, kitchen, bedroomand shower room. It also benefits from double glazing, electric heating and agarden. It is an ideal first time/investor buy.

Viewing: By appt with Sols 01383 629720 or ESPC Sat pm/Sun 01383 605000

Selling Solicitor: maloco + associates 01383 629720

REF: 301793

Stunning views of theFirth and the Ochils

FIRST TIME BUYERS4

Finishing touchesCost effective interior design tips

Redecorating or giving your home a bit of a make-over doesn’t have cost the earth. Here are afew cost-effective ideas which can transform a room from non-descript to right on trend.

1. An updated colour on the walls will go a very long wayto updating your look. Paint is one of the most costeffective ways of creating an impact when it comes toa basic makeover. It's one of the most effective interiordesign tips for any room in your home. It is so simpleand very easy to do.

2. By replacing some dated accessories with some fresh,new items it can add a reviving touch to a tired room.How about some new wall art? Black and white framedphotos can add a distinguishing look to any room style.Fresh, cut flowers always add a nice accessory touch.Don’t overlook this simple interior decorating tip.

Beautiful attention todetail in the finishes

39e Mayfield Place, MAYFIELD


1 Reception Room 3 Bedrooms

Spacious top floor flat ideal for first time buyers, families,investors with superb views across the area. The propertyhas an entry phone, drying area and off street parking torear. Internally it benefits from gas central heating anddouble glazing. It comprises hall, lounge/dining, kitchen,balcony, three good sized bedrooms and a bathroom witha shower.

Viewing: By appt, tel agents on 0131 229 3399

Selling Solicitor: Drummond Miller LLP 0131 229 3399

REF: 298422

3. If you are creative think about sewing some of yourown pillowcases and matching accessories. Remnantsof material can be bought for a fraction of the price ofmaterial off the roll.

4. Improve lighting! Lighting is a cost-effective way totransform dark, cave-like rooms into warm invitingspaces. Update an old lamp with a new lampshade ormore decretive chandeliers.

5. Try rearranging your furniture to make the most of thespace the room. Even removing an item of furniturecan make a more efficient use of space.

*This property

has used vibrant

colours on feature

walls to bring the

rooms to life

*The cushions inthe living room ofthis property add a simple yetstylish finish.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT *Subject to status and

qualification for the maximum 25% loan. Terms, conditions and eligibility criteria apply. Credit is subject to security over your new home. See our website for full details – www.millerhomes.co.uk/miway. Credit provided by Miller Homes Limited of Miller House, 2 Lochside View, Edinburgh, EH12 9DH.

†MiSWAP is the name of the standard Miller Homes’ Home Exchange scheme, consequently the swap would be a Home Exchange. MiSWAP does not guarantee a like for like exchange. Your present home must meet certain basic qualifying criteria to be eligible for Home Exchange. ††Available

for June 2011 completions only. Legal fees would be paid up to a value of £1000, following legal completion. Furnishing options are from Miller Homes’ own range. Offers cannot be used in conjunction with any other incentive and cannot be exchanged for a cash alternative. Prices and availability

are correct at time of going to print. Photography represents typical Miller Homes interiors at Varcity. Exterior views are only representative of certain Varcity plots.

Stunning 1, 2 and 3 bedroom apartments are available

at Varcity, Fettes.

You could pay from only £120,750* now with MiWAY

Shared Equity. MiSWAP Home Exchange† is also

available.

Varcity North and our spectacular Cityhouses both

coming soon.

Show Apartments open daily, 11am – 6pm.

Telephone: 0800 840 8415 | www.millerhomes.co.uk

Young professionals and couples hunting for a glamorous new

home in the vibrancy of Edinburgh should look no further than

Miller Homes’ range of stylish one, two and three bedroom

apartments and four bedroom Cityhouses.

The award-winning housebuilder has two stylish developments in

the capital - Varcity and Bonnington - with many of the properties

being ready for you to move straight into in time for summer.

The housebuilder is also lending a helping hand to buyers at

each development by throwing in stylish carpets, £1,000 towards your legal fees and stamp duty paid into the deal,

plus fully furnishing the apartments.†† However, to make the

most of this fantastic deal prospective buyers had better act fast

because it only applies to those who complete by the end of

June 2011.

Style-conscious homesSituated in Stockbridge, midway between the Leith Waterfront

and the city centre, Miller Homes’ Varcity development

combines vibrant, urban living with quick access to the stunning

Inverleith Park and Royal Botanic Gardens. With bustling bars,

restaurants, shops and riverside walks along the Water of Leith,

these developments offer a stylish range of homes which are

also ready to move straight into.

For those on the lookout for an aspirational new home located

in the heart of the city centre, Miller Homes also has a range of

brand-new Cityhouses at its popular Varcity South development,

based on Crewe Road South.

Thanks to the sell-out popularity of the development’s original

phase of townhouses, stylish four bedroom homes will be

released later this year – perfect for those who are looking to

upsize or cater for a growing family.

Situated on Bonnington Road, just a few minutes’ walk from

Leith Waterfront and within walking distance of Edinburgh

city centre, Miller Homes’ Bonnington development features a

selection of contemporary two and three bedroom apartments.

Prices at Bonnington start from just £166,000 for a two bedroom

apartment; however for eligible purchasers who take advantage

of MiWAY Shared Equity, a new apartment at Bonnington can be

secured from only £124,500* now.

Many of the apartments at Bonnington have fitted wardrobes in

the bedrooms and dedicated storage cupboards in the hallway.

The majority of master bedrooms have en-suite facilities, which,

along with a separate bathroom, makes it easy for those who are

sharing with friends to enjoy their own space. Apartment owners

will also benefit from lift entry to all floors and car parking.

Get your foot on the ladder now with MiWAYMaking these stunning properties much more affordable, Miller

Homes’ hugely successful Shared Equity initiative, MiWAY, will

be available on selected plots. Those who take advantage of

MiWAY could receive a loan from Miller Homes for up to 25 per

cent of the purchase price of their selected property, leaving

them to arrange a mortgage for the more affordable remaining

amount*. To further add to its appeal, MiWAY also offers first-

time buyers the chance to own 100 per cent of their home and

there are no loan repayments for up to 10 years.*

To find out more, please call the sales team on 0800 840 8415

or visit the Varcity South sales office which is open daily from

11am to 6pm.

Fettes, Edinburgh

PREMIUM LOCATION.PRICELESS LIFEST YLE.

MAKE A STYLISH STARTWITH MILLER HOMES

City cent re luxury apar tments

f rom £161,000.

ADVERTORIAL

FIRST TIME BUYERS6

Quaint upper villa

21 Hope ParkHADDINGTON

Offers Over £86,000

1 Reception Room 1 Bedroom, Garden

Top garden spot

Two bedroom flat with a roof top garden

8/7 Constitution Street, LEITH


1 Reception Room2 Bedrooms, Garden

Home Report value £150,000. Attractive second floor flatin modern development, situated in popular residentialarea, close to excellent amenities. The flat is inimmaculate order. The property comprises hall, lounge,fitted kitchen, two double bedrooms, en-suite and abathroom. It also benefits from electric storage heating,double glazing, video entryphone and an allocatedparking space. There is a communal roof terrace garden.

Viewing: Sun 2-4pm or by appt tel 07909757 579 or sols on 0131 225 4082.

Selling Solicitor: Sturrock, Armstrong & Thomson 0131 556 0159

REF: 295635

Here’s hoping

Attractive upper villa flat ideal for first time buyers or asa rental investment opportunity. The property comprisesshared enty porch, kitchen/diningroom, bathroom and abedroom. It also benefits from gas central heating,double glazing, external storage and rear gardens.Viewings highly recommended.

Viewing: Tel GSB Properties 01620 825368

Selling Solicitor: GSB 01620 825368

REF: 297996

Create your own stamp

31 Broomhouse Avenue, BROOMHOUSE


1 Reception Room, 3 Bedrooms, Garden

Part exchange available. Ideal home with excellentdevelopment opportunity. The property requires modernisationand redecoration. It is an upper villa comprising entry hall, largelounge, kitchen, three bedrooms and bathroom with a shower.The property also benefits from gas central heating, doubleglazing and private gardens to the rear.

A blank canvasBelow are a few tips if you fancy turning your hand to a bit of DIY to make a property your own

Hanging wallpaper: Try to hang the first length ofwallpaper on a wall that has neither door nor window,so you can hang a full length from the ceiling to thetop of the skirting board.

If the wallpaper has a pattern, you should hang thefirst length over a fireplace or other focal point andthen work away from it in both directions, so that youcan control what part of the design is central andsymmetrical. Complete this area before papering therest of the room.

Updating a kitchen: A few simple changes such as replacingtired looking door and drawer fronts can bring your kitchenback to life. Try integrating new handles and taps and fixcracked or broken tiles to complete your look.

Applying wall tiles: Bed whole tiles so that their faces arelevel as any unevenness will spoil the look. Work on nomore than 1 sq m at a time or the adhesive may hardenbefore all the tiles are in place. Always spread theadhesive horizontally. Place the first tile on then startworking upwards, then outwards against an even rightangle to ensure the tiles are straight. Use a tile spacer inthe angles to ensure that all the tiles are evenly spacedand straight.

Floors: There is a wide range of options when it comes tofloor coverings, from carpets to easy to install woodlaminate. However if you are lucky enough to find aproperty with natural wood flooring, bringing it back toit’s former glory should not prove too difficult for evenan inexperienced DIY enthusiast. Before starting, youshould check that there are no loose boards, these shouldbe secured and any broken ones replaced. Floor sanderscan be hired from tool hire shops. After sanding, anygaps between the boards can be filled with a draught-proof filler and finially seal the wood with a good quality varnish.

Have you been weighing up the options to see if it’s abetter idea to buy a home in walk-in condition, or buy aproperty where you can put your own stamp on it? Hereare DIY tips to help you get started.

Preparing walls: Walls almost always need some surfacepreparation before you can apply paint. Any cracks orholes must be filled. Surfaces must be clean, smooth anddry. If there is any peeling, paint should be stripped backor sanded until there is a smooth finish. Only paint overwallpaper if it is very firmly stuck to the wall.

*Secure any

loose floor boards,

replace any which

are broken before

sanding.

*Only paintover wallpaper if it is very firmly stuck to the wall.

*Hang the

first length

of wallpaper on

a wall with no

doors or

windows if

possible.

FIRST TIME BUYERS7

Viewing: By appointment with McEwan Fraser Legalon 0131 524 9797

Selling Solicitor: McEwan Fraser Legal 0131 523 1546

REF: 299428

FIRST TIME BUYERS8

Everyone knows that mortgages are harder to find these days, but don’tassume that there are no mortgages available. A real financial expert scoursthe whole of the market and comes up with many different options availablefor you based on your circumstances. ESPC Money Management asindependent financial advisers can help you with this. Here’s how they helpedone first time buyer couple secure their first home.

Let ESPC do the work for you

Mortgages made easyMike and his finance Carole weren’t sure where to startwhen it came to buying their first property. Knowingthey wanted to buy, but not having done anythingfurther they decided to attend one of ESPC’s regular FirstTime Buyers Events to gain more information. At theevent they met with David Lauder, an ESPC MoneyManagement Financial Adviser. On leaving the eventthey felt, due to his honest approach, that when they didget the ball rolling, they would they would instruct Davidto arrange their mortgage.

Once Mike and Carole had found a property they likedthey contact David, as planned, to arrange the mortgage.The couple were pleasantly surprised by the breadth ofchoice offered and rates available through the independent adviser at ESPC.Previously they had only completed a Lloyds TSB online assessment whichprovided them with limited options by comparison.

David led the couple successfully through the whole process and answered anyqueries they had quickly and informatively. The couple were extremelysatisfied with the service they received and felt completely comfortable hewas acting in their interests. Mike and Carole are looking forward to meetingwith David again when their mortgage is up for renewal!

Mike and Carole’s ESPC story…

Ask the experts

If you would like to discuss any aspect of securing a mortgage, why not

get in touch? One of ESPC Money managment’s friendly advisers will be

able to guide you through the process.

Call 0845 111 1911 or email [email protected] for more details.

The initial consultation with an adviser is obligation free. Thereafter, ESPC Money Management�s charges for mortgage advice are usually £350 (£250 for First Time Buyers). YOUR HOMEMAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE REPAYMENTS ON YOUR MORTGAGE.

Brian McCarthy Paul Demarco Douglas Turnbull David Lauder

ESPC

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Central perk

Ideal flat for city centre living

21/7 Orwell Place, HAYMARKET


1 Reception Room, 2 Bedrooms

Spacious traditional second floor flat in a refurbished block.It is close to the city centre/Haymarket Station. The propertycomprises hall,separateWC,dining/kitchen,Lounge/bedroom2with a feature gas hob and multi burn stove, ome bedroomand a contemporary bathroom. It also benefits from doubleglazing, gass central heating and a communal garden.There is permit parking for residents.

Viewing: Sun 2-4pm or by appt with sols 0131 337 1800

Selling Solicitor: Blair Cadell 0131 337 1800

REF: 296517

Space saving tipsYou might think city living means sacrificing space to find the ideal location. Here are a few simplespace saving tips to make your city pad feel more spacious and airy.

1. Look out for other multi-functionalfurniture such as fully enclosedsideboards to act as an additionalcupboard, similarly with coffee tablesor side tables.

1. You can see this property has usedchests in the window to generateadditional storage, plus additionalseating space. It also creates a lovelyspot to sit on an evening to read a bookor enjoy a glass of wine, watching theworld pass by outside!

2. Add shelves above doorways or as arun-around high up within a room.

3. Use fewer, larger pieces of furnitureand accessories to reduce visual clutter.

4. Eliminate obstructions: the further youcan see into and through a space, thelarger it'll seem.

5. Hang a large mirror across from awindow to open up the space anddouble the amount of natural light.

* High shelves

also make

a nice

feature

* A chest in the

window recess

provides multi

functional storage

and seating.

FIRST TIME BUYERS10

Fashion fix

Lovely flat in the fashionable Stockbridge area

47/8 Raeburn PlaceSTOCKBRIDGE


1 Reception Room, 2 Bedrooms

£10k under Home Report valuation! Charming and beautifullypresented top floor flat situated in the heart of Stockbridge andwithin walking distance of the City Centre. The property compriseshall, living/diningroom, fitted kitchen plus appliances, two bedrooms,showerroom and separate WC. It also benefits from double glazingand electric heating.

Viewing Sunday 2-4pm or by appointment withSolicitors 0131 667 0232

Selling Solicitor: Warners LLP 0131 667 0232

REF: 297731

Bright and deceptively spacious end terracehouse in tranquil setting. Accommodation isin move in condition and comprises hall,lounge with feature fireplace, modernfitted kitchen/diningroom, two doublebedrooms and bathroom. The property alsobenefits from gas central heating doubleglazing and private secluded gardens to therear. There is also on-street parking.

Space, and more spaceDeceptively spacious two bedroom house

28 South Gyle Gardens CORSTORPHINE


1 Reception Room 2 Bedrooms, Garden

Viewing: Sun 2-4pm or by apt0131 466 6226.

Selling Solicitor: Leslie Deans & Co0800 917 6948

REF: 298740

FIRST TIME BUYERS11

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First Time Buyer Supplement May 11