Brokenshire criticised for suggesting first-time buyers dip into pension

Officials say housing secretary’s idea ‘will be risky and does not help the people it intends to’

The housing and communities secretary, James Brokenshire, has faced criticism from Whitehall officials after suggesting that people should be allowed to dip into their pension funds to afford the deposit on a first home.

Officials at the Department for Work and Pensions (DWP) have written to Downing Street to say the idea was not cleared with them, and could carry risks.

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from Property | The Guardian http://bit.ly/2QGgHk5
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What Venetian baristas can teach us about choosing the right estate agent

Feeling a little lost looking for the right estate agent? All you need is a trip to Venice and a good coffee!

Selling your home can be an emotional and tiring slog, perhaps even onerous at times. But it doesn’t have to be that way. There is such a thing as an enjoyable selling experience, and all you have to do is choose the right estate agent. Read our guide to sell your home and keep your sanity too!

Let’s take a break from house talk, and enjoy a walk through the streets of Venice; after a little sightseeing, you pause at an independent coffee house to enjoy the views of the square. You enjoy the Italian barista’s stories, and they introduce you to the coffee bean farmers sat opposite. They listen as you describe your ideal coffee, and ask about your favourite foods and wines.

The barista leaves you momentarily to enjoy the surroundings, before treating you to your own customised coffee blend. It’s brewed and roasted to your exact liking. The personalised dusting that lays on top is impressively artful, and their efforts are appreciated. They smile as you taste, because they know they’ve got it just right, and watching people enjoy their coffee brings them happiness too. Their experience means that they get every note just right, and the warm crema topping spoils your taste buds.

You make your way back to the airport, but before you board the plane, you fancy one last Italian coffee. There’s plenty of choice, but none particularly catch your eye. So Cafe Nero will do. The cafe offers convenient and cheap refreshments, and the noisy bustle inside is a nice nod to the popularity of the chain. The waitress smiles, and waits for you to place your order. The menu offers a reasonable yet generic selection, but with a growing queue behind, you quickly default to your usual latte.

Personalisation goes as far as a flavoured syrup, before a button is pressed and the end liquid passes through the machine. The ‘to-go-cup’ is promptly popped on the end counter, and in a sea of cardboard blue, you ask the waitress to point out which is yours. Efficient, polite service, but unforgettable all the same. And the coffee? It’s good. You peel off the plastic lid to see a templated bean dusting. It’s trying to be the independent barista, but it’s just not. You don’t finish the cup, but it’s served its purpose. You board the plane, and head back to the UK.

So, on your trip to Italy, you enjoyed two Italian coffees. Each quenched your thirst, but only one made an everlasting impression. And only one experience gave you a story that you’ll share with your friends.

Choosing the right estate agent is exactly the same. Some agents have perfected the art of convenience and speed. Their service is almost templated, and for homes that fall into a particular mould, it can work. Take new builds for example. Developments are plentiful and scattered throughout the UK, and the homes are marketed at the Joneses. Prices generally fall in the lower brackets, and there isn’t too much variant in house styles.

These homes are functional and affordable, but they aren’t unique; so selling these home with a templated marketing service makes sense. But when you see a home with true personality and character, the convenient ‘one-shoe-fits-all’ approach just doesn’t, well, fit. That’s because when a home really is unique, it needs unique marketing too.

If that means that your home calls for a bespoke brochure, or you need the helping hands of a home stylist, your estate agent should have a team of professionals to hand. When they sit down to pen a marketing strategy with you, it should feel unique. Because if every effort is made to approach buyers differently, and to show them all the wonderful features of your home, people will want to step inside to experience it themselves.

So, perhaps you don’t need that trip to Venice after all. Because you may just find a team that can give you a unique experience back home. Make sure you choose the team that will indulge you with an extra special coffee, though.

Happy selling!

Sam

The post What Venetian baristas can teach us about choosing the right estate agent appeared first on Home Truths.

from Home Truths http://bit.ly/2QIJLr5
via IFTTT

What Venetian baristas can teach us about choosing the right estate agent

Feeling a little lost looking for the right estate agent? All you need is a trip to Venice and a good coffee!

Selling your home can be an emotional and tiring slog, perhaps even onerous at times. But it doesn’t have to be that way. There is such a thing as an enjoyable selling experience, and all you have to do is choose the right estate agent. Read our guide to sell your home and keep your sanity too!

Let’s take a break from house talk, and enjoy a walk through the streets of Venice; after a little sightseeing, you pause at an independent coffee house to enjoy the views of the square. You enjoy the Italian barista’s stories, and they introduce you to the coffee bean farmers sat opposite. They listen as you describe your ideal coffee, and ask about your favourite foods and wines.

The barista leaves you momentarily to enjoy the surroundings, before treating you to your own customised coffee blend. It’s brewed and roasted to your exact liking. The personalised dusting that lays on top is impressively artful, and their efforts are appreciated. They smile as you taste, because they know they’ve got it just right, and watching people enjoy their coffee brings them happiness too. Their experience means that they get every note just right, and the warm crema topping spoils your taste buds.

You make your way back to the airport, but before you board the plane, you fancy one last Italian coffee. There’s plenty of choice, but none particularly catch your eye. So Cafe Nero will do. The cafe offers convenient and cheap refreshments, and the noisy bustle inside is a nice nod to the popularity of the chain. The waitress smiles, and waits for you to place your order. The menu offers a reasonable yet generic selection, but with a growing queue behind, you quickly default to your usual latte.

Personalisation goes as far as a flavoured syrup, before a button is pressed and the end liquid passes through the machine. The ‘to-go-cup’ is promptly popped on the end counter, and in a sea of cardboard blue, you ask the waitress to point out which is yours. Efficient, polite service, but unforgettable all the same. And the coffee? It’s good. You peel off the plastic lid to see a templated bean dusting. It’s trying to be the independent barista, but it’s just not. You don’t finish the cup, but it’s served its purpose. You board the plane, and head back to the UK.

So, on your trip to Italy, you enjoyed two Italian coffees. Each quenched your thirst, but only one made an everlasting impression. And only one experience gave you a story that you’ll share with your friends.

Choosing the right estate agent is exactly the same. Some agents have perfected the art of convenience and speed. Their service is almost templated, and for homes that fall into a particular mould, it can work. Take new builds for example. Developments are plentiful and scattered throughout the UK, and the homes are marketed at the Joneses. Prices generally fall in the lower brackets, and there isn’t too much variant in house styles.

These homes are functional and affordable, but they aren’t unique; so selling these home with a templated marketing service makes sense. But when you see a home with true personality and character, the convenient ‘one-shoe-fits-all’ approach just doesn’t, well, fit. That’s because when a home really is unique, it needs unique marketing too.

If that means that your home calls for a bespoke brochure, or you need the helping hands of a home stylist, your estate agent should have a team of professionals to hand. When they sit down to pen a marketing strategy with you, it should feel unique. Because if every effort is made to approach buyers differently, and to show them all the wonderful features of your home, people will want to step inside to experience it themselves.

So, perhaps you don’t need that trip to Venice after all. Because you may just find a team that can give you a unique experience back home. Make sure you choose the team that will indulge you with an extra special coffee, though.

Happy selling!

Sam

The post What Venetian baristas can teach us about choosing the right estate agent appeared first on Home Truths.

from Home Truths http://bit.ly/2QIJLr5
via IFTTT

What Venetian baristas can teach us about choosing the right estate agent

Feeling a little lost looking for the right estate agent? All you need is a trip to Venice and a good coffee!

Selling your home can be an emotional and tiring slog, perhaps even onerous at times. But it doesn’t have to be that way. There is such a thing as an enjoyable selling experience, and all you have to do is choose the right estate agent. Read our guide to sell your home and keep your sanity too!

Let’s take a break from house talk, and enjoy a walk through the streets of Venice; after a little sightseeing, you pause at an independent coffee house to enjoy the views of the square. You enjoy the Italian barista’s stories, and they introduce you to the coffee bean farmers sat opposite. They listen as you describe your ideal coffee, and ask about your favourite foods and wines.

The barista leaves you momentarily to enjoy the surroundings, before treating you to your own customised coffee blend. It’s brewed and roasted to your exact liking. The personalised dusting that lays on top is impressively artful, and their efforts are appreciated. They smile as you taste, because they know they’ve got it just right, and watching people enjoy their coffee brings them happiness too. Their experience means that they get every note just right, and the warm crema topping spoils your taste buds.

You make your way back to the airport, but before you board the plane, you fancy one last Italian coffee. There’s plenty of choice, but none particularly catch your eye. So Cafe Nero will do. The cafe offers convenient and cheap refreshments, and the noisy bustle inside is a nice nod to the popularity of the chain. The waitress smiles, and waits for you to place your order. The menu offers a reasonable yet generic selection, but with a growing queue behind, you quickly default to your usual latte.

Personalisation goes as far as a flavoured syrup, before a button is pressed and the end liquid passes through the machine. The ‘to-go-cup’ is promptly popped on the end counter, and in a sea of cardboard blue, you ask the waitress to point out which is yours. Efficient, polite service, but unforgettable all the same. And the coffee? It’s good. You peel off the plastic lid to see a templated bean dusting. It’s trying to be the independent barista, but it’s just not. You don’t finish the cup, but it’s served its purpose. You board the plane, and head back to the UK.

So, on your trip to Italy, you enjoyed two Italian coffees. Each quenched your thirst, but only one made an everlasting impression. And only one experience gave you a story that you’ll share with your friends.

Choosing the right estate agent is exactly the same. Some agents have perfected the art of convenience and speed. Their service is almost templated, and for homes that fall into a particular mould, it can work. Take new builds for example. Developments are plentiful and scattered throughout the UK, and the homes are marketed at the Joneses. Prices generally fall in the lower brackets, and there isn’t too much variant in house styles.

These homes are functional and affordable, but they aren’t unique; so selling these home with a templated marketing service makes sense. But when you see a home with true personality and character, the convenient ‘one-shoe-fits-all’ approach just doesn’t, well, fit. That’s because when a home really is unique, it needs unique marketing too.

If that means that your home calls for a bespoke brochure, or you need the helping hands of a home stylist, your estate agent should have a team of professionals to hand. When they sit down to pen a marketing strategy with you, it should feel unique. Because if every effort is made to approach buyers differently, and to show them all the wonderful features of your home, people will want to step inside to experience it themselves.

So, perhaps you don’t need that trip to Venice after all. Because you may just find a team that can give you a unique experience back home. Make sure you choose the team that will indulge you with an extra special coffee, though.

Happy selling!

Sam

The post What Venetian baristas can teach us about choosing the right estate agent appeared first on Home Truths.

from Home Truths http://bit.ly/2QIJLr5
via IFTTT

I own a property – can I get a deal if I buy another with a friend?

He’s a first-time buyer and we’re hoping to get a better mortgage and pay less stamp duty

Q I am really hoping you could give me some advice. I am currently based in London throughout the week and spend most weekends in Nottingham where I recently bought a property as a first-time buyer. I am now interested in buying somewhere in London together with a friend. I know that I’m not a first-time buyer but my friend is. Are we able to use his first-time buyer rights to secure a 10% deposit mortgage, and what stamp duty would we be expected to pay?
MF

A The only “rights” first-time buyers have that I know of is not to have to pay stamp duty land tax (SDLT) on the first £300,000 of a property costing up to £500,000, to be able to earn a government bonus with a help-to-buy Isa (individual savings account) and, from April 2021 be eligible for the new government equity loan scheme (which until then is open to all buyers). You don’t have to be a first-time buyer to get a mortgage of 90% LTV (loan to value) where you would need to put down a cash deposit of 10% of the purchase price of a property. Lenders that offer 90% mortgages for first purchases also tend to offer those terms to people who have had a mortgage before.

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from Property | The Guardian http://bit.ly/2WhEMUs
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How to prepare your garden before selling your home Nottingham Estate Agents

Malcolm Button, Senior Estate Agency Manager at Aberdein Considine, gives some top tips for ensuring that outside space looks fresh and cared for Ensuring that your property looks fantastic indoors is always important but it’s crucial to spare a thought for your garden, which during the cold winter months can often become neglected. To help […]

The post How to prepare your garden before selling your home appeared first on OnTheMarket.com blog.

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Peterborough prepares for byelection that could see first Brexit party MP

A decade ago it was the UK’s fastest growing city, but hit by cuts and buy-to-let, support for Nigel Farage’s party is high

On Thursday, voters in Peterborough will take part in one of the most intriguing parliamentary byelections in recent memory. The constituency saw a knife-edge duel between Labour and the Conservatives at the 2017 general election and at last month’s European poll, 38% of voters in the city backed the Brexit party. A first seat in the House of Commons for Nigel Farage’s party is a distinct possibility. If that happens, it will send tremors through middle England, of which Peterborough is typical in many ways, not just geographically.

Economically, Peterborough performs averagely amid struggles with productivity. Wages are stagnant and it has been reshaped by migration, with foreigners arriving to work in the surrounding farmlands and distribution depots, contributing to a decade as the UK’s fastest growing city between 2001 and 2011.

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from Property | The Guardian http://bit.ly/2W5RuAI
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