Phoenix property magazine January 2014

IIInnnsssiiidddeee ttthhhiiisss iiissssssuuueee……… PPPrrrooopppeeerrrtttyyy aaadddvvviiiccceee::: GGGeeettttttiiinnnggg yyyooouuurrr hhhooouuussseee iiinnn ooorrrdddeeerrr...

EEEnnneeerrrgggyyy aaadddvvviiiccceee::: WWWooooooddd,,, aaa fffeeeeeelll gggooooooddd fffuuueeelll fffooorrr ttthhheee fffuuutttuuurrreee???

IIInnnsssuuurrraaannnccceee::: NNNooonnn ssstttaaannndddaaarrrddd hhhooommmeee iiinnnsssuuurrraaannnccceee...

JJJuuusssttt fffooorrr fffuuunnn::: MMMooovvviiinnnggg hhhooommmeee wwwooorrrddd ssseeeaaarrrccchhh...

LLLooocccaaalll nnneeewwwsss::: WWWhhhaaattt’’’sss ooonnn aaattt LLLooonnnggg SSSuuuttttttooonnn MMMaaarrrkkkeeettt HHHooouuussseee...

RRRiiiggghhhtttmmmooovvveee::: 555 tttoooppp tttiiipppsss fffooorrr gggeeettttttiiinnnggg aaa mmmooorrrtttgggaaagggeee...

LLLeeegggaaalll aaadddvvviiiccceee::: WWWhhhyyy hhhaaavvveee aaa sssuuurrrvvveeeyyy...

PPPLLLUUUSSS::: FFFuuullllll ppprrrooopppeeerrrtttyyy llliiissstttiiinnngggsss...

Cover photo: sunset at Sutton Bridge river bank.

206 Bridge Road, Sutton Bridge, Spalding, Lincolnshire, PE12 9SG Tel: 01406 359131 Fax: 01406 359939 Email: [email protected]

Open: Monday to Friday 9am – 6pm. Saturday 9am – 4pm. Closed: Sundays & Bank Holidays

Phoenix Property Magazine January 2014 FREE

PPrrooppeerrttyy aaddvviiccee::

GGeettttiinngg yyoouurr hhoouussee iinn oorrddeerr BByy MMrrss JJaaiimmiiee RRiiccee,, MMaannaaggeerr,, PPhhooeenniixx EEssttaattee AAggeennttss..

January is traditionally one of the busiest times of the year for the housing market. Properties that are well presented often have a better chance of reaping the benefits by securing an early sale to a motivated buyer or even to just encourage a more sensible offer. After all as a seller you want to help you estate agent to get the best possible price for you on your property – so help them by working with them, rather than having the presentation of your property being the thing that holds you back. There are some relatively quick and inexpensive steps that can help you to present your property in the best possible light: 1. CLEAR THE CLUTTER Be ruthless in clearing items out of view, think clear windowsills & uncluttered worktops and not having piles of stuff in corners. De-cluttering is important as is allows buyers to appreciate your property’s space and better imagine their belongings and furniture fitting in. Use it constructively to get rid of things you don’t intend to keep when you move and box up anything you won’t need as that will only give you a head start on the packing you would do when you move anyway. It may even in turn make the process of packing less stressful in the long run! 2. REMOVE TRACES OF PETS Particularly important in kitchens where some buyers may not like the idea of pets and food mixing. Vacuum sofas etc and make sure pets hairs aren’t visible on surfaces. Ideally try to confine pets to one room whilst viewings are happening – you want the buyers to pay attention to your property not your pets. 3. MAKE IT SMELL NICE/CLEAN Bad smells can be one of the biggest put offs and could make a buyer rush round and not look properly if the find it unattractive. Don’t cook a big curry or garlic meal the night before a viewing where the smell may linger, try to avoid smoking in the house, get friends to be honest with advice about pet smells. Flowers and pots of herbs can look attractive & also help with neutralising bad smells. Buyers will associate bad smells lingering in a property with added work – like pet smells or smoking – they will assume that they will have no choice but to replace floor coverings and completely redecorate for the property to feel clean to them and to permanently remove that smell. 4. GIVE IT A THOROUGH CLEAN A thorough dust, cobweb sweep and a good vacuum round are huge pluses in making a property more appealing if it looks like you have kept on top of cleanliness and maintenance – otherwise a buyer may get the impression they will find more negative things when they scratch the surface and you’ve moved out. Plus the better the light in your home the brighter and bigger it will seem – especially in these low light months of the year. One of my biggest tips is to ensure the grouting in the kitchen and bathroom is given a spruce up & the oven is clean – discoloured grout & dirty ovens very off end up putting buyers off as it leads to the assumption of poor hygiene & cleanliness. Like common statements of ‘I couldn’t see myself living there – I’d have to rip the bathroom out and replace the suite before I’d feel comfortable using it, or I wouldn’t want to eat food cooked in that kitchen’. 5. STAGE YOUR HOME Imagine that the photos are about to be taken of your property for a magazine for all to see. You wouldn’t want the washing up bowl full, or washing o the line, toys and paperwork everywhere and unmade beds. So show it at it’s best. Think fresh flowers, baked cakes or bread, fresh coffee brewing, open curtains and blinds to let the most light in, television off, neat cushions, fresh, matching and neatly folded towels in the bathroom all can help give the impression of a clean and cared for home. Buyers will factor the cost of anything negative into their decision. The better you present your home and the better maintained it looks, the better the chance a buyer won’t try to knock you so hard on your price – so financially for you it’s in your own interests to give the best impression. Also remember if you don’t do talking to people or your attitude on a viewing could put off a buyer then get your agent to do the viewing. After all you don’t want a good potential buyer to be put off by you because the atmosphere is off. Any good agent who cares about helping you and who feels you aren’t going to take it the wrong way will be honest and give you advice to help you present your property at it’s best. I know it’s not always nice to hear if there are negative points mentioned – but you have to remember to not take it personally – it’s advice to help you after all. No good employing an agent and not enabling them to be honest with you. We are expecting January to be a very busy time for both sales and new properties coming on the market, so give yourself the best chance.

If you would like any further advice or information please get in touch with call us on 01406 359131.

EEnneerrggyy aaddvviiccee:: WWoooodd……

AA ffeeeell ggoooodd ffuueell ffoorr tthhee ffuuttuurree?? By Adam Stittle, GreenWorks sustainable energy.

There's nothing like coming home to a roaring fire during the winter months, wood burning stoves room heaters and boilers not only create a pleasing and cosy aesthetic in a room in the depths of winter but can help to reduce fuel costs also. An open fire ticks all the 'eye pleasing' boxes but unfortunately is a very inefficient form of heat. Such a large percentage of it goes straight up the chimney and is never used where it's needed. A stove slows down the hot air rushing to outside and holds more of it in the fabric of the appliance.

A basic freestanding stove to heat a single room from GreenWorks sustainable energy is a surprisingly straight forward and less disruptive installation than many people believe. In fact the average install is completed in just a morning after any preparation and can be in use the same day. Further savings can be made via the use of a water-heating boiler stove. The same benefits apply in terms of a visible fire to huddle up to when the snow's falling but the same appliance can be used to heat water for long hot baths, showers and central heating. Don't worry either if your property has no existing chimney, there are lots of products available to quickly and effectively construct factory-made chimney systems in almost any situation. GreenWorks can also design systems to compliment an existing traditional oil or gas heating system in order to reduce running costs and are registered with HETAS the official body for solid fuel heating appliance installation, servicing and repair.

For any further advice or information relating to green energy and energy saving solutions please contact Adam Stittle of GreenWorks sustainable energy on 01945 479112.

YOUNGS ROW, SUTTON BRIDGE

£22,500 EPC RATING:C Modern (2011) leasehold terraced house available on an affordable housing 25% shared ownership scheme offering

2 bedrooms, downstairs cloakroom, upstairs bathroom, lounge/diner, kitchen, enclosed garden, allocated parking space, upvc double glazing and modern electric

radiator central heating.

TAVERNERS MEWS, LONG SUTTON

£55,950 EPC RATING:C

Modern (2006) 2 Bedroom terraced house available on a 50% shared ownership

scheme, situated convenient for town centre amenities benefiting from

kitchen/diner, downstairs cloakroom, upvc double glazing, gas central heating, allocated parking space, enclosed rear

garden & no upward chain.

MARCH ROAD, FRIDAY BRIDGE

£60,000

Building Plot on the outskirts of the popular village of Friday Bridge. Full

planning permission for a 3 bed detached house, Plot measures approx. 37ft/11.2m frontage x 59ft/17.9m depth (sts). Field

views front & rear. No upward chain.

NEW ROAD, SUTTON BRIDGE

£80,000

Building plot. Approx 0.5 acre site, Lapsed outline planning permission for a

single storey dwelling. Popular residential location, field view to one side, mature

trees on site. Golf course nearby.

CHESTNUT TERRACE, SUTTON BRIDGE £92,950 EPC RATING:D

Edwardian terraced house benefiting from

2 double bedrooms, 2 reception rooms, modern refitted kitchen & bathroom, gas central heating, upvc double glazing &

approx 100ft long enclosed rear garden. Internal viewing essential.

HARRYS WAY, WISBECH

OIEO £94,000 EPC RATING: C

Modern (2001) semi detached house situated on the outskirts of town

offering 2 bedrooms, lounge, conservatory, kitchen, shower room,

southerly facing enclosed low maintenance patio garden, off road parking, electric heating and double

glazing. View now!

YOUNGS ROW, SUTTON BRIDGE

£97,500 EPC RATING:E

Recently renovated Victorian 2 bedroom end terraced house offering 2 reception

rooms, refitted kitchen & refitted upstairs bathroom, upvc double glazing,

gas central heating, enclosed rear garden with field views & no upward chain.

Viewing essential!

BRIDGE ROAD, SUTTON BRIDGE


Modern 3 Bedroom semi detached house conveniently located for local amenities.

UPVC double glazing, Electric night storage heating, Off road parking,

Kitchen/Diner & Enclosed south facing low maintenance patio garden. No

Upward Chain.

HARRYS WAY, WISBECH

£99,995 EPC RATING: C

Modern 2 bedroom terrace house situated on the outskirts of town offering lounge,

conservatory, kitchen, refitted bathroom, upvc double glazing, electric night

storage heating, allocated parking space, enclosed rear garden & no upward chain.

Viewing advised!

INDIVIDUAL CONVERSION DEVELOPMENT OF 12 PROPERTIES CONVENIENT FOR LOCAL AMENITIES & BUS STOPS, FITTED KITCHEN

& BATHROOM, FLOOR COVERINGS, GAS CENTRAL HEATING, UPVC DOUBLE GLAZING

& 2 ALLOCATED PARKING SPACES. APPARTMENTS READY NOW CALL FOR MORE

INFO & TO BOOK AN APOINTMENT

PLOT 1: £79,950 1 bedroom end terraced coach house. Open plan lounge/diner, kitchen, downstairs cloakroom, en-suite bathroom.

PLOT 2: £79,950 1 bedroom terraced coach house. Open plan lounge/diner, kitchen, downstairs cloakroom, en-suite bathroom.

PLOT 5: £79,950 2 bedroom ground floor apartment. Open plan lounge and kitchen.

PLOT 10: £69,950 2 bedroom first floor apartment. Open plan lounge and kitchen.

SPECIFICATION: - Kitchens: Fitted units plus oven, hob with extractor, space for fridge/freezer, space/plumbing for washing machine. - Bathroom/Cloakroom/En-Suite: Fitted with white suite. - Double glazing & Gas central heating - Carpets/floor coverings included. *All information subject change.

PRINCES STREET, SUTTON BRIDGE

OIEO £100,000 EPC RATING:D

1920’s 3 Bedroom semi detached house, lounge/diner, downstairs bathroom, generous enclosed rear garden with

off road parking & outbuildings include utility, store & coal store, UPVC double

glazing, gas central heating with refitted boiler.



3 bedroom end terraced house convenient for bus stop & local amenities benefiting

from upvc double glazing, downstairs cloakroom, downstairs shower room,

upstairs bathroom, open plan kitchen/dining room, utility room, gas

central heating, carport & off road parking & enclosed rear garden.

WEST PARADE, WISBECH

£102,500 EPC RATING:D

3 Bedroom end-terraced house situated close to the town centre, 2 reception

rooms, downstairs shower room, majority double glazing & gas central heating, off road parking, rear garden & no upward

chain.

WICKFIELD COURT, WISBECH


Modern (2005) 2 bedroom terraced house situated in a popular residential

location offering kitchen/diner, downstairs cloakroom, upstairs

bathroom, upvc double glazing, gas central heating, southerly facing enclosed rear garden & allocated parking space. Internal viewing

essential!

RAILWAY LANE SOUTH, SUTTON BRIDGE £115,000 EPC RATING:E

3 Bedroom end terraced house, refitted kitchen/breakfast room, utility room, downstairs bathroom with separate

cloakroom, double glazing, gas central heating, off road parking, enclosed

courtyard garden & further 92ft/28m (sts) long lawned garden area with decking.

GOOSE GREEN, SUTTON BRIDGE


Modern semi detached bungalow situated on a popular location offering 2 double bedrooms, en-suite cloakroom, refitted

bathroom, conservatory, entrance porch, majority upvc double glazing, gas central

heating, garage, driveway & feature enclosed approx. 80ft/25m long rear

garden. View now!

CHURCH GATE, SUTTON BRIDGE


Modern 3 bedroom detached house offering kitchen/diner, downstairs

cloakroom, en-suite to master bedroom, double glazing, gas central heating, south facing enclosed rear garden, garage & off road parking. Internal viewing advised.


OIRO £125,000 EPC RATING:E

3 Bedroom detached bungalow convenient for local bus stop and

amenities requiring further updating and benefiting from kitchen/breakfast room, upvc double glazing, gas central heating, garage and off road parking, lawned rear

garden & no upward chain.

KING STREET, SUTTON BRIDGE

OIEO £125,000 EPC RATING:C

Modern detached bungalow situated within walking distance to amenities & bus stop offering 2 double bedrooms,

bath/shower room plus additional separate cloakroom, kitchen/diner,

utility room, off road parking, enclosed rear garden gas central heating, upvc

double glazing & no upward chain.

IInnssuurraannccee aaddvviiccee::

NNoonn SSttaannddaarrdd HHoommee IInnssuurraannccee BByy EElliizzaabbeetthh SSpprriiggggss,, CCoovveerrssuurree IInnssuurraannccee..

Non Standard Home Insurance - One size doesn't always fit all! In today's marketplace insurers are getting more and more selective with regards to home insurance often refusing to cover anything but normal standard risks. Well we have insurer who offers cover for all non standard risks covering things such as:-

Non standard construction

Subsidence

Flood history especially with what's occurred recently you may struggle to get insurance when your renewal comes up

Adverse claims history

Declined, refused or cancelled insurance

Previous convictions or bankruptcy Anything else which doesn’t meet the ‘One size fits all’ approach of the standard insurance market. We have obtained policies for customers who have struggled to find an insurer who will cover non standard risks. We have not one insurer to approach but a range of them so we will obtain a competitive premium for you. So if you know anyone in this situation or you think this could apply to yourself please give us a call on 08003081140 speak to Jane, Liz or Kat who are waiting to assist you. Coversure Insurance, the cover you want, the service you expect, the advice you need.

Jane, Kat, Liz, Richard and Kim wish you a happy healthy prosperous New Year!

FALKLANDS ROAD, SUTTON BRIDGE

OIEO £125,000 EPC RATING:C Modern 3 bedroom semi detached house,

popular residential location, refitted kitchen/diner, downstairs cloakroom, refitted upstairs shower room, garage,

parking, enclosed rear garden, upvc double glazing (installed 2009), gas

central heating (refitted boiler 2010) & no upward chain.

WRIGHTS LANE, SUTTON BRIDGE

£126,000

Residential development opportunity. Popular residential location with field view. Approx 0.5 acre site with lapsed

planning permission to demolish existing buildings & erect 4 dwellings & integral

garages. View Now!



End terraced 3 storey house with accommodation providing, 4 bedrooms,

bathroom, wet room/shower, 2+ reception rooms, utility room, enclosed rear garden, garage/workshop, majority

upvc double glazing & gas central heating. Needs to be seen inside to

appreciate layout & space of accommodation offered.

PRINCES STREET, HOLBEACH


Modern detached bungalow situated convenient for local amenities & bus stop

offering 2 double bedrooms, kitchen/diner, double glazing, gas central heating, garage, 2 off road parking areas, established & secluded rear garden with

patio areas. Internal viewing a must!



Detached bungalow situated in a popular location, 2 double bedrooms,

conservatory/utility, majority UPVC double glazing, gas central heating,

bathroom with corner bath & separate shower, garage & off road parking, good

size rear garden.

KENZIE DRIVE, SUTTON BRIDGE


Modern (2006) 4 bedroom end terraced house offering 2 reception rooms,

kitchen/breakfast room, utility room, downstairs cloakroom, upstairs bathroom, en-suite shower room, garage, parking,

enclosed garden, upvc double glazing, gas central heating & no upward chain.

CHALK LANE, SUTTON BRIDGE


Modern 3 bedroom detached house with field views benefiting from lounge/diner,

separate dining room, utility, conservatory, downstairs shower room, upstairs bathroom, upvc double glazing, off road parking & south facing enclosed

rear garden. View Now!



3 Bedroom detached house situated in a popular residential location offering

lounge/diner, refitted kitchen, utility room, downstairs cloakroom, modern upstairs bathroom, garage, driveway,

enclosed gardens, upvc double glazing, gas central heating & now upward chain.

View now!

GRANVILLE TERRACE, SUTTON BRIDGE


3 Bedroom detached house offering lounge/diner, conservatory, refitted

kitchen open plan to family room with breakfast/utility area, refitted upstairs

bathroom, block paved driveway/parking area, enclosed rear garden, upvc double glazing & gas central heating. Internal

viewing essential!

JJUUSSTT FFOORR FFUUNN –– WWOORRDD SSEEAARRCCHH

WWHHOO TTOO NNOOTTIIFFYY WWHHEENN YYOOUU MMOOVVEE::

BANK UTILITY SUPPLIERS POST OFFICE EMPLOYER TELEPHONE PROVIDER BROADBAND CATALOGUES BUILDINGS SOCIETY SKY

LOYALTY CARDS RELATIVES FRIENDS INCOME TAX DOCTORS DENTIST VETS OPTICIANS SCHOOLS

INSURERS DVLA LOCAL COUNCIL MILKMAN NEWSPAPER DELIVERY INSURERS

VILLA CLOSE, LUTTON (LONG SUTTON) £149,950 EPC RATING:D

Modernised detached bungalow in a

popular cul de sac with field views to one side, 2 double bedrooms, individual open

plan layout, modern refitted kitchen/breakfast room, dining

room/study, utility, refitted bathroom, enclosed rear garden, garage, off road

parking, upvc double glazing & gas central heating.

SOUTH DROVE, LUTTON MARSH


Semi detached house in a rural location with field views to front, side and rear.

Offering 3 double bedrooms, lounge/diner, kitchen/breakfast room, utility room, downstairs shower room, detached barn/outbuilding, off road parking, gardens, oil central heating,

upvc double glazing & no upward chain.

LONDON ROAD, LONG SUTTON

£155,000 EPC RATING: D

3 Bedroom detached house benefiting from rear field view,2 reception rooms

plus conservatory, downstairs cloakroom, modern upstairs bathroom,

detached single garage with utility room, driveway, parking area, upvc

double glazing, gas central heating & rear garden. Internal viewing essential!

CHALK ROAD, WALPOLE ST PETER


Extended 1830s Period 3 bedroom semi detached cottage in a sought after village

offering 2 reception rooms plus conservatory, downstairs bathroom plus

separate cloakroom, utility room, oil central heating, double glazing, enclosed

lawned garden with decking areas, summer house & off road parking.

BRIDGE ROAD, LONG SUTTON

OIRO £160,000 EPC RATING:C

Modern (2004) detached chalet style house, 3 bedrooms, en-suite to master,

family bathroom & downstairs cloakroom, L-shaped lounge/dining room, kitchen/ breakfast room, utility, detached single garage, extensive off road parking, gas central heating & upvc double glazing.

SPALDING ROAD, HOLBEACH


1930s 3 bedroom detached house convenient to town centre amenities,

schools and bus stops, 2 reception rooms plus conservatory, downstairs cloakroom,

upstairs bath/shower room, extensive block paved driveway, garage, south

facing enclosed rear garden, upvc double glazing & gas central heating.

MILL LANE, SUTTON BRIDGE


Modern detached bungalow in a no through lane close to amenities & bus stop, 2 double bedrooms, bathroom, refitted shower room, lounge, dining room, conservatory, refitted kitchen, utility, integral garage, driveway, gas central heating, upvc double glazing,

feature garden with orchard area, redecorated throughout. View now!



Modern 4 bedroom detached house, 3 reception rooms, modern kitchen, refitted bathroom, refitted en-suite

shower room & downstairs cloakroom, garage, off road parking, enclosed rear garden, gas central heating & majority

wood effect upvc double glazing.

WOAD LANE, LONG SUTTON


Modern4 bedroom detached chalet house, front field views, lounge/diner, family

room, kitchen, utility, downstairs cloakroom, upstairs bath/shower room, en-suite & walk in wardrobe to master

bedroom, en-suite shower/sink to ground floor bedroom, double glazing, oil central heating, off road parking & enclosed rear

garden. Internal viewing essential!

LONG ROAD, TERRINGTON ST CLEMENT £189,950 EPC RATING:D

1930s semi detached house on an overall plot approaching approx. 1 acre (sts) in a

rural location with field views front & rear, 2 double bedrooms, 2 reception rooms plus conservatory, downstairs

bath/shower room, upstairs cloakroom, utility room, extensive parking, upvc double glazing, oil central heating.



Period (1850) 3 bedroom detached house, 2 reception rooms, utility, downstairs

bathroom, en-suite to master bedroom, cloakroom facilities to guest bedroom,

garage, off road parking, feature established gardens, upvc double glazing & gas central heating with refitted boiler.

Internal viewing a must to appreciate!

WRIGHTS LANE & NEW ROAD,

SUTTON BRIDGE £205,000

Residential development opportunity, 2 sites together. Total of 5 plots. Popular

residential location with field view. Approx 0.5 acre site with lapsed planning permission to demolish existing buildings

& erect 4 dwellings with garages. Plus further approx 0.5 acre site with lapsed

outline planning for a single storey dwelling.

DOCKINGS HOLT, LUTTON


Extended detached cottage, overall plot of 0.57 acre(sts), semi rural location on

outskirts of Long Sutton, 3 double bedrooms, en-suite to master bedroom, bath/shower room, 3 reception rooms, conservatory, utility room, upvc double glazing, gas central heating & extensive

off road parking.

RICHARD BUSBY WAY, LUTTON


Modern (2005) detached house in a popular village cul-de-sac, front field

views, 3 double bedrooms, 3 reception rooms plus conservatory, en-suite to master bedroom, bath/shower room, downstairs cloakroom, utility room,

double garage, landscaped gardens, upvc double glazing & gas central heating.

STATION ROAD, LONG SUTTON


Detached house, original part dating back to mid 1800s, part field views,

4 double bedrooms, 4 reception rooms, upstairs bath/shower room, downstairs

cloakroom, majority UPVC double glazing, gas central heating, off road parking, side

gardens, no upward chain.

RICHARD BUSBY WAY, LUTTON

FIXED PRICE £249,975 EPC RATING:C

Modern (2006) detached house in a popular village cul-de-sac location, 4 double bedrooms, 2 reception rooms,

kitchen/diner, utility, downstairs cloakroom, en-suite, upstairs bathroom, upvc double glazing, gas central heating,

double garage, enclosed garden with feature summerhouse & no upward chain.

NORWICH ROAD, WISBECH


Individual detached house built in 1956 in an elevated position on an overall plot of

0.33 acre (sts), renovated throughout offering open plan lounge & dining room,

fitted kitchen with pantry, 3 double bedrooms, upstairs & downstairs

cloakrooms, bathroom, tandem garage, driveway & feature tiered rear garden.

CHALK ROAD, WALPOLE ST PETER


Modern detached house, 4 double bedrooms, dressing room & en-suite to master bedroom, 2

nd bedroom with en-

suite, downstairs cloakroom, 3 reception rooms & conservatory, kitchen, utility

room & breakfast room, integral double garage, established enclosed rear garden, UPVC double glazing & no upward chain.

LLooccaall NNeewwss:: WWhhaatt’’ss oonn aatt tthhee

MMaarrkkeett HHoouussee iinn JJaannuuaarryy.. BByy JJeeaannnnee SSiibblleeyy,, DDeevveellooppmmeenntt OOffffiicceerr//CCeennttrree MMaannaaggeerr..

LONG SUTTON MARKET HOUSE CHRISTMAS CLOSING. The Market House will reopen on Thursday 2nd

January 2014. MARKET HOUSE RECEPTION Come and meet our friendly volunteer receptionists for tourist information, bookings, local information Housing and Benefit forms for South Holland District Council, recycling bags, bus pass forms. SOUTH HOLLAND DISTRICT COUNCIL CUSTOMER SERVICES are in the Market House Reception Tuesdays and Thursdays if you have a concern no need to travel to Spalding come and meet an adviser on these days at the Market House. LONG SUTTON YOUTH GROUP EVERY THURSDAY 6.30pm to 8.00pm ring 01406 366767 for more details. Youth Club starts Thursday 9th January LINCOLNSHIRE VOLUNTEER CARD CHILDRENS LINKS This Free course is for all Volunteers aged 16 plus. The Lincolnshire Volunteer Card programme gives you essential volunteering skills and you will receive a certificate and Lincolnshire Volunteer Card recognised across the county. Join in and come to the Market House course Wednesdays 15th, 22nd, 29th January 5th, 12th 19th February 6.30pm to 8.30pm ring 08453730645 or email [email protected] or visit at http://www.childrenslinks.org.uk/ WEA GARDENING COURSE starts Every Wednesday 10.30am 21st January 2014 ring Market House reception for more details 01406 366767 CITIZENS ADVICE BUREAU Every Monday and Thursday morning 10am to 1.00pm Mondays are a drop in, Thursdays are for Booked appointments only. CAB will be available on Monday 23

rd December Drop in. 10.00am to 1.00pm. The Market House

then closes. TAI CHI every Thursday 12.30pm to 1.30pm call in to the Corn Exchange Market House Reception 01406 366767 THE LINCOLNSHIRE CREDIT UNION Is open at the Long Sutton Market House on Fridays at 10.00am. The opening times will be every Friday 10.00am to 12 noon. Think of us as a Community Bank that is run by professional volunteers, working under the strict regulations of the Financial Services Authority. When it comes to borrowing money, we make everything simple! We are able to offer loans of between £100 and £3000, with a typical monthly rate of 2% on a reducing balance. All loans are approved on a capacity to repay basis, so poor previous credit may not be a problem. If you would like to save then there are easy access savings accounts with a competitive rate of interest, call in and chat to us on Friday mornings. AGAPE CARE FOOD BANK BRANCH AT THE MARKET HOUSE There is a collection point for donated food in reception open each day 9.30am to 4.00pm Monday to Friday. Please remember those in need this Christmas, any Christmas foods would be much appreciated, puddings, chocolates, crackers. Can you help with dried dog and cat food for those struggling with pets. MIGRANT WORKERS ENGLISH LANGUAGE AND LIFE SKILLS CLASSES Free, 7.00pm Tuesday and Wednesday evenings in the Long Sutton Market House ring Market House Reception for more details 01406 366767.

Long Sutton Market House Corn Exchange is an excellent venue for family events and celebrations, for exhibitions, performances and concerts. Come and see what else we have going on, Craft groups, Citizens Advice

Bureau, Photographic Group. Phone Market House reception on 01406 366767 for more information. www.longsuttonmarkethouse.org

MMaarrkkeett HHoouussee PPhhoottooggrraapphhyy GGrroouupp

Happy New Year from everyone at the Market House Photography Group Our next meeting takes place on Monday 13th January at 7.30pm at the Market House, Long Sutton. All welcome. Subscription renewals due. Congratulations to our winners in our Photographer of the Year competition, prizes will be presented at the January meeting. The 2014 competition starts in February. Our 2014 programme is nearing completion, highlights include field trips to London & York see adverts for details. We will also be welcoming some guest speakers and also doing some practical sessions.

mailto:[email protected]

http://www.childrenslinks.org.uk/

BACK ROAD, MURROW


Modern 6 bedroom house situated in a rural village location benefiting from 3 reception rooms, 3 en-suites, family

bath/shower room & downstairs cloakroom, utility room, detached garage, off road parking, enclosed

garden, upvc double glazing & oil central heating. Viewing essential!

SALTS ROAD, WEST WALTON


Modern 5 bedroom detached house, overall plot 0.19 acre (sts), 2 en-suites,

kitchen/diner, conservatory, study, utility, downstairs cloakroom, workshop, double garage & extensive parking, oil central heating, UPVC double glazing & secluded rear garden with decking area.

HUNGATE ROAD, EMNETH


Modern detached house overlooking fields to the front offering 4 double bedrooms,

en-suite & dressing area to master bedroom, 2 reception rooms,

kitchen/breakfast room, utility room, downstairs shower room & upstairs

bathroom, galleried landing, garage, off road parking & enclosed garden.

MORE PROPERTIES URGENTLY NEEDED

DUE TO RECENT SALES SUCCESS.

GOT A PROPERTY TO

SELL IN OUR CATCHMENT AREA?

PLEASE CONTACT US

FOR A NO OBLIGATION APPRAISAL.

TEL: 01406 359131

LLooccaall NNeewwss:: TThhee NNaaiill LLoouunnggee

The recently opened Nail Lounge is situated above Salon 2 in Market Street, Wisbech. Holly Sutton is the owner of The Nail Lounge and she is fully qualified in luxury manicure and gel nail polish. Holly was trained by one of Harmony’s top trainers, Louise Calloway. Gelish is one of the best gel polishes on the market. It’s long lasting and hard wearing with a high shine finish and the polish can last up to three weeks at a time. There are a rainbow of colours available to suit all tastes and occasions ranging from French polish, pearly pastels to bright vibrant shades. The Nail Lounge is currently open every Wednesday from 10.00am until 4.00pm for walk in appointment’s, however, home visits and pre booked appointments are available to suit your requirements upon request. So why not get booked in for a little treat and a relaxing break from all that new year sales Shopping! If you would like glamorous looking nail’s then give Holly a call on 07863 552527

and book yourself an appointment!

RRiigghhttmmoovvee:: FFiivvee ttoopp ttiippss

ffoorr ggeettttiinngg aa mmoorrttggaaggee

There's more to moving than just spotting the ideal home. Here are five ways to ensure you do don't spend more than you need to when stepping on the housing market.

Check your credit rating You may think you've got a great credit record, and if you've always paid credit or store card debts on time, never got into arrears with your landlord or fallen behind with other payments, you're probably right. However, it's worth getting a copy of your credit file from the three companies that the financial sector speak to when reviewing mortgage applications – Experian, Equifax and Callcredit. You can get a copy of your credit report for £2, but be aware of 'free trials', as these tend to lead to monthly payments that you could do without. If you subsequently spot an error, contact the credit file company and ask them to correct it. Government schemes There are a number of government schemes that could help you to buy a home. These include Help to Buy: equity loan, through which you can borrow up to a fifth of the value of a new-build home in England (a similar scheme operates in Scotland and will be launched in Wales from January 2014). There's also the Help to Buy: mortgage guarantee, which can be used for older property and not just new-build homes. This is a UK wide scheme that can mean that you will only need to find a 5% deposit on properties worth up to £600,000. Homebuy is another scheme you could use. This allows you to buy at least 25% of your council or housing association home and pay rent on the rest of it. You can increase your ownership share over time until you own the property outright. Innovative lender schemes Some lenders, including high street banks and building societies, operate mortgage schemes that take into account the fact that a borrower will need more than a 5% deposit to get their hands on keys to their desired home. Each provider works in a different way. For example, some allow local authorities to indemnify up to 20% of the value of the property, so you can get a more attractive mortgage rate, as a large proportion of the borrowing is underwritten. Other mortgage providers allow parents to use their savings as a guarantee. The money they put into an account is not handed over to their children and will earn interest, but it can be recovered by the lender if the homebuyer defaults on their mortgage payments. For this reason, you'd get a preferable mortgage rate, but need to be aware of the risk should you fall out with your guarantor. Check with your bank or building society to see what schemes you could use. Fix a budget and be flexible about location Stamp duty bands, removal costs, solicitor's fees, estate agent costs, home insurance, utility bills, and general living costs all add up. So it's essential to work out the likely costs, add a little more for unexpected costs and use your total as a barometer when looking at what property you can afford. It's worth considering homes in areas slightly outside of your target location. Who knows? You could save a fortune just by living in a neighbouring postcode. Independent mortgage advice Buying a home is the biggest outlay you'll ever make, so it's important to explore all the options available to you. It's worth taking independent mortgage advice from a broker, who will not be tied to any one provider and can source mortgage products to give you more choice. All information accurate as of 09/12/2013.

Documents

Phoenix property magazine January 2014