Welcome to your monthly property update!

Welcome to your monthly property update!




BINGO LINGO - London - Walthamstow - Step Into Christmas!Fri Dec 15 2023 at 07:00 pm to 11:00 pm

Our Christmas specials tour sells out every year! Get your groups sorted early to enjoy our usual bingo chaos with a smattering of festive fun!

Click here to read BINGO LINGO - London - Walthamstow - Step Into Christmas!Fri Dec 15 2023 at 07:00 pm to 11:00 pm.



BINGO LINGO - London Feb 23 2024

Our sold out UK tour has arrived at Walthamstow to bring you the bingo chaos you've been yearning for!

Click here to read BINGO LINGO - London Feb 23 2024.



Ultimate 80s Party Band
Sat 29th June 2024

This event is free to attend. Happy days.

If we know of a trusted online shop with tickets available, we will always provide a link to buy from them...


Click here to read Ultimate 80s Party Band
Sat 29th June 2024
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Case study: Hampshire Trust Bank delivers funding for environmentally-friendly rural development

Case study: Hampshire Trust Bank delivers funding for environmentally-friendly rural development | Property Reporter
 
 
 
 
 
 

Case study: Hampshire Trust Bank delivers funding for environmentally-friendly rural development

The project involved the demolition of existing farm buildings at Andersey Farm in Wantage, Oxfordshire, to be replaced with five residential eco-buildings

Related topics:  Finance,  Development,  Case Study
Property | Reporter
16th May 2024
Scott Apps HTB 358
 
 
"HTB is committed to improving the efficiency status of housing stock across the UK, so while this was an unusual case it was one we were keen to work on"
- Scott Apps - Hampshire Trust Bank

Hampshire Trust Bank has completed a £3.195m development finance facility to fund the construction of five properties with exemplary environmental ratings on farmland in Oxfordshire.

The developer was determined from the outset to deliver properties with high energy efficiency ratings, a feature which is rare to find in rural areas. This goal has been achieved, with the project progressing on time and on budget.

The team effort between the developer, the group of professionals they assembled around the project and HTB’s Head of Origination Rob Syrett meant that they could confidently pursue their ambitious environmental targets.

Adam Stiles, mortgage broker at Helix Financial Partners who introduced the deal, commented: “This was a highly unusual case because of the environmental focus from the developer. It’s really unusual to secure such high energy efficiency ratings on rural properties, but the developer was clear about what they wanted to achieve.

“HTB excels in delivering a personal service on development cases, getting to know the borrower and understand their plans, which is why they were the perfect funding partner on this project.”

Scott Apps, (pictured) Head of Distribution for development finance at HTB, added: “HTB is committed to improving the efficiency status of housing stock across the UK, so while this was an unusual case it was one we were keen to work on.

“We are proud to have built a broad team of regional Lending Directors, who are able to bring their own local knowledge and expertise to determining the viability of potential projects. That experience is also crucial when it comes to working with inexperienced developers, as was the case here - even if a developer doesn’t have an extensive portfolio, if they have a quality team around them then we will look for ways to support them."

 
 
 
 
 
 
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Scottish landlords: What does an EPC rating mean to you?

 

As a landlord, it is important to be aware of the legislations regarding EPCs as its significance continues to grow with time. Currently in Scotland, to let out a property, you are required to meet a minimum EPC rating of D. The Energy Performance of Buildings Scotland regulations were set in 2008, and if not met, you could receive a minimum fine of £500.*

What is an EPC rating?

EPC stands for Energy Performance Certificate, which rates the efficiency of energy within the property. This is ranked on a scale from A (most efficient) to G (least efficient), and the certificate stays valid for a period of ten years. The EPC certificate will also provide you with ways to improve your home's efficiency to boost your rating for your next assessment. 

Why do we have EPC ratings?

The EPC rating has been put in place to reduce carbon emissions from homes, creating a positive impact on the environment in the future. As a landlord, your EPC rating certificate should be available for current and prospective tenants to view at any time, and you are required to advertise your letting property with a clear EPC rating.

How is my EPC rating calculated?

Numerous property-related factors are taken into consideration when grading your property’s EPC rating. An energy assessor will conduct an assessment and study the contributing factors in your home, which are your overall energy costs, your property’s internal layout, the boiler, insulation, windows, your central heating system, and any hot water tanks.

Why is it important to have a high EPC rating?

This can be used as a unique selling point and help attract more tenants to your properties, as people become more aware of their environmental impact. This can also lead to an overall reduction in property maintenance, which would result in fewer costs.

How can I improve my EPC rating?

When you have your EPC assessment, you will be granted a certificate, which will advise you on ways in which you can improve your rating. The most common methods for improving your EPC rating are; installing insulation within the home and surrounding pipes, light bulb replacement with energy-saving bulbs, upgrading your boiler and heating system, installing solar panels, a smart meter, and double or triple-glazed windows. 

What does the future look like for EPC ratings in Scotland?

Before March 31, 2025, landlords in Scotland will be required to have an EPC rating of a D or above to be able to continue to let properties. If this requirement is not met, it could result in a fine. In 2025, the Scottish government plans to potentially introduce a deadline for your EPC ratings to be calculated above a C, which most likely won’t need to be met until 2028.**

It is clear the required EPC ratings will continue to rise. So, as a landlord, it is important to stay ahead of the game and keep that rating high to continue to have success in the Scottish rental market.

 

Contact us for more information on letting your property

 

Gov.scot*
Yateshellier**

 

 



Good Ship Comedy feat. Laura Lexx | Fri, 14 Mar, 2025 at 08:00 pm to 10:30 pm 

GOOD SHIP COMEDY IS SAILING OUT EAST FOR THE FIRST TIME TO BRING SOME OF THE FINEST HEADLINERS IN THE LAND TO LEYTONSTONE!

Click here to read Good Ship Comedy feat. Laura Lexx | Fri, 14 Mar, 2025 at 08:00 pm to 10:30 pm .



Tips to make your offer more attractive to sellers without overpaying

In today’s competitive property market, securing the home you want requires more than just making a high offer. Sellers consider multiple factors when choosing a buyer, and a well-structured, appealing offer can give you the edge without stretching your budget too far. Here are some key strategies to make your offer stand out while ensuring you pay a fair price. 

Get your finances in order 

Sellers prefer buyers who can move quickly and with confidence. Having a mortgage agreement in principle (AIP) shows that you are financially prepared and serious about buying. If you are a cash buyer, making this clear in your offer strengthens your position, as sellers often favour buyers who do not rely on mortgage approval. 

Be flexible with your timeline 

A seller’s ideal buyer is someone who fits their moving plans. If they need a quick sale, being ready to proceed without delays can put you ahead of the competition. On the other hand, if they need extra time to find a new home, offering flexibility on move-in dates could work in your favour. Asking the seller about their preferred timeline and accommodating their needs can make your offer more appealing. 

Keep your offer clean and simple 

Avoid adding unnecessary conditions that could slow down the process. Sellers may be put off by offers that are dependent on selling another property or subject to extensive surveys and delays. A straightforward offer with fewer contingencies reassures the seller that the sale is less likely to fall through. 

Establish a good relationship with the seller 

Property transactions are not purely financial. Sometimes sellers favour buyers they feel a connection with. Expressing why you love the property and how you plan to care for it can create goodwill. This is especially effective when sellers have an emotional attachment to their home.  

Work with a reliable estate agent 

A well-regarded estate agent can present your offer in the best light and highlight your strengths as a buyer. If you are working with a trusted agent, they can communicate your seriousness and financial readiness to the seller’s agent, giving you a competitive edge. 

Show you are ready for a smooth transaction 

Being prepared with all necessary documents, such as proof of funds and solicitor details, demonstrates that you are serious and ready to move forward. Sellers and agents appreciate buyers who are organised and can proceed without unnecessary delays. 

Win the offer without overpaying 

Securing a property does not always mean offering the highest price. A well-prepared, flexible, and confident approach can make your offer more attractive without exceeding your budget. By presenting yourself as a strong, reliable buyer, you increase your chances of getting the home you want without paying over the odds. 

 

Need expert advice on making a winning offer? Contact us today for guidance on navigating the buying process successfully 

 



Deposit Protection Schemes in 2025: What’s changing and how it benefits you

For tenants, a protected deposit provides peace of mind that their money is safe and will be returned fairly at the end of their tenancy. In 2025, there are updates to deposit protection rules and processes that tenants need to be aware of. Understanding how these schemes work and what changes are being introduced can help you feel more secure in your rental agreement. Here is what is new this year and how it benefits you. 

What is a deposit protection scheme 

Deposit protection schemes exist to ensure that tenants’ deposits are kept safe and handled fairly throughout a tenancy. By law, landlords must place your deposit in a government-approved scheme within thirty days of receiving it. At the end of the tenancy, deductions can only be made for agreed reasons such as unpaid rent or property damage. If there is a dispute over deductions, the scheme provides a resolution service to ensure fairness for both parties. 

What is changing in 2025 

New measures are being introduced to improve deposit protection, increase transparency, and make it easier for tenants to track and manage their deposits. Some of the key changes include. 

Digital tracking and notifications  

More schemes are moving towards online systems where tenants can log in and check the status of their deposit at any time. You may now receive automated updates confirming when your deposit has been protected and details on how to retrieve it at the end of your tenancy. 

Faster dispute resolution 

Improvements to the resolution process mean that disputes over deposit deductions are expected to be resolved more quickly. Some schemes are introducing stricter timeframes for landlords and tenants to submit evidence, helping to prevent unnecessary delays in getting your money back. 

Stronger penalties for landlords who fail to comply 

If a landlord does not protect your deposit correctly, they can now face tougher financial penalties. This change is designed to encourage full compliance with the law and ensure tenants’ money is safeguarded properly. 

How these changes benefit tenants 

The updates to deposit protection schemes are designed to make the process fairer, clearer, and more efficient for tenants. Here is how you will benefit. 

Greater transparency  

With more digital tracking options, tenants will have better access to deposit information, reducing uncertainty and making it easier to check that their money is being handled correctly. 

Quicker access to your deposit  

Faster dispute resolution means tenants will not have to wait as long to receive their deposit back at the end of a tenancy, even if there is a disagreement over deductions. 

More security for your money 

Stronger penalties for landlords who fail to protect deposits properly mean fewer risks for tenants. If your landlord does not follow the correct process, you will have more legal backing to claim compensation. 

How to check if your deposit is protected 

If you have paid a deposit, your landlord or letting agent should provide you with details of where it has been registered. In England and Wales, deposits must be held in one of three government-approved schemes. 

  • Tenancy Deposit Scheme TDS 
  • Deposit Protection Service DPS 
  • My Deposits 

You can check whether your deposit is protected by visiting the website of these schemes and entering your tenancy details. If your landlord has not provided you with deposit protection information, ask them for it immediately. If they fail to protect your deposit, you may be entitled to compensation of up to three times the deposit amount. 

What to do at the end of your tenancy 

To ensure you get your full deposit back, follow these steps before moving out: 

Check the tenancy agreement: Review the terms regarding deposit deductions to understand what could be charged at the end of the tenancy. 

Document the property’s condition: Take photos and videos when moving out to provide evidence that you are leaving the property in good condition. 

Request your deposit return promptly: Once you have moved out, formally request your deposit back through the protection scheme to start the process. 

A fairer and more secure system for tenants 

The updates to deposit protection in 2025 are designed to make renting fairer and more transparent for tenants. With better tracking, faster resolutions, and stricter enforcement for landlords, tenants can feel more secure that their deposits are being handled properly. Knowing your rights and taking simple steps to check your deposit is protected can help ensure a smooth rental experience. 

 

Contact us for guidance on your rights as a tenant and how to ensure your deposit is safe




How could recent price rises help to offset the stamp duty increase?

 
The property market has a way of taking care of itself. The recent average, price increases of 1.7%* in January, perhaps driven by demand to beat the stamp duty rush, could help to mitigate some of the costs associated with stamp duty (SDLT). However, this will also largely depend on how well you can negotiate a good selling price and have a good strategy when making an offer.
Strong values could help with stamp duty rises  
For single-owned residential properties, stamp duty has various thresholds, meaning its rise by 2% from 0% on properties is from the portion priced between £125,001 and £250,000.** The increase in value of your property could be more than this amount, which is £2500. However, you pay stamp duty after the purchase of a property, so a lot depends on the finer details of negotiating your offer. If your home’s value is more than £250,000, those thresholds remain the same for a single property.
Understand the full stamp duty rates
It’s important to note that the existing thresholds for homes worth more than £250,000 remain unchanged for single-property purchases. At 5% on the portion from £250,001 to £925,000.** Beyond this, the next £575,000 (from £925,001 to £1.5 million) is taxed at 10%, and any amount above £1.5 million is taxed at 12%.**
First-time buyers
Until 31 March 2025, first-time buyers benefit from a stamp duty (SDLT) discount, paying no SDLT on properties up to £425,000 and 5% on the portion from £425,001 to £625,000.** However, if the property price exceeds £625,000, the relief does not apply, and standard rates are used. From 1 April 2025, the discount threshold will be reduced, with no SDLT on properties up to £300,000 and 5% on the portion from £300,001 to £500,000.** If the price exceeds £500,000, buyers must follow the standard stamp duty rules applicable to those purchasing a home for the second time or beyond.**
Maximise your home’s value
With demand high and prices rising, now is a great time to assess your property’s true worth. A professional valuation could reveal a larger-than-expected increase in your home’s value, putting you in a stronger position when selling and helping to counteract stamp duty costs. Making the most of your home’s value can often be about the little things as well as staging and presenting it professionally.
Market momentum is building
As we move further into the year, market confidence continues to grow. Lower mortgage rates, high demand, and rising home values are all contributing to a buoyant property landscape. Whether you're looking to upsize, downsize, or relocate, conditions remain favourable for making your next move.
The power of good negotiation
A well-negotiated offer can make all the difference when securing your next home, and having an experienced agent by your side can help you achieve the best outcome. A good agent will understand market conditions, assess the seller’s position, and guide you on making a strong yet strategic offer. Whether it’s negotiating on price, securing favourable terms, or ensuring you stand out in a competitive market, expert advice can put you in the best position to succeed.

Contact us today for a free valuation and expert advice 
Rightmove*
GOV.UK**
 



Five good reasons for moving in February 2025

This February signals fresh beginnings and for home movers this presents an excellent opportunity to take action. Whether you're looking to sell your current property or find your dream home, market conditions this month offer several advantages. From strong buyer activity to better mortgage deals, here’s why moving now could work in your favour.
1. Buyer demand is growing
A wave of confidence is sweeping the property market, with more buyers actively searching for homes. The number of agreed sales has risen by 11% year-on-year,* showing that people are ready to commit to purchases. If you're selling, this means a higher chance of securing a motivated buyer quickly. For those looking to buy, the market is moving, so waiting too long could mean missing out on the right property.
2. More homes are entering the market 
If you've struggled to find the right home in the past, things are looking up. The number of new properties coming to market has increased by 11% compared to this time last year.* This surge in listings gives buyers a wider choice, making it easier to find a property that fits their needs. For sellers, it’s a sign of growing confidence, listing your home now means tapping into a pool of serious buyers while competition is still manageable. 
3. Mortgage deals are more attractive
After a period of uncertainty, lenders are offering better mortgage rates to encourage more movement in the market. Lower borrowing costs make buying more affordable, and for those looking to remortgage, it’s an opportunity to secure a better deal. Buyers who act now can benefit from these improved rates before any potential changes later in the year.
4. Energy-efficient homes are in demand
With energy prices still a key concern, buyers are paying close attention to Energy Performance Certificates (EPC ratings) and energy-saving features. Homes with modern insulation, solar panels, or efficient heating systems are attracting more interest and could sell for a premium. Sellers making small upgrades, such as installing smart thermostats or improving insulation, could increase their property's appeal to energy-conscious buyers.
5. Moving before the spring rush has its benefits
Spring is traditionally the busiest time of year for the property market, with a surge of buyers and sellers entering at the same time. While this increased activity brings more opportunities, it also means more competition. Starting your move in February allows buyers and sellers to get ahead of the rush, securing deals with less pressure. Those who move early may also find that transactions complete faster, avoiding potential delays later in the season.
 
Thinking of moving? Book a free valuation today and start your journey with expert guidance 
Rightmove*