Sawyers Estate Agents

3 Bedroom Detached, Stonehouse £499,950.00

Mon, 28 Sep 2020 03:24:32 GMT

An impressive 1930`s three bedroom detached residence set within its own generous landscaped grounds. Having been improved and extended this much loved home offers well proportioned light and airy accommodation. A gated drive provides ample parking and access to the carport and garaging. No Chain.

1 Bedroom Apartment, Wallbridge £139,950.00

Fri, 26 Mar 2021 01:08:22 GMT

A well-presented one double bedroom ground-floor apartment within this charming Grade II listed converted Manor House set on the edge of the town centre. High ceilings and character features add to the charm of this apartment. Outside will be found the communal off road parking and gardens. No Chain

1 Bedroom Apartment, Wallbridge £145,000.00

Fri, 30 Apr 2021 09:02:31 GMT

3 Bedroom Detached, Brimscombe £495,000.00

Thu, 27 May 2021 07:08:17 GMT

A charming two/three bedroom detached home set in a beautiful, elevated position overlooking the Hyde valley. The well-tended gardens which are approaching one third of an acre are of particular note with its southerly aspect. Modern additions complement the character features throughout.

3 Bedroom Detached Bungalow, Brimscombe £450,000.00

Mon, 21 Jun 2021 01:55:57 GMT

A well presented, light and airy detached bungalow with three double bedrooms located in this most enviable elevated position with views across the Brimscombe valley and beyond. Two separate reception rooms and two ensuites. Mature landscaped gardens, detached garage and ample parking.

3 Bedroom Terrace, Painswick £275,000.00

Tue, 04 Jan 2022 12:17:33 GMT

An extended three/four bedroom terraced home located within walking distance of the centre of Painswick. Two separate receptions, kitchen/breakfast room, downstairs shower room and stylish bathroom. Outside you will find the pleasant enclosed rear courtyard style garden with lawn to front. No Chain.

5 Bedroom Detached, Edge £795,000.00

Thu, 15 Sep 2022 12:51:55 GMT

A generous five bedroom detached residence set within its own mature grounds. Two separate reception rooms, kitchen/breakfast room, utility, and cloakroom and two bathrooms. The property is approached via a gated driveway which in turn provides ample off-road parking and access to the double garage.

0 Bedroom Land Residential, Eastcombe £20,000.00

Mon, 06 Mar 2023 07:26:55 GMT

Parcel of undeveloped wooded Freehold land with direct access onto Wells Road in Eastcombe. The sloping parcel of land contains a mix of mature shrubs and tree`s and an attractive stream. The land could hold possibilities for numerous amenity uses, subject to the usual permissions being granted.

2 Bedroom Apartment, London Road £179,000.00

Fri, 17 Mar 2023 05:40:50 GMT

A two bedroom first floor apartment with its own front door and superb views from the rear that can be enjoyed from the Juliet Balcony. Located just a few hundred yards from the town centre, the apartment offer modern open plan living with a stylish kitchen. Parking & bike store. No Chain.

3 Bedroom Semi-Detached, Cashes Green £399,950.00

Wed, 19 Jul 2023 02:46:12 GMT

A beautifully presented and tastefully extended three bedroom 1930`s semi-detached house. Located in a very popular suburb of Stroud. Luxuriously appointed bathroom, stunning kitchen/dining/family room, gardens and off road parking to the rear.

0 Bedroom Commercial Property, Stroud £250,000.00

Sat, 26 Aug 2023 01:25:23 GMT

A rare opportunity to acquire a commercial building and adjacent building plot with planning permission for a three bedroom detached dwelling within the popular Dudbridge Hill area of Stroud.
No Chain. EPC: C (74)

4 Bedroom Detached, Pitchcombe £650,000.00

Tue, 07 Nov 2023 04:01:05 GMT

A generous four bedroom detached 1930`s home set within roughly half an acre of established grounds with south facing, picturesque countryside views. Detached Home Office/Gym/Sauna. The driveway provides ample off road parking and access to the double garage. No Chain.

2 Bedroom Semi-Detached, Uplands £250,000.00

Thu, 18 Jan 2024 03:31:03 GMT

A modern two double bedroom semi-detached home located in the popular Peghouse Close Cul-de-sac in Uplands. Benefits include double glazing and gas central heating. Enclosed generous garden laid to lawn and seating area with off road parking to the front. No Chain

2 Bedroom End Terrace, Stroud £295,000.00

Tue, 23 Apr 2024 04:16:24 GMT

A fabulous, elevated position, commanding far reaching countryside views, for this tastefully presented two bedroom end of terrace house. The accommodation is very tastefully presented to include a wood burning stove in the sitting room. Externally, there are large gardens and a cabin/studio.

3 Bedroom Semi-Detached, Cashes Green £310,000.00

Fri, 24 May 2024 09:56:49 GMT

A well presented and tastefully extended three bedroom semi-detached home being located in a very popular suburb of Stroud. Externally, there are well stocked and mature landscaped front and rear gardens with gated side access. The driveway provides off road parking and access to the single garage.

3 Bedroom Detached, Stonehouse £475,000.00

Thu, 08 Aug 2024 03:12:59 GMT

A traditional, double fronted red brick country house, set in generous and established grounds, located towards the end of a country lane in the hamlet of Westend. Three bedrooms, three separate reception rooms, detached garage and gated driveway. No Chain

2 Bedroom Apartment, Cheapside £219,950.00

Tue, 08 Oct 2024 03:02:16 GMT

A well presented, light and airy two double bedroom apartment located on the second floor within this much sought after conversion of the historic Hill Paul building. Southerly facing aspect. Character features with modern additions. Panoramic views. Walking distance of the town centre. No Chain.

3 Bedroom Detached, Nailsworth £385,000.00

Tue, 15 Oct 2024 03:14:54 GMT

An extended detached Cotswold stone character cottage nestling in an elevated valley location, enjoying woodland views. Three bedrooms, two reception area`s, kitchen/dining room with impressive `Inglenook fireplace`. Modern additions complement the character features. Terraced gardens and woodland.

2 Bedroom Cottage, Windmill Road, Minchinhampton £375,000.00

Fri, 22 Nov 2024 06:02:08 GMT

A neatly presented Grade II Listed two double bedroom Cotswold stone cottage, located in the highly desirable market town of Minchinhampton enjoying a south facing aspect. The character accommodation is arranged over three floors, complemented by generous gardens and out buildings. No Chain.

2 Bedroom Semi-Detached, Lower Spillmans, Rodborough £355,000.00

Thu, 05 Dec 2024 06:25:29 GMT

A charming and extended two double bedroom home with useful attic room set in an elevated position within Rodborough. The well tended garden is of particular note with its well stocked mature shrub borders and pleasant seating area. Modern additions complement the character features.

3 Bedroom Detached, Whiteshill £425,000.00

Fri, 28 Feb 2025 08:02:29 GMT

A well presented three bedroom chalet bungalow positioned in a beautiful elevated location enjoying breathtaking views across the Stroud valleys and towards the Severn. Pleasant garden room, downstairs bathroom with shower and en-suite cloakroom. Generous well stocked garden, parking and carport.

3 Bedroom Detached Bungalow, Uplands £385,000.00

Thu, 17 Apr 2025 08:06:34 GMT

A neatly presented and tastefully extended three bedroom detached bungalow set within this choice position in Uplands affording views of the surrounding valley. Stylish modern kitchen, two reception rooms, study, en-suite shower room, landscaped gardens, ample off road parking and garage. No Chain.

1 Bedroom Apartment, Castle Street £125,000.00

Wed, 23 Apr 2025 05:43:19 GMT

A well presented, light & airy double bedroom lower ground floor apartment situated within this handsome Grade II Listed converted Chapel in `Old Stroud`. Character features include attractive sash windows. Private garden. Parking.

3 Bedroom Semi-Detached, Brimscombe £345,000.00

Mon, 19 May 2025 04:23:12 GMT

A well-presented, light, and airy, three bedroom 1930`s style home positioned in this beautiful, elevated location enjoying views of the golden valley. Generous and well stocked gardens, parking, and detached garage. Timber Cabin/Home Office providing a useful and versatile space. No Chain.

2 Bedroom Semi-Detached Bungalow, Stroud £249,950.00

Wed, 11 Jun 2025 12:02:24 GMT

A neatly presented, light and airy two double bedroom semi-detached bungalow set within this choice corner plot position. Located within walking distance of the town. Double glazing (where specified) and Electric heating. Gardens and off road parking. Requires a degree of updating. No Chain.

5 Bedroom Detached, Eastington £850,000.00

Sat, 14 Jun 2025 12:48:18 GMT

An impressive and stylishly presented four/five bedroom detached residence, set in an idyllic setting. The generous and established landscaped gardens are of particular note with well stocked flower borders and interspersed by trees and shrubs. Gated driveway, double garage and ample parking.

4 Bedroom Detached, Chalford £550,000.00

Mon, 21 Jul 2025 07:13:49 GMT

A beautifully restored 17th-century Cotswold stone cottage in the heart of Chalford, offering elegant interiors, landscaped gardens, a studio, and off-street parking, all set within a vibrant village community and surrounded by breathtaking countryside. EPC: D. No Chain.

3 Bedroom Semi-Detached, Westrip £285,000.00

Wed, 30 Jul 2025 06:41:09 GMT

A generous three bedroom semi detached home in a sought after area, offering light filled interiors, conservatory, low maintenance garden, garage, and off street parking. Ideal for personalisation, with modern features and excellent transport links. No Chain.

2 Bedroom Coach House, Eastcombe £275,000.00

Tue, 05 Aug 2025 06:00:12 GMT

A neatly presented two bedroom coach house in Eastcombe village, offering bright modern living, en suite, carport, and access to local amenities, schools, and countryside.

An ideal opportunity for discerning first time buyers, downsizers, or investors seeking an effortlessly stylish home

3 Bedroom Detached Bungalow, Chalford Hill £387,500.00

Wed, 10 Sep 2025 09:33:59 GMT

A beautifully presented and tastefully extended two/three bedroom detached bungalow set within this choice corner plot position in Chalford. Stylish kitchen/dining area opening to the sitting room, generous landscaped gardens and ample off road parking. Internal viewing highly recommended.

1 Bedroom Flat, Thrupp £144,500.00

Wed, 10 Sep 2025 01:07:50 GMT

A well presented ground floor apartment with a bright, spacious layout and southerly aspect. Enjoying valley views and a private entrance. A stylish home perfect for modern living. Double glazing & Gas central heating. No Chain.

5 Bedroom Detached, Thrupp £350,000.00

Thu, 11 Sep 2025 12:18:28 GMT

Detached south facing former public house which is now a residential property requiring full renovation. Offering four/five bedrooms, 3377 sq ft of versatile accommodation, generous plot with parking for up to 10 vehicles and valley views. Significant potential for a range of uses (STPP). No Chain

1 Bedroom Terrace, Stroud £189,500.00

Fri, 12 Sep 2025 04:37:59 GMT

Modern `cottage` style home overlooking a stream and mature trees. Features a sitting room, stylish kitchen with French doors to an enclosed rear garden, double bedroom, and contemporary bathroom. Recently redecorated with new flooring. Double glazing, gas heating, and off road parking. No Chain.

2 Bedroom Apartment, Cheapside £219,950.00

Wed, 08 Oct 2025 11:31:39 GMT

Light filled first floor apartment with two double bedrooms, including en-suite, and built in wardrobes. Southerly facing with panoramic valley views, modern kitchen, sitting/dining space, double glazing and electric heating. No Chain. Central Stroud location close to both rail and town amenities.

2 Bedroom Flat, London Road, Thrupp £165,000.00

Thu, 27 Nov 2025 06:10:52 GMT

Generous and well presented two bedroom first floor apartment in Thrupp. Bright sitting/dining room, kitchen and shower room. Double glazing, gas heating, off road parking. The seller has secured a chain free onward property, helping to ensure a smooth sale. Close to Stroud, schools, and transport.

0 Bedroom Terrace, Stroud £1,600.00

Tue, 09 Dec 2025 05:26:39 GMT

Ground floor to include a substantial lower ground floor retail/restaurant space with Class E use (Commercial, Business and Service), situated in a prime central shopping location in the heart of the market town of Stroud.

0 Bedroom Commercial Property, Stroud £1,600.00

Tue, 09 Dec 2025 05:28:27 GMT

3 Bedroom Semi-Detached, Great Oldbury £349,500.00

Tue, 06 Jan 2026 12:02:21 GMT

Elegant three-bedroom semi-detached home set on a private road, inspired by Arts & Crafts design. Bright interiors with open-plan kitchen/dining, French doors to landscaped south-facing garden, garage, ample driveway parking and stylish modern finishes.

3 Bedroom Detached, Stroud £415,000.00

Wed, 07 Jan 2026 06:08:21 GMT

Elevated modern three bedroom detached home over looking fields. Sitting room, stylish kitchen and separate dining area opening to the conservatory, and wraparound gardens. Workshop/former garage, driveway parking, Southeast aspect rear garden with patio, mature borders, and gated side access.

2 Bedroom Terrace, Gloucester Road £205,000.00

Thu, 22 Jan 2026 01:06:25 GMT

A charming three storey, two bedroom Victorian home tucked away from passing traffic, featuring character fireplaces, a kitchen/breakfast room, modern bathroom, dormer main bedroom, enclosed landscaped garden, off road parking and excellent access to shops, schools and transport. No Chain.

0 Bedroom Studio, Cheapside £109,500.00

Tue, 27 Jan 2026 03:38:23 GMT

A well presented west facing studio apartment located on the second floor within this much sought after conversion of the historic Hill Paul building. Modern open plan living area with separate kitchen and shower room. Walking distance of the town centre. No Chain. Ideal FTB or investment.

4 Bedroom Commercial Mixed Use, Stroud £340,000.00

Fri, 30 Jan 2026 12:39:34 GMT

Prominent three storey period building on the High Street. Ground floor commercial unit let at £22,000 pa on a 5 year lease from Dec 2023. Two vacant two bedroom apartments above require refurbishment and could achieve approximately £700 pcm each. Off road parking.

4 Bedroom Terrace, Stroud £340,000.00

Fri, 30 Jan 2026 12:41:18 GMT

2 Bedroom Terrace, Chalford £199,950.00

Fri, 20 Feb 2026 12:18:42 GMT

Charming Robert Hitchins built Cottage Style` terraced home in Freame Close, Chalford. Offering two double bedrooms, exposed beams and brickwork, enclosed low maintenance garden, car port and parking. Double glazing & GCH. Requiring full modernisation and offered with no onward chain.

0 Bedroom Studio, Cheapside £105,000.00

Wed, 04 Mar 2026 01:12:30 GMT

A well presented west facing studio apartment located on the third floor within this much sought after conversion of the historic Hill Paul building. Modern open plan living area with separate kitchen and shower room. Walking distance of the town centre. No Chain. Ideal FTB or investment.

1 Bedroom Apartment, Nailsworth £925.00

Fri, 06 Mar 2026 09:55:27 GMT

A well presented first floor fully furnished apartment set within the town centre. Refurbished in 2024 to a high standard with open plan kitchen / lounge with Juliet balcony, bedroom and shower room. Benefits include gas central heating, double glazing and allocated parking space. EPC: C (80).

3 Bedroom Semi-Detached, Brimscombe £349,950.00

Thu, 12 Mar 2026 02:24:57 GMT

A chain free 1930s style semi-detached home with three bedrooms, bright versatile living spaces, and sunroom. Set in an elevated position, it offers pleasant Golden Valley views and period features, with scope for modernisation. Detached garage and useful storage. Generous gardens and ample parking.

0 Bedroom Garage, Stroud £100.00

Thu, 12 Mar 2026 06:14:46 GMT

Lock-up garage with parking in front to rent located on Bunting Hill, Forest Green, Nailsworth - The unit is ideal for storing household items or parking a vehicle. Suitable for both medium and long-term rental. Minimum Term - 3 Months

4 Bedroom Detached, Chalford £550,000.00

Mon, 23 Mar 2026 11:47:19 GMT

2 Bedroom Apartment, Stroud £180,000.00

Mon, 23 Mar 2026 12:34:23 GMT

A well presented, spacious, first floor apartment. This apartment offers far reaching views, two double bedrooms, bathroom with shower over, open plan sitting/dining room, kitchen off with built in appliances. Communal gardens and allocated parking. EPC: D. No Chain

3 Bedroom Terrace, Brockworth £1,350.00

Sat, 04 Apr 2026 10:23:10 GMT

Modern three/four bedroom David Wilson townhouse in Coopers Edge with garage & parking. Features open-plan kitchen/diner with French doors to garden, flexible study/fourth bedroom, bright living room, en-suite main bedroom, two doubles & family bathroom. Great access to M5 and local amenities.

2 Bedroom Semi-Detached, Bisley £350,000.00

Sat, 04 Apr 2026 11:28:45 GMT

Charming semi-detached Cotswold stone barn conversion near Bisley village centre, offering relaxed countryside living with pubs, walks and a strong community. Two double bedrooms, generous living with garden access, mature private garden, garage and parking. Requires some updating. No Chain

3 Bedroom Semi-Detached, Cashes Green £282,500.00

Wed, 08 Apr 2026 11:36:53 GMT

A charming three-bedroom Victorian semi-detached home in Cashes Green, arranged over three floors with a bright sitting/dining room, modern kitchen, and enclosed rear garden. Features include off-road parking, double glazing, and gas central heating.

1 Bedroom Maisonette, Nailsworth £700.00

Sat, 11 Apr 2026 06:03:45 GMT

One bedroom top floor Maisonette located on the edge of Nailsworth. The accommodation briefly consists: one double bedroom, lounge/diner and bathroom, and benefits from gas central heating, double glazing, garage, parking and use of communal garden. Viewings 20 April 2026, 5pm to 6.30pm. Please book

2 Bedroom Detached Bungalow, Stonehouse £270,000.00

Tue, 14 Apr 2026 06:13:19 GMT

A charming two-bedroom detached bungalow in a popular Stonehouse no-through road, close to amenities. Featuring a living room overlooking the garden, modern kitchen, utility area, and character fireplaces. Generous southerly facing garden. In need of some updating, offering great potential.

1 Bedroom End Terrace, Chalford £875.00

Mon, 20 Apr 2026 01:08:59 GMT

Charming modern end terraced one/two bedroom house within award winning canal side development. Kitchen/diner, bathroom with shower over bath, lounge to first floor with bedroom off, mezzanine floor providing second bedroom option. Garden & Parking. . EPC: D (62)

4 Bedroom Cottage, Bisley £545,000.00

Tue, 21 Apr 2026 05:43:54 GMT

Grade II listed former restaurant in Bisley, now a characterful home with exposed beams and stone fireplace. Three double bedrooms and a stunning top-floor principal bedroom suite, courtyard garden, and parking for up to six cars. No onward chain. Blending historic charm with practical living.

3 Bedroom Semi-Detached, Stroud £345,000.00

Fri, 24 Apr 2026 12:12:12 GMT

Well-presented semi-detached home in an elevated no-through road with far-reaching valley views. Offers bright, versatile living space, modern kitchen, two separate receptions, three bedrooms, and generous terraced garden. Includes a detached garage and scope to personalise. No Chain.

3 Bedroom Semi-Detached, Cashes Green £315,000.00

Fri, 24 Apr 2026 01:52:41 GMT

An extended three-bedroom end-terraced home in a quiet no-through road. Set away from passing traffic. Features a sitting room with log burner, dining room, sun room, and modern kitchen. Benefits from gardens, garage, and parking. Requires some updating, offering great potential to personalise.

3 Bedroom Semi-Detached, Whiteshill £1,250.00

Tue, 28 Apr 2026 05:22:56 GMT

Newly built 2009 semi detached house that consists 3 bedrooms, lounge / diner, kitchen with some built-in appliances, cloakroom, bathroom with shower over bath, gas central heating, double glazed, parking & gardens. Pets considered. EPC C

2 Bedroom Terrace, Brimscombe £285,000.00

Wed, 29 Apr 2026 06:12:37 GMT

A generous, light and airy two bedroom period property located within this lovely elevated position enjoying views across the Golden Valley. Two separate receptions, character features and gas central heating. The property enjoys a generous and well stocked mature garden. On road parking. No Chain.

2 Bedroom Semi-Detached Bungalow, Stonehouse £265,000.00

Wed, 06 May 2026 07:06:31 GMT

A two double bedroom semi-detached bungalow in a quiet no through road near Stonehouse town centre. Features a sitting room with storage, kitchen, sun room with garden access, and enclosed rear garden. Includes driveway parking, detached garage, and scope for updating. No Chain

2 Bedroom Detached, Painswick £455,000.00

Mon, 11 May 2026 05:26:14 GMT

A charming, detached cottage, set in a lovely tucked away position, within the centre of Painswick and all its amenities. Character features throughout. Impressive conservatory and stylish Farmhouse style kitchen. Enclosed and established landscaped garden. No Chain

1 Bedroom Apartment, Swan Lane £99,950.00

Fri, 15 May 2026 06:03:02 GMT

Well presented one bedroom duplex apartment located in the town centre, tucked away from passing traffic and benefiting from its own private entrance. Offering a bright sitting room, modern kitchen, mezzanine bedroom with en-suite, and electric heating. No onward chain.

1 Bedroom Terrace, Whitminster £800.00

Mon, 18 May 2026 01:20:47 GMT

A well presented, light and airy property located towards the end of this pleasant cul-de-sac. Modern kitchen opening out to the living room, one mezzanine style bedroom and modern shower room. Enclosed rear garden with shed. Double glazing & gas central heating. EPC: D (59). Council tax: A

International Properties Now Available

Tue, 08 Jul 2008 12:00:00 GMT

Sawyers are now able to offer a vast range of international properties. These are all found on our web site under `Overseas Properties`

Familiar Face Joins Experienced Team! Clive Brown - Property Consultant

Wed, 16 Jul 2008 12:00:00 GMT

As office staffing levels expand in response to to ever building business enquiries, we are delighted to announce the addition of Clive Brown MNAEA MARLA to the current team based in Stroud. (Feb 2008) Clive, who has always lived locally, is an active member of the National Association of Estate Agents. He has already held managerial positions in the industry for some 10 years and has built up an extensive Estate Agency knowledge of the five valleys. Clive`s valuing experience is amongst the best available in the area having experienced a complete range of market conditions and is able to offer professional, effective advice during a `tougher` market. Many have stated that its a pleasure to do business with a person that is easy to deal with and yet remains driven to ensure his clients successfully sell or let their home.

Sawyers Celebrate 18 Years Of Success!

Wed, 16 Jul 2008 12:00:00 GMT

Director - Judy Sawyer is overjoyed to celebrate 18 years of trading. To celebrate we have invested in a updated re-brand changing our image to a more modern high impact brand. `We are best placed to offer you strong proacxtive marketing during this tougher market`, says Judy. `We work exactly to suite your requirements, we not only advertise in publications across Stroud and Gloucestershire, but also as far as London via our associated office in Park Lane, London. You are able to access all of our properties via 7 well known property portals, including Rightmove and Primelocation. `Our proposition is simple, to give honest, down to earth advice, this ensures we are successful in achieving the very best for both our vendors and purchasers and of course our rental landlords and tenants. Phone us to find out what maks us different!` Ou

Sawyers Launch Their `New Look`

Wed, 16 Jul 2008 12:00:00 GMT

18 Years of trading celebrated by `NEW UPDATED IMAGE` We are delighted to launch our `NEW LOOK`. Not only do we have new high impact `For Sale` boards, but we also have had our office displays replaced. Many have commented that the new image looks more clean and modern, we are delighted with the results. To include your property within our eye catching window displays and website, please call for a free marketing appraisal.

Sawyers Survival Kit Contents.

Thu, 11 Feb 2010 12:00:00 GMT

SAWYERS ESTATE AGENTS INTRODUCES NEW `SURVIVAL KIT` FOR HOMEMOVERS. `From today, clients who buy or rent through us can receive a special welcome box containing a selection of particularly useful items such as tea, coffee, sugar, snacks cleaning products, loo rolls, and bin bags Best of all, the welcome box is absolutely free – a gesture of thanks and goodwill from Sawyers. Sawyers are one of the first to offer this service and expect it to be a big success with home movers in Stroud and the surrounding villages. So if you're looking to move home any time soon , it makes sense to choose the agent that continually sets new standards in customer care – Sawyers Sales & Letting 01453 751647!

Sawyers Win The Stroud Life Customer Service Award 2010

Sat, 03 Jul 2010 12:00:00 GMT

Watch this space for further details.

Do You Own A Parking Space In Stroud You Are Thinking Of Selling?

Sat, 22 Oct 2011 12:00:00 GMT

We currently have an applicant who is seeking to purchase a freehold parking space within the Stroud area. Please call 01453 751647 and ask for Clive Brown for more information.

We Are A Safe Agent.

Mon, 24 Oct 2011 12:00:00 GMT

Sawyers Estate Agents Plays ‘Safe' Tenants in the Stroud District can rest easy knowing their money is ‘SAFE' and sound, as Sawyers Estate Agents, Stroud based sales and letting agent Sawyers Estate Agents becomes the latest firm to join the SAFE agent campaign, aimed at raising awareness of the logo to look for to denote where tenants and landlords money is protected by a Client Money Protection Scheme. With over 1,200 lettings and managements agents now registered to use the logo, consumers should always look for the easily identifiable mark. The launch of SAFEW agent follows a number of high profile media cases where unscrupulous lettings agents have absconded with tenant and landlord funds. The logo has been launched for lettings agents by letting agents with the aim of identifying agents in Client Money Protection Schemes and highlighting the risks of using ‘uninsured' agents. Clive Brown, Marketing Manager at Sawyers says: ‘We want every tenant and landlord that we welcome through our doors to have peace of mind when it comes to client money protection. And, this is exactly what we can reinforce now that we bear the SAFE agent logo. The message to the consumer is simple – everyone looking to rent or let should ensure that they use a firm which is part of a client money protection insurance scheme – look for the SAFE agent logo'. ‘Landlords and tenants often make decisions based on cost but it is important to ensure you ask your agent for details of the organisation they are regulated by and which client money protection scheme they are covered by. All agents regulated by NALS, the Law Society, ARLA/ NAEA, and RICS maintain and operate designated client accounts where clients money is held completely separate from the operating funds of the firm. If the agent you are using cannot provide you with the assurance of knowing they are covered by a client money protection scheme the question you need to ask is why not?' SAFE agent is also backed by industry and consumer organizations such as Shelter, CAB, NUS, the British Property Federation, the Trading Standards Institute, the Council of Mortgage Lenders and The Property Ombudsman. For more information on the SAFEagent campaign, please visit www.safeagents.co.uk

Sawyers Estate Agents Were The Estate Agents With The Highest Proportion Of Sold Boards, Expressed As A Percentage, Of Their Total For Sale Signs Based On A Recent Survey

Mon, 03 Feb 2014 12:00:00 GMT

Sawyers Estate Agents were the estate agents with the highest proportion of sold boards, expressed as a percentage, of their total for sale signs based on a recent survey. Sales Manager, Clive Brown, said `The results of this recent survey are an indication that sensible pricing, a strengthening market, extensive marketing and advertising together with hard work from our dedicated sales team have collectively helped to achieve such a fantastic conversion of properties for sale to sold. Our double fronted office in the heart of Stroud along with our popular website is a great showroom for all our properties and attracts a huge number of buyers looking to move within the area`. Director, Judy Sawyer thanks local home movers for their choice of agent and commitment to Sawyers and assisting in these recent results. She said ‘Having now sold the majority of our properties, we just need more to sell!` Now approaching its 26th year, Sawyers Estate Agents continues to achieve exceptional results within Stroud and the surrounding villages. Sawyers Estate Agents can be contacted on 01453 751647 or visit their website: www.sawyersestateagents.co.uk

National Campaign Calls For Landlords And Tenants In Stroud To Be Safe

Tue, 29 Apr 2014 12:00:00 GMT

Landlords and tenants in Stroud are being reminded of the importance of choosing letting agents who subscribe to Client Money Protection (CMP) schemes. Now in its third year SAFEagent Awareness Week will take place from May 12 – 18 and will be supported by a raft of regional and national initiatives to drive awareness of the importance of choosing a letting agent that offers financial protection. All letting agents in Stroud that are signed up to the SAFEagent campaign, display easily identifiable logos at their premises. If a letting agent subscribes to a CMP scheme this means that if it closes or an agent misappropriates client funds, landlords` and tenants` monies will be safeguarded. Sawyers Estate Agents is just one of the letting agents in Stroud signed up to the SAFEagent campaign, Clive Brown of Sawyers Estate Agents said: `We`re proud to be part of the SAFEagent campaign and protection of our clients` money is paramount. `There are still far too many stories in the media about rogue letting agents therefore campaigns such as SAFEagent Awareness Week is really important to highlight how landlords and tenants can protect their money.` John Midgley, chair of the SAFEagent steering group, said: `SAFEagent Awareness Week is the ideal opportunity to remind landlords and tenants of the importance of identifying agents who offer financial protection and the campaign has made giant strides in doing so since its launch in 2011. `There are still far too many letting agents who do not belong to a recognised body or scheme and it`s important to remind people to do everything they can to ensure their money is sufficiently protected. `Letting agents who sign up to become a SAFEagent are also reassuring consumers that they subscribe to a defined code of practice and are members of recognised professional bodies or accreditation schemes.` There are now around 3,000 SAFEagent offices nationwide, demonstrating their commitment to protecting landlords` and tenants` finances through CMP schemes. SAFEagents are easily recognisable through the SAFEagent logo and mark which is clearly displayed and marketed by those agents in the scheme. To find a SAFEagent in your area visit www.safeagents.co.uk

Coming Soon - Onthemarket.Com

Mon, 05 Jan 2015 12:00:00 GMT

Something new and exciting is coming very soon……. When your home is on the market – whether to sell or let – you want to get achieve the very best price you can, as quickly and efficiently as you can and so does your agent! That`s why, come the 26th January 2015, thousands of the UK`s leading estate and letting agents are moving all their properties from other websites to OnTheMarket.com – a new property portal dedicated to presenting properties in the best possible light with nothing to distract or detract from their strengths. Local, full-service, expert agents will only be allowed to list properties – At OnTheMarket.com, your property will not be mixed in with those advertised by remotely located, part-serviced ‘internet - only` operators or directly by private sellers or landlords. Potential buyers or tenants will always know that when they express interest in your property, it will be via an agent who can answer all their questions, who they can speak to or meet locally and who can help them to view your property. Your property is not a commodity and the personal touch counts. OnTheMarket.com is the most eagerly-awaited launch of its type in many years and already has the whole property industry talking. Many thousands of agents are already promoting the new portal. A multi-million pound national advertising campaign, including national TV, press and digital advertising will attract millions more prospective buyers to OnTheMarket.com and your property! So, with so many agents making the switch, OnTheMarket.com is set to become the favourite place for house hunters to visit to find their new home. So if you`re selling or letting your property or considering it in the near future we make sure your property will be on - OnTheMarket.com

Market comment - Referendum and the consequencies

Tue, 28 Jun 2016 12:00:00 GMT

Regular readers of my market comment articles may recall what I said on 1st June, only 4 weeks ago when I wrote about the referendum and opinions within the housing market depending on the outcome. I concluded that whatever the result, the country would still be heading for turbulent times. When David Cameron announced his promise of a referendum for the British people to decide our destiny, I am sure that he had not envisaged the sheer mess that appears to have been the result as some cherish the ‘Brexit` decision while others worry for our future. It is interesting to see that within Stroud 55% voted to remain with 45% voting to leave, with some analysts polls depicting the younger generations seeking to remain and the more mature seeking an exit, with academia also playing a part in people decision making process. Though, how does this all affect us and the people of Shroud you may ask and more importantly does this effect my decision process as to whether I buy / sell / rent or invest? We are currently in a level of uncertainty following the people`s decision to exit, albeit with a small majority. Uncertainty within the markets have already seen the dollar fall to a 30 year all time low – good for exports, though overall seen as bad for the economy as imports become more expensive and higher priced good leads to inflation, a key target indicator that the current Government have wanted to keep under control. Though, the melt down in the markets experienced in 2008 and 1992, is better protected today as a result of hearse Bank of England intervention to put measure in place making the liquidity of banks more secure and providing access to treasury funding that previously had not been available. So the argument that austerity measures are not required nor an emergency budget. Yet was this not what the chancellor was stating would happen should we vote to leave? Contradictions maybe or just good strategic policies to calm the markets? My prediction of ‘turbulent` times now sees a Conservator government in a leadership battle, to which Labour have also jumped on the band wagon. All this adds to our levels of uncertainty, the very things that markets do not wish to see. This instability has already led to the down grading of our triple A credit rating and holistically putting this all within our Pandora box it does not look good. However, to conclude, I feel that we need to go with our own gut feeling and not necessarily be over concerned with worrying about the consequences. After all everybody`s gain is somebody else`s loss. As the Government declared in 1939 with their motivational poster ‘Keep Calm and Carry on` in preparation for war. Whilst, not so dramatic in reasoning, the message perhaps applies again today…..

Market Comment

Mon, 25 Jul 2016 12:00:00 GMT

It is now just over a month since the Brexit vote and we have seen some enormous changes which even script writers would not have forecasted. We all commended Leicester City on their triumphant achievements and the book keepers lost enormous sums as odds of 5000/1 were offered at the start of the season. Likewise, I wonder what the odds would have been a while back that David Cameron would have resigned, we would be out of Europe and as maybe the case Jeremy Corbyn wins the labour nomination for a 2nd time despite fierce opposition. What this all illustrates well is that we often go through life knowing our direction, wishes and goals, yet all too often things are completely outside our control. Others influence us and we need to adapt to ever changing environments. At one end of the scale we do this all the time when we for example drive our cars, we concentrate on the roads and have to constantly make changes to our speed, breaking and obverse what`s around us to avoid accidents. We cannot easily plan in any great detail. At the other end of the scale, the same appears to be true with regard to recent developments. Things have changed very quickly, yet there does not appear clear plans to deal with factors should they perhaps not go in the direction we had initially planned, or perhaps we have thought ahead achieved our goal, but then thought what next? As I write this article, I am still wondering how this will end, what conclusions will be drawn and what relevance has all of this got to do with the housing market in rural Stroud. So what are the conclusions you may be thinking? Where we live, what we buy, what we rent is to some extent all one great big lottery. Whilst we may have a rough idea, the finer details all typically depends on the actions of others, others whom we have no control over. We can`t buy or rent a house if it is not available, so we make choices of the best alternatives at that point of time. These very alternatives that are changing every day as tenants give notice to vacate or maybe vendors decide to sell following a need to up-size/ down-size or relocate due to new job opportunities. Opportunities to grab whilst the iron is hot, some would say. Though, I have seen many a buyer / tenant disappointed that they have lost their desired property only to find that something better or more suitable is around the corner. With hindsight we get to see the bigger picture, we become content with our new surroundings and whilst not 100% in control we feel safer and secure that our life direction is perhaps somewhat clearer.

Market Comment HFCs and the Property Market - what do they have in common

Sun, 16 Oct 2016 12:00:00 GMT

I thought that I would put a little twist onto this month`s Market Comment by looking at what many consider a global catastrophe unless we as a planet do something about it and ask fast. Namely, the phasing out of hydrofluorocarbons (HFC`s) which are scientifically considered the course of global warming. The United Nations met last week in Rwanda where 150 countries reached agreement to cut back HFC`s use from 2019. Though as part of these negotiations a compromise was required to allow longer for developing nations, particularly India to reach the same target though not until 2032. These are the gases used in our fridges, air conditioning units and aerosol strays. Richer countries will start first. Originally under the Monreal Protocol HFC`s were brought in to replace chlorofluorocarbons (CFC`s) until scientists realised that HFCs prevent heat radiating of the earth contributing to global warming. Unlike CFCs which affected our ozone layer. Though what has all this got to do with the housing market one asks? We have a generation of young people who have no opportunity of ever getting onto the housing market and will be forced to rent for the whole of their lives, with nothing at the end to pass onto their children. There is a general sense of opinion that this is not good for the country`s future prosperity just as HFC`s are not good for the effects of global climate change. We have seen this where billions are spent when the weather takes havoc as parts of the country find themselves with homes they cannot sell due to repeated flooding as seen in York. Yet what can be done about what some consider are market forces? Applying the same to HFC`s what can be done to reduce / eliminate these? Namely, countries get together and the richer more developed take initiatives to come up with solutions. Albeit by some, not as quick as required, but at least it is a start. Some are of the opinion that the rich are getting richer and the poor are getting poorer, long term we are heading for doom and gloom, just as we would if nothing was done about HFCs. So perhaps now is the time for the more wealthy within our economy to look at ways of assisting those less fortunate in ways that improve the imbalance. How do we do this you may then ask? How can we help ‘Generation Rent?` Unfortunately, I have no quick fix solution, though by dialogue resolutions are made. Unless we start this dialogue now, we may find like HFCs untreated, the results are more catastrophic than we can ever image…

Alice (2016) film screening sponsored by Sawyers Estate Agents

Wed, 26 Oct 2016 12:00:00 GMT

A couple of years ago I came across a very talented Stroud film maker by the name Andrew Wasyliw. He wanting to make a film for charity and was seeking ideas / suggestions on means of achieving this. Well you will be pleased to hear that he has now produced and completed the film which is mainly shot around Stroud and which will be screened at 8pm on 31st October 2016, at 8pm at Stroud Valleys Art Space in John Street. Ticket proceeds are all going to CLIC, £3 in advance or £4 on the door Please see the link below for further details http://www.sva.org.uk/civicrm/event/info?reset=1&id=595 Sawyers Estate Agents have agreed to sponsor the event, in recognition of both a talented artist and a good worthy cause. Hope you can make it....

Concent for a pet

Sun, 06 Nov 2016 12:00:00 GMT

Q : My tenants has asked whether it would be possible for them to have a dog. I have a dog myself so know how adorable they can be and have no problem in saying yes, though am I perhaps jumping the gun? A : Many home owners today have a pet of one sort or another and as an owner occupier do not need to obtain consent, they can just go out and source their chosen pet to join their household. However, when it comes to tenants wanting a pet, things are very much different. Firstly, any tenant will be bound by the tenancy agreement which typically will restrict pets, unless written consent is obtained. However, consent can very much depend on the attitude of the Landlord. You mentioned that you already have a dog which may skew your opinions to agreeing to a dog, however, we need to ask some important questions beforehand. For example, is the property suitable for the pet in question? A lack of a garden may be fine for a cat, though less suitable for a dog that will have nowhere to run around. A cat may require a cat flap to get in and out and you do see at times these fitting into doors. Though, how repairable are they when the pet is no longer here. Removable panels in upvc doors or glass can be a suitable option. If the property is within a block of flats, the head lease may restrict pets, or restrict pets from using any communal parts. Fine if you`re on the ground floor with your own private entrance, though most are via communal parts. Are the tenants able to take responsibility and deal with issues that may arise, like disturbing the neighbours because the dog is barking and out of control, or being abandoned when the owners are at work? As the slogan says a pet is not just for Christmas! Assuming the request is suitable, then we have to ask the question about the formalities of granting consent. This should always be in writing clearly stating the terms of acceptance. Typically this would include the type and number of pet(s) permitted and that any damage caused by the pet(s) will need to be made good during and at the end of the tenancy. There will also be a need to have any carpets / flooring / curtains / soft furnishings professionally cleaned on vacation. This should include deodorising treatment especially for dogs and flee treatment for cats. There is also the need for the removal of all pet hairs. For a 2 bedroom house fully carpeting, this can run into several hundred pounds, so it is not necessarily a cheap option for tenants especially if they move around frequently. Other consideration is perhaps taking a higher deposit because of the pet. Cats especially can put scratches into woodwork, carpets and curtains causing some times many thousands of pounds of damage. Pets can attract other pets especially when on heat unless pre-treated, meaning that the tenant can sometimes have unwelcomed guests. Though, to reduce these risk, the tenant could take out some form of insurance for damage to Landlord`s fixtures and fittings causing by the pet(s). Taking this all into account, it can sometimes be a concern for Landlords and sometimes easier to politely decline. However, pets do give much love and enjoyment to their owners, so a balanced approach maybe wiser, as you may lose good tenants if their request is declined. However, Landlords must also be aware that they cannot reasonable restrict certain pets and this can include hamsters, guinee pigs and goldfish.

The American Dream

Mon, 14 Nov 2016 12:00:00 GMT

Thinking this evening what to write about this week, my wife had mentioned that I should write something about the American election of Donald Trump. Yet how does this effect the British Housing market one may ask? I have just watched tonight`s Panorama on Trumps New America and it got me thinking. After the aftermath of many weeks of abuse between the Republican and more tactile Democratic candidates, I suspect many may have jokingly thought that this can only have ever happened in the USA. How could we take this seriously? Surely given the rhetoric between those concerned, the sensible minded approach would have been to have put ones hands up, accepted this is not working for either party and start again with fresh candidates. Yet like Brexit, the people have had their say, and whilst the pundits have got it all wrong, at the end of the day the wishes of the people within a democratic civil society must be respected. If the unexpected can happen in the USA brought on by the erosion of jobs and a society blighted by real estate depression, could a similar thing happen here within the UK? America once had a dream, home ownership with secure jobs and a harmonious future. Yet the dream has soured, so much so that some would argue that the people have rebelled. Trump has promises to put the America back into America. Great if he is successful, yet are the goals achievable? Just over half the population, like Brexit are behind the decision, fine for those supporters, but I do wonder where you have such a tight margin that the opinions of the losing party are not necessarily going to accept the outcome. We have already seen this with protests in the US. Whilst Brexit does not appear to have had the immediate effect that many had predicted, one could argue that the effects will not come immediately, they come the closer you get to ‘D`day. Then once upon us if the outcome is not positive, you`re too far entrenched to turn back and you`re left to try to make the best out of an awkward situation. The 60`s generation appear to have benefited most out of the UK housing market, yet it is the kids of today that struggle to afford to buy and are being forced to rent. Today`s generation are encountering ever higher rents at the expense of their own personal disposable income and savings. The knock on effect is that irrational outcomes in the USA could be replicated in years to come within the UK as the working class masses rebel in their efforts to give the UK people a fairer society when it comes to home ownership.

Obstacles in communal corridors in flats

Sun, 04 Dec 2016 12:00:00 GMT

Q: There are bikes on the landing outside our front door, is there anything that I can do about this as I live in a block of flats. A: It is not uncommon to find items left / stored in communal parts within blocks of flats and it is important that steps are taken to prevent this from happening. Firstly, you need to establish who is responsible for dealing with the communal parts. This can either be the Freeholder (owner of the land on which the flats are located) or a Block Management Company (independent organisation instructed to deal with the day to day management of the block including at times collecting service charges or individual taking on the role of managing the block) or one of the Leaseholders (where flats are administered internally where the freehold is owned by the leaseholders). There is sometimes a notice within the communal parts with contact details stating which party is managing the block. This is the person whom you need to contact to report the obstructions. They should take action by removing the said items and informing the owners or attempting to identify the owners. Bicycles in corridors create healthy and safety issues as they block access in case of emergency. You should also find that if the items are owned by tenants then any well written tenancy agreement will also ban items being left within communal parts. I would also expect that the Head Lease (lease issued by the Freeholder to the Leaseholders) to draw reference to the need to keep communal parts clear. The block will be insured and the building insurance policy will also have a clause that states communal parts must be kept clear at all times. It is not uncommon to find people carrying bicycles through communal parts including lifts to gain access to a flat. One could not unreasonable restrict such action unless the size of the item was clearly impractical or damage was caused as a result. Though please be aware that the problem you have encountered does not just relate to bicycles. I have seen footwear, clothes, tools, children`s toys, broken white goods, old TV`s, furniture and even sofas which at times may appear abandoned, all left either intentionally or for convenience. These all create safety issues and action should be taken on the part of the management against the culprit. However, should you find that having reported the incident your concerns fall on death ears, you are also able to report the problem to the Environmental Department of the Local Authority who will take action should they feel that intervention is necessary.

The Pandora Box

Mon, 27 Mar 2017 12:00:00 GMT

The Pandora Box The Government have indicated that there are not enough properties and need developers to build on mass to the correct the imbalance of a housing shortage effecting economic supply and demand to bring prices down. Yet I ask the question ‘what do people REALLY want? A bold question some may say as it very much depends on which side of the fence you wish to sit. There are times when we do things for our own personal goals even though we know that it is not really the best route when we take every bodies needs into account. In its broadest context Brexit has illustrated a general 50/50 split. Though what is the right direction to pursue. Only history will tell and the unique Pandora Box reveal. The Housing Market has remained buoyant over recent years though the Council of Mortgage Lenders have downgraded its forecast for 2017 as it expects the buy-to- let borrowing over the next two years to drop due to increased costs and a drop in yields. It was not expecting house prices to fall though did expect the number of transactions to drop. Though a lack of demand typically causes prices to drop which is preciously what buyers wishing to get onto the housing market REALLY want. Perhaps early signs are already here as British Bankers Association figures for the last 3 months show a drop in mortgage approvals. Many home owners who are not planning to move typically want the value of their properties to rise as this provides more equity and security for any uncertain futures. We have all seem the glow on people`s faces when they have great pleasure telling others how much their properties have risen in price. Though this can be a false sense of security as any home owners looking to upgrade to say a family size 3 bedroom from a 2 bedroom actually end up paying more as a 20% increase on a 2 bedroom house results in a proportionally larger economic increase for a 3 bedroom house. So actually buyers looking to up-size REALLY want prices to drop. Equity does allow entrepreneurs to borrow against the increased value of their properties. The Government are encouraging ‘white van man` as small business keeps the economy ticking over supporting local business as profits are typically spent locally. So those wishing to borrow REALLY want prices to rise as banks fail to lend without adequate security. Though please be aware that statistically far more new business fail in the first few years of trading than actually survive. Here at Sawyers Estate Agents, we have traded for over 20 years which is quite unique for a small business. The other use of increased equity is for in-house spending on property improvements and extensions which adds value to your property and avoids the need to necessarily move. Another party who REALLY want prices to rise are those looking to down size which are typically the mature, retired who down size once the kids have left home. Any downsizing results in better purchasing power as some have also seen when relocating from more expensive parts of the country to cheaper areas. Though the direction is typically only affordable one way. If we now taka a holistic view on what we REALLY SHOULD want to meet the needs of all the above then we actually need to seek a strategy of a drop in prices. This would meet the needs of the larger masses. Though with any market of falling prices, buyers can hold of buying due to fears of negative equity so you end up with even more spiralling of prices. It is as if the Pandora box really does exist, the outcome of which again only history will tell. Steven Sawyer. Bsc, ACIB, DipML, DipRLM, MNAEA, MARAL, CertDEA

Form 17

Tue, 23 May 2017 12:00:00 GMT

Q: My friend and I were struggling to get onto the property market, so we decided to buy a property together. I paid 75% of the deposit and mortgage whilst my co-buyer pays 25%. We have lived in the house for several years, though have now decided to both go our separate ways. We have decided to rent the house out and we have been told we need to complete a form 17 for the HMRC. Is this correct? A: In a nut shell no! Basically when you purchased your house you could have done this in one of two ways. Either holding your beneficial interest as Joint Tenants or Tenants in Common. The difference between the two is that the former you are deemed to own the property in equal shares 50/50. Should one party die then the other share will automatically transfer to the other party even if a deceased Will states otherwise and the proportion of deposit initially paid or monthly contributions differ. With the latter the ownership is held in a fixed percentage which may not necessarily be 50/50. So in your case I would assume that the house is held 75 / 25. This means that if either party wishes to dispose of their share then they are entitled to sell or dispose in say a Will their share of the property. I would suggest that you check what you have as most sharers typically would hold their interest in the latter and most married / civil partnerships in the former. Though this is not always the case. Form 17 is a legal document which only applied to ‘tenants in common` like what you probably have, though the big difference is that it only applied to married couples / civil partnerships. By default (S836 Income Tax Act 2007) any rental income received is taxed for married / civil partnerships 50:50 irrespective of the percentages held unless you complete Form 17 and submit this to the HMRC. The form needs signing by both parties and applied only whilst they live together. The proportions held by each party are not listed within the title deeds and is detailed via a ‘declaration of trust` document which is then registered with Land Registry. I would assume that this is what you probably completed when you purchased the house in your 75:25 share. Some married / civil partnership couples may prefer buying via a tenants in common and completing a declaration of trust together with form 17. The advantage of this is that form 17 can be changed as many times as they wish and owners who keep slipping in and out of the higher/lower tax brackets can find it more beneficial to allow a lower or non-earning owner to utilise their tax codes more efficiently to reduce both parties` tax liabilities. As you are not married, or if married / civil partnership not living together then Form 17 is not required.

Leasehold house and developers scam

Sun, 06 Aug 2017 12:00:00 GMT

Many readers would have heard ‘Leasehold ‘and ‘Freehold` properties but not necessarily know the difference between the two and the financial consequences each have on the owner. Freehold is where you own the property including the land on which it is located. However with Leasehold you typically find that the land on which you property is located is owned by somebody else or that you may own this land is conjunction with others. In its simplest terms you will find that Leasehold is where you have a flat and freehold is where you own a house. However these terms are starting to become muddled and this is resulting in large financial penalties on new buyers. Leasehold flats have service charges to cover the upkeep of the communal parts including the buildings insurance. They also include ‘Ground Rent` which is rent paid to the freeholder for the right to have you flat located on the freeholders land. Detail of this are listed within the property lease agreement and with flats has tended to run fairly smoothly. However this is where the goal posts are about to change. Developers of new estates over the last few years have seen opportunities to make money on freehold land by selling instead leases on houses instead of the freehold. Hence the land remains in ownership of the developer, who can sell this investment on. The whole purpose of selling leasehold houses is not to benefit the owners but as a money making exercise which some are terming a scam. For example, contained within the house deeds are clauses which state that the ground rent increases to unacceptable levels over a number of years, or that consent may be required from the freeholder to extend ones house to add say a conservatory. These fees for consent are both excessive and unwarranted, though the consequences are that vendors of such properties are finding that their homes are becoming unsellable as a result. The Government has now got involves and the Communities Secretary Sajid Javid has said "Enough is enough. These practices are unjust, unnecessary and need to stop," Consequently, it looks like Leaseholds on new builds will be outlawed, which I would totally agree with. I must admit that I am not aware of any such new builds within the Stroud area. Though I did come across a similar example of a freehold property where the developers had restricted pets without consent and we already had a pet in the property which we just happened to be renting. Talking with the developers their reasoning was to be able to take action against pet owners who did not keep their pets under control. Fine, though one rule for one can`t be a different rule for another, otherwise precedence is established. Similarly, this whole situation illustrates well that buyers have not undertaken full diligence in the buying process. Perhaps because their legal advisers have been rather lapse and missed these important clauses? Concluding the moral of the story, is that developers need to be honest and fair to their buyers and like any legal transaction be sure to fully understand all the small print before committing oneself…. Steven Sawyer, MNAEA, MARLA, DipRLM, Bsc, ACIB, CertDEA

Gas Safe Week 18 to 24 September 2017

Tue, 19 Sep 2017 12:00:00 GMT

This week is Gas Safety Week, so I thought that I would cover the importance of having an up to date gas safety certificate and the penalties should this be lacking. This is now in its 7th year and is designed to make more people aware of poorly maintained gas appliances which can cause gas leaks, fires, explosions and carbon monoxide (CO) poisoning. This includes not only Landlords but also home owners as there is no legislation or responsibility for gas appliance owned who do not let to have any checks undertaken. Though freeholders do put their family members at risk by not having appliances checked. Landlords are required to provide their tenants with an annual gas safety certificate to cover all gas appliances and that any gas work at their rented properties is only undertaken by a member of Gas Safe Register. You can find your local engineer on the following web site www.gassaferegister.co.uk/find-an-engineer/ An engineer also has a photo id card and this lists on the reserve the items which they are trained and authorised to undertake. For example not all gas engineers can fix your gas cooker, though they may be able to install a gas boiler. There have been 31 death and over 1000 injuries from gas related leaks or fumes over the last 3 years. This includes about 7 deaths from exposure to CO which is an odourless, colourless toxic gas that causes unconsciousness, due to poorly maintained gas appliances. The Health and Safety Executive (HSE) have powers to investigate Landlords to make sure that their certification is up to date. AS mentioned above, only a member of Gas Safe Register should work on gas appliances. Should others undertake gas work they are in breach of the Gas Safety (Installation and Use) Regulations 1998 and the Health and Safety at Work etc Act 1974. Likewise, if there be no gas safety certificate in place, the HSE may request an Improvement Notice (IN). Failure to comply will typically result in prosecution by breaching section 33(1)(g) of the Health and Safety at Work etc Act 1974 and the Gas Safety (Installation and Use) Regulations 1998 (36 (3)). Both of which can carry a custodial sentence. During my two decades within the profession, I have personally identified several gas leaks which involves calling the Gas Services Emergency Line on 0800111999. They are available 24 hours, 7 days a week and will send an engineer out for free within 1 to 2 hours. So to conclude, make sure that your documentation is all up to date and if you`re not a Landlord consider also having your appliances tested as always better to be safe than sorry.

A week in politics

Mon, 02 Oct 2017 12:00:00 GMT

You have heard the term, it has been quite a week in politics, well put another way it will have been quite a week in our housing market if recent government, opposition and Bank of England announcements transpire into fruition. Last Wednesday Jeremy Corbyn the Labour leader at their party conference re-iterated that his party was becoming the new centre ground with his views that were often seen as on the fringe now becoming fundamental vote winners especially with the younger generations - those affected most by the capitalist model that is showing signs of cracking at the sides. I must admit that in the past I have seen Labour as ‘quasi` Conservative. Though not now. Within his speech he was passionate in the needs for ‘No social cleansing, no jacking up rents`. The recent Glenfell Tower fire had highlighted a monument to a failed economic and housing system in the UK as he set out Labour plans for city-wide rent controls and a crackdown on gentrification projects – to quote the neoliberal economic model `forged by Margaret Thatcher many years ago` is broken. Corbyn`s plan is for more state intervention in housing. `Rent controls exist in many cities across the world and I want our cities to have those powers too and tenants to have those protections,` Corbyn said. This would include limiting rent rises to inflation. Corbyn said: `We also need to tax undeveloped land held by developers and have the power to compulsorily purchase. Families need homes. No social cleansing. No jacking up rents. No exorbitant ground rents`. Corbyn`s vision was not about dismantling capitalism, but about rebalancing the economy with more state involvement. I would agree with him as we within the house selling profession experience firsthand the difficulties met by the young and even now the not so young generation still seeking after a decade or two to get onto the property ladder. While renters aspire to enjoy / save their earning captivity and not work to just pay the rent and bills. Last Friday Mark Carney the governor of the Bank of England hinted that interest rates which are at an all-time historic low would, if the economy keeps on its current track in the relatively near term, need to increase to easy off the ‘accelerator`. Inflation is starting to rise, due to a fall in the value of sterling, as a result of Brexit and the desire is to revert back to the 2% target. Borrowers have not had it so good as rates have remained low for almost a decade at the expense of savers. Though it is getting that ‘balance` as rate rises can cause the economy to slow too much resulting in depression as ones deposable income is reduced and we all tighten our belts. Perhaps the honeymoon period is over? Finally, last Sunday Teresa May our Prime Minister confirmed on the Andrew Marr show that the Government was funding £10bn into the Help to Buy scheme. This works by enabling first time buyers to provide as little as a 5% deposit with a Government loan and will assist some 135,000 buyers. However, the funding only applies to newly built houses/flats. This only assists developers selling what some consider overpriced new builds. It does not pass onto the bulk of properties which are sold ‘second` hand. The scheme really needs to be expanded to include all housing types, as that would make a real difference. After all chain sales can extend to several sales within one transaction. First time buyers buying what is a chain free new build does nothing for the pre-owned market. To conclude, Labour have ruffled Tories feathers, the economy in terms of unemployment remains low, though uncertainly is starting to creep in. The younger generation needs change. Politics being politics doesn`t necessarily provide the correct outcome when you are trying to steer the ship and your compass is not pointing in the right direction…

AST abolished in Scotland, will England follow soon?

Tue, 16 Jan 2018 12:00:00 GMT

Yes the Assured Shorthold Tenancy Agreement (AST) has been abolished in Scotland from 1st December 2017, under the Private Housing (Tenancies) (Scotland) Act 2016. This has been replaced by a Private Residential Tenancy (PRT). The problem found with the classic AST is that Landlords can give notice to their tenants via a S21 without providing a reason. This results in many tenants living in constant fear that any day they may lose their home. To correct this the Scottish system tenants can only be evicted via one or more of 18 grounds. Similar though not exactly the same to existing English grounds under Section 8 of Housing Act 1985. Existing AST is Scotland will continue until either the tenancy ends via notice or both agree to create a PRT. There is also a Model Tenancy Agreement (MTA) which Landlords can use to avoid the classic case of downloading out of date tenancy agreements from the internet and this must now be in writing. Gone is the automatic verbal default that did exist. These also come with Easy Read Notes. To end the tenancy, tenants only need to give 28 days notice from receipt by the Landlord and Landlords now need to issue a Notice to Leave. As mentioned preciously this need to list at least one of the 18 grounds, 8 of which are mandatory, 8 discretionary and 2 could be either; • Mandatory grounds - where the First-Tier Tribunal (Housing and Property Chamber) agrees that the ground exists. For examples include: The landlord intends to sell the property, the landlords mortgage provider wants to repossess the property, tenant has a relevant criminal conviction, or the property has been abandoned. • Discretionary grounds - The Tribunal still has to decide whether it`s reasonable to issue an eviction order, even if they deem that the ground is met. Examples include: Tenants breach a term(s) of the tenancy agreement, tenant has engaged in anti-social behaviour or the landlord`s HMO licence has been revoked. • Grounds which could be either - rent arrears for 3 consecutive months. If the tenant owes at least a month`s rent when the tribunal considers the case the ground is mandatory. If less than a month`s rent on the first day of the tribunal, the ground is discretionary. If the tenant has been at the property for less than 6 months, 28 days` notice is required, , otherwise it is 84 days unless related to conduct for example rent arrears, in which case we are back to 28 days. Should the tenant not vacate Landlords apply for an eviction order via the First-tier tribunal. Any rent increases are no more than once a year following 3 months` notice using the `landlords rent-increase notice to tenant(s)` form. Any appeals is via a rent officer within 21 days of receipt notification by completing Part 3. Security deposit are now no more than 2 month`s rent. Whilst only a brief summary of the key points, what is interesting is that the Welsh Government are also talking of abolishing the AST and back home in England the Labour Government under Corbyn have indicated that they too would make changes to give tenants more security. Though currently the Conservative Government appear to be lagging behind as Brexit right or wrong takes more of a focus.

Q & A on tenancy applications

Tue, 10 Apr 2018 12:00:00 GMT

Q: I am looking to rent my first property and need to know what can I expect to be asked on the application form once I have found a property to let? A: You will find that all letting agents will have an application process which you will need to follow once you have found a suitable property to rent through them. This will either be a hard copy form or maybe via an on line application and will include though is not inclusive the following; Your name, current address, contact details to include email address (try to provide a private email address and not your work email address as your employer would have access to you work email, even though they may be considered private) and your date of birth. With this information assuming the agent using a third party credit reference company then they will be able to confirm your entry on the electoral roll, see what credit data is recorded for you which gives a credit score and establish if you have any county court judgements or bankruptcy orders against you. If you do have detrimental information / poor credit score then this may affect your ability to rent. The Landlord via their agent will also want to know if you have rented before and if so they would typically require a Landlords reference. Usually your current Landlord is contacted, though there is no reason not to go back to previous Landlords. These references involve responses to a number of questions which typically cover length of tenancy, current rental figure, whether rent has been paid late, is there any rent arrears, has the property been looked after and would the Landlord let to you again. The Landlord will also need to know whether or not you are working and what level of salary you are on so that they can establish your ability to afford the rent. Usually a multiplier is used and references maybe taken from your current employer or accountant if you are self-employed. Other questions which you may be asked include whether you smoke or not, or have pets, or children with ages. Precious addresses may also be taken if you have moved within the last 3 years. With all this information to hand, a decision can be made on your suitability to take the tenancy. Usually most applicants will pass the application process, however there are times when applicants who fall slightly short of the minimum requirements may still be offered a tenancy subject to providing a guarantor. A guarantor is typically a family member and guarantees payment of rent or other liabilities that the Landlord may have to pay if the tenant failed to pay. Should the application process reveal that your past is catching up on you as they say, resulting in a polite decline, then you may struggle in finding a Landlord prepared to take you on.

Q & A on Inventory & conditions reports

Mon, 30 Apr 2018 12:00:00 GMT

Q: When you decide to rent a Property, the tenant will typically be presented with an inventory at the start of the tenancy, what is the purpose of such a document and what should be do with this ? A: An inventory details what items are provided with a property at the start of a tenancy. However, this document typically is not just a list of movable items, it will also include a list of the fixtures for the property which many often dismiss as needing to be included. This includes inter alia the flooring, skirting boards, walls and ceilings. The report should also include a ‘conditions report` which looks at the condition of the said items. So using our previous example we would also need to look at the condition of the flooring to include carpets for example. These need to be accurately described and state whether they are in good and clean condition, or have some damage or staining as this then reflects a correct record of both the items and their condition at the start of the tenancy. The inventory and conditions report can be compiled by the Landlord, the Landlords agent or a specialist inventory provider. The report should be presented to the tenant at the check in. Ideally this should be with the Landlord, letting agent or an inventory clerk present. However some agents provide the said document to the tenant asking them to check through this themselves and to notify any discrepancies within 7 days. Once compiled the report will form the basis on which the property is then checked through on vacation. For this reason it is important that the inventory is both accurate and checked ideally through with both agent and tenant present. If this does not happen and tenants just accept and sign off the inventory as correct without checking then they can find themselves liable to errors due to incorrectly assuming that the report is correct. Examples can include where descriptions may state items as being in a Good / Fair / Poor condition, though condition can sometimes be subjective. Likewise, Good / Clean condition can also be subjective. On vacation, if the condition at ‘Check out` differs then tenants may find themselves liable for dilapidations to the Landlord for any damage. Naturally, the Landlord needs to accept fair wear and tear, taking into account the length of the tenancy and number of occupiers. Children can create more wear and tear though large crayon marks on the walls would not be classed as using a property in a ‘tenant like manner`. This is the main factor which would need to be looked at to decide if something was reasonable or not. For example a tenant would reasonably be expected to keep a lawn mower in a garden shed or garage or out building and not the kitchen. Though a Landlord who does not provide such storage items, cannot reasonably prevent storing the mover in the kitchen causing come decorative damage if there is nowhere else to keep it and the property come with a lawn which needs tendering. The Inventor and conditions report can also include meter reading, allocation of keys, rubbish collection / recycling days, emergency procedures and out of hours contact details etc. Sometimes this report is also backed up with photographic evidence. However, this if your report is well compiled in the first place pictures are less of a necessity at check in though essential to highlight discrepancies at check out. It is important that the reports are correctly executed at check in, i.e. signed off and signed off at check out and a copy provided to all parties. After all, it is a free service for tenants to appeal should they disagree with any request to make deductions so Landlords need to make sure that the reports are both thorough and comprehensive. Some Landlords decide, not to provide an inventory. This is fine, however if tenant should cause damage and refuse to pay for this, then Landlords will have no grounds for reimbursement without documentary evidence.

My neighbours garden looks unsightly what should I do?

Mon, 04 Jun 2018 12:00:00 GMT

Q: I am trying to sell / rent my out my property and the neighbours` garden is very off putting, what do you suggest I do about it? A: Within this profession you get to see many properties for both sell and to rent where the immediate neighbours properties are a bit of an eye sore and this makes one think, how will I be able to sell / rent with things looking like they do. More often than not this includes un-kept gardens, old vehicles, builders rubbish or litter strewn about everywhere. The answer that I give is why don`t you just knock on your neighbours door and offer to address the problem oneself without seeking payment. In other words offer to help unconditionally. All too often you will find that where things appear un-kept there is usually an under lying reason and by knocking on the door, one typically will get to learn the reason why and the reason provides an explanation which may not be sheer laziness as maybe the first impression. To illustrate one can`t cut ones lawn if one does not have the right cutting equipment / mower / strimmer. So offering to either proves your mover or cutting it oneself will both improve the outlook of making a good impression with your own property and also get people gossiping within the neighbourhood as others notice that the eyesore lawn for so long has been cut. Others typically will not know what has brought this about but that does not matter. The important point is that it is sorted. Without blowing my own trumpet, I offered to cut a lawn tonight making it very clear that I did not require payment for a guy, only that I was very happy to cut it if accepted. The owner did accept the offer, and two of his neighbours also popped out to chat to me as a result, one offering to sweep up the grass cuttings which I had created. Having cut the lawn, the cul-de-sac looks much improved within an area miles from where I live and it has been no skin off my back. We could apply the same principle to unsightly rubbish in people front gardens. We may often see for example the Scouts or Cubs walking around the neighbourhood doing a litter pick within public footpaths. Why not apply the same principle to ones neighbours` gardens. Or offer to take a load of rubbish for somebody to the local tip. After all if you have the means, share it with others. If one doesn`t then why not ask somebody who does or even offer to pay for the local authority to call and collect the bulky household items instead. Yes, this involves an expense, yet we all give money to charity, so just treat this as another charity. All this for some maybe considered rather controversial, yet it need not be, it is neighbourhoods helping out their neighbourhoods for the common good. The list of things could be endless, yet the results speak louder than words. Yes, one could feel that one is being taken advantage of, yet does that really matter. You`re wanting to sell / rent and if you decided to do nothing then you are typically not going to achieve any result. At least by offering you have a greater opportunity of achieving your desired goal. Hopefully for some of you, the seed is sown and readers of this article can perhaps start to think about what services one can offer ones neighbour / local community this week. Please do give it a go as I am sure you will be pleasantly surprised…

Rent a Room Scheme

Sat, 01 Sep 2018 12:00:00 GMT

Q Pennies are short at present and I have a spare room, can I rent this out and do I have to pay any tax? A: It is not uncommon today to find times when one may have a spare room and renting this out can be a good means of bringing in some extra income without some of the liabilities which comes with renting your whole property though for example an Assured Shorthold Tenancy Agreement (AST). The process involves advertising your room though a paper advert, a Letting Agent or some internet providers. You will need to conduct your own viewings and having sourced a suitable lodger it is advisable to draw up some form of agreement / house rules. The scheme is not governed under the Housing Act 1985 so you have no fears of lodgers seeking to stay if things don`t work out and you ask them to leave or rents are not paid. You can even go as far as placing their belongings in a black plastic bag outside the property though if things are not working out try to come to some mutual arrangements first. You do not need to take any deposit, though if you do this does not have to be registered unlike an AST. The accommodation you provide much be furnished within your main home, though can be Monday to Friday if you prefer more privacy at the weekend as with any shared accommodation your lodger will need access to both your kitchen and bathroom, though not necessarily the whole house. If you try to create some privacy by installing a 2nd kitchen for the lodger`s use then you will be liable for a 2nd Council Tax Banding. You can earn up to £7500 per tax year tax free under the scheme with joint owners receiving half this figure each for the tax year 2018-19. This is equal to £625 per month. Typically with our area around £425 per month all-inclusive of utilities is the going rate. Though remember if you are currently claiming the 25% allowance off your Council Tax as a single occupier, you will lose this. However the extra income from the room makes up any loses. You can also claim for additional expenses including providing meals or laundry services. By using the scheme you will not be able to deduct any of your expenses. Though there are options to recover expenses if your income exceeds the £7500 figure or you decide to opt out of the scheme altogether. You do not mention whether you are an owner occupier or tenant. Both can use the scheme however tenants would need to get consent from their Landlord. This is often already refused within the tenancy agreement as this typically contains a no subletting clause. Likewise, any lender and buildings insurance company needs to be informed and they may also need to give consent.

New S21 regulations

Mon, 01 Oct 2018 12:00:00 GMT

Q : What is happening with S21 notices again as they seem to keep changing what we need to do and I am getting somewhat confused. A: You are not wrong is what you have stated and yes changes for England have occurred from 1st October 2018. Prior this this tenancies taken out from October 2015 needed to be in a prescribed format to include a Form 6A. From now all Assured Shorthold Tenancies, irrespective of their start date, as the new form covers both Periodic and fixed term tenancies need to be in the new format to include Form 6a and the following documents provided in accordance with the Deregulation Act 2015; • Issue How to rent: the checklist for renting in England guide to all tenants • Issue a valid up to date Gas Safety Certificate which the tenants need to have seen • Provide a copy of the Energy Performance Certificate to the tenants unless except for example a listed property • Provide details of the scheme that the deposit is registered with and finally, • If the property is also licenced, provide a copy to all tenants (for example properties which may need compulsory licencing in say student area). David Cox, Chief Executive, ARLA Propertymark sums it up well with the following advice for agents `It`s important agents are executing effective Section 21 Notices when necessary. There is a legal question over whether the additional documents need to be served on pre-October 2015 tenancies, but it`s very unlikely that a judge would throw out a case on the basis that an agent has provided the tenant with too much information. A test case before the courts is probably required to determine exactly what needs to be served for these tenancies. `Therefore, we think that the safest course of action for letting agents is to serve all the documentation when serving a Section 21 Notice. The Deregulation Act 2015 makes the will of Parliament clear – these documents should be served – so it`s easier to comply with the spirit of the law rather than rely on a potential legal technicality. `The changes highlight so clearly that the current system is a mess which must be simplified and improved. We call on the Government to bring forward its promised Call for Evidence on a new Housing Court and work with us to build a system fit for today`s private rented sector.`

Probate Valuations

Mon, 15 Oct 2018 12:00:00 GMT

Q: I have recently lost my aunt and have been informed in the will that she had listed me as the executor of her estate. I am told that I need to arrange for her assets to be valued including her house. How do I go about this? A: As a matter of fact I have undertaken 2 valuations under similar circumstances recently and it is something which Estate Agents are often asked to do. What you need to do assuming the property is in your Aunts sole name is to arrange what is called a ‘Probate` valuation. This is an open market valuation as at the date of death, not the date that the valuation was physically done. This may involve some adjustments if prices have changed recently and the paperwork needs to be presented to the courts usually within 6 months of the date of death. Having been instructed as an executor you are responsible for executing the wishes of the deceased as listed in her will. This involved ‘Proving` that this is the last will as you are unable to dispose of any assets until you have received probate which is a document issued by the court. You are however able to start the ball moving by placing the property on the market to sell. However exchange will be held up if probate has not yet been granted. With this figure in hand, there may be inheritance tax payable by the estate depending on the value of the assets left, which may also include chattels, monetary deposits and insurance policies. Sometimes two executors maybe listed to deal with these tasks as they can be onerous to the inexperienced which is why some may instruct a solicitor to take on such a role. Naturally subject to their fees. If the property was given away within the last 7 years, then the valuation date is taken as the date the gift was given. Any valuation, may be but an opinion of what somebody may we prepared to pay and it may be necessary to have 2 or 3 probate valuations undertaken and average the figure as they will typically not agree 100%. Be sure to inform the agent that you are seeking a probate valuation. This whilst typically subject to a fee will provide a more realistic figure and not as seen when one remains silent an inflated asking price valuation which may result in you having to pay a higher inheritance tax bill. Often over looked is the need to inform the building insurance company that the property is now empty awaiting probate and sale as during this time the property is considered a higher risk and may require an adjustment of the premium to remain fully covered. Also be aware that if the property is sold above the probate value then Capital Gains Tax maybe payable by the beneficiary of the property which can happen as market prices may increase over time. Should the property be sold with 4 years and the price is lower than the probate valuation then one could make a claim to HM Revenue & Customs for a refund of any overpaid Inheritance Tax.

FULL-TIME VACANCY (Residential Block Manager)

Sat, 20 Oct 2018 12:00:00 GMT

Salary: Competitive depending on experience Hours: Full Time Permanent We are currently seeking a Residential Block Manager to deal with a small portfolio of residential blocks within the Stroud District. A minimum of 2 years on the job block management experience is preferred. Duties will include: • Managing your own portfolio to include all aspects of Block Management • Site visits and compile schedules of works, instructing contractors as required • Preparing the annual service budget and sending out service charge accounts • Completing any Section 20 Notices that are required • Chairing the AGMs and meeting with Leaseholders / Freeholders • Meeting new clients to arrange new business & support the letting team generally • You will be required to deal with insurance renewals / claims and any major client works. Ideal candidate: • Must be thorough and have a strong work ethic • Be polite and well mannered • knowledgeable of Health and Safety regulations • keeping up to date with legal matters apply to the terms of the lease • Deal with matters arising and have an upstanding of accounts to be able to compile budgets, reserves and final accounts. • Ideally IRPM or ARMA qualified. Experience of residential lettings through ARLA would also be an advantage. To apply, please email us your C.V along with a covering letter setting out why you feel you would suit the position to: steven@sawyersestateagents.co.uk

FULL-TIME VACANCY (Residential Lettings Negotiator)

Sat, 20 Oct 2018 12:00:00 GMT

We currently have a vacancy for a highly motivated person to join our busy and ever expanding Lettings department. The ideal candidate will have a minimum of two years` experience within Residential Lettings and be ARLA Qualified, have good communication and administration skills along with a passion for property. You must be a car driver/owner. A general Estate Agency background will also be considered. (Salary dependent on experience). To apply, please email us your C.V along with a covering letter setting out why you feel you would suit the position to: clive@sawyersestateagents.co.uk

Budget 2018 and effects on Housing Market

Sun, 04 Nov 2018 12:00:00 GMT

We have very much become accustomed to the little red box and the chancellors annual readjustment of taxes to stem the tide of our economy in a Robin Hood attempt to typically give more to the poor, taking extra from the rich. Applying this to our Housing crisis what preciously has been announced and how will this fix our housing market? Within the Budget on 29th October 2018 the chancellor Philip Hammond did accept that measured were required to fix the market, boost prosperity and increase living standards. Encouraging measures though often seen as too little too late. First time buyers buying a home up to £300,000 since last year`s budget remain exempt from Stamp Duty. Also the Help to Buy Scheme that was meant to end in 2021 has been extended till 2023 having so far assisted 121,500 people and bringing first time buyers figures up to a 11 year high. Previously exempt of the scheme were ‘shared ownership` properties where a percentage is owed by a third party typically a Housing Association where so much is mortgaged and the remainder rented. Some argued that these too should have also been brought under the scheme last year as they do encourage buyers who cannot obtain full borrowing with a deposit. These are now included and as an added bonus back dated so buyers who own 25% to 75% of their home and rent the rest will receive a windfall on all purchases up to £500,000. This appears encouraging, yet I ask whether such action will fix the market as is the Governments intentions. First time buyers need more than just assistance with taxes on already overpriced priced properties. What they need is more affordable homes now, not the future. To address this one measure that the Government wished to encourage is town centre living. This will encourage retail zones to have a mixed blend of retail and housing to provide facilities on the door step so to say to sustain our dying high streets. This is particularly noticeable within our cities, as the cities already cater well for developments over shops as the infrastructure, transport hub is typically already in place. However within our rural towns of Stroud, Dursley and Cirencester town centre living brings the major challenges of transport as with rural development we typically still need to rely on the car. A commodity which many in the cities can forgo. An additional £675M has been allocated to assist councils with their main retail zones. Though how much of this money is coming our way is unknown. It is noticeable that many of our town centre properties already have flats above. However this brings challenges in itself as the conversions are typically from Victorian properties lacking amenity space for washing lines, refuse, recycling and cycle storage areas. And we have all seen the consequences of these poor housing consents that have not been properly thought though. A comment echoed by a tweet from Labour MP Helen Hayes who said V concerned to hear chancellor announce plans to simplify process of converting commercial buildings into housing – evidence shows that relaxation of planning regulations so far is creating some of most appalling housing in the country & only benefits rouge landlords. Other measures include £500m for Housing Infrastructure fund. That our local council can apply for to assist with building 650,000 additional homes. A desire for more small and medium sized enterprises to be building homes via a £1bn British business bank guarantees. A wish to assist 500 neighbourhoods to allocate land for housing at discounted rates and the scrapping of the cap on councils being able to re-invest council house sales into new council housing. Yet with housing building remaining slower than before the 2008 financial crash one remains sceptical…..

What`s free and fair within the selling and Letting

Tue, 19 Feb 2019 12:00:00 GMT

Earlier on Sunday I was wondering what I would I write my Market Comment on this week and was pondering on possibilities. Then at 8pm I received a phone call from a tenant of one of the properties we manage for a landlord who had just locked themselves out. We hold keys for all our managed properties and are on call 24/7 so whilst rare it is not uncommon. I was just about the bath my 2 little ones and put them to bed so was not really available to assist. Having tried another member of staff without success, I decided as my little boy would say when dressed up as Chase in Paw Patrol that somebody needs our assistance so we must help. I packed the boys into the car and having obtained our spare keys went to let the tenants in who were very appreciative. Now I would suspect that many would expect a charge to be levied against the tenants for this late Sunday night call out. Yet I ask the question why charge. If I can assist then why expect payment all off the time. The tenants had not done this intentionally and besides why not help where one can without expecting reward? This then gets one thinking within the property market whether that is selling or renting, where does one find something for nothing? I take a philosophy, if I can help somebody I will, even to the sacrifice of family at times as there can be times when others needs prevail and if one can adapt to resolve, then what`s wrong with that? I see this too with both Landlords and tenants where some Landlords go beyond expectations with a social responsibility for the welfare of their tenants. For example all too often if tenants start to struggle Landlords are seeking S21 notice for possession. Yet what is really needed is some compassion to overcome current difficulties assuming this is not abused. Likewise, I see some tenants who similarly assist their Landlords where required. This two way relationship works. Neither is expecting a financial payment, yet both appreciate and respect each others understanding, assistance and respect. Compare this to its only businesses approach, and you suddenly notice a difference. The business approach appear to distance itself and is cold on the inside, uncaring, and only seeking payment of rent and no excuses. I don`t know about you but I know which side of the fence I`d rather be. Turning to property sales, a similar approach can be taken. If one is fair and open from the start. All too often in sales we have vendors and buyers with different agendas, some of who don`t disclose the agendas for their own financial gain or to hedge their bets, only to disappoint as they pull out of transactions which they were never really committed to in the first place. Ask anybody within a chain which has broken down at the last minute and you will know precisely what I mean. Seeking a fair price for your property, avoids agents over valuing just to meet targets or receive commission on the instruction. After all a market price need not be the maximum somebody maybe prepared to pay assuming you can find that person in the first place. Pricing in the middle segment of your U-curve actually archives both maximum interest and avoids possible renegotiation later. And food for thought, what`s wrong with under selling if this enables a young family to remain within the village where they were brought up, who would otherwise be forced to move away due to overpriced demand for both second homes and holiday cottages. Finally, to conclude, I very much believe that this open honest fair approach works wonders whether this is within the property market or further field within society as a whole. Maybe if you`re given the opportunity try this out this week, give it a go and I am sure you won`t be disappointed.

Brexit & market uncertainty

Mon, 18 Mar 2019 12:00:00 GMT

I read with interest this week a report from the BBC taken from data compiled from the Royal Institute of Chartered Surveyors (RICS), that 77 % of their members surveyed were of the opinion that both buyers and sellers were currently ‘sitting tight` over the uncertainty of Brexit and that this was having a knock on effect within the housing market. Would I agree with their findings, the answer simply would be Yes. I have spoken of Brexit before and the fact that commentators had their predictions wrong when the country first voted to leave nearly 3 years ago. The Bank of England were of the opinion that prices would drop 30% as a result of the vote. Yet what actually happened locally was that prices continued to rise. Yet, I wonder whether the predictions will in fact become reality if this is perhaps the start of the bubble burst and we have just gone through the honeymoon period. The RICS report highlighted that the number of queries by potential buyers, sales and instructions from sellers had all dropped for six successive months. RICS has pointed to stalling activity, and sales taking longer to complete, in many of its recent monthly reports. Uncertainty always creates elements of caution on the part of both buyers and sellers. Sellers have approached us wanting to sell as they figure prices have reached a peak and buyers are not as abundant as one would expect for the start of Spring. I think that the problem is that we as a country still do not have a clue what the outcome of this will be with less than 2 weeks to go till 29th March. Some would consider this somewhat of a shambolic effort on the part of the Government and politicians to make formal ‘good` agreements. Yet good deals for the UK mean a bad deal for the other party, namely the EU. So common sense states that we are never going to achieve a good deal and the best that can be achieved is a compromise of best wishes. This is not so untrue with the house hunting process as if ones expectations are too high, you have no hope in chance of finding that perfect house. This means either aborting or being more realistic. More that often for those that do not really need to more, they will go down the abort route, often taking their house off the market and staying put. Those that need to move for example, to gain more bedrooms space have to re-consider and maybe move to a cheaper area. Though what is ironic about all this is that you are not going to buy a house if deep down it`s not right for you. Yet it appears the current Teresa May proposals are being pushed through as if one needs to be railroaded down this route as there is no alternative. Though a peoples vote would be the equivalent of the aborting option. Should the Government achieve a Brexit deal, this is only the starting point, the rear negotiation with traders throughout the world including the EU still needs to occur. Do we have confidence that this would be achievable given the current par larva. One fears not. Yet what is being decided is something which would effect a generation to come. Is it the right road to go down? Nobody knows. Hindsight would be great, Yet, I see many just going with one`s gut feeling, which is often the case with picking the right buy who will go onto exchange and not pull out part way though. With Brexit we do not really know and some have a somewhat blasé opinion that it will be ‘alright on the night`. Maybe yes, maybe no. I think the truth is that nobody actually knows. So do you gamble on a whim I ask? It appears we are more cautious when it comes to house selling as the money physically comes out of our own pockets, and are willing to be more risk adverse when it involves national decision making. Maybe on a positive note, returning to the RICS survey surveyors were "broadly positive" about the next 12 months what with greater clarity assuming of course that things are not extended indefinitely! Though, as would be expected with a Government department to ease the burden or soften the blow chancellor Phillip Hammond has provided further funding for affordable housing and the Office for Budget Responsibility forecast that UK house prices would rise by 0.8% in 2019, and 1.3% in 2020. Are we any more the wiser?

FREE DESKTOP PROPERTY VALUATION

Mon, 30 Mar 2020 12:00:00 GMT

If you would like to know the value of your own home and to hear what separates us from our competitors, please contact us on 01453 751647 or info@sawyersestateagents.co.uk for a free desktop valuation (We will not need to visit your home thus complying with Government guidelines at this time).

NHS Staff & Key Workers....

Mon, 30 Mar 2020 12:00:00 GMT

Dear NHS Staff & Key workers.......

In these extraordinary times,
for the amazing and difficult work you do,
from the bottom of our hearts,
we wanted to say;

THANK YOU!