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delivered to your doorWest Midlands Edition

February 2015

haart.co.uk

If you are still on the market and want to sell, why not give us a call on 0121 426 1876 to find out how we helped these home owners move and how we could also help you.

Our telephone lines are open 7 days a week between 8am-10pm or alternatively email your enquiry to harborne@haart.co.uk

- the agent that gets resultsWe consider ourselves to be a proactive estate agent with innovative ideas that get results.

The properties below were all on the market with other estate agents without success. They all decided to instruct haart to assist them with the marketing of their homes and we are pleased to announce we have sold them all.

SOLD

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Harborne Sales 0121 426 1876 Harborne Lettings 0121 426 2931

8am - 10pm everyday

We are currently offering FREE professional photography and FREE floorplans for every property listed for sale with us.We have sold these properties with the help of professional photography. Take advantage of our offer and show your home in its best light.

SOLD

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SOLD

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SOLD

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AUCTIONS P4 AGENT INSIGHT P6 INTERIORS P14 MORTGAGES P25 OVERSEAS P26

– review P17

West Midlands EditionFebruary 2015

West Midlands, Staffordshire and Shropshire – Find your new home at Whathouse.com

Living for the city –our favourite urban

apartments, P8

Let-to-buy – renting out your own home P3

Awarded 5 stars for customer satisfaction

Prices correct at time of going to press. Picture for illustration purposes only. Bellway reserve the right to refuse a Part Exchange, terms & conditions can be found at www.bellway.co.uk.

Call: Sue on 07791 452700 Click: www.bellway.co.uk

Open: Thurs 10.30am - 7.30pm and Fri - Mon 10.30am - 5pm

Royal Park | The Long Shoot | Nuneaton | CV11 6JD

4 & 5 bedroom homesfrom £290,000

relaxbuymoveIt’s easy to move with Part Exchange, we’ll buy yours so that you can buy ours.• A fair offer for your existing home based on independent valuations• We’ll act as a cash buyer and you can stay in your existing home until your new house is ready• No Estate Agent fees• Stress free move

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Find your new home at Whathouse.com let-to-buy 3

IWelcome!

HOW IT WORKSHomeowners who own enough equity in their property can remortgage and release funds to use as a deposit on a new home. They can then let out their existing property and use its rental income to pay their mortgage. This frees up the opportunity to take out another mortgage on a new home.

Unless you are letting your property on a temporary basis, you are likely to require a buy-to-let mortgage. Rates tend to be more expensive than residential loans and a deposit of at least 25% may be required.

Specific let-to-buy mortgages are offered by very few lenders, though some will allow customers to use one of their buy-to-let deals on a let-to-buy basis. Not all let-to-buy deals are available on the high street, as some lenders only offer them through intermediaries. With this in mind, enlisting an independent mortgage broker could be an invaluable investment.

Alternatively, it may be possible to take out two residential mortgages, provided your current lender gives you ‘consent to let’ your home in advance of you buying another. Some lenders won’t allow this, but it is an avenue worth exploring as it could help you get a lower interest rate.

THE POSITIVESHigh demand in the lettings market – Rents increased by 6.6% across the UK last year according to research by HomeLet, and although price increases are expected to slow in 2015, the rental market is likely to remain buoyant, with demand significantly outstripping supply in many areas. Financially, it is an excellent time to be a landlord, as evidenced by the growing numbers of buy-to-let investors entering the market.

Property price growth – In a rising market, owning two properties allows you to enjoy two sets of capital growth. As we enter election year, there is much debate about the effect that political uncertainty may have on house prices in 2015, but most experts still believe prices will increase by somewhere between 3-6%. While property is generally considered a safe investment, what goes up can also come down, and multiple property owners will be among the most susceptible should the market fall.

Tax breaks – Using buy-to-let, you are liable to pay Capital Gains Tax (CGT) when you sell your investment property. However, by taking the let-to-buy route, you will be gaining

income from a property that was once your main home, so you could enjoy a significant reduction in your CGT bill when the time comes to sell up. You can also offset any interest payments on your mortgage against your rental income, which will help you cut your income tax bill.

THINGS TO CONSIDERIs becoming a landlord right for me? – The rental income on your home should be at least 25% more than your mortgage payment, so if your mortgage payment is £1,000, you will need to rent the property out for £1,250. This extra leeway covers uncertainties such as void periods, maintenance and interest rate changes.

It is, therefore, vital to make your home desirable to tenants and ensure it will attract an acceptable income. Research the market very carefully, considering the requirements of your ideal tenants and remember that finding a reliable long-term tenant could save you a significant amount of money.

Being a landlord isn’t for everyone, so you must consider which route you prefer to take when letting your property. Using a letting agent to find and reference check your tenants but managing the property yourself is a shrewd financial move, but comes with considerable pressure. Alternatively, using an agent to fully manage the property will help you release the burden, but will also eat in to your profits.

Is it financially viable? – If you are remortgaging to borrow more money, the likelihood is that you will be subject to a higher interest rate, and possibly a large application fee too.

You should also be aware that once tenants have moved into your home it is then considered a buy-to-let property. If you don’t have a suitable mortgage in place, this could result in your lender increasing your existing interest rate or charging you a significant fee, thereby limiting the amount of money you can raise on the property.

Do your sums carefully – considering the total cost (including stamp duty) of purchasing your new home and the cost of letting out your current property.

Will red tape cause problems? – Your plans might sound relatively simple on paper, but executing them in the current climate could become very complicated indeed. With mortgage applicants undergoing exhaustive stress tests since the changes implemented by the Mortgage Market Review came into effect, some lenders are reluctant to take on relatively complicated cases. As mentioned earlier, an independent mortgage broker could be the key to unlocking the best deal.

An introduction to let-to-buy

Let-to-buy has a number of advantages, including taking away the myriad of issues (and stress) of trying to tie-in a sale and purchase, and enabling a decision on when to sell an existing property to be taken independently. There are also tax advantages compared to purchasing a property specifically as a buy-to-let investment.

Any mortgage on the current property will either need to be refinanced by a buy-to-let mortgage or the existing lender must give permission to let. Borrowers with plenty of equity often increase the mortgage on the existing property to finance the deposit for the new purchase.

Lenders assess affordability for the mortgage on the new main residence in the usual way, ignoring the buy-to-let mortgage provided the rental income covers it, which it must do to satisfy the lender. A good independent mortgage adviser will calculate the most efficient split between the size of the residential and buy-to-let mortgage.

New rules being forced on the UK in March next year by the EU are likely to restrict let-to-buy mortgage options.

Ray Boulger, senior technical manager at John Charcol

EXPERT ADVICE

Stephen Maunder investigates an interesting way of using your current home to start a property portfolio

s it time for another holiday yet? The property industry is back in full swing and the festive break is now a dim and distant memory.

Here at WhatHouse? Towers, our inboxes are bursting with press releases and news and it’s been quite a task distilling it down to what we’ve been able to in this edition.

It’s certainly a time for looking forward, and, as a couple of this month’s features show, while it’s useful to look back and see what we can take from 2014 (good and bad), it’s much more useful to use last year’s experiences as a springboard for a better 2015.

There have been a host of statistics from overseas property markets that suggest that they, too, have turned a corner. Various reliable indices and government figures seem to back up anecdotal evidence that interest – and more importantly, transactions – from overseas buyers is on the up in familiar territories such as France, Spain and Cyprus.

This year, the radical changes to the way people can use their pension pots come into force (from 6 April). Since these changes were announced last year, there has been much speculation about how many new buy-to-let investors and holiday-home owners will be created as some people decide to use their pension funds to purchase property.

It’s certainly a tempting thought for many of us, and at this time of year especially when the weather is often rotten at home. A strong pound is also fuelling interest in foreign shores, as the pound in your pocket will go further in the eurozone and elsewhere.

As always, I suggest that before acting hastily you seek advice from a reputable expert before cashing in the funds you’ve been squirreling away all these years – it will be worth the time and expense in the long run.

What might seem like a very simple decision is often made far more complicated when matters such as taxation and inheritance enter the fray – and doubly so when you might be considering a property in another country where different laws and regulations apply.

Don’t stop your research though. And whatever your property dream is for 2015 – happy house-hunting!

Keith

Keith Osborne, editor. ko@whathouse.com @keithosborne69

I f you have had one eye on the property

market over the last year, you will have noticed the continuing popularity of buy-to-let, as increasing numbers of investors ploughed their money into property. You may not, however,

have heard of let-to-buy.

The premise of let-to-buy is relatively straightforward, although the process can seem daunting. Historically, let-to-buy has often been seen as a last resort - the domain of homeowners struggling to sell their property or those who need to relocate for work but intend to return to their original

home in the future. In the current market, however, it could be a savvy way of starting a property portfolio.

Let-to-buy is a particularly attractive proposition for homeowners who are equity rich but possess limited savings, and in a rising market can allow you to benefit from two properties increasing in value.

hen a two- bedroom semi-detached house in Nottingham in need of modernisation

and improvement with gas central heating and uPVC double glazing was recently sold at an auction in Leeds for £62,500 – against an advertised guide of £40,000 – it set the tone for the rest of the sale.

Among the other highlights of the auction was a traditional two-bedroom terraced property in Radford, an inner-city area of Nottingham, which went under the hammer for £54,000 despite being guided at £37,000.

Elsewhere, an interesting L-shaped piece of land with the potential for a small residential building plot was offered at a guide price of £5,000

but sold for £7,500, while a three-bedroom end-of terrace property in Langley Mill, a small town in the Amber Valley district of Derbyshire, was sold for £62,500 against a guide price of £45,000.

Some of the prices achieved at the auction were impressive, particularly the first five lots, which all went for almost 25% over their guide prices on the back of competitive bidding from buyers. But what these examples highlight is that the guide price in the auction catalogue will often be less than the property eventually sells for.

GENERATING GREATER INTERESTLow guide prices generally help to create what Graham Penny, auctioneer

at Graham Penny Auctions, describes as a “buzz in the room” which can often result in some “phenomenal prices achieved”.

He adds: “We pride ourselves on our accurate guide pricing and local property knowledge and so it’s very satisfying to get great results such as these.”

What he really means by “accurate guide pricing” is that while guide prices are there to act as a signal of the price that the property is expected to sell for, you will often find that the guide price of auction properties is set relatively low in an effort to generate interest among bidders. This in turn should lead to healthy competition and a real intent to buy for the majority of lots, driving up the sale price

in the process, so have in your mind what you think the true market value of the property is, and bid accordingly.

BUDGET APPROPRIATELYTo avoid paying too much for a property at auction, it is crucial that you do not get carried away with the “buzz” in the auction room. Guide prices are ultimately for information only and should not be relied on as an indication of the lowest price that the vendor will accept, otherwise known as the reserve price.

Buyers are deemed to have obtained independent, professional advice of others and relied on their own knowledge, which includes possessing

an understanding of a property’s true value, and for that it is necessary to undertake all necessary due diligence, which comprises analysing what other comparable homes in the local area recently sold for.

MAXIMUM BIDFinally, always set a ‘maximum bid’. You will be competing with other purchasers on the auction day, which could mean encountering somebody determined to acquire the lot that you are interested in at any price. But it is important to set a budget and stick to it.

Find out more about property auctions at www.whathouse.com/property-auctions

Property auctions: Your guide to guide prices

4 auctions Find your new home at Whathouse.com

Managing director Daniel HillEditorial director Rupert Bates

Editor Keith Osborne ko@whathouse.com

Assistant editor Stephen Maunder sm@whathouse.com

Chief sub-editor Suzanne Frost

Designer Sarah Davies

Contributors Marc Da Silva Nick Parkhouse Richenda Oldham

Sales director (new homes) Mark Edmondson me@whathouse.com

Head of Sales (London) Andy Lunn al@whathouse.com

Sales manager Jay Ali ja@whathouse.com

Business development manager Richard Woodruff rw@whathouse.com

Business development manager Steve Coyle sc@whathouse.com

Account manager Ann Chaloner ac@whathouse.com

Head of digital Simon Phillips simon@whathouse.com

Cover photo: Castleward in Derby courtesy of Compendium Living, www.compendiumliving.co.uk

Keith Osborne started writing about property 12 years ago and has been editor of Whathouse.com since 2010. He is currently a columnist in housebuilding trade magazine Show House and

has previously written for Homes Overseas magazine. He has also been a part of the What House? Awards judging panel for a number of years.

Rupert Bates, editorial director of WhatHouse? has been a property journalist for 25 years. He is an award-winning writer who started on local newspapers before becoming a columnist on The Daily

Telegraph. He presents the annual What House? Awards, edits leading housebuilding magazine Show House and is property correspondent of The Field magazine.

Stephen Maunder is assistant editor of Whathouse.com, having previously spent 18 months there as a freelance special correspondent. He has a background in academic research

and has worked at Sky News as a picture researcher. He has also written for BBC News, Huffington Post UK and the Shropshire Star newspaper.

@What_HouseWhat House?

No part of this publication may be reproduced without prior written permission from the publishers. The greatest care has been taken to ensure accuracy but the publishers cannot accept responsibility for errors and omissions.

Published by: Globespan Media Limited, 291-299 Borough High Street, London SE1 1JG T: 020 7940 1070 E: info@globespanmedia.com W: www.whathouse.comPrinted by 39zero / Distributed by Royal Mail © 2015 Globespan Media Limited

A chance to win £50

One of our new followers from 27 January to 26 February 2015 will

win £50 in Marks and Spencer vouchers.

It couldn’t be simpler – just ‘follow’ us on Twitter (@What_House)

W

You often see a ‘guide price’ for a property for sale at auction, but what does it actually mean to you as a buyer? Marc Da Silva reports.

...Buying a new home is a big decision, so you’ll want to know that your property is of good quality and your investment well protected.

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Agent InsightWe speak to Ben Grove, managing director of EstatesDirect.com

Could you please tell us a bit about Estates Direct?

We combine the best aspects of online and traditional high street agents. We have low fixed-fee prices and fully trained local property specialists who work remotely to help the homeowner throughout the sales process, including conducting valuations, listing the property and conducting viewings.

We currently employ 25 staff across several key locations. Within the next 36 months a further 80 people will complete our training programme, which will establish 100 territories across the UK.

What is your USP?We offer a personal service and charge a fair fixed fee to sell or let any property. Clients can choose how much they wish

to pay up front and on completion, giving them complete control over how they sell their home. Our tiered packages include taking photos, accompanying viewings and producing floor plans and brochures.

Which areas of the West Midlands do you cover?

We founded the company in Worcester, and our agents cover Greater Birmingham, the Black Country and Worcestershire.

What trends did you notice in the property market in 2014?

We noticed that a lot of people were looking to move home while the markets continued to strengthen. The number of first-time buyers climbing on to the property ladder rose by more than a fifth last year – 70% higher than in 2008. That number will probably rise again in 2015 with jobs starting to stabilise and wages growing faster than inflation. We don’t feel that the recent stamp duty reforms addressed the regional variations we are increasingly seeing

across the UK. We all know that house prices vary hugely between the north and south of the country, with pockets of high value areas in between. A sliding scale, like we see with council tax, would go some way to easing the burden on homeowners in the disproportionately expensive south.

Is winter a good time to sell your home?

During the winter months the market shifts towards rental properties. The number of properties available decreases as people wait for the new year, when there is renewed energy in the marketplace.

What trends are you expecting to see in 2015?

There is a positive attitude towards using the internet to buy and sell property. We believe that in 2015 there will be more homeowners choosing to use an online or hybrid agent. EstatesDirect.com currently saves homeowners an average of £3,500 in comparison to traditional estate agency fees, based on the average

UK house price, and we expect to see more people trying this model as they look to maximise equity in their home.

Do you think house prices will increase this year?

Average house prices on the whole in the UK will fall by 0.8 per cent in 2015, according to market analysts. With a general election looming, we can expect to see the effect that proposed political policies have on the marketplace. Already, we have seen the parties tussling over the proposed ‘Mansion Tax’ and the market, especially in London, will react to this as we approach polling day.

Whatever happens, 2015 will remain bright with the majority of house prices still holding their value, if not increasing in certain pockets of the country, including the Midlands. These pockets of prosperity suggest the hallmarks of what could be a buoyant market for both sales and lettings over next year.

Contact: www.estatesdirect.com; 08456 313131

6 interview Find your new home at Whathouse.com

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Specifi cation includes:

A range of contemporary and traditional kitchens Stoves Richmond 900EI Stainless Steel Range Cooker* Stainless Steel Cooker Hood Integrated Neff appliances Integrated Prima wine cooler Utility rooms (not applicable to plot 3) come with either a washer/dryer

or washing machine and tumble dryer Bathroom and En-Suites have contemporary bathrooms with Ideal

Standard Sanitaryware and are fully tiled with Porcelanosa tiles

Floors are fi nished with Porcelanosa floor tiles to Kitchen, Utility, Bathroom, En-suite, Cloakrooms and Carpets to all other areas*

Oak panelled internal doors with pewter fi nished door handles Built in wardrobes to most bedrooms – please refer to sales layouts –

with oak panelled doors and pewter fi nished door handles Air Source Heating, offering reduced running costs, with under floor heating

to all ground floor areas and radiators to upper floor rooms with 5 year service and warranty package.

Eight unique Grade II listed 2, 3 and 4 bedroom barns converted to a high specifi cation, retaining many original features. All properties have private gardens with plots 1, 2 and 8 having the added benefi t of a paddock.

‘The Barns’ Merton Grange is situated in an idyllic rural location on the edge of Gamlingay in South Cambridgeshire. The approach is via a private drive with far reaching views either side across fi elds.

Tel : 01923 251799Email: sales@leavalleyhomes.co.uk

www.leavalleyhomes.co.ukArtists impressions shown are for illustrative purposes only.

*Where possible we will be able to offer buyers variations and choices on the internal fi nishes, although the availability of this will depend upon the stage of construction that each property has reached when a reservation is made. For full specifi cation details please see the brochure.

Eight unique Grade II listed 2, 3 and Eight unique Grade II listed 2, 3 and A range of contemporary and traditional kitchensA range of contemporary and traditional kitchens

Stoves Richmond 900EI Stainless Steel Range Cooker* Stoves Richmond 900EI Stainless Steel Range Cooker* Stainless Steel Cooker HoodStainless Steel Cooker Hood

Integrated Neff appliancesIntegrated Neff appliances

Eight unique Grade II listed 2, 3 and Eight unique Grade II listed 2, 3 and 4 bedroom barns converted to a high 4 bedroom barns converted to a high specifi cation, retaining many original specifi cation, retaining many original features. All properties have private features. All properties have private

8 six appeal Find your new home at Whathouse.com

Evolution, Edinburgh, EH16 From £146,000

Edinburgh’s reputation as the political and cultural capital of Scotland is well established and the city is also a hotspot for students and tourists, making it an ideal place for investors to consider.

Evolution is in Gracemount, a suburb just a couple of miles south of the city centre but also on the doorstep of countryside and the Pentland Hills Regional Park. There are good transport links to the heart of the city and the A720 City Bypass is just a couple of minutes’ drive away.

A new release of two-bedroom apartments was unveiled at this joint venture between Cruden Homes and City of Edinburgh Council at the tail end of 2014. Internally, they

include a host of attractive features including stylish fitted kitchens, chrome ironmongery, bathrooms and en suites with contemporary white sanitaryware and plenty of useful storage space. All residents also benefit from the use of landscaped grounds.

Owner-occupiers can also make use of the Help to Buy (Scotland) shared equity scheme which only requires a 5% deposit.

From: Cruden Homes Contact: 0131 664 2291

Loft 9, Concord House, Birmingham, B1 £675,000

It’s your last chance to own an apartment on phase one of this development, with just two two-bedroom properties still for sale at Castleward. Compendium Living is offering the government-backed Help to Buy scheme on all homes at Castleward.

The ‘Allestry’ features an open-plan kitchen, dining and living room with a balcony and a fully fitted kitchen complete with integrated appliances including a fridge-freezer and dishwasher, and a stylish modern bathroom.

The ‘Millward’ is a duplex apartment also based around an open-plan kitchen/dining/living space. In addition to a balcony, there are stairs rising to another living area with cloakroom and French doors opening on to the impressive roof terrace with views of the city.

Phase one of Castleward features 164 new homes and is situated between Derby’s city centre and railway station. A marketing suite

is open daily from 10.00am to 5.00pm. Lynn Korczak, sales adviser at Castleward,

says: “Our apartments have become popular with first-time buyers because we’ve made home buying even more affordable at Castleward with Help to Buy. We’re encouraging people to come and find out more about purchasing an apartment with this government-backed scheme, as it offers a more affordable way to embrace city living.

“Those currently renting in the city centre may even find that purchasing a home at Castleward with Help to Buy is cheaper.”

From: Compendium LivingContact: 01332 426156

Castleward, Derby, DE1 From £132,950

Concord House is a former warehouse occupying the corner of Holloway Head and Marshall Street, built in the 1930s but now refurnished and re-engineered to combine its industrial aesthetic and the latest technology to make a luxurious and stylish residential address, available for occupation March 2015.

The development is laid out over five storeys and comprises 15 loft-style apartments and 4 luxury penthouses with extensive roof top terraces. Loft 9 is situated on the third floor and comes with a tandem parking space.

It’s an ideal location if you’re looking for a home right in the city centre, with all the shops, bars and amenities on hand. Concord House is a five-minute walk from the recently refurbished New Street station, providing excellent links to numerous bus routes and international transport.

From: Knight Frank Contact: 0121 200 2220

Six appealOur favourite city apartments around the country, on the market right now

Our favourite city apartments around the country, on the market right now

Find your new home at Whathouse.com six appeal 9

The General, Bristol, BS1 £399,950

More West, Latimer Road, London, W10 From £415,000

Lighthouse, Masshouse Lane, Birmingham, B5 From £195,000

Overlooking Birmingham’s Eastside City Park – the first public park to be built in the city in 150 years – Lighthouse occupies an enviable position in the heart of the city.

The development is within walking distance of New Street and Moor Street stations and adjacent to the site of the Curzon Street terminus for the proposed HS2 rail link. It’s also close to three university campuses and Birmingham Children’s Hospital, widening its appeal for owner-occupiers and investors still further.

Lighthouse is a collection of only 14 high quality apartments, occupying a prominent and sought-

after position. It is part of Nikal’s successful Masshouse development, featuring the multi-award-winning Hive apartment building.

Large windows will provide an abundance of natural light throughout the apartments, all of which will offer outstanding views across Eastside City Park. The specification includes high-gloss fitted kitchens, A-rated integrated appliances, high-speed broadband, a secure entry system and secure parking.

From: Knight FrankContact: 0121 200 2220

As well as attracting workers looking to put down roots in the capital, London continues to be a draw for property investors in the UK and all over the world.

Outside of its ‘prime’ market, where prices can easily head north of £1million, many of the capital’s neighbourhoods are being regenerated with new homes and amenities. Peabody has been building social housing in London for some 150 years and has recently branched out to build homes for

the private market. Help to Buy is available on properties at More West.

This collection of 28 one-, two- and three-bedroom private sale apartments (together with 39 shared ownership properties being released this year) offers the chance to get on the property ladder for somewhat less than seven figures. Each has a private balcony or terrace, a stylish, contemporary, high-gloss, handleless kitchen with integrated Bosch appliances and engineered oak flooring.

This development is in Zone 2, on the doorstep of Notting Hill and within walking distance of Portobello Road market and Westfield shopping centre. Latimer Road tube station is across the road from the development, allowing residents to be in central London in less than 15 minutes on the Hammersmith & City tube line.

From: Peabody/Hamptons International

Contact: 020 7758 8431

This large, two-bedroom ground-floor apartment is set within the iconic Grade II listed former Bristol General Hospital, which has been restored by award-winning heritage developers City & Country to now offer a collection of 205 one- to four-bedroom new and converted apartments and houses.

The apartment features an open-plan living, kitchen and dining area, a master bedroom with luxurious en suite bathroom by Laufen plus a second family bathroom. Bedrooms feature 100% wool carpets, while the kitchen features Neff stainless steel appliances, including integrated dishwashers, fridge/freezers and washer/dryers and microwaves.

Located on Bristol’s harbourside in the heart of Redcliffe, The

General offers residents all the charm and striking character of a listed property coupled with light, modern interiors and cosmopolitan waterfront living. Additional facilities, for a stress-free lifestyle include gated access, voice-activated door entry, maintained communal areas and an on-site caretaker.

The General is located in a bustling waterfront location on the edge of the famous Bristol Floating Harbour. It is ideally located a short walk from Bristol city centre, Temple Meads train station, the financial districts of Temple Quay and Temple Back, and the University of Bristol.

From: City & Country GroupContact: 0117 92 55 333

R7218 POTN & Lettings DPS.indd 1 17/11/2014 15:21 R7218 POTN & Lettings DPS.indd 2 17/11/2014 15:21

R7218 POTN & Lettings DPS.indd 1 17/11/2014 15:21 R7218 POTN & Lettings DPS.indd 2 17/11/2014 15:21R7218 POTN & Lettings DPS.indd 1 17/11/2014 15:21 R7218 POTN & Lettings DPS.indd 2 17/11/2014 15:21

o rces te r-based h o u s e b u i l d e r Lioncourt Homes is celebrating some exceptional

feedback from a national customer satisfaction survey as it launches a brand new development in Wolverley.

The recent independent National New Homes Survey compiled by the National House-Building Council (NHBC) and the Home Builders Federation, saw the company receive 100% positive feedback from its customers on a number of the questions posed.

Lioncourt received a perfect score for questions such as “Would you recommend your builder to a friend?”, “How satisfied are you with the quality of your home?” and “How satisfied are you with the service provided by your builder since you moved in?”

The housebuilder also saw total satisfaction for questions about the internal and external design of their homes and for the timeliness of build completion.

Chief executive of Lioncourt Homes Colin Cole says: “We are delighted with these results, particularly as everyone in the Lioncourt business places such a high emphasis on the quality of their work, the quality of service and customer satisfaction. We like to think that we add a personal touch to the purchase of your new home.”

This high level of feedback from previous homebuyers will no doubt be of interest to house-hunters in Worcestershire, where Lioncourt has just launched a brand new development in the village of Wolverley.

The Bluebells is a select development of just four new homes with only three four-bedroom detached family homes

remaining for sale, starting from just £339,995. The ‘early-bird’ reservation of one plot demonstrates that there has already been considerable interest in this boutique scheme. Sales executive Jean King remarks: “We are expecting this interest to increase even further following the opening of the new show home.”

The show home is the stylish ‘Arley House’, a four-bedroom detached home that will appeal to family buyers. It has an open-plan kitchen/dining room with direct access on to the rear garden, a spacious family lounge with French doors to the rear garden and double doors leading through to the dining room. The master bedroom upstairs has the benefit of an en suite and bedroom two has a walk-in wardrobe. The house also has a family bathroom and useful downstairs cloakroom and comes with a garage

and private parking.Wolverley is just two miles from

the historic town of Kidderminster and residents of The Bluebells have easy access to the town centre and local amenities including supermarkets, local schools, shops, leisure facilities,

restaurants and bars. This development also has convenient access to the major road network including the M5 and M42 motorways.

Find out more at thebluebells@lioncourthomes.com; 0845 873 2884

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Lioncourt Homes celebrates recognition of excellenceMidlands housebuilder receives perfect scores in national satisfaction survey

12 new homes Find your new home at Whathouse.com

*Terms & Conditions apply, see Sales Executive for further information, not to be used in conjunction with any other offer. Applies to Plots 2 & 3 only.

Arrange your viewing today call us on 0845 873 2884 or simply visit us atThe Bluebells, off Franche Road, Wolverley, Worcestershire, DY11 5TPMarketing Suite and Show Home open Thursday-Sunday 10am-5.30pm

THE BLUEBELLS - Show Home Now Open!Only 3 Detached 4 Bedroom Homes available prices from £339,995

Stamp Duty Paid and

free carpets for all

January &

February

reservations

LC10057 - bluebells whathouse advert 256x168mm.pdf 1 14/01/2015 20:14:29

Find your new home at Whathouse.com armchair gardener 13

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How to start a kitchen garden

hat could be more satisfying than stepping outside your door to pick your own home

grown vegetables? Cultivating your own nosh is certainly one trend that never seems to go away.

It doesn’t matter whether you have

a large garden, a small patio or even just a balcony - simply adjust the scale of your operation accordingly and choose plants that will thrive in the type of conditions you have available.

The idea is not to put yourself off for life, but to give yourself a rewarding experience, save some money, be sustainable and enjoy yourself!

Creating your own kitchen garden is not as hard as it might seem. Richenda Oldham sows the seeds for a future veggie harvest

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5. Pick the leaves on lettuces, leaving the roots, so the leaves can re-grow

A classic English kitchen garden - growing your own food is both exciting and satisfying

Runner beans will need a simple climbing frame to support them as they grow

Pick the leaves on lettuces, leaving the roots, so the leaves can re-growTomatoes are ideal for growing in small spaces such as balconies

Baby courgettes are delicious, as are the yellow flowers, which can be stuffed

1. This geometric patterned fabric has a dramatic Scandinavian influenced feel; curtains made from Fjord Citrus, £41.74, www.handmadetomeasure.com; 2. Flowers that bloom at night have been reproduced in a dark floral pattern on this stunning Finnish birch sofa by Klaus Haapaniemi and Nikari, www.klaush.com; 3. Anna Jacobs’s Sipping Nectar collection features a distinctive hummingbird design in azure blue and citrus lime colours; lampshade £70, cushion £65, www.quiirk.co.uk; 4. Julia Brendel’s luxurious Africana fabric is based on colourful traditional African textiles, £38 per metre, www.juliabrendel.com; 5. Damask is a classic pattern that looks particularly good in black and charcoal grey; Mozart wallpaper, £10.99, www.arthouse.com

14 interiors Find your new home at Whathouse.com

Print designs are larger than life and just as colourful. How adventurous are you, asks Richenda Oldham?

To boldly go...

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Thinking of selling your home?

Do you know how much your home is really worth? Find out with our FREE valuation service.

It’s a quick and easy process that you can carry out online or over the phone.

Visit www.whathouse.com/value-my-property/value-my- property-now or call us now on 01245 835 053.

£?

WhatHouse? works with a team of reputable agents that will carry out the free valuation

interiors 15

Close to the edgeIndustrial-style interiors are an urban variation of the natural trend. Richenda Oldham shows you how to create “warehouse style”.

Find your new home at Whathouse.com

he love affair that we have with industrial design just seems to grow and grow. There is something fascinating about the

‘warehouse look’, which encompasses cast-iron pillars, oversized windows and brick walls.

It’s cool and edgy with not a fluffy cushion in sight. It’s about honesty and good design with clean lines.

It’s okay to go with mass-produced items, as long as they are quality items that offer functionality as well as form. Character is at the forefront

of this trend for sure, which actually encourages revealing what most people do their best to conceal – namely piping, ducts, raw plaster, exposed bricks and even rusty metal.

Certainly as far as 2015 trends go, the industrial interior has a particular affinity with the ‘reconnect with nature’ approach. Neutral colours, utilitarian objects, metal and wood surfaces are key elements that can either be used together for the complete warehouse look, or singly in modern homes, which suit stainless steel surfaces, metal light fixtures and vintage furniture.

Industrial style gives owners of warehouses and other types of period properties the chance to strip their homes back to a raw, original state. This leaves original construction features exposed, showing how the building was put together, which makes for a deliberately unfinished appearance.

COLOURSEnhance the metallic feel through use of colours such as grey. There are so many marvellous shades to choose from darker tones of gunmetal and anthracite to silvery white or pearly grey. Earthen

hues, plus neutral tones will add depth and dimension, as well as providing a complementary backdrop to all that wood and metal. The marine-inspired shades of grey-blue have a fluid quality that offers a sense of movement. Look out for the deeper shades of teal and sapphire, as well as bright blue such as cobalt, which really lifts a room.

FURNITUREVintage furniture and accessories are a must if you are to create a successful industrial interior. There are plenty of utilitarian pieces to choose from,

which are genuine old pieces from old factories, schools, offices and even laboratories. Battered leather chairs and sofas, sideboards, chests and cupboards made from mismatched recycled woods are perfect.

For storage, floor-to-ceiling open shelving is striking and adds structure and definition to a room, while metal trunks, boxes and wood or metal apothecary chests and drawers are a must. Look out for industrial design laboratory stools or wood and metal swivel chairs, which are just right for this informal, eclectic interior style.

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Clockwise from top left:

Floor to ceiling painted wooden shelving complements bare brick walls perfectly, www.anothercountry.com

Leather chairs and a functional rustic wood/metal desk, which doubles up as a breakfast table, www.barkerandstonehouse.co.uk

Reclaimed wood eight-seater dining table with metal base, £949, www.westelm.com

Industrial style metal wall unit, £110, www.vincentandbarn.co.uk

This fisherman pendant light will provide good lighting in an open plan loft, £69.99, www.my-furniture.co.uk

Timeless sturdy design classic: industrial tubular chair, £86, www.vincentandbarn.co.uk

Award winning developer

Make your life your own at The Croft at Baston, a stylish development

surrounded by beautiful grounds, with a variety of facilities and services close by to suit every lifestyle.The development consists of 49, one and two bedroom bungalows, as well as three bedroom chalet bungalows for those who want a little extra space.

The properties by What House? ‘Best Retirement Development’ Winner Larkfleet Homes are located around attractive walkways and gardens, creating a pleasant community environment.

A community club house is also on site where residents can enjoy taking part in their own hobby, activity groups and regular communal events.

All the homes have been designed to need minimal ongoing maintenance so homeowners can benefit from the independence and security of property ownership without the day-to-day concerns of property upkeep.

What’s more, Larkfleet offers a range of buyer services, to make your move to Baston easy and trouble-free.

The Croft at Baston, Mayfield Gardens, Baston, Lincolnshire PE6 9QW

www.larkfleethomes.co.uk email baston@larkfleethomes.co.uk

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Sales office and showhome open daily 10am – 5pm

Homes from £149,995 with a choice of

purchase options including Part Exchange

n this, our second WhatHouse? Awards supplement since the Gala Luncheon event in November last year, we continue to look at some of the winning projects, this time

with the emphasis on their geographical diversity and what the plans are for the winning companies in the coming year.

While it is true to say that the most vibrant region for the property industry remains London and the South East of England, you can see from the full list of winners (www.whathouse.com/what-house-awards-2014) that the best new homes in Britain come from all over the country. The same exacting criteria are applied by the judges no matter where the development is based, as of course are the expectations of ordinary

homebuyers up and down the country.From starter homes to luxury

homes, and rural settings to city centre locations, the WhatHouse? Awards really are a national barometer charting the rising standards of excellence achieved by our nation’s housebuilders.

We’ve also spoken to many of the winners of our Housebuilder of the Year categories (Small, Medium, Large and Sustainable) to see what projects they will be working on. The knowledge that the homes they are looking at come from an award-winning housebuilder will instil confidence in many house-hunters looking for a new-build property.

Read on to find out more about this year’s Award winners.

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Britain’s best new homes

Best Luxury House (Bronze), ‘Ambergates’, Alderley Edge, Cheshire from Huntsmere

eceiving awards has become almost routine for the Crest Nicholson team at Park Central, but the Gold that the development

won for Best Starter Home scheme at the WhatHouse? Awards 2014 was undoubtedly the most prestigious to date.

The development’s multiple triumphs are down to the quality it demonstrates in many different ways – the high standard of the new homes themselves, the success of the scheme in bringing a pleasant environment for city dwellers in what was once a ‘no-go zone’, and the other new benefits that it has brought to the area, including two parks and the generation of job opportunities on a 285,000-sq-ft commercial space.

Crest Nicholson, in partnership with Birmingham City Council and Optima Community Association, is on course to deliver 1,600 new homes at Park Central, including apartments and 250 freehold townhouses. Location, as always, is a paramount consideration

for buyers and being situated just a few minutes from the wealth of shops, bars and amenities in Birmingham city centre has established Park Central as a favoured choice for house-hunters in the West Midlands.

Its appeal covers a wide spectrum of buyers, from the first-timers attracted by the homes that wowed the WhatHouse? judges to investors and families, who can benefit from the rare opportunity to purchase a brand new townhouse so close to the centre of Birmingham.

At the heart of the scheme is a newly opened park link, which sits between the two ‘chameleon’ façade Central Plaza buildings and joins together the Moonlit and Sunset Parks – two landscaped public open spaces across eight acres.

Those living at Park Central benefit from being located just 10 minutes from the bars and restaurants at Brindleyplace, with easy access to nearby transport links from Five Ways and New Street railway stations and less than a half-an-hour’s walk away

from the business district.Following strong sales all last year,

a new phase of homes was released at Park Central in late October 2014. Named Madison Walk, the phase comprises three-bedroom freehold houses and one- and two-bedroom apartments. All seven freehold townhouses have been reserved and now, just a selection of one- and two-bedroom apartments remain for sale.

Prices for the new apartments start at just £127,500. All the new homes come with a good specification that includes fully fitted kitchens and contemporary bathrooms, come with a 10-year NHBC warranty and all are available to buy with a deposit of 5% when purchased under the government’s popular Help to Buy scheme.

The development’s marketing suite is located at 61 Mason Way, Birmingham B15 2GE, and is open daily between 10.00am and 5.00pm.

To find out more, visit www.parkcentral.co.uk; 0121 666 4666

Find your new home at Whathouse.com whathouse? awards 19

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Park lifeWe take a look at the story so far at Park Central, Crest Nicholson’s multi-award-winning regeneration scheme in Birmingham

The Gifford home comprises:

+ Semi-detached or detached designs available+ Ideal for growing families, or those looking for a little more space+ Single garage and driveway+ Buy with Part Exchange, Easymover or Help to Buy+ Available from only £164,995

Spring Walk is an exciting development of homes for sale in Willenhall, right in the heart of the historic Black Country. You could move up the property ladder to our wonderful 3 bedroom Gifford home in this desirable location for less than you think.

Don’t miss out contact us today for a viewing or book online.

Move up in the world!

* Taylor Wimpey terms and conditions apply. The images on this page show a typical Taylor Wimpey home and include optional upgrades at additional costs. Offer subject to lenders terms and conditions, and may not be available using Help to Buy. Please check with your � nancial advisor.

Call 01902 544 473or visit taylorwimpey.co.uk/springwalkSales centre open daily 10.00am – 5.00pm

SPRING WALKSpring Lane, Willenhall, West Midlands, WV12 4HW

2 bedroom apartments and 2, 3 & 4 bedroom homes from £101,995

Also available, 2 bedroom apartments from £101,995, and 2 & 3 bedroom homes from £119,995

Buy with 5% deposit

Dream home, in an ideal location

36143-TWWM-WhatHouse-SW-HP-Ad.indd 1 12/01/2015 16:03

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20 award winners Find your new home at Whathouse.com

The best new homes

5. Pontyclun, Rhondda Cynon Taf Best Starter Home Scheme Silver, Lovell, Bryn Celyn

The WhatHouse? judges say: “Bryn Celyn is a great example of what Lovell has consistently done well for many years – providing high-quality homes for local communities at a competitive price. It was

completely sold out prior to the judges’ visit.“The mix of singles, couples and young families, together

with the older residents here, has already created a friendly and neighbourly community. A landscaped play area and wild-flower grassland have added new features that the whole village can enjoy.”

2. Sutton Coldfield, West Midlands Best Retirement Development Bronze, Churchill Retirement Living, Steeple Lodge

The WhatHouse? judges say: “Churchill Retirement Living continues to deliver at a very affordable price, with dynamism, awareness and vision. The company knows what it is doing in this

sector, but is continually researching, evolving its products and services to meet the changing and diverse needs of its customers.

“Facilities at Steeple Lodge include an open-plan reception area manned by the lodge manager, an owners’ lounge with a library area and a wellbeing suite for hairdressing and beauty treatments. There is also a fully furnished guest suite for visiting friends and family to stay in.”

4. Dalmarnock, Glasgow Best House Bronze, City Legacy Consortium, The Athletes’ Village

The WhatHouse? judges say: “The ‘Hibiscus’ is a flexible, modern take on the end-of-terrace house, a key part of the Athletes’ Village development designed by

RMJM for City Legacy. This house was cleverly designed to be easily converted into a comfortable, contemporary and, most importantly, very affordable family home packed with energy-efficient features.

“This four-bedroom property is arranged over three floors with wonderful full-height eaves spaces on the top floor. The gable end is a prominent feature of the design, of which there are several variations. The building is well detailed.”

he WhatHouse? Awards really are a national affair. Every year, newhomes developments and housebuilders from across our nation are honoured by the expert panel of judges in

21 categories for their exceptional quality in design and construction. Here, we take a look at the geographical spread of just a baker’s dozen of the winners of the 2014 Awards. See the full list of winners here www.whathouse.com/what-house-awards-2014

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3. Bath, Somerset Best Landscape Design Gold, Crest Nicholson, Bath Riverside

The WhatHouse? judges say: “Around 300 homes have been completed; eventually the site will also feature two parks, as well as health and cultural facilities, all set within 44 acres of

landscaped grounds.“[We] were impressed by the fluidity of the master plan,

and how it connects existing footpaths, footbridges and vehicle crossings, seamlessly linking them with the riverside walkways, parks and squares permeating the site. [We] were impressed by the scale and simplicity of the design that has created a calm and tranquil setting.”

1. Timperley, Cheshire Best House Bronze, Altin Homes, Sylvan Point

The WhatHouse? judges say: “Altin Homes appointed Reid Architects, which has successfully designed a very crisply detailed, innovative family home. The elevations are simple and unfussy with

red brick under slate roofs. “The interiors are modern and flexible and so will very

easily accommodate the changing needs of the occupiers. There are a few refinements that are being incorporated into the later houses and these improvements will enhance an already excellent product.”

6. Kindsway, Derby Best Mixed Use Development Bronze, Kier Partnership Homes, Manor Kingsway

The WhatHouse? Judges say: “The Parade is the first phase of a nine-phase development that Kier is building on a former hospital site.

“The individual house types are well planned, with

the three-storey houses particularly distinguished by a master suite that extends over the whole of the top floor. For a house selling at below £250,000, the space standards and quality of finish are extraordinary. This is a development that contributes massively to the town and will merit further visits, and likely awards, as it progresses.”

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Find your new home at Whathouse.com award winners 21

8. Alnwick, Northumberland Best Small Housebuilder Gold, Stone Homes

The WhatHouse? judges say: “It has been quite a journey for the husband and wife team behind Stone Homes, Dale and Jo Robinson. It was the conversion of their own traditional Northumberland

farmstead into a luxury home that fuelled the desire to turn their obvious eye for detail and design into a business.

“The result is a series of charming, well-conceived and architecturally pure creations across Northumberland. These are new country houses of outstanding quality, sympathetic to their environments, but adding style and boldness to the vernacular.”

10. Harrow, London Best Landscape Design Gold, St Edward, Stanmore Place

The WhatHouse? judges say: “The mixed-use development of high-specification homes and contemporary office space combining private housing, socially rented and shared ownership accommodation is

nearing completion.“The nearby Edgware Brook runs close to the scheme and

the potential flood risk it presented provided an opportunity to create a lake and feature decking, together with marginal and aquatic plants and swales. [We] were again impressed by the quality of design and materials used and how these were carefully detailed and constructed on site.”

13. Milford-on-Sea, Hampshire Best Exterior Design Bronze, Antler Homes, Fairwater

The WhatHouse? judges say: “The external balcony relates the outside to the interior, while the setback breaks the roofline and creates a modelling of the facade. Further layering is created

by a ground-floor projection, which incorporates a deeply recessed porch.”

“The whole elevation is carefully considered and satisfying, presenting a seaside character of through-colour white render with powder-coated aluminium windows and grey-green composite cladding panels in the recessed balconies, which have clear glazed frameless fronts to match the crisp and thoughtful detailing that informs these very attractive exteriors.”

7. Leith, Edinburgh Best Brownfield Development Gold, CALA Homes, Albert Dock

The WhatHouse? judges say: “This terrace has excellent views across the working dock, but the planning masterstroke lies in the treatment of the “street” formed between the two parallel terraces where

extensive balconies not only define and punctuate the streetscape and create useful carports, but provide piano nobile outdoor living space.

“The individual houses are imaginatively planned and this is a fine response to what was a very difficult brownfield site.”

11. Peterborough, Cambridgeshire Best Sustainable Development Bronze, Morris Homes, Vista

The WhatHouse? judges say: “The 295 homes at Vista are more advanced than any that Morris Homes has previously built and are being delivered in partnership with the Homes and Community

Agency, Peterborough City Council and Cross Keys Homes housing association.

“With its selection of two-, three- and four-bedroom homes, from apartments to detached properties, Vista’s master plan was designed to include urban, rural and suburban character areas to reflect the diverse communities within Peterborough.”

12. Bourne, Lincolnshire Best Retirement Development Silver, Larkfleet Homes and Keystone Developments, The Croft

The WhatHouse? judges say: “At the centre of the development is an Edwardian manor house, which now has a residents’ lounge, garden room and kitchen. The new build doffs its architectural

cap to the manor house with gabled frontages, while old stone walls at the entrance to the site have been retained.

“It is the warmth of the development’s whole streetscape and use of enclosed spaces that strikes you most. There are obvious but thoughtful touches, such as raised beds in the gardens to make it easier for residents to tend the flowers and vegetables.”

9. Cholsey, Oxfordshire Best Renovation Silver, Thomas Homes, Fair Mile at Cholsey Meadows

The WhatHouse? judges say: “Large sites such as this are often challenging and involve careful consideration of aesthetic, conservation and practical requirements. Thomas Homes has managed

this with aplomb. “Internally, features including Victorian panelling, high

skirting boards and windows seats have been preserved and meticulously repaired; sash windows have been upgraded. The renovation of the Great Hall, complete with stage and full lighting system, is exemplary.”mprovements will enhance an already excellent product.”

in Britain in 2014

6

Caldon Quay show apartment interior

Renaissance exterior

* Help to Buy based on a 75% mortgage with a minimum 5% deposit contribution. It is not available in conjunction with any other offer or promotion. Scheme available on selected properties in England, on homes up to £600,000. Subject to terms and conditions. Lovell cannot advise you on a mortgage. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP

REPAYMENTS ON YOUR MORTGAGE OR ANY DEBT SECURED ON IT. Full details available on request. Details correct at time of going to print, 23rd January 2015.

Inspiring homesacross the region

Now pay less on Stamp Duty!

Ask for details.

Caldon Quay showhome interior

/lovellhomes @lovell_uk

lovellnewhomes.co.uk Available on the iPad

Whether raising a family or building a career, we have the perfect new home to suit you. From canalside living to spacious family

homes, and all available with just a 5% deposit!*

With incentive schemes, including Help to Buy* available, there’s never

been a better time to make the move.

Caldon Quay, Stoke-on-Trent

2 bedroom apartments and 4 bedroom homes

Tel. 01782 484 936

City Reach, Birmingham 3 & 4 bedroom homes

Tel. 0121 222 1968

Harvills Grange, West Bromwich

2 & 3 bedroom homesTel. 0121 514 8778

Monarch Park, Cannock

3 bedroom homesTel. 01543 331 968

Renaissance, Nuneaton

3 bedroom homesTel. 02476 481 594

West Heath Glades, Birmingham

2 & 3 bedroom homesTel. 0121 514 8219

Coming Soon...Eaton View, Nuneaton

2 & 3 bedroom homesTel. 02476 480 320

Coming Soon...Eden Valley, Walsall2 & 3 bedroom homes

Tel. 01922 460 891

Mike Coker, managing director Linden Homes Midlands:

“We are entering what we anticipate to be another exciting, productive and successful year on the back of a terrific previous 12 months. The region is continuing to expand, with work poised to start on a number of new developments in early 2015, and more land purchasing opportunities in the pipeline. This will be in areas where we already have an association as well as ‘new territory’. Our focus is on offering continued choice to customers in terms of location and designs, and not only to meet, but to exceed their expectations.”

Mar City Homes (Best Medium Housebuilder, Silver)

Find your new home at Whathouse.com award winners 23

What’s next?Britain’s best housebuilders, all winners of a WhatHouse? Award in 2014, tell us what their plans are for the coming year

Linden Homes (Sustainable Developer of the Year, Gold)

Tony Ryan, chief executive: “Mar City had a transformational and multi-award-winning year in 2014. Unveiling and raising the bar with our ground-breaking modular construction methods for residential properties, we launched our first modular developments – Green Point in Colindale and Regent’s Wharf in Walsall – gaining notable support and recognition from housing minister Brandon Lewis and many top political bodies. 2015 will be used to further cement Mar City’s credentials as a leading UK housebuilder, specialising in modular methods of construction as well as high-specification luxury properties throughout the UK. With a pipeline of circa 5,000 new homes planned across the country, the plans for growth remain ambitious with the aim to develop houses for every taste.”

Adam Lawrence, chief executive: “Among the current projects is a £130m residential square in Fulham, 113 cutting-edge apartments in Putney and a traditional square of apartments and houses in the heart of affluent Teddington – all of which are underpinned by strong forward sales. Exciting new developments in the pipeline include the restoration and conversion of the historic Grade II listed The Star and Garter on Richmond Hill, 243 apartments on a two-acre site in Streatham Hill and the sensitive conversion of a Grade II listed building and grounds in Hayes, Bromley, into apartments and townhouses – making for an exciting year ahead.”

London Square (Best Small Housebuilder, Bronze)

David Smith, group head of marketing: “We are sweeping into 2015 with more high-quality homes for the luxury sector, returning to prime location favourites such as Wimbledon Village and Highgate Village in London and Sunningdale in Berkshire. But we are also extending the boundaries a bit to accommodate growing families currently living in London, seeking more house and garden space for their money. We have some super-sized country houses underway in Picketts Hill, Hampshire (pictured) and Essendon, Hertfordshire, both surrounded by pleasant countryside, but close to first-class schools, and within a reasonable commute of the capital.”

Octagon (Best Small Housebuilder, Bronze)

Jo Robinson, director: “Stone Homes’ aspirations for 2015 are to continue to build on its success in 2014, expanding into markets further afield. With a build style that would fit in perfectly with the landscapes of Harrogate, Surrey and surrounding areas we are keen to work on our own developments and look to collaborate with established bespoke housebuilders. Just as importantly, Stone Homes Interiors have the same goals, and all while retaining our current market share in the North East.”

Stone Homes (Best Small Housebuilder, Gold)

Killian Hurley, chief executive:

“The London market is one of the most exciting places to be and

Mount Anvil is right at its heart. We have more homes coming at Queen’s Wharf – our riverside development in Hammersmith; at The Landau – our boutique scheme in Fulham; and at Dollar Bay – our stunning 31-storey glass tower overlooking Canary Wharf. We’ll also be launching our new development at Keybridge House, Vauxhall, offering more than 400 homes in the UK’s tallest residential brick tower. With other prospects also in the pipeline, we’re excited about 2015 and the opportunity to continue creating homes that add to London’s world-class reputation.”

Mount Anvil (Best Medium Housebuilder, Bronze)

Dave Bexon, group sales and marketing director:

“We’re planning s i g n i f i c a n t

growth in 2015, largely through a combination of increasing the number of Heritage Collection developments and rolling out our new Abode range. We’re also expanding our online services available to customers through ‘My Redrow’, which is a unique offering among our competitors. For the success of the wider housebuilding sector, we hope the economy continues to strengthen and the next government will address some major issues, namely speeding up planning, helping first-time buyers and continuing to back Help to Buy. In addition, our collective aim as an industry must be to address the skills shortage and attract more talented people into a construction career.”

Redrow Homes (Best Large Housebuilder, Gold)

Bob Weston, CEO:

“2015 is set to be an exciting year for Weston Homes. We have

10 new developments launching, which will provide around 600 new homes in desirable commuter locations including Kent, Sussex, Essex and Cambridge. We are proud to have also just secured two new sites in Dartford and Greenwich, which will provide a further 700 new homes in 2016, which will contribute to the company’s growth strategy goals for the next 12 months. Our new homes range from spacious apartments to starter homes and family houses, many of which have Help to Buy available and will provide high-quality housing to those looking to get onto the property ladder.”

Weston Homes (Best Medium Housebuilder, Bronze)

City & Country (Housebuilder of the Year)

Helen Moore, managing director:

“Our pipeline has rapidly grown and 2015 is already looking like an incredibly exciting year. King Edward VII Estate (to date the most significant development to have gained planning permission within the South Downs National Park), will launch in March; we will have our first legal completions at The General in Bristol; and work is progressing on our new site, Angel’s Courtyard in Colchester town centre, which is due to launch later this year. Recent acquisitions include the iconic Donaldson’s College in Edinburgh, Bramshill House in Hampshire, Sundridge Park Manor in Bromley, Kent and a portfolio of four listed prisons from the Ministry of Justice, being HMP Gloucester, HMP Dorchester, HMP Kingston (Portsmouth) and HMP Shepton Mallet – all of whichwill create some very special and desirable homes in the future.”

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Patio canopiesThese are particularly popular with people wanting to get out in the garden and enjoy the fresh air. The canopy provides the perfect way of getting either shade from the sun or shelter from the rain.

Carport canopiesApart from buying a house, one of the biggest investments you can make is in your car. It’s no wonder then that people like to look after them. A carport canopy is the perfect solution to this as it combines quick and easy parking with protection from the worst of the weather.

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If you are searching for the finest hand-built leather upholstery without the usual extravagant price tags, then youneed to look no further than the latest Thomas Lloyd brochure. By selling direct from our factory you get furniture

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TLL2300_Layout 1 20/01/2015 16:19 Page 1

mortgages 25Find your new home at Whathouse.com

Lenders accused of lacking common sense when it comes to ‘porting’ mortgages anks and building societies

have been accused of lacking common sense when borrowers approach them to move their mortgage to

a new property (known as ‘porting’). Over recent months there have been reports of consumers being refused for a mortgage when they simply want to move their deal onto a new property without borrowing any additional funds.

The financial regulator has been forced to step in to deal with rising complaints about the practice, which many believe is an attempt to preclude homeowners from keeping low rates.

LENDERS FAILING TO APPLY TRANSITIONAL RULESNew mortgage rules which came into force in April made it tougher for borrowers to get a new mortgage. Lenders were required to implement

tougher affordability checks in order to ensure that consumers were able to afford loans both at the outset and in the future.

At this time, the regulator put in place transitional arrangements in order that existing borrowers who didn’t meet the new tests were not disadvantaged. These rules allow lenders to approve changes to existing mortgages as long as the borrower does not want to borrow more or extend the term of the loan.

However, evidence has emerged of widespread rejection by lenders in cases where borrowers want to move home and ‘port’ their loan. There have been reports of consumers having their mortgages declined even though they do not want to borrow any additional money or in cases where they want to downsize and move to a cheaper property.

In cases where a lender declines a loan application borrowers may then have to pay a significant early

repayment charge – often thousands of pounds – and apply through an alternative provider.

Keith Osborne, editor of Whathouse?, says: “Many brokers believe that lenders are taking advantage of tough new rules in order to decline mortgages and move borrowers off low interest rates and interest-only deals. It is clear that the rules are not being applied consistently.”

The Financial Conduct Authority has made it clear that it expects lenders to apply these transitional rules. Linda Woodall, director of mortgage and consumer lending at the regulator, said they had seen many examples of lenders applying strict tests needlessly.

“Some borrowers are looking to downsize and so substantially reduce their monthly payments and have been told that the new payments are not affordable,” she said. “This is not common sense.”

RISE IN AGE-RELATED MORTGAGE COMPLAINTSThe Financial Ombudsman Service has reported a rise in complaints about lenders who apply the tough new criteria and cite age as a reason not to port a loan. Many borrowers with existing mortgages that are scheduled to end in their late 60s or 70s are finding they no longer qualify because lenders have cut their maximum lending age.

“Many lenders have introduced some tighter criteria for older borrowers and this is sometimes given as a reason for not porting a mortgage,” a spokesman for the FOS said.

“Of the cases we’ve seen, we’ve generally suggested to the lender that if age alone is the reason they’ve rejected the request – and the customer’s circumstances haven’t changed – it doesn’t seem very fair to refuse the option to port their mortgage.”

B

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WolvesEND OF SEASON DINNER

2014/15

[ WEDNESDAY 6 MAY 2015 ]Telford International Centre

Details coming soon...

rguably the best-known

gated community and golf estate on the west coast of Barbados, Royal Westmoreland

has just launched a fractional ownership option that will give

people seeking a Caribbean getaway the chance to own part of a home at a fraction of the cost of full ownership.

The new programme gives ownership of a four-bedroom villa for US$50,800 (£33,400) for two weeks ownership out of season and

from US$129,700 (£85,300) for four weeks in season. It is likely to appeal to those unable to make the most of year-round ownership because of time commitments and those for whom the full cost of a home there is prohibitively high, though there is an option to trade up to full ownership.

The fractional ownership scheme allows for purchasers to own just the time they intend to stay at the resort. The property is held freehold/deeded in a third-party trust in the Isle of Man, governed under UK Commonwealth property law, and ownership shares in the villas are fully transferable, sellable and willable.

Owners unable to visit the resort during the time period they purchased are able to exchange their weeks through an internal exchange programme. By moving and ‘storing’ time, owners should have access to a suitable property at any time of year.

There is also the further option to exchange weeks at other resorts around the world through an affiliation established with Preferred Residences and buyers also receive a

two-year membership to the Preferred Golf Club, providing access to some of the most prestigious and challenging golf courses in the world, such as the Cambridge Beach Resort & Spa in Bermuda and the K Club in Ireland.

Kim Goddard, head of sales at Royal Westmoreland, says: “We often find that potential purchasers might have the means to buy full ownership but are constrained by the amount of holiday time they have to utilise their home at this point in time. So for them this is a savvy way of buying a home that is aligned to their expected usage, controlling their expectations when arriving for their annual holiday while allowing them to benefit from capital uplift in the property value when looking at justifying a full ownership purchase.”

Development at Royal Westmoreland started in 1994 and the resort now boasts five-star amenities including a championship golf course, beach club, gym, pools, restaurants, tennis courts and an Elemis spa.

Royal Westmoreland continues to build more new homes around its

750-acre site, the latest phase being the five four-bedroom villas that make up Royal Palm Villas. Each property comes with a large private swimming pool and sweeping terraces in landscaped grounds and is furnishings throughout. The first of these properties is due for completion in September 2015. Owners also get the luxury service that rental guests receive, such as daily housekeeping and a seven-day-a-week concierge.

Royal Westmoreland launches fractional ownership

26 overseas Find your new home at Whathouse.com

A

The glamorous resort opens up a more affordable option to join the jet set

A luxury lifestyle awaits at Royal Palm Villas

Find out more at www.royalwestmoreland.com/ownership/fractional-ownership; 01524 889341

The 16th fairway at Royal Westmoreland

INDEPENDENT STUDY: “Softeners are among ‘very best’ household energy savers – ‘green benefits’ to water heaters, appliances and showerheads”LISLE, Illinois—EWT Water Softeners can save significant amounts of money and energy in the home, a major new study by the independent Battelle Institute has revealed. Softeners help preserve the efficiency of water heaters and major appliances, and keep showers and taps unclogged, the report found. In the study, dishwashers and washing machines were operated for 30 days and 240 completed wash cycles on soft and hard water sources. The units using soft water were almost completely free of any water scale build-up. Units using hard water showed the need for deliming and cleaning due to the build-up of scale and deposits.

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CALL NOW 0203 199 5042Alternatively, text: ‘EWT ORDER NOW & POSTCODE’ to 60066Or discover even more online atwww.ewtechnologies.co.ukEWT, 11 Viewpoint, Boxley Rd, Maidstone, Kent, ME14 2DZ. See www.ewtechnologies.co.uk/how-much-can-a-water-softener-save-me for more details. Savings depend on usage. The EWT water softener system needs softener salt, at additional cost, approx 1 bag every 8 weeks based on family of 4.

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The cost of limescale damage on your home appliances can be huge, not to mention the effects on your family’s wellbeing. Take advantage of this Exclusive Offer from EWT to remove limescale from your home...

HOW MUCH IS LIMESCALE COSTING YOU? Removing limescale from your cylinder can cut the cost of heating your water by 25%. Kitchen appliances operate more efficiently and last longer without maintenance. Just 1mm of limescale on pipes can increase energy consumption by over 7%, adding hundreds of pounds to the average home’s

DID YOU KNOW that each year, in a hard water area, the average family home will use water containing 154lbs (70kg) of scale. If

left unchecked, this mountain of limescale can cause serious – and expensive damage to your home plumbing and appliances, kitchen and bathroom fittings too.

The Carbon Trust estimate that just 1mm of limescale in water pipes can increase energy consumption by 7%. With utility bills set to rise for the foreseeable future, this represents a significant cost to the average family home.

Your household plumbing becomes increasingly inefficient, which makes heating your water extremely expensive. For example, a boiler with just 5mm of scale takes an extra 4 hours to supply the average home’s hot water – 90 minutes is all it should take!

And, of course, this limescale finds its way into your household appliances too. Just take a look into most kettles and the evidence is there for all to see. The furred up heating element, the heavily stained inside and the nasty flakes of scale which find their way into your morning cuppa.

Yes, you can buy a new kettle for less than a tenner, but washing machines and dishwashers are much more expensive to replace. Limescale build-up reduces the lifespan of the appliance and increases the likelihood of a breakdown. And who couldn’t do without the expense of calling out a plumber these days?

Even if you ignore the hidden dangers lurking in your water system, physical evidence of limescale damage is all too evident throughout your home.

In the kitchen, taps, tiles and stainless steel surfaces all bear the hallmarks of limescale damage. Evidence can be found on your pots and pans and, unless your dishwasher has just been installed, you will find tell tale water spots and stains on just-washed glasses and cutlery too.

In bathrooms and WCs, toilets, taps and tiles are dulled with scale damage, and the once-sparkling sink and shiny shower enclosure are almost impossible to keep clean for any length of time.

Even freshly washed clothes feel rough to the touch, and tiny scale particles can contribute to incidences of dry, irritating skin for yourself and family members.

New home builders and renovation companies are waking up to the damage limescale can cause, and the cost implications of leaving it unchecked. What’s the point in investing in that sparkly new kitchen or bathroom, only to see the shine come off within months, thanks to the build-up of limescale.

THE GOOD NEWS is that limescale can be permanently removed from your home quickly and easily, using a system that can pay for itself in the first 18 months.

After that, the significant savings are yours to keep... year after year! A whole-house Gold Series Water Softener System from EWT provides real cost savings in terms of service, maintenance and replacement of water heaters, dishwashers, washing machines and showers, and also extends their life expectancy.

SAVE MONEY, TIME AND WATER!Independent research on the benefits of EWT’s Gold Series System shows it can pay for itself in a matter of months. A lifetime of softened water will help you save time, water and money – up to £500 annually on detergents, heating and appliances

(depending on usage) – by installing a whole-house Gold Series System.

MAY HELP PROTECT SENSITIVE SKIN Whilst there is no hard and fast scientific

SPARKLING CLEAN BATHROOMS, TAPS, TILES AND FLOORS

Experience hassle-free bathroom cleaning without the need for endless scrubbing. How? Your EWT Gold Series System converts hard water into soft, making dirt and grime wash away easily. With EWT’s Gold Series System you can cut household cleaning time by up to 50%, giving you soft water and sparkling clean bathrooms and floors in half the time!

MORE POWER IN YOUR SHOWERAn EWT Gold Series System can also bring your shower back to life! No more clogged showerheads, no more ugly limescale scum on your shower door – just a powerful, invigorating shower experience every time.

HOT WATER COSTS LESSBetter still, you can save up to 30% or more on hot water costs – your usage of limescale removal products will also tumble when you install an EWT system. Combined with reduced maintenance costs, this represents a smart investment for you, your home and your wallet ... for years to come!

In fact, you can start saving right away with this INCREDIBLE OFFER from EW Technologies. An EWT engineer can install a Gold Series ‘whole-house’ system in under 3 hours for just £575 (inc VAT – was £999).

Installation is FREE (normally £140) and this offer includes an G1 Drinking Water System (normally £120) for crisp clear drinking water straight from your tap! That’s £260 of extra value, yours FREE when you call today! And that’s not all...

EWT guarantee that, if you find a better quality system for less, they will give you back three times the difference!

Call EWT on 0203 199 5042 now or visit www.ewtechnologies.co.uk

ONE FAMILY’S STORY

Despite moving into a brand new home, the Desai Family soon had a leaking tap in their bathroom. “After seeing how quickly limescale was building up on the outside of that tap, I could only imagine what it was doing to our new washing machine, heating system and shower. We called EWT to ask about their Gold Series system, which they said would remove limescale from our water forever! There was never any pressure from the adviser, and he made sure I understood everything – I had a lot of questions! I can now say I made the right choice with my EWT system. There is no more limescale in our home, cleaning is much easier – especially in the kitchen and bathroom – and I’m confident that I am protecting my appliances and boilers from unnecessary damage from hard water and limescale.”

Limescale build-up in washing machines and dishwashers significantly increases running costs and reduces the life expectancy of these costly kitchen appliances

SAVE MONEY WHEN YOUPROTECT YOUR HOME &YOUR APPLIANCES FROM

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proof that hard water irritates soft, sensitive skin, with the EWT System, clothes come out of your washing machine softer, towels aren’t as hard and don’t irritate soft sensitive skin as much.

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The value of your investment can go down as well as up and you may not get back what you put in. Stamps and certain other collectibles are not designated investments for the purposes of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 and as such are not subject to regulation by the Financial Conduct Authority (FCA) or otherwise. Past performance or experience does not necessarily give a guide for the future. Stanley Gibbons Investment does not provide valuations; please visit www.stanleygibbons.com for information on valuations, and investment.stanleygibbons.com for full terms and conditions.

For further information call 0845 026 7170, or get your free investment guide at: sginvest.co.uk/wh

There is a small yet significant investment market that can be

easily over-looked.

It’s the market for rare stamps.

Due to supply-demand dynamics, it’s a market that continues to grow, with fi nite, heritage assets sought by global collectors and astute investors.

It’s an alternative that offers strong portfolio diversification.

Uncorrelated with more traditional asset classes and with generally slow, steadily moving markets, rare stamps can off er a buff er against volatility.

It’s a market where experience and expertise make all the diff erence.

One where one name stands tall above all others: Stanley Gibbons, with our 158 years’ experience of ‘stock picking’ rare and precious stamps.

With no management, storage or insurance fees – Stanley Gibbons only charges a commission on any portfolio growth – investing in rare stamps (or coins) could prove very profi table.

So for an alternative investment opportunity that could both balance and grow your portfolio, why not invest in a small piece of history?

It could play a big part in your future.

Want to invest big?

Maybe you should think small.

Harborne Sales 0121 426 1876 Harborne Lettings 0121 426 2931

8am - 10pm everyday

Pop in and see us at 107 High Street, Harborne, Birmingham B17 9NR, or call us for a free valuation of your home.

Meet your local property experts and find out how we can help you.haart Sales The sales team is headed up by branch manager David Grubb who has over a decade’s worth of industry experience. He is joined by negotiators Levi Barratt, Catherine Higgins and Tanya Johnson. David believes the secret to any successful business is its dedicated and hardworking team of staff. This bright and energetic team balance great sales techniques with good honest advice and a commitment to providing our customers with the 1st class service they deserve. Harborne is a very desirable place to live, it has an urban village sort of feel, with good cafes, restaurants and pubs, yet Birmingham city centre is only just over a mile away.

haart Lettings haart Residential Lettings aim is to find the right tenants for the right property quickly. The lettings team comprises of Lettings Area Manager Minder Virdee who has been with the company over 7 successful years. He is joined by Negotiator’s Inderpaul Channa and Harminder Matharu who have helped the lettings business take off with great effect. “Key to our business is our ability to act as an advisor and treating everybody as an individual,” says Minder Virdee. “Our ability to let a property quickly and efficiently is based on two factors, marketing and price. Get both right and a property will not be on the market long.”

Stop guessing when -the time to sell is now!

Now is the time to sell and we will help you achieve the

best price for your home

Follow your ...

call us today for your free valuation or to discuss your sale

or go online to

Let us take the guesswork out of when to sell your home. House prices are strong, demand is growing and stamp duty is reduced.

Take advantage of our in-depth knowledge and intelligence, within your local market here in Harborne, so we can put you in the best position to get the best price for your home at the right time for you.

We have prospective buyers ready to view and we are available everyday from 8am - 10pm on 0121 426 1876.

HARBORNE