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House-Flat price gap widening as demand for larger properties soars


Demand for all types of houses, from terraced to detached, has more than doubled in the current housing market – creating a disparity in average price growth when compared to flats.

A new report from Zoopla shows that family homes are most popular amongst buyers, with demand up 114 per cent compared to levels typically seen at this time of year between 2017 and 2019.

While flats and houses recorded almost equal price growth of 1.4 and 1.9 per cent respectively in June 2020, the pandemic ‘search for space’ has driven prices for houses up 7.3 per cent over the past year.

By contrast, demand for flats has failed to keep pace and, as a result, prices growth is lagging at just 1.4 per cent, the same rate of growth seen last year.

Price growth for houses is highest in Wales at 10.2 per cent and the North West at 8.8 per cent; it’s weakest in London at 5.6 per cent. Meanwhile, price growth for flats is highest in Scotland at 5.2 per cent and East Midlands at 3.7 per cent; again the weakest spot is London where prices have actually fallen 0.5 per cent.

In its more general market summary, Zoopla says UK house prices have reached a new high, averaging £230,700 per property and now tracking 30 per cent above the 2007 market peak. 

House price growth was up 5.4 per cent year on year in June, more than double the year on year price growth recorded 12 months ago, when annual house price inflation was tracking at 2.2 per cent.

Zoopla says prices are kept high by a severe shortage of homes for sale. 

There has been a  25 per cent fall in the volume of homes for sale in the first half of the year compared to the same period in 2020. Supply has now failed to keep pace with demand since January 2021, with no sign of a rebalance expected to play out imminently.

Transaction volumes also show no signs of abating, with sales agreed running 22 per cent ahead of average levels in 2020. That said, buyer demand dipped nine per cent in the first half of July after the initial stamp duty holiday ended, but overall remains elevated – up 80 per cent compared to the average for this time of year in the more  ‘normal’ market conditions in  2017 to 2019.

The portal forecasts that price growth will edge upwards to six per cent in the coming months before easing back towards the end of the year as the impact of the extended stamp duty holiday unwinds and the economic landscape becomes more challenging.

“Demand is moderating from record high levels earlier in the year, but remains significantly up from typical levels, signalling that above average activity levels will continue in the coming months” explains Grainne Gilmore, head of research at Zoopla.

“Demand for houses is still outstripping demand for flats. To a certain extent this trend will have been augmented by the stamp duty holiday, with bigger savings on offer for larger properties – typically houses. But underneath this, there is a continued drumbeat of demand for more space among buyers, both inside and outside, funnelling demand towards houses, resulting in stronger price growth for these properties” she continues. 

”London has a two-speed market at present, with domestic demand driving price growth in the outer boroughs, while the lack of international business and leisure travel is affecting demand in the more global real estate markets towards the centre of London. As Covid progresses at different rates across the world, unrestricted travel may not resume for some time yet, but when it does, demand will start to pick up once more. 

“Overall buyer demand coupled with constrained supply signal that price growth will continue to rise in the coming months, peaking at around six per cent, before falling back to between four and five per cent by the end of 2021.”

Original Article from Estate Agent Today 27/07/21

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Stamp duty forestalling leads to 219% jump in residential property transactions

strong mortgage figures

Residential transactions jumped exponentially in June 2021, compared to the same month last year when the property market was impacted by the coronavirus pandemic.

The latest statistics from HMRC show a 219.1% increase in residential transactions from June 2020 to June 2021, 74.1% higher than year-on-year figures to May this year.

However, when analysing the figures, HMRC advises caution due to the ‘substantial negative impacts’ of the pandemic on property transactions in June last year.

HMRC reports significant evidence of forestalling in the property market in June, whereby taxpayers completed property transactions early to take advantage of the stamp duty holiday, which ended for properties up to £500,000 on 30 June.

The provisional seasonally adjusted estimate of UK non-residential transactions in June 2021 is 10,850, 58.7% higher than June 2020 and 6.8% higher than May 2021.

Mortgage Engine managing director Cloe Atkinson says: “Today’s figures reflect how well the housing market has adapted to the unprecedented circumstances over the past year. Technology has played a significant role in this adaptation, but these figures are also a reflection of the Stamp Duty holiday, with thousands of buyers rushing to beat the deadline in June. There needs to be a balance in the market, with brokers and lenders working collectively towards a sustainable future.

“The stamp duty holiday has been an overwhelming driver in the housing market since its introduction in 2020. However, we need to keep an eye on the long term and how we are going to sustain a positive market as normal life resumes and activity begins to slow down. The potential affordability and vulnerability challenges for many buyers will also need to be addressed as the furlough scheme, along with other government schemes, come to an end later this year.”

Smartr365 chief executive Conor Murphy says: “The end of June brought closure to the first phase of the stamp duty holiday and one of the busiest periods ever witnessed by the property market. Today’s fantastic findings are testament to the success of the scheme in sparking further interest in an already busy market and positioning the industry as a key driver in the UK’s economic recovery.

“We have championed the stamp duty holiday as ‘the great equaliser’ since its introduction in July 2020 and will continue to do so long after its conclusion in two months’ time. The tax break has reduced the amount of upfront capital needed to get on the property ladder, made homeownership a more viable goal for thousands and provided a much-needed form of economic relief in a period where finances are increasingly strained.

“However, with brokers, conveyancers and lenders all juggling sky-high demand, it’s important that advisors manage client expectations and assess how mortgage tech can be used to streamline transactions before the holiday draws to an end in just 10 weeks’ time. Mortgage tech can act as an additional team member if used correctly. There’s no better time than today to see how features like one-click DIPs, task automation and digital ID verification can remove the legwork in your business, leaving you with more time to focus on what truly matters: providing clients with expert advice.”

Original Article from Mortgage Strategy 21/07/21

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Prices surge £21k in busiest six months on record: Rightmove

Price rise

The average asking price for a property in the UK has increased by £21,389 over the past six months alone, while the sales frenzy has resulted in a shortfall of properties available to buy, figures from Rightmove reveal.

The website says it has been the busiest half-year ever recorded and asking prices have broken new records for the past four consecutive months to reach an average of £338,447.

Over the past six months, prices have climbed by 6.7% and compared to June they are 0.7% higher, which is the strongest month-on-month growth at this time of year since 2007.

Annual growth of 5.7% was not quite as high as the past six-months’ rapid acceleration, which has been impacted by buyers rushing to complete before stamp duty reliefs were stepped down at the end of June. 

Rightmove notes that the first half of 2021 saw 140,000 more sales being agreed and 85,000 fewer new listings than the long-term average.

This surge in activity has created a shortfall between demand and supply of 225,000 homes.

The property website says that if these homes had been available for sale it would have corrected the imbalance and stabilised price growth.

The greatest shortfall is in the availability of homes with four or more bedrooms, as there has been a 39% surge in sales versus a 15% fall in availability of homes coming to market compared to 2019, resulting in an average price hike of 6.7% in the last six months.

Sales of three-bedroom homes have jumped by 28%, while supply has fallen by 10%, resulting in prices climbing by 6.9% so far in 2021. 

Sales of first-time buyer properties, with two bedrooms or fewer, were up by 26%, while prices rose by 3.4% for the half year.

The average number of available properties for sale per estate agency branch is at a new record low of 16 properties, compared with the previous low before 2021 of 25 properties and a longer-term average for this time of year of 31.

With the ongoing need for housing, high activity levels despite the June stamp duty deadline now passing, and with residential property prices appreciating more strongly than many other asset classes, Rightmove expects positive sentiment to continue.

But it says that there is an urgent need for the low stock of property to recover in order for price stability to return.

Rightmove expects that the number of sales completed in the first six months of the year and due to be reported by HMRC later this week is on course to be around 800,000, which could just beat the previous record of 795,000 set in 2007. 

The 2007 record was set under very different circumstances, at a time when mortgage lending criteria were much less stringent than in today’s more controlled market. 

Rightmove director of property data Tim Bannister says: “We predict that the number of completed sales will be the highest ever seen in a single month when June’s data is released by HMRC later this week. 

“This means it’s likely that the first half of 2021 has seen a record number of moves when compared with the first six months of any other year, induced by the pandemic’s side-effect of a new focus on what one’s home needs to provide. 

“That is one of the driving forces behind four consecutive months of new record average property prices. 

“Demand has also been boosted by the ongoing creation of new households, and property being seen as an asset to hold, with historically low returns from many other forms of investment. 

“New stamp duty deadlines in England and Wales for sales completed by the end of June have also helped to exhaust the stock of property for sale and concentrate activity. 

“This has left prospective purchasers with the lowest choice of homes for sale that we’ve ever recorded, continuing price rises, and stretched affordability.”

Bannister adds: “First-time buyers are currently benefiting from their sector having the most buyer-friendly conditions. 

“Choice is still more limited when compared to the same period in 2019, but price rises are the most subdued of any sector. 

“Saving a deposit is still very hard, but 5% is now an option, and with many paying rising rents, buying your own home on a lower deposit is becoming an opportunity again. 

“The opportunity is also there for property owners to come to market, as it’s still a great sellers’ market despite the recent end of the tax holiday in Wales and its scaling back in England. 

“We’ve also seen a much more efficient housing market over the past year, with the strong buyer demand and faster churn of homes leading to a much higher percentage of sellers finding a buyer for their home, and fewer unsold homes being withdrawn from the market. 

“Buyer sentiment remains strong, and the growth in new households combined with people living longer and having changed housing needs is exacerbating long-term housing stock shortages.”

Agent’s views:

Miles & Barr group director Rob Sabin says: “East Kent’s property market continues to be very active over the first six months of 2021 with buyers continuing to purchase the limited housing stock available. 

“The number of sellers coming to market has slowed as the year has progressed, which means we’ve seen the level of new listings coming to the market significantly decrease year on year, whilst in turn total available stock levels across the market is at the lowest we have seen in a number of years. 

“While the number of new listings has dropped, our results remained strong with 945 homes listed accepting an offer. 

“East Kent has also seen the number of buyers looking to relocate to either the countryside or by the coast increase with a fifth of applicants registered coming from Greater London.”

Benham and Reeves director Marc von Grundherr says: “The UK property market continues to defy expectation, with house prices reaching yet another record high despite whispers of a decline in values as a result of the tapered stamp duty holiday deadline. 

“There’s no doubt the stamp duty holiday has been the catalyst for this impressive market performance. 

“However, it isn’t the driving factor behind the intent to purchase for UK homebuyers and so a robust level of activity will remain long after it has expired. 

“When you couple heightened demand with a severe shortage of stock, it’s very likely that property values will remain buoyant for the remainder of the year, at the very least.”

Original Article from Mortgage Strategy 19/07/21

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Professional marketing sells homes quicker and for more – survey


Properties with professional marketing packs sell up to 48 per cent quicker than those without, according to an experiment conducted by Your Move and Reeds Rains.  

The exercise was undertaken with supplier FocalAgent and monitored over 3,500 properties over a three month period. 

Those with professional photography, floorplans and 360° tours, alongside Facebook advertising and premium listings, sold on average 48 per cent faster than those listed without.

The research reveals notable savings in marketing efficiency, increasing the overall volume of viewings by 13 per cent on average. Those properties given professional marketing of this kind also sold for an average of £1,600 more.

Oliver Blake of LSL Property Services – parent company of Your Move and Reeds Rains – says: “There’s no doubt that technology such as 360° tours and hosted virtual viewings became an established part of the COVID-19  property market. 

“As we come out of the pandemic, our agents now have a very exciting suite of tools that help win us more instructions by giving vendors a choice of products to maximise the number of viewings and help their property sell more quickly – while at the same time reducing the inconvenience of a large number of physical viewings in their home, if that’s what they wish.”

Lee Wainwright, a former agent and now chief executive of FocalAgent, adds: “Consumer expectations have changed permanently and this is what will drive the adoption of professional property marketing over the long term, particularly tools such as 360 tours and guided virtual viewings which have been invaluable to agents during the last eighteen months.”

Original Article from Estate Agent Today 16/07/21

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A fifth of UK homes rising in value by more than the average UK salary

House prices

More than 4.6 million properties, amounting to more than a fifth (21%) of all UK homes, have risen in value by more than the average annual salary in the past year, according to new research from Zoopla.

The data found that there are 4,635,000 private homes in the UK that rose in value by more than £30,500, the average UK salary, in the past 12 months.

On a more local basis, homes in the South West are most likely to be earning more than the average salary in the region. In the past 12 months alone, 29% of homes in the region increased in value by more than the average regional salary, which currently stands at £29,000.

Homes in the South East are the second highest top earners compared to the average salary. 28% of properties increased in value by more than the average regional salary of £32,900 over the last 12 months.

London, which many may have expected to come top, comes third on the list, due to the higher than average salaries earned there. Nearly a quarter (24%) of homes in the capital went up by more than the average London salary of £37,300 in the past year.

Despite homes in the North and Midlands rising less in monetary terms than their Southern counterparts, the lower house prices in these regions and the pace of house price growth means a notable proportion of homes are still rising at a higher level than local salaries.

Nearly one in five homes (18%) of homes in the North West, 17% of homes in the East Midlands, 14% of homes in the West Midlands and one in ten homes (9%) in the North East have gone up in value by more than the average salaries in these areas in the past year. In Scotland, the figure is 9%, whilst in Wales it is 22%.

Home values in some commuter hotspots have also outperformed local salaries over the last 12 months. In Mole Valley, Surrey, more than half (54%) of homes increased more than the average local salary, and in St Albans, that figure stands at 46%.

The shift among some homeowners from urban to more rural living during the pandemic has also resulted in house prices rising faster than local salaries in more rural and coastal areas. In Hastings, East Sussex, 62% of homes increased in value more than the average salary in the area of £25,800 in the past year. The figure is 60% in Adur, also in Sussex. Meanwhile, Dorset saw 47% and the Cotswolds saw 46% of homes increase more than the average salary.

Andy Marshall, chief commercial officer at Zoopla, commented: “As our agent partners know better than anyone, there’s been strong demand from home buyers since the market reopened after the first lockdown in May last year, compounded by the search for space and the stamp duty holiday.

“The impact this has had on house prices means that one in five homes in the UK have risen in value by more than the equivalent of a years’ salary over the space of 12 months.”

Original Article from Financial Reporter 16/07/21

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Boom: new figures show rental market rising 8.5% a year


Across Great Britain the pace of rental growth continued to climb in June, with rents rising 8.5 per cent year-on-year.

The data comes from Connells-owned agency Hamptons.

The firm says four of the 10 fastest months for rental growth over the last decade have been since the onset of the pandemic.

Stock scarcity has become a pressing issue, with 46 per cent fewer homes on the market than at the same time two years ago.  

In rural and suburban areas, the drop in rental homes on the market has been even greater.

Outside London, rents rose 10.9 per cent annually – the fastest rate of growth recorded during any time since 2014. Six regions saw rental growth hit double digits in June, up from five in May.  

Last month eight of the 11 GB regions recorded the biggest annual increases since the lettings index began in 2014.  Wales, the West Midlands and London were the only regions not to register record rental growth. 

Aneisha Beveridge, head of research at Hamptons, says: “Nationally, the last 12 months have seen five years of pre-pandemic growth squeezed into a year.  

“Rents are rising at such a pace that monthly rental growth figures could, in more normal times, be mistaken for annual ones.  While this growth is underpinned by a lack of stock, it will ultimately be tapered by affordability.”    

Original Article from Letting Agent Today 12/07/21

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TSB raises max LTV for flats to 90%


TSB has increased the maximum loan-to-value on flats and maisonettes to 90% LTV.

The lender has also brought in a new maximum loan size of £500,000 on flats where the LTV is higher than 85%.

New-build properties will be subject to a lower LTV of 80% or 85% for remortgages with additional borrowing.

The criteria improvements come after Moneyfacts today reported that The number of available mortgage products has grown for nine months in a row and rates have dropped at the fastest rate since June 2020.

This continuous increase in product numbers means that today’s 4,512 deals currently on the market makes for the largest choice since March 2020, when borrowers could opt from a total of 5,222 products.

Original Article from Mortgage Strategy 12/07/21

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House prices see first fall since January as stamp duty holiday winds down: Halifax

Prices fall

The average house price dipped for the first time since January, falling by 0.5% in June, according to the latest Halifax house price index.

As a result, annual house price inflation eased to 8.8%, compared to 9.6% in May.

Despite this, average prices are still more than £21,000 higher than this time last year, following a “broadly unprecedented period of gains”, according to the research.

Additionally, whilst the two Midlands regions and Greater London saw slightly slower annual price gains compared to May, all the other regions and nations continued to see a strengthening of inflation.

Wales (12.0%) continues to lead the way on annual house price growth, registering its strongest performance since April 2005, whilst Northern Ireland (11.5%), the North West (11.5%), Yorkshire and Humberside (10.9%) and Scotland (10.4%) all registered double-digit gains.

For Northern Ireland and Scotland, the annual price rises were the highest recorded since late 2007, while for the North West and Yorkshire, inflation was the strongest since early 2005.

At the other end of the scale, the South of England continues to lag somewhat behind the rest of the country, with Eastern England and the South East recording inflation rates of around 7%.

Greater London saw house price inflation of just 2.9% year-on-year, though Halifax says “there are several unique factors likely to be weighing on the capital’s property market”.

Halifax’s managing director, Russell Galley, said: “With the stamp duty holiday now being phased out, it was predicted the market might start to lose some steam entering the latter half of the year, and it’s unlikely that those with mortgages approved in the early months of summer expected to benefit from the maximum tax break, given the time needed to complete transactions.

“That said, with the tapered approach, those purchasing at the current average price of £260,358 would still only pay about £500 in stamp duty at today’s rates, increasing to around £3,000 when things return to normal from the start of October.

“Government support measures over the last year have helped to boost demand, particularly amongst buyers searching for larger family homes at the upper end of the market. Indeed, the average price of a detached home has risen faster than any other property type over the past 12 months, up by more than 10% or almost £47,000 in cash terms. At a cost of over half a million pounds, they are now £200,000 more expensive than the typical semi-detached house.

“That power of homemovers to drive the market, as people look to find properties with more space, spurred on by increased time spent at home during the pandemic, won’t fade entirely as the economy recovers. Coupled with buyers chasing the relatively small number of available properties, and continued low borrowing rates, it’s a trend which can sustain high average prices for some time to come.

“However, we would still expect annual growth to have slowed somewhat more by the end of the year, with unemployment expected to edge higher as job support measures unwind, and the peak of buyer demand now likely to have passed.”

Tom Bill, head of UK residential research at Knight Frank, commented: “The figures indicate how the second half of the year is unlikely to bear much resemblance to the first half for the UK housing market. We expect house price growth to narrow to mid-single digits as tax breaks wind down and supply picks up. Comparisons with the global financial crisis are misleading given how low interest rates remain and the fact the mortgage market acts as more of a brake and less of a lubricant for housing market activity than it did in 2007.

“House prices were driven higher by a supply squeeze as the UK came out of the pandemic, an effect seen in other sectors of the economy. If you add in a stamp duty holiday and the fact pent-up demand had been building for five years against the uncertain backdrop of Brexit, the result was a burst of house price inflation. In what may be a sign of things to come in the UK, housing market activity is now beginning to moderate in North American markets as the distortive effects of the pandemic recede.”

Sundeep Patel, director of sales at specialist lender Together, added: “Today’s figures reflect the first signs of stamp duty winding up, with house prices falling by -0.5% in June, the first monthly dip since January. Annual growth also softened at +8.8% compared to May’s +9.6%. 

“While the average house in the UK costs £260,358 – and prices are still over £21,000 more than they were this time last year – this dip has largely been anticipated given activity is expected to slow further after the summer. Indeed, it’s likely we’ll see figures dropping from the top end down to lower single digits by the end of the year. With the hotly anticipated Freedom Day back in our sights, a slight return to normality could see more sellers list their homes, offering broader supply in what’s been an overpopulated market.”

“Specialist lenders will be paying close attention to the shape of the market over the next few months. There are likely to be opportunities created from the backlog in demand from keen buyers needing better flexibility from the highstreet in order to quickly snap up properties.”

Original Article from Financial Reporter 07/07/21

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A record! Average UK rent over £1,000 pcm for first time


The average UK rent now stands at a record £1,007 per calendar month – the highest ever, according to HomeLet.

It’s up 5.9 per cent on the same time last year, and up 7.0 per cent on this time two years ago. 

London sees its first price increase for over a year, with an annual rise of 1.5 per cent to £1,607 ppm – although this is still lower than pre-Covid, when the average was £1,611 back in June 2019. 

Excluding London, the average UK rent is actually 8.0 per cent higher than last year, up to £861.

South West England saw the highest annual price rise, with the current average price of £948 ppm, marking a 10.5 per cent increase on this time last year, and a 12.6 per cent increase on pre-Covid levels. 

Scotland has seen the most significant rise in just the past month, with the average price rising 4.4 per cent to £738 pcm in June. 

Elsewhere, rent prices in the North East fell by 2.3 per cent compared to last month to an average of £547, one of only two regions to see a month-on-month price dip. 

Commenting on the latest data, Andy Halstead, HomeLet & Let Alliance chief executive, says: “Throughout the Coronavirus pandemic, the government rightly took measures to protect tenants but didn’t go far enough to balance the protection for landlords. 

“It’s a continuation of the theme that we’ve seen for many years, with landlords being penalised by higher taxes and increased complexity in obtaining possession of their properties. 

“In simple terms, increased costs for landlords mean increased costs for tenants. Some landlords have exited the market whilst the stamp duty holiday has stimulated the sales market, impacting the stock level. These are all factors driving an increase in rental values for new tenancies, which are way above the rate of inflation. 

“The private rented sector plays a critical role in the UK’s housing market. As restrictions begin to ease, the flexibility provided by rentals will be crucial to mobility across the UK and as a means to access affordable housing that fits the varying needs of a diverse range of tenants.  

“The sector works best when there’s a mutual balance between tenants, landlords and letting agents. The Government can’t treat the rental market as an afterthought. Policies that solely focuses on homeownership will only deepen the issues in the UK’s housing market.   

“Some people might be shocked to see the average UK rental price tip over the £1,000 mark, yet supply and demand dynamics will only continue to drive rental prices upwards for the rest of the year, and we’ll see more records broken in 2021.” 

Original Article from Letting Agent Today 05/07/21

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New House Vs Old House? Here’s How to Choose!

old or new

Out with the old and in with the new? Or, out with the old and in with the old?

Moving house can be wonderful but how do you choose where you will be living next?

Do you go for the period property with the character and quirks in need of a little love and attention, or do you opt for the new house with the ensuite, the study space and the double garage?

Choosing your next home in Chelmsford is a big decision. It’s a huge investment and so it must be right.

At Essex Homes And Lettings we’ve seen our fair share of old and new, so let’s look at what you should be considering when choosing.

What do you really want?

We speak with people all the time who know exactly what it is they want! However, equally, many don’t. So, what do you want from a new-to-you property?

  • Do you want a ready-to-live-in house?
  • Would you rather have a property where you know you will need to do some work?

Write the pros and cons of new and old and have a good ponder on the type of house you want.

Do you have the skills?

You may have decided that you want a doer-upper. You know the type. External walls need rendering, a rewire is required, new bathroom suite, the kitchen needs replacing…

But do you have the skills to do the work?

If you do, then great.

Do you have the time?

If you do, then greater still.

If you don’t, then this should steer you away from a house that needs work unless you have the budget to pay for professionals. If you’re going to bodge it, will it really become the home of your dreams? Unlikely! So, think carefully before taking on too much.

Is money no object, or are your finances tight?

Budgets play a huge part in any project, whether it’s a house you are renovating, or a new property that needs carpeting or decorating to your taste.

If you want to renovate, have you worked out all that you need to do, whether that’s materials or labour costs? And what about a contingency fund? What you don’t want to do is have a list of things to do and then forget important aspects which mean the budget is smashed through the roof.

You can of course renovate on a budget, but if you have not fully costed everything, you may be in for a shock.

New can mean brand new!

A new home is so easy to move into. You can practically unpack, add furniture and be having a cuppa within an hour or two!

If it is brand new, then there should be warranties on white goods or on the building itself, giving you peace of mind so brand new can be an ideal option if your skills are limited, your budget tight, and, to be honest, you don’t want to renovate a property.

Is an older property better?

Many older houses are perceived to have been better built than newer ones. It’s true, they might have more substantial building materials used in the construction process, have intricate tiled patterns, more spacious rooms, larger gardens, or handmade bricks.

But… newer homes will have up-to-date environmental standards, materials sourced from environmentally conscious suppliers, have better insulation, and have electric and plumbing systems that are unlikely to require replacing.

There are always going to be pros and cons to any house you buy, whether it’s an old one or a new one.

Right now, we don’t know what your requirements are, so come and talk to us and we’ll be able to help you make the right choice. In Chelmsford we’re lucky that we have old and new properties coming to market, so we could have the ideal house for you.

What do you prefer, old or new?

Call us on 01245398466 or email and let us know what you’re looking for.