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FREE APRIL 2021 Find properties for sale, expert advice and the latest interior trends inside
THE ART OF KITCHEN
EDINBURGH SHOWROOMS
117 Dundas Street
New Town, EH3 5EF
0131 523 0477
Martin & Frost
4 Whitehill Rd
Fort Kinnaird, EH15 3HR
0131 337 3434
Aberdeen | Broxburn | Edinburgh
Glasgow | Tillicoultry
UK KITCHEN SHOWROOM OF THE YEAR 2020 www.kitchensinternational.co.uk
EDITOR’S LETTER
WELCOME CONTENTS
The warmer, sunnier days recently have 2021 marks 50 years since ESPC was formed 6 EXPERT ADVICE
undoubtedly encouraged many of you to and we’re celebrating with a series of articles COVID-19 and house moves in Scotland
spend a bit more time outside in your garden. looking at how both ESPC and the property
If you’re hoping to spruce your outdoor space market has changed in that time. For our latest 10 FEATURE PROPERTY
up a bit before summer, we select some of the one, we spoke to Leslie Deans, who has been A historic home in the Old Town
top gardening products available right now in a practising solicitor for much of the time that
this issue. ESPC has existed, to get his perspective on why 16 PROPERTY MARKET UPDATE
ESPC has remained an important feature of the Our March House Price Report
The experts at Kitchens International provide local property market for five decades.
20 EXPERT ADVICE
their top tips on planning a new kitchen and How to make the most of house viewings
why it’s important to consult a designer at an For this edition, we turn the spotlight on central
early stage. Edinburgh and look at why people love living 22 ESPC NEWS
in the Scottish capital, including the amazing 50 years of ESPC through the eyes of a
If you are a tenant and thinking about moving to history and fantastic choice of properties. solicitor
a new rental property soon, Nicky Lloyd, Head
of ESPC Lettings, explains why it’s important As always, there is a lovely selection of homes 24 AREA FOCUS
to read your tenancy agreement carefully. advertised in this magazine – just keep an eye Why people love living in central Edinburgh
For homeowners, David Lauder from ESPC out for the dark blue ESPC Property sticker
Mortgages highlights why the overpayment at the top. There are also thousands more 30 MARKET NEWS
95% mortgage guarantee scheme
facility available on most mortgages can be a properties to browse at espc.com
useful tool.
Speaking of mortgages, first time buyers may Happy reading.
have been pleased to hear about the launch 34 GLORIOUS GARDENING
Claire Flynn Get stuck into gardening this spring and
of a 95% mortgage guarantee scheme in the
Editor summer with these great products
UK Budget in March. We explain what you
need to know about this scheme and how it
could help you purchase a home with just a 38 INTERIORS
5% deposit. How to plan the perfect kitchen
45 FEATURE PROPERTY
A modern home in Musselburgh
50 SEARCHING FOR HOMES WITH ESPC
The number of properties on ESPC
COVER IMAGE: Garden pots, Dobbies All material published in ESPC magazine is copyright
ESPC (UK) Ltd: 107 George Street, Edinburgh, EH2 3ES of the publisher and cannot be reproduced without
permission. All advertisements and articles appearing 52 MORTGAGE ADVICE
TEL: 0131 624 8000
in this publication are as far as possible checked for Overpaying a mortgage: what you need
EDITORIAL: Claire Flynn accuracy, but persons accepting or offering to accept
ADVERTISING: Claire Boulton (07498 876315) goods or services contained in any advertisement or
to know
Moyra Vivian (07498 876330) article do so at their own risk.
EMAIL: espcmagazine@espc.com 58 ESPC LETTINGS
DESIGN: Melissa Meikle ©ESPC 2021 Why tenancy agreements are important
4 ESPC.COM ESPC.COM 5
EXPERT ADVICE
FO R T H E
ULT I MAT E C I T Y L I F E ST Y L E
I T HAS TO B E CA L A
Computer Generated Image - Raised communal garden at Waterfront Plaza, Leith
COVID-19 AND HOUSE MOVES IN
SCOTLAND ENVIABLE LOCATION
A reminder of the Scottish Government guidance on house moves and COVID-19 ON THE SHORE
At the time of writing, the stay-at-home households, regular hand washing and cleaning
requirement has been lifted but mainland of your property. The Scottish Government also
Scotland remains under level four advises wearing a face covering.
restrictions. SPACIOUS
Your agent can provide more information on RESIDENTS’ GARDENS
The Scottish Government states: “People can this and you can also find out more about the
move home in all protection levels, and to current guidance at espc.com/covid19
and from areas with different levels. Whilst
you can carry out activities in connection with The Scottish Government has also advised that
moving home (including viewing a property) you should do as much of the process online as BALCONIES AVAILABLE
or activities in connection with the essential possible. They have emphasised that viewings
maintenance, purchase, sale, letting, or rental should be done virtually where possible, and
of residential property that the person owns you should only progress to a physical viewing If you are dreaming of the ultimate city lifestyle; with CALA you need imagine no more.
or is otherwise responsible for, at this time it if necessary and you have a serious interest in Wake up every day to spacious contemporary interiors, with high specification throughout offering both
is advisable to postpone, if possible.” making an offer on the property. the very best in sophisticated style and modern convenience.
This means house moves and related Many agents are able to offer virtual TAILORED INCENTIVES AVAILABLE*
activities, including property viewings, are valuations at present also – you should speak
permitted, but the Scottish Government has to the agent to find out what they can offer.
said it is advisable to postpone if possible.
2 & 3 bedroom apartments from £298,000-£464,950
Please note that the above article refers 4 bedroom townhouses from £520,000
If you need to move house, go to or host a to the guidance at the time of writing –
property viewing or have businesses visit your the guidance on house moves may have WATERFRONT PLAZA, OCEAN DRIVE,
home to value or photograph it, it’s important changed by the time of publication. You THE SHORE, LEITH, EDINBURGH EH6 6JJJ
to follow the necessary Scottish Government should contact a solicitor estate agent or 0131 516 9503 | CALA.CO.UK
guidance on staying safe while moving home, head to espc.com/covid19 to find out up to
which includes social distancing from other date information. ESPC_16_APR21 *Our range of incentives are not all available in one purchase, they represent a choice of incentives and cannot be used in conjunction with each other
and are available on selected plots only. Prices are accurate at the time of going to print. Images shown are taken from showhome at Waterfront Plaza and feature,
fittings, décor, flooring and soft furnishings which are not included as standard in a CALA home. Images are used to suggest possible finishes that can be achieved in
your home at an additional cost. Please consult a CALA representative for further details. Some images have been enhanced. Telephone calls within the British Isles
6 ESPC.COM
awarded for customers’ willingness to ‘Recommend to a Friend’ in findings of the survey undertaken by the Home Builders Federation 2019/20.
ESPC.COM
will be charged at local rate. Telephone calls may divert to a mobile service in which case call charges may vary. Calls may be recorded for training purposes. 5 stars 7
FAIRVIEW, NENTHORN, 3 ANDERSON FAIRWAY, NORTH BERWICK,
FAIRVIEW, NENTHORN, 3 ANDERSON FAIRWAY, NORTH BERWICK,
KELSO, TD5 7RY EAST LOTHIAN, EH39 5GX
KELSO, TD5 7RY EAST LOTHIAN, EH39 5GX
OFFERS OVER £625,000 5 2 3 E OFFERS OVER £520,000 4 2 2 B
OFFERS OVER £625,000 5 2 3 E OFFERS OVER £520,000 4 2 2 B
ESPC PROPERTY ESPC PROPERTY
A welcoming family home with charm, character and stunning features blending seamlessly Extremely well presented 4 bedroom detached house with south facing rear
Awith contemporary
welcoming styled
family home withelements, Fairview
charm, character andcaters ably
stunning for modern
features tastes and
blending seamlessly garden. Living
Extremely room,
well kitchen/dining
presented room,
4 bedroom family room,
detached houseutility
with&south
cloakroom/WC.
facing rear
requirements.
with contemporaryWith astyled
peaceful locationFairview
elements, and glorious
caters surrounding gardens, tastes
ably for modern including
anda Master bedroom with walk in wardrobe & en suite, 3 further double bedrooms &
garden. Living room, kitchen/dining room, family room, utility & cloakroom/WC.
wishing well and
requirements. Withwater feature,location
a peaceful completeandwithglorious
sauna and hot tub, this
surrounding foreverincluding
gardens, home is an
a bathroom. GCH, PVwith
Master bedroom panels,
walkalarm & CCTV.& en suite, 3 further double bedrooms &
in wardrobe
enviablewell
wishing find and
for any country
water lifestyle
feature, seeker.
complete with sauna and hot tub, this forever home is an bathroom. GCH, PV panels, alarm & CCTV.
enviable find for any country lifestyle seeker.
VIEWING INFORMATION VIEWING INFORMATION
VIEWING INFORMATION
Contact Hastings Legal & Property tel: 01573 226999 VIEWING
By INFORMATION
appt tel Agent 01620 532654
Contact Hastings Legal & Property tel: 01573 226999 By appt tel Agent 01620 532654
8 ESPC.COM ESPC.COM 9
PROPERTY FEATURE
A HISTORIC HOME IN
THE OLD TOWN
3 Ramsay Garden forms part of a building built in
1760 by portrait painter Allan Ramsay.
10 11
PROPERTY FEATURE
A HISTORIC HOME IN THE OLD TOWN This beautiful three bedroom
duplex apartment forms part of
of the room. Double doors lead to
the spacious dining kitchen, with an
a historic building in the heart of array of appliances. There is also a
the Old Town of Edinburgh. The shower room on this level, with a
building was built by Allan Ramsay, walk-in shower, WC and wash hand
the portrait painter, and developed basin.
between 1890 and 1893 into its
current format by urban planner Ramsay Garden is set on Castle
Patrick Geddes as part of the Old Hill in the heart of Edinburgh’s Old
Town urban renewal project. Town, just off the Royal Mile. It is
surrounded by a number of historic
The property occupies an buildings, including Edinburgh
enviable position amidst stunning Castle and St Giles’ Cathedral,
landscaped private gardens with a while Holyrood Palace is not too
backdrop of the iconic Edinburgh far away.
Castle. The views over Princes
Street Gardens and the New Town The Old Town is also home to
to Fife are particularly impressive. a number of excellent shops,
restaurants, cafes and bars, while
It might form part of an 18th the amenities of Princes Street and
century building, but this duplex George Street are just a short walk
flat has been tastefully modernised away. Plus, the green spaces of
and features bright and airy rooms. Princes Street Gardens, Holyrood
It is excellently presented to the Park and The Meadows are easily
market and in move-in condition. accessible.
On the ground floor of the
property, there is a welcoming
reception hall which provides
access to all the main bedrooms.
All of the bedrooms boast
wonderful views. The ground floor
level also has a bathroom with a
white three-piece suite.
The upper level features the
elegant drawing room with
a beautiful bay window and
uninterrupted views over Princes
Street and beyond. A living flame
gas fire is set in the traditional
fireplace, acting as the focal point
3 RAMSAY GARDEN, OLD TOWN, EH1 2NA EPC
RATING
OFFERS Over £750,000
2 3 2 D
CONTACT: Call Sturrock Armstrong & Thomson on 0131 253 2726
THE PROPERTY MARKET
Linlithgow Loch
HOUSE PRICE REPORT MARCH 2021
Over the past three months, the volume of property sales rose significantly compared to last year.
KEY POINTS The first three months of 2021 saw the
volume of property sales in Edinburgh,
the Lothians, Fife and the Borders rise by
55.7% compared to the previous year. This
£259,013
reflects how busy the market was in the
second half of 2020.
average
selling price The LBTT holiday coming to an end
on 31st March may also have had an
impact, as buyers and solicitors looked to
The first three months of 2021 saw the complete purchases before that date to
average property selling price in Edinburgh, take advantage of the saving. Homes in East Fife saw prices rise by 14.8% selling time was 28 days, five days slower
the Lothians, Fife and the Borders rise by compared to the previous year, while than last year.
7.5% year-on-year to £259,013. Over the past three months, the number of properties in the Borders experienced a
new homes coming to market is very similar 13.9% increase in average selling price. Properties in West Lothian saw the median
to last year, up by just 0.1%. In Edinburgh, Houses and flats in West Fife and Kinross selling time drop by 17 days year-on-year,
there was a larger increase of 6.4%. saw prices rise by 7.2% compared the while homes in West Fife and Kinross and the
26 days This increase in homes coming to market
previous year, and the average selling price
in Dunfermline was up 12%.
Borders experienced a two week decrease in
median selling time compared to last year.
is concentrated in March – there was
median selling
a year-on-year decline in January and In East Lothian and Midlothian, the average Paul Hilton, CEO of ESPC, said: “There has
time February. This may be due to increased property selling price was up 6.3% and been a real spike in property sales over the
confidence from sellers as lockdown 11% respectively. However, homes in West past three months compared to last year.
restrictions are eased in Scotland, Lothian experienced an 8.6% decrease in This is to be expected given how busy the
During this period in these areas, the encouraging them to put their home on price year-on-year. This is due to a greater market was at the end of 2020, but the LBTT
median selling time was 26 days, one day the market. proportion of lower value homes coming to holiday coming to an end in March may also
faster than last year. market this year. have contributed to increased sales.
There were also fewer homes than usual
put on the market towards the end of last In Edinburgh, the average property selling “We are starting to see evidence of more
55.7% March due to lockdown restrictions, which
will be a factor in the increase. However,
price over the past three months was
£274,972, up 5.5% compared to the previous
homes coming to market, after declines in
January and February. This could be due
increase in the total volume of new listings in March year. Edinburgh South experienced the to increasing confidence from sellers as
property sales 2021 is slightly up compared to March greatest growth in selling price in the city, lockdown restrictions ease and pupils return
2019. rising by 11.7% year-on-year. to school.
From January to March 2021, the average Across Edinburgh, the Lothians, Fife and “With the reopening of the First Home Fund
In Edinburgh, the Lothians, Fife and the property selling price in Edinburgh, the Borders during the first quarter of 2021, and launch of the 95% mortgage guarantee
Borders, the volume of property sales the Lothians, Fife and the Borders was the median time for a property to be placed scheme, it is likely buyer demand will remain
from January to March was up 55.7% £259,013, up 7.5% compared to the under offer was 26 days, one day faster strong in the upcoming months.”
compared to last year. previous year. than last year. In Edinburgh, the median
16 ESPC.COM ESPC.COM 17
2 NORTH COTTAGE, SOUTHFIELD, LONGNIDDRY, 7/2 SOUTH CHARLOTTE STREET,
2 NORTH COTTAGE, SOUTHFIELD, LONGNIDDRY, 7/2 SOUTH CHARLOTTE STREET,
EAST LOTHIAN, EH32 0PL NEW TOWN, EH2 4AN
EAST LOTHIAN, EH32 0PL NEW TOWN, EH2 4AN
OFFERS OVER £515,000 4 2 2 E
OFFERS OVER £475,000 2 1 2 C
OFFERS OVER £515,000 4 2 2 E OFFERS OVER £475,000 2 1 2 C
ESPC PROPERTY ESPC PROPERTY
Charming 4 bedroom semi detached cottage with stunning sea views &
cottage style gardens. Living/dining/kitchen, kitchen, conservatory, master Boasting fine period features, this generously proportioned second floor flat forms part
Charming 4 bedroom semi detached cottage with stunning sea views & Boasting fine period features, this generously proportioned second floor flat forms part
of a listed buikding in Edinburgh's prestigious New Town. The spacious and flexible
bedroom with en suite shower room, 3 further double bedrooms, landing
cottage style gardens. Living/dining/kitchen, kitchen, conservatory, master of a listed buikding in Edinburgh's prestigious New Town. The spacious and flexible
with study with
area en
& family accommodation is accessed via a well-maintained communal stair with secure entry phone
bedroom suite bathroom. Garage
shower room, & driveway.
3 further doubleOCH.
bedrooms, landing accommodation is accessed via a well-maintained communal stair with secure entry phone
system. The front door opens to a welcoming central hallway with useful storage cupboards,
with study area & family bathroom. Garage & driveway. OCH. system. The front door opens to a welcoming central hallway with useful storage cupboards,
the delightful twin windowed sitting room offers an ideal space for relaxing and entertaining,
the delightful twin windowed sitting room offers an ideal space for relaxing and entertaining,
there is a generous dining kitchen, two large double bedrooms and a luxurious 4 piece
there is a generous dining kitchen, two large double bedrooms and a luxurious 4 piece
bathroom with separate walk-in shower. Permit parking available.
VIEWING INFORMATION bathroom with separate walk-in shower. Permit parking available.
VIEWING INFORMATION
VIEWING
By INFORMATION
appt tel Agent 01620 532654 VIEWING INFORMATION
01316671900 mail@deansproperties.co.uk
By appt tel Agent 01620 532654 01316671900 mail@deansproperties.co.uk
18 ESPC.COM ESPC.COM 19EXPERT ADVICE
HOW TO MAKE THE MOST OF HOUSE
VIEWINGS
Michael Maloco, Senior Partner at Maloco + Associates, offers advice on how to make the
most from viewings when you are selling your home.
You’ve got this! You’ve hoovered and dusted, your viewers to do is to have another look
cleaned, decluttered and accessorised. Your around the house alone. This will give them
viewers are booked. You’ve rehearsed what the chance to talk to one another in private,
to say and what not to say, what to “big-up” and ask their partner... “What do you think?”
and what to play down. This is no time to fluff
your lines. But just how do you get the best Instead, go back into the best room
results from your viewings? downstairs, and ask: “Would you like to
look around again by yourselves?” Very few
The answer is to plan the viewing in people will refuse this offer, and you could
advance. First things first, you should read add “I’ll be waiting in the kitchen when you’re
up on the Scottish Government guidance done but don’t hurry” so they know they can
on house viewings during COVID-19 – your take their time.
selling agent can advise you on this as well.
If you are conducting the viewing rather Remember, give your viewers time and space
than your agent, you will need to ensure to fall in love with your home, just as you
you and the viewers adhere to the relevant once did, and it could be job done.
social distancing and hygiene guidance to
keep everyone safe. Find out more about Maloco + Associates
at maloco.co.uk or call the team on
The Scottish Government is also advising 01383 629720.
people to view properties virtually in the first
instance, so you should speak to your agent
about providing virtual viewings.
Next, decide where in your house you want
to start the viewing. I’d always advise the
best downstairs room to create the best
first impression. No1 GORGIE ROAD APARTMENTS DUPLEXES TOWNHOUSES LODGE HOUSES
Upstairs, it’s sometimes a good idea to show
the bedrooms in reverse order, so not only
does the master bedroom feel bigger by
comparison, but you also end the guided
house tour on a high note.
SHOWHOM E NOW OPEN
Prices start from £230,000
Then take them out into the garden but
come back in the same door you went out www.amahomes.co.uk/springwell-house
of. Don’t end the appointment outside in the
garden as many do. What you really want For further information contact Behnam Afshar on 07967 322025 or behnama@amanewtown.co.uk
20 ESPC.COMESPC NEWS
“A MUCH-LOVED INSTITUTION” ESPC is a much-loved
institution on the local property
– 50 YEARS OF ESPC THROUGH THE scene – the public think that,
EYES OF A SOLICITOR
solicitors think that, and other
professionals think that.
Leslie Deans, founder of Deans Properties, has been a practising solicitor for much of the time Leslie Deans, Founder,
that ESPC has existed. He offers his thoughts on why ESPC has remained so popular through the Deans Properties
years, and discusses some of the major changes at the property marketing company over the past
half-century.
“I graduated in 1972, a year after ESPC was Looking back to the early seventies, the “You could also get so much information Fast forward to the present day and the
formed, and joined a firm where one of the property and law sectors were very different under one roof – there was no other building property sector has experienced significant
partners was the Chairman of ESPC. I have to how they are now. Leslie commented that in Edinburgh where you could see so many change and upheaval due to the Coronavirus
therefore been involved in ESPC all of my when he first became a solicitor, it was “a properties. And as the years went by, more COVID-19 pandemic. However, Leslie believes
professional life,” Leslie said. different era”. services were developed for the public including the value of ESPC agents continues to remain
‘Ask the Experts’ where people could sit down strong.
He is positive about the impact of ESPC on When ESPC formed back in 1971, Leslie says with a solicitor in a relaxed environment, and it
the local property market, saying: “ESPC is the organisation became popular from the wouldn’t cost them any money.” “The last year has been a learning process for
a tremendous tool for all concerned. I pay outset. But what made it so popular? all of us. However, the professionalism of all
tribute to those who founded ESPC all those Leslie also believes that the fact ESPC is organisations involved in the safe reopening
years ago when it moved forward under the Leslie said: “It was a lot of things, but one made up of mainly small, local solicitor of the property market last June, such as
very able chairmanship of Tom Drysdale. that stood out was that someone could go estate agents is an appealing factor to the ESPC and property solicitors, has helped
into the ESPC Information Centre and not general public. ensure that the property market has been
“ESPC is a much-loved institution on the be immediately subject to the hard sell or able to continue functioning. The important
local property scene – the public think that, people pushing them to look at properties. Of course, there have been many changes at thing is we’ve managed to keep going.”
solicitors think that, and other professionals They wanted information and could get ESPC over the past 50 years – but which of
think that.” advice on their terms at ESPC. those stands out the most to Leslie? ESPC has changed much over the past 50
years, but in the eyes of Leslie it remains
“I remember the paper starting. It was a much-loved institution by solicitors and
important to have a publication that the public. “Here’s to the next 50 years!” he
came out on a regular basis that gave you exclaimed.
information and listed properties. ESPC
managed to supply that for the public and
within a short time, the demand from clients
to have their properties listed in it was huge.
It was a fantastic success and remained that
way until the advent of the computer age.
What’s more, the paper was completely
free-of-charge to the public.
“As more people got things online, the
demand for a printed property paper
subsided. However, again, ESPC was
able to adapt and move forward with the
introduction and development of espc.com”
22 23AREA FOCUS
Edinburgh
WHY PEOPLE LOVE LIVING
IN CENTRAL EDINBURGH
The centre of Scotland’s capital is a hugely popular place to live
for a number of reasons…
24 25AREA FOCUS
3. EXCELLENT TRANSPORT LINKS And lastly, Edinburgh’s position on the banks
Edinburgh City Centre offers plenty of bus of the Firth of Forth means those who love
links to transport you to other areas of the the seaside are catered for. Portobello Beach
city or further afield. Plus, there’s the tram and Wardie Bay in Granton provide the
which can take you from the airport to the closest beaches to the centre, but there’s
top of Leith Walk, and is currently being also Cramond, South Queensferry and the
extended down to Newhaven. picturesque beaches of East Lothian and Fife
for those looking to travel a bit further.
The centre of the capital is also home to two
train stations – Waverley and Haymarket. This 5. AN ARRAY OF ACTIVITIES
makes travel to other parts of Scotland and Unfortunately, many activities that we
the UK a breeze. normally enjoy are not currently permitted
due to COVID-19 restrictions. However, with
4. LOTS OF OUTDOOR SPACE lockdown restrictions set to ease over the
For those worried that living in the centre of next few months, it goes without saying that
the city may not be ideal for access to the living in the centre of Edinburgh means there
outdoors, Edinburgh offers the best of both are plenty of things to do.
worlds. Princes Street Gardens, the Meadows
and Inverleith Park provide vast green spaces Central Edinburgh boasts a superb number
Circus Lane to relax on sunny days. of bars and restauraunts, whether you are in
George Street or further out in the likes of
Keen hillwalkers also don’t need to travel too Leith or Newington.
WHY PEOPLE LOVE LIVING IN far with Arthur’s Seat and Calton Hill right in
the centre of town, while Corstorphine Hill There are also theatres, cinemas, comedy
CENTRAL EDINBURGH and Blackford Hill are both just a couple of
miles away. If you prefer more of a challenge,
clubs and gig venues galore, along with a
selection of excellent museums and galleries.
the Pentlands can also be easily accessed by
1. THE AMAZING HISTORY AND are also many more modern developments car or bus. Find your dream home in Edinburgh at
ARCHITECTURE for those who prefer a contemporary home. espc.com
Walking round the Old Town and New Town,
you can’t help but feel every street has If the outdoor space of a home is important
an interesting story to tell. The centre of to you, many of the areas in the centre
Edinburgh is a UNESCO World Heritage site, feature houses and flats with lovely gardens,
and it’s easy to see why. There is a plethora either private or shared.
of historic buildings, with a range of amazing
architectural styles on display.
Even venturing further out of the Old and
Due to the historic nature
New Town, the nearby areas of Morningside, of the city, there are plenty
Stockbridge and Leith all boast fascinating of traditional tenement flats
histories and buildings. and Victorian and Georgian
townhouses or apartments.
2. FANTASTIC CHOICE OF PROPERTY However, there are also many
The centre of Edinburgh has an excellent more modern developments
choice of property – due to the historic nature
for those who prefer a
of the city, there are plenty of traditional
tenement flats and Victorian and Georgian contemporary home. Clockwise from left:
Royal Mile, Inverleith Park, Edinburgh Castle
townhouses or apartments. However, there
26 ESPC.COM ESPC.COM 27FLAT 7, 63 MARCHMONT ROAD, MARCHMONT, HAZELBANK, 16 BARR ROAD,
FLAT 7, 63 MARCHMONT ROAD, MARCHMONT, HAZELBANK, 16 BARR ROAD,
EDINBURGH, EH9 1HT GALASHIELS, TD1 3HX
EDINBURGH, EH9 1HT GALASHIELS, TD1 3HX
OFFERS OVER £425,000 4 4 3 C
OFFERS OVER £470,000 2 2 1 C
OFFERS OVER £470,000 2 2 1 C OFFERS OVER £425,000 4 4 3 C
ESPC PROPERTY ESPC PROPERTY
An impressive, contemporary, duplex apartment forming part of a stone built converted Nestled among mature sheltering greenery, Hazelbank sits proudly on Barr road - a quiet and
An impressive, contemporary, duplex apartment forming part of a stone built converted
school. Accessed via a secure and well-maintained communal stair and offering light and leafy suburb off the mainsheltering
thoroughfare of theHazelbank
town. Thissits
striking property boasts
school. Accessed via a secure and well-maintained communal stair and offering light and Nestled among mature greenery, proudly on Barr road -welcoming
a quiet and
airy accommodation over the first and second floors comprising: hall, stunning dual aspect family friendlyoffaccommodation, a well of
established and striking
generous garden with welcoming
excellent
airy accommodation over the first and second floors comprising: hall, stunning dual aspect leafy suburb the main thoroughfare the town. This property boasts
open plan living/dining kitchen with vast ceiling height and cathedral style windows, master privacy and attractive frontage complete with turret!
open plan living/dining kitchen with vast ceiling height and cathedral style windows, master family friendly accommodation, a well established and generous garden with excellent
bedroom with built-in wardrobe & en-suite shower room, generous second dbl bedroom with
bedroom with built-in wardrobe & en-suite shower room, generous second dbl bedroom with privacy and attractive frontage complete with turret!
built in wardrobe & bathroom with white suite. Allocated Parking Space. DG & GCH.
built in wardrobe & bathroom with white suite. Allocated Parking Space. DG & GCH.
VIEWING INFORMATION
VIEWING INFORMATION
VIEWING INFORMATION VIEWING
Contact INFORMATION
Hastings Legal & Property tel: 01750 724160
By apt tel Selling Sols on 0131 667 1900 or email
By apt tel Selling Sols on 0131 667 1900 or email Contact Hastings Legal & Property tel: 01750 724160
mail@deansproperties.co.uk
mail@deansproperties.co.uk
28 ESPC.COM ESPC.COM 29MARKET NEWS
However, lenders will also take a five per cent • Be taken out by individuals rather than a
share of net losses above this 80% threshold. company
This is to help make sure that lenders don’t
• Be on a property in the UK with a purchase
offer poor quality loans.
value of £600,000 or less
HOW LONG WILL THE MORTGAGE • Have a loan-to-value of between 91%
GUARANTEE LAST FOR? and 95%
The guarantee will be valid for up to seven • Start between the dates specified by the
years after the mortgage starts. According scheme
to the UK Government, evidence shows that
loans are unlikely to default after this time. • Be a repayment mortgage and not
interest-only
The borrower would normally have also paid • Meet the standard requirements in terms
enough of the mortgage off by this stage so of the assessment of the borrower’s ability
their equity stake would be closer to 20%. to repay the mortgage (for example, credit
score and loan-to-income).
CAN I GET A 95% MORTGAGE USING THE
GUARANTEE SCHEME? HOW MANY LENDERS ARE TAKING PART
According to the government, the scheme is IN THE SCHEME?
“designed to help creditworthy households When the scheme was officially announced, it
struggling to save for the higher mortgage was said that several of the main high street
deposits” currently required by many lenders. lenders plan to take part.
If that describes your situation, then the
scheme may work for you. There will likely be more lenders joining the
95% MORTGAGE GUARANTEE SCHEME However, there are certain criteria that
scheme as time goes on, so it’s best to speak
to an independent mortgage adviser who can
How this new initiative could help you buy a house with a 5% deposit. must be met. In order to be eligible for this look at lots of different options from a wide
scheme, a mortgage will need to: range of lenders to find the most suitable
On Wednesday 3rd March 2021, the UK HOW DOES THE MORTGAGE GUARANTEE mortgage deal for you.
Chancellor of the Exchequer announced a SCHEME WORK? • Be a residential mortgage (not available for
new UK-wide mortgage guarantee scheme, The scheme is based on an initiative second-homes or buy-to-lets) (continued on p32)
designed to help buyers get on the property launched back in 2013 and aims to quickly
ladder with just a 5% deposit. enable lenders to start offering 91 – 95%
mortgages.
Before the Coronavirus pandemic, 95%
mortgages were relatively commonplace, but The government will provide mortgage
due to the impact of COVID-19, mortgage lenders with the option to purchase a
lenders raised the minimum level of deposit guarantee on the top-slice of the mortgage.
and stopped offering these. Some more
lenders are starting to offer 90% mortgages, This means the government will compensate
however. the lender for a portion of the net losses
suffered if the property is repossessed due
The UK Government’s mortgage guarantee to the owner no longer being able to pay
scheme aims to bring 5% deposit mortgages off their mortgage. The guarantee will apply
back to the marketplace. Here’s everything down to 80% of the purchase value of the
we know about the scheme. guaranteed property.
30 ESPC.COM ESPC.COM 31MARKET NEWS
IS THERE A LIMIT ON PROPERTY PRICE? However, you should consult with an
Yes, the scheme can only be used on UK independent mortgage adviser to discuss the
properties with a purchase price of £600,000 options available to you from lenders.
or less.
CAN THE MORTGAGE GUARANTEE
It’s important to remember that in Scotland, SCHEME BE USED FOR BUY-TO-LETS OR
lenders only lend up to the purchase price or SECOND HOMES?
Home Report valuation, whichever is lower. No, the UK Government has said the
scheme will only be available on residential
If you therefore choose to bid over the mortgages and can’t be used on buy-to-lets A RANGE OF
valuation, then you will need to budget for or second homes.
this in addition to your 5% deposit.
3 BEDROOM
WILL THE MORTGAGE GUARANTEE HOMES
I’M NOT A FIRST TIME BUYER, CAN I USE SCHEME BE AVAILABLE IN SCOTLAND?
THE MORTGAGE GUARANTEE SCHEME TO Yes, the scheme is UK-wide so will be
AVAILABLE TO
GET A 95% MORTGAGE? available for properties in Scotland. RESERVE NOW
The eligibility set out by the government Image includes optional upgrades at additional cost
does not specify that you must be a first time HOW DO I APPLY FOR THE MORTGAGE
buyer, so this scheme may be available to GUARANTEE SCHEME?
home movers also. If you are thinking of applying for one of AFFORDABLE HOUSING AVAILABLE IN EDINBURGH
these 95% mortgages with the guarantee
scheme, you should consider speaking to AS PART OF THE CITY OF EDINBURGH COUNCIL’S GOLDEN SHARE SCHEME
an independent mortgage adviser. They can
look at a variety of products from different A number of properties at Barratt @ Heritage Grange and The Strand
lenders to help you find the most suitable
@ Portobello are ‘Golden Share’ homes, meaning that the for sale price
mortgage deal.
is capped at an affordable level – you will own 100% of the property
but the price is capped at 80% of market value on first sale and all
ESPC Mortgages is a team of Edinburgh-
based independent mortgage advisers with subsequent re-sales.
a wealth of experience. Get in touch on
fsenquiries@espc.com or 0131 253 2920. You For more information, visit www.barratthomes.co.uk/offers/golden-share
can also visit espc.com/mortgages
Barratt @ Heritage Grange, Frogston Road East, Edinburgh EH17 8AB
The Strand @ Portobello, Fishwives Causeway, Edinburgh EH15 1DF
The information contained in this article is provided in good
faith. Whilst every care has been taken in the preparation of Sales Centres are open: Monday 12.30pm to 5.30pm and Tuesday to Sunday 10am to 5.30pm
the information, no responsibility is accepted for any errors
which, despite our precautions, it may contain. Prices from £200,000
The initial consultation with an adviser is free and without
obligation. Thereafter, ESPC Mortgages charges for
mortgage advice are usually £350 (£295 for first-time barratthomes.co.uk
buyers). YOUR HOME MAY BE REPOSSESSED IF YOU
DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR
OTHER LOANS SECURED AGAINST IT.
0333 355 8460
ESPC (UK) Ltd is an Appointed Representative of Lyncombe Offer available on selected plots only. Terms and conditions apply. See website for details, subject to contract and status. Prices correct at time of publishing if
Consultants Ltd which is authorised and regulated by the mentioned. Images include optional upgrades at additional cost. Following withdrawal or termination of any offer, we reserve the right to extend, reintroduce or
amend any such offer as we see fit at any time. Barratt Homes is a brand of BDW TRADING LIMITED (Company Number 03018173), a company registered in England
Financial Conduct Authority. whose registered office is at Barratt House, Cartwright Way, Forest Business Park, Bardon Hill, Coalville, Leicestershire LE67 1UF, VAT number GB633481836. Calls
to 03 numbers are charged at the same rate as dialling an 01 or 02 number. If your fixed line or mobile service has inclusive minutes to 01/02 numbers, then calls
to 03 are counted as part of this inclusive call volume. Non-BT customers and mobile phone users should contact their service providers for information about the
cost of calls. These properties are available to those who meet the affordability criteria for the City of Edinburgh Council’s Golden Share scheme. Ask our Sales
32 ESPC.COM Adviser for full Ts&Cs.INTERIORS
GLORIOUS
GARDENING
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gardening this spring
and summer with
these great products.
1.5L Watering Can in Carbon, British Meadow Gardening
Garden Trading, £22, Gloves, Annabel James,
gardentrading.co.uk £14.95, annabeljames.co.uk
Various gardening products, Poundland, prices start from £1, poundland.co.uk
Gardening tools, Annabel Bohemia Half Moon Forage Personalised Luxe Copper
James, prices vary, Basket, Bohemia Design Ltd, Trowel And Fork Set,
annabeljames.co.uk £34, bohemiadesign.co.uk Treat Republic, £45.99,
treatrepublic.com Garden pots, Dobbies, prices vary, dobbies.com
34 ESPC.COM ESPC.COM 35113/4 BRUNTSFIELD PLACE,
EDINBURGH, EH10 4EQ
FIXED PRICE £330,000 2 1 1 C
ESPC PROPERTY
FREE HOME
VALUATION
How much is your home worth?
Get more with an ESPC agent
Trusted local experts
££
Enjoying understated, minimalist décor, lovely period features and modern touches, this two-
bed, second floor forms part of a Victorian tenement in sought-after Bruntsfield. The flat
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enjoys a shared garden and zoned parking permit parking is available.
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VIEWING INFORMATION • 5 Star reviews on Google and Facebook
Tel VMH 0131 253 2964 GET A QUOTE by calling 0131 449 9275
or visit anderson-transport.co.uk/junk-removals
36 ESPC.COM ESPC.COM 37INTERIORS
HOW TO PLAN THE PERFECT KITCHEN When planning your new kitchen, it’s very
important to not rush the planning and
The experts at Kitchens International provide a list of handy tips and advice on how to ensure design phase. Every extra hour spent getting
your kitchen is perfect for you. all the details right will ensure a smooth and
successful refurbishment. Here are some
useful tips on kitchen design and planning.
1. DESIGN BRIEF
Although it’s easy to rush into choosing
cabinetry and appliances, the most important
part of the process is the design brief. The
kitchen designer will get to know all your
wishes and how you, and your family, plan
to use the space. Research websites, social
media and magazines, and come armed with
what style you like.
organic shaped islands work well where you
Although ideally this is done in the home, want to soften curves and make it more
it can now also be done just as effectively pleasing to the eye.
online. This is not about the detail but about
the bigger picture, because without the If possible, incorporate a dining space, such
canvas onto which the design can be placed, as a breakfast bar, as the island will become
the kitchen won’t work as a room. the focus of the room. Housing the hob and/
or a sink on the island will also make it a
2. STORAGE IS KING more sociable space.
Kitchen storage is one of the hottest topics
in kitchen design with a plethora of great 4. WORKING OUT THE WORKTOP
options to ensure everything has its place. Before choosing a worktop, decide
what it will be used for and whether it is
Opt for long drawers rather than cupboards food preparation, dining, plating up or a
as they can house more and offer access combination. From ultra slim 10mm tops to
more efficiently. If you have space, choose a chunkier 200mm thick tops, there is a huge
large larder with drawers, wire baskets and variety on offer but be mindful of the finished
in-built power and light for easier use. height of the kitchen worktop and how it
ergonomically suits your requirements.
For those awkward corners, look at Le Mans
or corner drawers. Never underestimate Consider if the top will adopt a discerning role
the benefits of special storage solutions in in the design, complementing the furniture,
drawers for spice racks, knives, plates and or whether the worktop will be a statement
every item of kitchen paraphernalia. within the kitchen design. Engineered stone
offers durability and a huge choice in colours
3. ISLANDS TO THE FORE and finishes while natural materials such
The island is the connection between the as granite, marble or wood offer a more
cooking areas and the rest of the room or traditional look.
home so the design must be sympathetic
with the whole room design. Curved or (continued on p40)
38 ESPC.COM ESPC.COM 39INTERIORS
7. LIGHTING UP THE ROOM
Lighting will almost always be
zoned or layered as cooking and
preparation areas should be well
illuminated whereas dining and
living areas may contain more
mood lighting. Consider mood
lighting around the base of units
to provide a softer glow. Use
natural light wherever possible
as it cannot be compensated for
by artificial light.
8. BINNING IT
Carefully consider the ergonomics of the
bin/waste/sink and dishwasher systems.
The location, layout and type of refuse bins,
5. CHOOSING THE CABINETS hob with a flexible zone allowing you to cook including all recycling receptacles, sinks
Consider the texture and colour as well as the with larger accessories such as a griddle or and dishwasher, is one of the key elements
detail or simplicity of cabinet fronts. As a rule Teppan Yaki. Induction hobs provide better in a kitchen in terms of how they are used
of thumb, framed doors generally look better flexibility and ease of use than any other type, and who uses them. Getting this right at the
in a wider and taller format. If the door is too as well as being the most energy efficient. design stage to suit your family will reap
small, by the time you add the framed detail dividends and make everyday life much easier
there is very little space left in the centre With fridges providing a multitude of in the long term.
panel, and in such cases a flat panelled functions, including zoned sections, as
cabinet door would look better. well as water and ice dispensing, make And finally, the kitchen designer should be
sure the fridge is located conveniently to involved from a very early stage, whether
Use bold colours as an accent rather than accommodate all these requirements. If this is a new build or refurbishment, to get
for the whole kitchen, as it is easy for colour space (and budget) allows, then consider the best possible kitchen design. For a more
to go out of fashion. Greys, beiges and warm having a second smaller fridge located close aesthetically-pleasing and functional kitchen,
tones are very “in” and will ensure longevity to the cooking area. And in your drinks area, a choose your kitchen designer at the same
of the design. Try including some display dedicated fridge is a much desired addition. time as your architect.
units – either glass fronted or open shelves –
as these provide excellent displays for stylish A boiling water tap remains the most desired Considering every aspect and functionality
crockery or ornaments. kitchen item and has the added bonus of of your new kitchen will ensure that it is a
being energy and space efficient. Consider delight to work in, be in and socialise in every
6. KITCHEN APPLIANCES hiding many functional appliances, such as day of the year.
The choice and range of appliances is huge laundry machines, behind pocket doors as
but consider carefully how and when they will this will give a tidier and sleeker style. Find out more about Kitchens International at
be used. For flexibility, opt for an induction kitchensinternational.co.uk
40 ESPC.COM ESPC.COM 4165 HIGH STREET,
202/5 MORNINGSIDE ROAD, 65 HIGH STREET,
COLDSTREAM, TD12 4DL
EDINBURGH, EH10 4QQ COLDSTREAM, TD12 4DL
OFFERS OVER £210,000 2 2 3 D
OFFERS OVER £285,000 2 2 1 D OFFERS OVER £210,000 2 2 3 D
ESPC PROPERTY ESPC PROPERTY
Built for the Earl Of Haddington back in the early 1800's, this unique B listed townhouse
Situated in the heart of desirable Morningside, this second floor flat enjoys two bedrooms, boasts an the
Built for interesting
Earl Of history with plenty
Haddington back inof the
charm and
early character
1800's, throughout.
this unique An townhouse
B listed extremely
a generous reception room, two bathrooms, and stylish, sympathetically-modern interiors, versatile
boasts an internal layouthistory
interesting and peaceful Walled
with plenty Courtyard
of charm and Roofthroughout.
and character Top views Anof the River
extremely
along with a shared garden and zoned parking. Tweed. With
versatile accommodation
internal extendingWalled
layout and peaceful over four floors and
Courtyard including
Roof aTop
converted
views ofbasement
the River
and conservatory
Tweed. extension to the
With accommodation rear - utilised
extending over fourby the current
floors vendor
including as a two bedroom
a converted basement
property,
and conservatory extension to the rear - utilised by the current vendor asifarequired.
the accommodation could be used to provide up to four bedrooms two bedroom
property, the accommodation could be used to provide up to four bedrooms if required.
VIEWING INFORMATION
VIEWING INFORMATION VIEWING
Contact INFORMATION
Hastings Legal & Property tel: 01573 226999
Tel Seller 07463788379/VMH 0131 253 2964 Contact Hastings Legal & Property tel: 01573 226999
42 ESPC.COM ESPC.COM 43PROPERTY FEATURE
A MODERN HOME IN MUSSELBURGH
This bright and spacious home would be perfect for a family.
FREE VIRTUAL
PROPERTY
EVENTS
Property market updates
First time buyers
Buy-to-let
Full details at
espc.com/events
44 ESPC.COM 45PROPERTY FEATURE
A MODERN HOME IN MUSSELBURGH Set at the end of a peaceful
cul-de-sac on the outskirts of
Musselburgh, this lovely house
boasts three bedrooms, two
bathrooms and two reception
rooms, making it ideal for a family.
It also features a study, perfect for
home working, and a delightful
garden.
The lovely sitting room sits to the be used as a home office or could
left of the hallway, and it is flooded be turned into a playroom.
with natural light thanks to south-
east facing windows. However, it is Upstairs, there is a large airy
at the rear of the property that you landing with a useful storage
will find the heart of the home – cupboard. All three double
the fantastic open-plan kitchen bedrooms are located on the upper
and dining room. level. The main bedroom boasts a
wall of mirrored wardrobes and an
It features dedicated zones for en suite shower room.
cooking and dining, and the vast
space provides the perfect setting A four-piece family bathroom
for everyday family life. It is also with a separate walk-in shower
well-suited to entertaining guests completes the accommodation.
when permitted again. The stylish The property also benefits from
white kitchen is enclosed by a gas central heating and double
breakfast peninsula and offers a glazing throughout.
wealth of storage and preparation
space, along with a range of This lovely property is located near
integrated appliances. Newhailes House at the edge of
the popular town of Musselburgh
The dining area offers plenty of in East Lothian. Musselburgh sits
space for a large dining table on the banks of the Firth of Forth,
and chairs, and also features with lovely beaches and a harbour
patio doors which lead to the area. There is also a great selection
back garden. The kitchen is of eateries and shops in the town.
supplemented by a utility room,
ideal for storing extra items away. The home is handily positioned
near the A1, making for easy access
Adjacent to the utility room is to the amenities of Edinburgh and
a “Jack & Jill” WC, which also the other towns and villages of
connects to the study, which can East Lothian.
EPC
62 DENHOLM ROAD, MUSSELBURGH, EH21 6TU | OFFERS OVER £ 305,000 RATING
CONTACT: Call Ralph Hendrie Legal on 0131 253 2249 2 3 2 C14 MERSE VIEW, PAXTON, BREAKERS VIEW, FORT ROAD,
14 MERSE VIEW, PAXTON, BREAKERS VIEW, FORT ROAD,
BERWICK-UPON-TWEED TD15 1TF EYEMOUTH TD14 5AY
BERWICK-UPON-TWEED TD15 1TF EYEMOUTH TD14 5AY
OFFERS OVER £185,000 4 2 2 F OFFERS OVER £180,000 3 1 1 E
OFFERS OVER £185,000 4 2 2 F OFFERS OVER £180,000 3 1 1 E
ESPC PROPERTY ESPC PROPERTY
With an elevated position offering glorious panoramic views over the Berwickshire Breakers View is a rare opportunity in the heart of Eyemouth, with one of the best views
countryside,
With 14 Merse
an elevated View is aoffering
position spaciousglorious
and affordable four-bedroom
panoramic views overfamily
thehome, set in the
Berwickshire inBreakers
town, overlooking the beach
View is a rare and the
opportunity harbour
in the heartbeyond. Built inwith
of Eyemouth, 1948,
onetheofsemi-detached
the best views
heart of Paxton
countryside, Village.
14 Merse ViewThe
is aproperty
spaciousfeatures a generous,
and affordable South facing
four-bedroom conservatory
family home, set intothe
the bungalow has a generous
in town, overlooking the layout, with the
beach and ample garden
harbour groundBuilt
beyond. together withthe
in 1948, off-road parking
semi-detached
front of
heart and a two-storey
Paxton extension
Village. The to the
property side, which
features includes
a generous, a flexible
South facing space on the ground
conservatory to the for several cars.
bungalow has aWith scope to
generous modernise
layout, and potential
with ample to extend
garden ground both 'up
together andoff-road
with out', this is an
parking
floor and
front thatacan be utilised
two-storey as separate
extension to theannex
side, accommodation, perfect space
which includes a flexible for multi-generational
on the ground ideal
for several cars. With scope to modernise and potential to extend both 'up and out', this in
opportunity for buyers wanting to add their own taste and specification to house a
is an
families, whether for grandparent(s) or older children, still living at home.
floor that can be utilised as separate annex accommodation, perfect for multi-generational premier coastal location.
ideal opportunity for buyers wanting to add their own taste and specification to house in a
families, whether for grandparent(s) or older children, still living at home. premier coastal location.
VIEWING INFORMATION VIEWING INFORMATION
VIEWING INFORMATION
Contact Hastings Legal & Property tel: 01573 226999 VIEWING
Contact INFORMATION
Hastings Property & Legal tel: 01573 225999
Contact Hastings Legal & Property tel: 01573 226999 Contact Hastings Property & Legal tel: 01573 225999
48 ESPC.COM ESPC.COM 49ESPC AREAS
SEARCHING FOR A HOME WITH ESPC ESPC AREAS
EDINBURGH
CENTRAL
FIFE
Over
Thousands
of properties 715,000
WEST EAST LOTHIAN
LOTHIAN
available on espc.com Property alert emails sent during
March with my ESPC
GLASGOW
& WEST OF MIDLOTHIAN
SCOTLAND
160 Corstorphine DUMFRIES &
solicitor estate
GALLOWAY BORDERS
agents
ready to help you buy was the area with the most new
and sell homes listings over the last three months Local homes advertised for sale with ESPC first –
look out for the Exclusive badge online.
Dumfries Edinburgh Dunfermline Musselburgh Glasgow
Peebles
50 ESPC.COM ESPC.COM 513 BROOMLANDS HOUSE,
MORTGAGE ADVICE
3 BROOMLANDS HOUSE,
EDNAM ROAD, KELSO, TD5 7SW
OVERPAYING A MORTGAGE: EDNAM ROAD, KELSO, TD5 7SW
WHAT YOU NEED TO KNOW OFFERS OVER £170,000 3 1 1 G
OFFERS OVER £170,000 3 1 1 G
David Lauder, an independent mortgage adviser with ESPC Mortgages explains how
overpaying a mortgage works and what the benefits are.
ESPC PROPERTY
Many people are unaware Some providers also offer mean more money in your
that almost all mortgages the choice to reduce the pocket – even an increase of
have an overpayment payments in line with the £50 per month will provide
facility available. This revised balance, helpful for significant savings over the
includes the most popular maternity leave or sabbatical total term.
types of mortgages breaks in employment.
which offer fixed/tracker As independent mortgage
rates during the chosen If a 10% overpayment is advisers, ESPC Mortgages
preferential period. not enough then there are can help with all aspects of
other options available. understanding your budget,
Most of these will offer Offset mortgages are applying for a mortgage
an overpayment facility popular – you can offset and dealing with the relevant
which means that you can existing savings against the insurance requirements.
pay a lump sum or regular mortgage balance, and you Give us a call on 0131 253
overpayments of typically will only pay interest on the 2920, email the team at
up to 10% of the capital difference between the two. fsenquiries@espc.com or
balance per annum during visit espc.com/mortgages
the chosen preferential rate Another option is no tie-in
period without any penalty. products, which allow
you to make unlimited The information contained in this
The benefit of this is that overpayments at any article is provided in good faith.
Whilst every care has been taken in
the balance will reduce given time without any the preparation of the information,
and so will the term if the penalty. However, you no responsibility is accepted for any
repayments are maintained. should be aware that the errors which, despite our precautions,
it may contain.
This could potentially save rates are likely to be higher
thousands of pounds in for the additional flexibility The initial consultation with an
interest over the whole on the offset and no tie-in adviser is free and without obligation.
mortgage term as it is a pure options, so the benefits Thereafter, ESPC Mortgages charges
for mortgage advice are usually £350
capital payment with no from using these products (£295 for first-time buyers). YOUR One of six apartments that now form part of this imposing mansion house which sits within
interest accrued to it. depends how well you HOME MAY BE REPOSSESSED itsOneown
of private groundsthat
six apartments towards the edge
now form part ofofthis
Town. The apartment
imposing has awhich
mansion house real sits
sense of
within
intend to use them. IF YOU DO NOT KEEP UP
REPAYMENTS ON A MORTGAGE grandeur with lotsgrounds
its own private of lovelytowards
originalthe
features
edge and now offers
of Town. scope for has
The apartment modernisation
a real senseandof
OR OTHER LOANS SECURED upgrading.
grandeur with lots of lovely original features and now offers scope for modernisation and
If circumstances allow, AGAINST IT.
upgrading.
the overpayment facility
can be a useful tool as the ESPC (UK) Ltd is an Appointed
Representative of Lyncombe VIEWING INFORMATION
total interest payable could Consultants Ltd which is authorised VIEWING INFORMATION
end up being considerably and regulated by the Financial Contact Hastings Legal & Property tel: 01573 226999
less during the mortgage Conduct Authority. Contact Hastings Legal & Property tel: 01573 226999
term, which in turn will
52 ESPC.COM ESPC.COM 5319 HOWDEN PARK, 49B HIGH STREET,
19 HOWDEN PARK, 49B HIGH STREET,
JEDBURGH, TD8 6PZ JEDBURGH, TD8 6DQ
JEDBURGH, TD8 6PZ JEDBURGH, TD8 6DQ
OFFERS OVER £85,000 2 1 1 C OFFERS OVER £85,000 2 1 1 D
OFFERS OVER £85,000 2 1 1 C OFFERS OVER £85,000 2 1 1 D
ESPC PROPERTY ESPC PROPERTY
With generous room proportions, bright dual aspects, considerable upgrades throughout and
Well presented two bedroom end terraced property with private enclosed rear garden. a With
charming period
generous roomfeel, this centrally
proportions, positioned
bright property
dual aspects, sits within
considerable the traditional
upgrades market
throughout and
Gas presented
Well Central Heating and Double
two bedroom end Glazing.
terracedSought after
property cul-de-sac
with location.rear garden.
private enclosed town of Jedburgh;
a charming periodwith
feel,anthis
excellent range
centrally of amenities
positioned & transport
property sits withinlinks
the all close to market
traditional hand.
Gas Central Heating and Double Glazing. Sought after cul-de-sac location. Hosting
town oflarge lounge,with
Jedburgh; newlyan fitted kitchen,
excellent two
range of double bedrooms,
amenities bathroom,
& transport cloak
links all cupboard
close to hand.
Ideal first time buyer property or for investors. &Hosting
off-street parking.
large lounge, newly fitted kitchen, two double bedrooms, bathroom, cloak cupboard
Ideal first time buyer property or for investors. & off-street parking.
VIEWING INFORMATION VIEWING INFORMATION
VIEWING INFORMATION
Contact Hastings Legal & Property tel: 01573 724160 VIEWING
Contact INFORMATION
Hastings Legal & Property tel: 01573 922603
Contact Hastings Legal & Property tel: 01573 724160 Contact Hastings Legal & Property tel: 01573 922603
54 ESPC.COM ESPC.COM 55You can also read
