Phoenix property magazine november 2013

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Cover photo Poppies at Gunthorpe Road Walpole Marsh

206 Bridge Road Sutton Bridge Spalding Lincolnshire PE1s2 9SG Tel 01406 359131 Fax 01406 359939 Email phoenixeabtconnectcom

Open Monday to Friday 9am ndash 6pm Saturday 9am ndash 4pm Closed Sundays amp Bank Holidays

Phoenix Property Magazine November 2013 FREE

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Following on from last months frequently asked questions blog I thought there some other common questions customers would appreciate me covering Q Irsquom a first time buyer and Irsquove have just started looking for a property I donrsquot quite know what the best way round doing it is with regards to having things in place Are there any tips you could give for being prepared and organised A First things first if you need a mortgage get financial advice ndash then at least you know how much you can afford to pay for a property amp also how much deposit you will have to have saved upavailable No point looking at properties if you donrsquot know if you will be able to get a mortgage or if you can afford the property Secondly register with estate agents to go on their mailing list so you can be kept up to date with potentially suitable properties Thirdly ring round a few solicitors for rough quotes so you have an idea of costs for the legal side of things Once yoursquove done those things get out viewing the properties you like and then you can take it from there Q I have seen a property I like and want to offer on what information is the estate agent likely to need in order to put my offer over to the seller A In order to qualify you as a buyer by ascertaining your position to buy they will need some key information and any professional agent wouldnrsquot normally put an offer over if they havenrsquot got all the information up front (as it wouldnrsquot be classed as an offer that has been qualified) They are likely to ask you for

1) Confirmation of your funding ability proof of deposit or cash funds (ie bank statement) amp proof of mortgage (ie a mortgage promise document or decision in principal from the lender) If you are getting your mortgage via a broker they may ask for the brokers name and phone number to verify mortgage-ability

2) Confirmation of the chain (if you are dependent on the sale of your own property) They will take your estate agents name and phone number from you and call them to get chain details to confirm if the chain is complete and proceeding

3) Proof of identity Under Money Laundering regulations they will want to see 2 forms of identity for each person purchasing the property ie one showing photo such as drivers licence or passport and second showing address like a recent (within last 3 months) utility bill or bank statement

4) Your solicitors details Not always necessary at offer stage but may be asked of you You can give the information if you have already chosen which solicitor will be acting on your behalf with regards to the purchase

Q The estate agent Irsquom dealing with says I have to use their recommended solicitormortgage advisor is this true or can I get my own A This is not true unless you have signed up to it as part of a package when instructing the agent to market your property (you should have had this explained to you before you signed to anything) You are fully within your rights to choose whichever solicitor or mortgage broker you wish to act on your behalf and agents are not allowed to force you to use their third party services ndash despite how some might cleverly try to word things Q I have been advised to see an independent mortgage broker but heard they charge an up front fee for giving advice Do they all charge up front to give advice A No not all independent financial advisors charge up front fees for giving you mortgage advice They are paid by the mortgage lenders if you proceed with a mortgage It sometimes pays to ask if they charge an up front fee before booking an appointment amp it pays to shop around Q Do I have to have a survey done on the property I am buying A If you are getting a mortgage the mortgage lender will insist on a mortgage valuation being carried out (which is not the same as an independent or more in-depth surveys) If you are a cash buyer no one can insist you have a survey the choice is yours Anyone official should be telling you yes that it is advisable to get a survey done on the property you are buying to arm yourself with information regarding the condition of the property that the estate agent or solicitor cannot give you Most surveyors offer 3 levels of survey depending on how in-depth you wish for them to be on the surveyproperty Q My solicitorsurveyor has recommended I obtain confirmation regarding the condition of the central heating amp electrics at the property Irsquom buying and that they are working Who is responsible for this Does this suggest there is a problem A If you want to satisfy yourself about the condition of fixturesfittings etc at a property it is advisable to get this checked for yourself They seller is under no obligation to get the boiler serviced if it hasnrsquot been done or have the electrics tested (other than providing any legally required documentation if works have been carried out) If it is a point of concern for you then it is up to you to get this checked yourself by an appropriate contractor Some sellers canwill negotiate regarding commissioning tests or servicing others wonrsquot It isnrsquot necessarily right to expect the seller to pay for reports that you require and are being done for your benefit Just because a surveyorsolicitor recommends you test these things out doesnrsquot necessarily suggest they think there is a problemissue with them Quite often they are following standard advisory protocols

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

YOUNGS ROW SUTTON BRIDGE

pound22500 EPC RATINGC Modern (2011) leasehold terraced house available on an affordable housing 25 shared ownership scheme offering

2 bedrooms downstairs cloakroom upstairs bathroom loungediner kitchen enclosed garden allocated parking space upvc double glazing and modern electric

radiator central heating

TAVERNERS MEWS LONG SUTTON

pound55950 EPC RATINGC

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

scheme situated convenient for town centre amenities benefiting from

kitchendiner downstairs cloakroom upvc double glazing gas central heating allocated parking space enclosed rear

garden amp no upward chain

MARCH ROAD FRIDAY BRIDGE

pound60000

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

planning permission for a 3 bed detached house Plot measures approx 37ft112m frontage x 59ft179m depth (sts) Field

views front amp rear No upward chain

WATERLEES ROAD WISBECH

pound65000 EPC RATINGD

Modern 1 bedroom end terrace bungalow requiring refurbishment benefiting from

lounge kitchen bathroom lean to greenhouse lean to side lobby enclosed

rear garden garage amp gas lsquowarm airrsquo central heating Viewing advised

PRINCES STREET SUTTON BRIDGE


Victorian 3 bedroom terraced house offering 2 reception rooms downstairs

bathroom wc to 3rd bedroom upvc

double glazing gas central heating garage enclosed south facing garden amp

no upward chain View now

QUEEN STREET SUTTON BRIDGE

pound79995 EPC RATINGE

Victorian terraced house offering 3 bedrooms loungediner inner hall

rear lobby refitted downstairs bathroom with white suite gas central heating

majority upvc double glazing enclosed rear garden with off road parking

redecorated throughout new carpeting upstairs Viewing essential

NEW ROAD SUTTON BRIDGE

pound80000

Building plot Approx 05 acre site outline planning permission for a single

storey dwelling Popular residential location field view to one side mature

trees on site Golf course nearby

ROMAN BANK SUTTON CROSSES

OIEO pound85000 EPC RATINGE

Former mission house now a 2 bedroom detached bungalow of non-standard

construction situated in a rural location on the outskirts of Long Sutton offering

lounge sun room shower room majority upvc double glazing oil central heating off road parking and gardens Internal

viewing a must

GOOSE GREEN SUTTON BRIDGE


Modern 1 bedroom semi detached bungalow in a popular residential location

benefiting from conservatory upvc double glazing gas central heating low maintenance enclosed rear garden amp

2 allocated parking spaces Viewing advised

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

amp BATHROOM FLOOR COVERINGS GAS CENTRAL HEATING UPVC DOUBLE GLAZING

amp 2 ALLOCATED PARKING SPACES APPARTMENTS READY NOW CALL FOR MORE

INFO amp TO BOOK AN APOINTMENT

PLOT 1 pound79950 1 bedroom end terraced coach house Open plan loungediner kitchen downstairs cloakroom en-suite bathroom

PLOT 2 pound79950 1 bedroom terraced coach house Open plan loungediner kitchen downstairs cloakroom en-suite bathroom

PLOT 5 pound79950 2 bedroom ground floor apartment Open plan lounge and kitchen

PLOT 10 pound69950 2 bedroom first floor apartment Open plan lounge and kitchen

SPECIFICATION - Kitchens Fitted units plus oven hob with extractor space for fridgefreezer spaceplumbing for washing machine - BathroomCloakroomEn-Suite Fitted with white suite - Double glazing amp Gas central heating - Carpetsfloor coverings included All information subject change

CHESTNUT TERRACE SUTTON BRIDGE pound92950 EPC RATINGD

Edwardian terraced house benefiting from

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

approx 100ft long enclosed rear garden Internal viewing essential

ADMIRAL COURT LONG SUTTON

FIXED PRICE pound93500 EPC RATINGC

Modern (2006) terraced house situated in a private courtyard within walking

distance of town centre amenities and health centre offering downstairs cloakroom upstairs bathroom gas

central heating upvc double glazing allocated parking space Viewing

essential to appreciate presentation

CUSTOM HOUSE ST SUTTON BRIDGE


Modern 3 bedroom semi detached house situated within walking distance of local amenities offering kitchendiner lean to

conservatoryutility off road parking enclosed rear garden gas central heating

amp no upward chain View Now



Recently renovated Victorian 2 bedroom end terraced house offering 2 reception

rooms refitted kitchen amp refitted upstairs bathroom upvc double glazing

gas central heating enclosed rear garden with field views amp no upward chain

Viewing essential

HARRYS WAY WISBECH

pound99995 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 amp no upward chain

Viewing advised

WEST PARADE WISBECH


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

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

chain

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

KitchenDiner amp Enclosed south facing low maintenance patio garden No

Upward Chain



1920rsquos 3 Bedroom semi detached house loungediner downstairs bathroom generous enclosed rear garden with

off road parking amp outbuildings include utility store amp coal store UPVC double

glazing gas central heating with refitted boiler



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

from upvc double glazing downstairs cloakroom downstairs shower room

upstairs bathroom open plan kitchendining room utility room gas

central heating carport amp off road parking amp enclosed rear garden

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Help to buy is a Government scheme which could make getting on to or moving up the housing ladder more accessible It helps existing home owners amp first time buyers purchase a home with as little as 5 deposit There are 2 parts to Help to Buy 1) NEW Mortgage Guarantee Scheme ndash launching early October 2013 2) Equity Loan Scheme ndash been available since April 2013 Both schemes will run simultaneously and will continue until 2017

What is the Equity Loan Scheme The Equity Loan scheme has been available since April 2013 and applies to new build properties only in England up to the value of pound600000 Buyers dont have to be first-time buyers ndash the scheme applies to all current and prospective home movers However the scheme wonrsquot apply for a second home ndash for instance an investor buy to let landlord or holiday home purchase wouldnrsquot be eligible The purchaser must also be looking to buy a property from a developer that has opted into the scheme Not all developers have opted in although most of the larger developers have and have had considerable success from the scheme in the year to date Buyers with a deposit of just 5 can apply to top up their deposit with an equity loan from the Government worth 20 of the purchase price The first 5 years of the government loan are charged at 0 interest After that time a fee of 175 plus an annual increase is charged The remaining 75 of the purchase price would be borrowed from the lender in the form of a traditional loan to value mortgage

What is the Mortgage Guarantee It will now be easier for existing home owners and first-time buyers to move to a resale or new build property with as little as a 5 deposit Crucially the scheme will give buyers access to up to 95 loan to value repayment mortgages on all resale and new build properties up to the value of pound600000 The buyer will own 100 of the property (previously the Equity Loan scheme was just for new builds only and was an equity loan meaning the buyer only ever owned 80 of the property)

Who is eligible for the scheme To qualify for the scheme customers will need to meet the following criteria

Available on resale and new build properties in the UK

Available to all home movers (eg trapped sellers those looking to sell and buy and first time buyers)

The purchaser needs a 5 deposit

Applies to properties up to the value of pound600000

Must be a residential repayment mortgage and not buy-to-let or interest only mortgage

The scheme is not available for those wishing to purchase a second home or buy-to-let

Buyer must be able to prove they can repay the mortgage (eg loan-to income credit scores and income multiples)

Borrowing from a participating mortgage lender

How does it work The scheme operates lsquobehind the scenesrsquo between the lender and the government The government guarantees 5 - 20 of the mortgage so should the purchaser default the lenders liability is reduced This encourages lenders to offer higher loan to value products such as 95 mortgages at more competitive interest rates This will be a traditional loan to value repayment mortgage (not an equity loan + mortgage product) where lenders will lend up to 95 on resale and new build properties up to a purchase price of pound600000 A buyer can now move by putting a deposit down from between 5-20 and still access favourable rates on their mortgages

How do buyers apply for a mortgage under this scheme Buyers will apply for their mortgage in exactly the same way as a normal application and they will need to speak with a mortgage broker or IFA to find out which lenders are offering the scheme There are no additional arrangement fees or application forms required in order to take advantage of Help to Buy Buyers will still be subject to lenders usual credit requirements income multiple hurdles and be able to prove they can repay the mortgage if interest rates increase

Which lenders will be part of the scheme Although not all lenders will be part of the scheme from day one Lloyds Banking Group RBS and NatWest have already committed to the scheme and others are likely to follow due to increased competition amongst lenders

Want more information or advice We have read up on the scheme and work alongside independent mortgage advisors so hopefully can assist with any further adviceinformation you may require Tel 01406 359131

Source Rightmove agents training

PEBBLE CLOSE SUTTON BRIDGE

OIEO pound105000 EPC RATING C

Modern 3 bedroom mid terraced house situated in a popular no through cul de

sac benefiting from kitchendiner downstairs cloakroom majority upvc double glazing gas central heating

allocated parking space amp enclosed rear garden View now

WICKFIELD COURT WISBECH

pound109950 EPC RATING C Modern (2005) 2 bedroom terraced

house situated in a popular residential location offering kitchendiner downstairs cloakroom upstairs

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

essential

RAILWAY LANE SOUTH SUTTON BRIDGE pound115000 EPC RATINGE

3 Bedroom end terraced house refitted kitchenbreakfast room utility room downstairs bathroom with separate

cloakroom double glazing gas central heating off road parking enclosed

courtyard garden amp further 92ft28m (sts) long lawned garden area with decking



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 amp feature enclosed approx 80ft25m long rear

garden View now

ALLENBYS CHASE SUTTON BRIDGE


3 Bedroom semi detached house situated on a corner plot offering 25ft long lounge

refitted kitchendiner utility room downstairs cloakroom upstairs bathroom

double garage driveway generous garden majority upvc double glazing amp gas central heating Viewing advised

KENZIE DRIVE SUTTON BRIDGE

OIEO pound120000 EPC RATINGC

Modern (2007) 3 bedroom terraced house offering loungediner kitchenbreakfast

room en-suite to master bedroom downstairs cloakroom upvc double

glazing gas central heating garage off road parking space and south facing

enclosed rear garden Viewing essential

CHURCH GATE SUTTON BRIDGE


Modern 3 bedroom detached house offering kitchendiner downstairs

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


OIRO pound125000 EPC RATINGE

3 Bedroom detached bungalow convenient for local bus stop and

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


KING STREET SUTTON BRIDGE


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

bathshower room plus additional separate cloakroom kitchendiner

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

double glazing amp no upward chain

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TTYYDDDD SSTT MMAARRYY SSTTRREEEETT NNAAMMEESS

CHURCH LANE CHURCH WAY COMMON WAY CROSSGATE DRAWDYKE GREEN DYKE HIXS LANE IBSTOCK CLOSE KILN DRIVE LOWGATE MARLEY CLOSE MIDDLE ROAD MILL LANE RECTORY ROAD THORPE CLOSE WILLOWS CLOSE WISBECH ROAD WOAD MILL BANK WORLDS END ROAD

SOLUTION

FALKLANDS ROAD SUTTON BRIDGE

OIEO pound125000 EPC RATINGC Modern 3 bedroom semi detached house

popular residential location refitted kitchendiner downstairs cloakroom refitted upstairs shower room garage

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

central heating (refitted boiler 2010) amp no upward chain

WRIGHTS LANE SUTTON BRIDGE

pound126000

Residential development opportunity Popular residential location with field view Approx 05 acre site with full

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

garages View Now

LONGDON CLOSE SUTTON BRIDGE


Modern 2 bedroom detached bungalow in a popular cul-de-sac offering lounge dining room (formerly 3rd bedroom)

conservatory refitted kitchen refitted bathroom cloakroom majority wood

effect upvc double glazing gas central heating single garage carport driveway

amp enclosed rear garden

RAILWAY LANE SUTTON BRIDGE


Link-detached bungalow in a semi rural location with field views to the rear

loungediner 2 double bedrooms wet room style shower room garage

extensive off road parking enclosed rear garden upvc double glazing amp gas central

heating with refitted boiler



End terraced 3 storey house with accommodation providing 4 bedrooms

bathroom wet roomshower 2+ reception rooms utility room enclosed rear garden garageworkshop majority

upvc double glazing amp gas central heating Needs to be seen inside to

appreciate layout amp space of accommodation offered

PRINCES STREET HOLBEACH

OIEO pound135000 EPC RATINGD

Modern detached bungalow situated convenient for local amenities amp bus stop

offering 2 double bedrooms kitchendiner double glazing gas central heating garage 2 off road parking areas established amp secluded rear garden with

patio areas Internal viewing a must

LANCASTER CLOSE LONG SUTTON


Modern (2001) 2 bedroom detached house situated in a popular cul-de-sac offering kitchenbreakfast room conservatory

refitted bathroom entrance porch upvc double glazing gas central heating garage with electric entrance door amp

enclosed rear garden Viewing essential to appreciate fully



Detached bungalow situated in a popular location 2 double bedrooms

conservatoryutility majority UPVC double glazing gas central heating

bathroom with corner bath amp separate shower garage amp off road parking good

size rear garden



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

kitchenbreakfast room utility room downstairs cloakroom upstairs bathroom en-suite shower room garage parking

enclosed garden upvc double glazing gas central heating amp no upward chain

CHALK LANE SUTTON BRIDGE


Modern 3 bedroom detached house with field views benefiting from loungediner

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

rear garden View Now



3 Bedroom detached house situated in a popular residential location offering

loungediner refitted kitchen utility room downstairs cloakroom modern upstairs bathroom garage driveway

enclosed gardens upvc double glazing gas central heating amp now upward chain

View now

WILLOWS CLOSE TYDD ST MARY


3 Bedroom detached bungalow situated in a popular village offering 2 reception

rooms bathshower room cloakroom oil central heating garage driveway

established gardens amp no upward chain View now

GRANVILLE TERRACE SUTTON BRIDGE


3 Bedroom detached house offering loungediner conservatory refitted

kitchen open plan to family room with breakfastutility area refitted upstairs

bathroom block paved drivewayparking area enclosed rear garden upvc double glazing amp gas central heating Internal

viewing essential

BURGESS DRIVE FLEET HARGATE


2 Bedroom detached bungalow in a no through cul-de-sac benefiting from

loungediner refitted kitchenbreakfast room detached double garage amp block paved driveway upvc double glazed

windows gas central heating generous southerly facing enclosed rear garden amp


VILLA CLOSE LUTTON (LONG SUTTON) pound149950 EPC RATINGD

Modernised detached bungalow in a

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

plan layout modern refitted kitchenbreakfast room dining

roomstudy utility refitted bathroom enclosed rear garden garage off road

parking upvc double glazing amp 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 loungediner kitchenbreakfast room utility room downstairs shower room detached barnoutbuilding off road parking gardens oil central heating

upvc double glazing amp no upward chain

LONDON ROAD LONG SUTTON

pound155000 EPC RATING D

3 Bedroom detached house benefiting from rear field view2 reception rooms

plus conservatory downstairs cloakroom modern upstairs bathroom

detached single garage with utility room driveway parking area upvc

double glazing gas central heating amp rear garden Internal viewing essential

BRIDGE ROAD LONG SUTTON

OIRO pound160000 EPC RATINGC

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

family bathroom amp downstairs cloakroom L-shaped loungedining room kitchen breakfast room utility detached single garage extensive off road parking gas central heating amp upvc double glazing

+

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Long Sutton Market House Corn Exchange is an excellent venue for family events

and celebrations for exhibitions performances and concerts

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 630pm to 800pm ring 01406 366767 for more details MARKET HOUSE MOVIES with Films in South Holland Oscar amp Lucinda Saturday 16

th November 230pm for 300pm start

tickets pound6 LONG SUTTON TOWN ARTS presents Double Booked Saturday 23

rd November 730pm Call 01406 366767 for information or for

tickets WEA GARDENING COURSE weekly Tuesday 17

th September 1030am to 12 noon

HOLBEACH TOWN BAND CHRISTMAS CONCERT Friday 13

th December 730pm Long Sutton Corn Exchange Tickets pound5 Call

01406 366767 for informationtickets CITIZENS ADVICE BUREAU Every Monday and Thursday morning 10am to 100pm Mondays are a drop in Thursdays are for Booked appointments only TAI CHI every Thursday 1230pm to 130pm call in to the Corn Exchange Market House Reception 01406 366767 HEALTH CHECK BUS Outside The Market House Friday 1

st November Come and get a free health check on the bus find out

your blood pressure check for diabetes and lung function THE LINCOLNSHIRE CREDIT UNION Is open at the Long Sutton Market House on Fridays at 1000am The opening times will be every Friday 1000am 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 pound100 and pound3000 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 930am to 400pm Monday to Friday

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 wwwlongsuttonmarkethouseorg

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Our next meeting takes place on Monday 11th November at 730pm at the Market House This will be the final round in our Photographer of the Year competition this months theme is Landscape Our next field trip is to Nottingham on Saturday 16th November whereby we will undertake a full day of tuition by Line amp Light Photography Cost is pound3250 If you are interested please contact Market House reception We are busy constructing our 2014 programme with variety of topics and field trips coming up Our December meeting will be our Christmas Social at The Granary Long Sutton New members welcome at anytime



Period detached cottage situated convenient to local amenities amp bus

stops 3 bedrooms 3 reception rooms plus conservatory kitchendiner utility

room upstairs bathshower room downstairs cloakroom garage driveway south facing enclosed rear garden upvc

double glazing amp gas central heating

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 bathshower room extensive block paved driveway garage south

facing enclosed rear garden upvc double glazing amp gas central heating

MILL LANE SUTTON BRIDGE


Modern detached bungalow in a no through lane close to amenities amp 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

GEDNEY ROAD LONG SUTTON


3 Bedroom 1930s detached house overall plot 015 acre (sts) 2 reception rooms

conservatory refitted kitchen with integral appliances utility refitted

upstairs bathroom downstairs shower room gas heating (refitted boiler) upvc double glazing garage extensive parking

amp rear garden with part field views



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

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

wood effect upvc double glazing

STANLEY DRIVE SUTTON BRIDGE


Modern 3 bedroom detached bungalow in a sought after location benefiting from 2 reception rooms plus conservatory

kitchendiner utility room en-suite to master bedroom upvc double glazing gas central heating double garage amp off road parking enclosed front amp rear gardens

PLATFORM DRIVE LONG SUTTON

OIEO pound179995 EPC RATING D

Modern detached bungalow on a corner plot in a sought after residential location

offering 3 double bedrooms kitchendiner utility room bathshower

room additional cloakroom garage driveway enclosed rear garden upvc double glazing amp gas central heating

Internal viewing essential

WOAD LANE LONG SUTTON


Modern4 bedroom detached chalet house front field views loungediner family

room kitchen utility downstairs cloakroom upstairs bathshower room en-suite amp walk in wardrobe to master

bedroom en-suite showersink to ground floor bedroom double glazing oil central heating off road parking amp enclosed rear

garden Internal viewing essential

LONG ROAD TERRINGTON ST CLEMENT pound189950 EPC RATINGD

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

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

bathshower room upstairs cloakroom utility room extensive parking upvc double glazing oil central heating

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By Liz Spriggs Coversure Insurance Wisbech

The following information is to advise you on safe in the home To decrease the risk of making a claim on your home insurance to keep your no claims bonus in tact helping you get good low cost cover

Burst pipes Severe winter conditions can damage thousand of properties each year Follow these simple steps to decrease the risk on your home

Leaving the heating on a minimum of 15 degrees

Insulate all pipes including those in the loft and the cold water tank

Ensure you know where the mains water supply is located in your home and that you know how to turn it off

Turn off water supply to any outside taps Fire prevention Follow these steps to reduce the risk of a fire in your home

Make sure you have smoke detectors fitted in prominent places and check the batteries on a regular basis

Never leave hot oil when cooking If it catches on fire cover it with a damp cloth or fire blanket ndash donrsquot throw water on it

Gas appliances should be regularly serviced by a Gas Safe registered engineer

Donrsquot overload plugs You should fit no more than one plug per socket use an extension lead if you require more

Ensure any cigarettes candles are properly extinguished and discarded appropriately

BurglarsOpportunists Avoid being a victim of crime by these simple steps to decrease the chances of a break in and making your home safer and more secure

Making sure you have locks on all windows and doors

Having an alarm installed and ensuring itrsquos used every time you go out

Keep cash keys and credit cards out of sight

Use time switches on lights so if yoursquore out at night it looks like the house is occupied

Ensure that any outdoor toys or bikes are locked securely in a shed or to a permanent structure

Fit outside lights with sensor detectors so you can see if anyone approaches your home

Make sure your outbuildingsgarage are always securely locked ndash ladders should be chained up so any opportunist cannot gain access to any upstairs windows

Coversure can assist you in getting low cost cover as we have access to whole of the market to obtain you the best possible cover to suit your needs If you would like a no obligation free quotation please call today on 0800 308 1140 to speak to Jane Liz or Kat who are ready to assist you

WRIGHTS LANE amp NEW ROAD

SUTTON BRIDGE pound205000

Residential development opportunity 2 sites together Total of 5 plots Popular

residential location with field view Approx 05 acre site with planning

permission to demolish existing buildings amp erect 4 dwellings with garages Plus

further approx 05 acre site with outline planning for a single storey dwelling

DOCKINGS HOLT LUTTON


Extended detached cottage overall plot of 057 acre(sts) semi rural location on

outskirts of Long Sutton 3 double bedrooms en-suite to master bedroom bathshower room 3 reception rooms conservatory utility room upvc double glazing gas central heating amp extensive

off road parking

MAGDALEN ROAD TILNEY ST LAWRENCE OIEO pound225000 EPC RATINGB

New detached house front views over village play area amp convenient access to A17 4 Double bedrooms 3 reception rooms downstairs cloakroom en-suite to master bedroom family bathshower room off road parking enclosed garden upvc double glazing oil central heating amp No upward chain

STATION ROAD LONG SUTTON


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

4 double bedrooms 4 reception rooms upstairs bathshower room downstairs

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

gardens no upward chain

RICHARD BUSBY WAY LUTTON


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

kitchendiner utility downstairs cloakroom en-suite upstairs bathroom upvc double glazing gas central heating

double garage enclosed garden with feature summerhouse amp no upward chain

NORWICH ROAD WISBECH


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

033 acre (sts) renovated throughout offering open plan lounge amp dining room

fitted kitchen with pantry 3 double bedrooms upstairs amp downstairs

cloakrooms bathroom tandem garage driveway amp feature tiered rear garden

CHALK ROAD WALPOLE ST PETER


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

nd bedroom with en-

suite downstairs cloakroom 3 reception rooms amp conservatory kitchen utility

room amp breakfast room integral double garage established enclosed rear garden UPVC double glazing amp no upward chain

BACK ROAD MURROW


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

bathshower room amp downstairs cloakroom utility room detached garage off road parking enclosed

garden upvc double glazing amp oil central heating Viewing essential

SALTS ROAD WEST WALTON


Modern 5 bedroom detached house overall plot 019 acre (sts) 2 en-suites

kitchendiner conservatory study utility downstairs cloakroom workshop double garage amp extensive parking oil central heating UPVC double glazing amp secluded rear garden with decking area

HUNGATE ROAD EMNETH


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

en-suite amp dressing area to master bedroom 2 reception rooms

kitchenbreakfast room utility room downstairs shower room amp upstairs

bathroom galleried landing garage off road parking amp enclosed garden

SSuuttttoonn BBrriiddggee iinn BBlloooomm

lsquolsquoBBiigg BBlloooommeerrssrsquorsquo NNeewwss By Mrs Rocki Freezor Chair of SBiB Big Bloomers

October saw the Opening of the Community Garden by Mr John Hayes MP luckily it was a fine morning which has been a rare thing over the last week or so There is still a lot of planting to be done on the Community Garden The small beds at the back are mow almost fully planted and the bed at the front of the garden will be planted as and when the plants become available Watering of all the containers has now ceased and these will be emptied over the next week or two Pruning and tidying up of our other garden beds will be done whenever the weather allows over the winter months Watch out for us in our Hi-Viz jackets as we carry out our gardening tasks in the village If anyone would like to join us you will be very welcome

Mr John Hayes amp Chair of SBiB Mrs Rocki Freezor at official opening of Community Garden on 12th October

On 15

th October some lsquo Bloomersrsquo joined in with the Litter picking group from South Holland Council together with others who

had also volunteered and armed with black bags and litter grabbers provided by the Council we cleared up a large amount of litter Surprisingly there wasnrsquot as much litter in the Memorial Park as we thought there would be maybe the previous dayrsquos strong winds had blown it away We then went to the play area at the rear of the British Legion Hall via King Street Two Bloomers also did part of Bridge Road A good number of bags were filled during the few hours we spent litter picking One lucky man picked up the lsquoGolden Canrsquo which had been lsquohiddenrsquo by the SHDC team and was awarded with a Voucher - a grand result for a few hours of litter picking

AAggeennttss BBlloogg

BBuuyyiinngg ampamp sseelllliinngg FFAAQQ ccoonntthelliphellip BByy MMrrss JJaaiimmiiee RRiiccee MMaannaaggeerr PPhhooeenniixx EEssttaattee AAggeennttss

Following on from last months frequently asked questions blog I thought there some other common questions customers would appreciate me covering Q Irsquom a first time buyer and Irsquove have just started looking for a property I donrsquot quite know what the best way round doing it is with regards to having things in place Are there any tips you could give for being prepared and organised A First things first if you need a mortgage get financial advice ndash then at least you know how much you can afford to pay for a property amp also how much deposit you will have to have saved upavailable No point looking at properties if you donrsquot know if you will be able to get a mortgage or if you can afford the property Secondly register with estate agents to go on their mailing list so you can be kept up to date with potentially suitable properties Thirdly ring round a few solicitors for rough quotes so you have an idea of costs for the legal side of things Once yoursquove done those things get out viewing the properties you like and then you can take it from there Q I have seen a property I like and want to offer on what information is the estate agent likely to need in order to put my offer over to the seller A In order to qualify you as a buyer by ascertaining your position to buy they will need some key information and any professional agent wouldnrsquot normally put an offer over if they havenrsquot got all the information up front (as it wouldnrsquot be classed as an offer that has been qualified) They are likely to ask you for

1) Confirmation of your funding ability proof of deposit or cash funds (ie bank statement) amp proof of mortgage (ie a mortgage promise document or decision in principal from the lender) If you are getting your mortgage via a broker they may ask for the brokers name and phone number to verify mortgage-ability

2) Confirmation of the chain (if you are dependent on the sale of your own property) They will take your estate agents name and phone number from you and call them to get chain details to confirm if the chain is complete and proceeding

3) Proof of identity Under Money Laundering regulations they will want to see 2 forms of identity for each person purchasing the property ie one showing photo such as drivers licence or passport and second showing address like a recent (within last 3 months) utility bill or bank statement

4) Your solicitors details Not always necessary at offer stage but may be asked of you You can give the information if you have already chosen which solicitor will be acting on your behalf with regards to the purchase

Q The estate agent Irsquom dealing with says I have to use their recommended solicitormortgage advisor is this true or can I get my own A This is not true unless you have signed up to it as part of a package when instructing the agent to market your property (you should have had this explained to you before you signed to anything) You are fully within your rights to choose whichever solicitor or mortgage broker you wish to act on your behalf and agents are not allowed to force you to use their third party services ndash despite how some might cleverly try to word things Q I have been advised to see an independent mortgage broker but heard they charge an up front fee for giving advice Do they all charge up front to give advice A No not all independent financial advisors charge up front fees for giving you mortgage advice They are paid by the mortgage lenders if you proceed with a mortgage It sometimes pays to ask if they charge an up front fee before booking an appointment amp it pays to shop around Q Do I have to have a survey done on the property I am buying A If you are getting a mortgage the mortgage lender will insist on a mortgage valuation being carried out (which is not the same as an independent or more in-depth surveys) If you are a cash buyer no one can insist you have a survey the choice is yours Anyone official should be telling you yes that it is advisable to get a survey done on the property you are buying to arm yourself with information regarding the condition of the property that the estate agent or solicitor cannot give you Most surveyors offer 3 levels of survey depending on how in-depth you wish for them to be on the surveyproperty Q My solicitorsurveyor has recommended I obtain confirmation regarding the condition of the central heating amp electrics at the property Irsquom buying and that they are working Who is responsible for this Does this suggest there is a problem A If you want to satisfy yourself about the condition of fixturesfittings etc at a property it is advisable to get this checked for yourself They seller is under no obligation to get the boiler serviced if it hasnrsquot been done or have the electrics tested (other than providing any legally required documentation if works have been carried out) If it is a point of concern for you then it is up to you to get this checked yourself by an appropriate contractor Some sellers canwill negotiate regarding commissioning tests or servicing others wonrsquot It isnrsquot necessarily right to expect the seller to pay for reports that you require and are being done for your benefit Just because a surveyorsolicitor recommends you test these things out doesnrsquot necessarily suggest they think there is a problemissue with them Quite often they are following standard advisory protocols

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












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Viewing essential

HARRYS WAY WISBECH





Viewing advised

WEST PARADE WISBECH




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SOLUTION







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On 15














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Viewing essential

HARRYS WAY WISBECH





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WEST PARADE WISBECH




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garden View now






























SOLUTION







pound126000



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off road parking























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BACK ROAD MURROW









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Viewing essential

HARRYS WAY WISBECH





Viewing advised

WEST PARADE WISBECH




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Upward Chain








































essential










garden View now






























SOLUTION







pound126000



garages View Now


































size rear garden
















View now











viewing essential




























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off road parking























nd bedroom with en-



BACK ROAD MURROW









HUNGATE ROAD EMNETH










On 15























Viewing essential

HARRYS WAY WISBECH





Viewing advised

WEST PARADE WISBECH




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Upward Chain








































essential










garden View now






























SOLUTION







pound126000



garages View Now


































size rear garden
















View now











viewing essential




























+



































































































off road parking























nd bedroom with en-



BACK ROAD MURROW









HUNGATE ROAD EMNETH










On 15































essential










garden View now






























SOLUTION







pound126000



garages View Now


































size rear garden
















View now











viewing essential




























+



































































































off road parking























nd bedroom with en-



BACK ROAD MURROW









HUNGATE ROAD EMNETH










On 15












essential










garden View now






























SOLUTION







pound126000



garages View Now


































size rear garden
















View now











viewing essential




























+



































































































off road parking























nd bedroom with en-



BACK ROAD MURROW









HUNGATE ROAD EMNETH










On 15






SOLUTION







pound126000



garages View Now


































size rear garden
















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viewing essential




























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off road parking























nd bedroom with en-



BACK ROAD MURROW









HUNGATE ROAD EMNETH










On 15









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garages View Now


































size rear garden
















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viewing essential




























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off road parking























nd bedroom with en-



BACK ROAD MURROW









HUNGATE ROAD EMNETH










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viewing essential




























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off road parking























nd bedroom with en-



BACK ROAD MURROW









HUNGATE ROAD EMNETH










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off road parking























nd bedroom with en-



BACK ROAD MURROW









HUNGATE ROAD EMNETH










On 15



















































































off road parking























nd bedroom with en-



BACK ROAD MURROW









HUNGATE ROAD EMNETH










On 15




































off road parking























nd bedroom with en-



BACK ROAD MURROW









HUNGATE ROAD EMNETH










On 15













off road parking























nd bedroom with en-



BACK ROAD MURROW









HUNGATE ROAD EMNETH










On 15



HUNGATE ROAD EMNETH










On 15



Documents

Phoenix property magazine november 2013