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HOUSING
m a t t e r s www.mod.uk/jshao
THE MAGAZINE OF THE JOINT SERVICE HOUSING ADVICE OFFICE
Featured:
what is a housing association?
Dealing with Estate Agents
HOUSING IN
WEST MIDLANDS
October 2012
Appleton Park | Dumbarton | G82 1AB
WARNING
RISK OF SERIOUS
HOME Your beautiful new ARMED
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your friends
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give you £250 off for every £25,000 you spend on your fabulous new Bett home!*
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HOUSING
m a t t e r s
THE MAGAZINE OF THE JOINT SERVICE HOUSING ADVICE OFFICE OCTOBER 12 ISSUE 114
c
coon tne tn tesn t
HOUSING
m a t t e r s www.mod.uk/jshao
4 What is a Housing Association?
6 Dealing with Estate Agents
THE MAGAZINE O
F THE JOINT SERV
ICE HOUSING ADV
ICE OFFICE
Featured:
WHAT IS A HOUSING ASSOCIATI
ON?
Dealing with Estate Agents
HOUSING IN
8 Homeshub is First Port of Call for
WEST MIDLANDS
Navy Family
10 Buying a Property at Auction
12 Housing in West Midlands
14 Solicitors (Conveyancers)
& Surveyors
October 2012
r e g u l a r s
M O D n e w s
“This editorial is rather different from any that I have written over the R e g i o n a l P r i c e s
past 2 years in that it is my last. C o n t a c t s
S a l e s L i s t s
By the time you read this I shall have left the office in Upavon for the last
time. Not unnaturally I shall be very sad to go. I leave expressing the
greatest respect for what you do in the Armed Forces. I now have a greater
understanding of the emotions that you all may go through when you are jshao staff
Telephone Numbers:
leaving the Services. I am now in the same boat, after working for the
01980 61 + last 4 digits of extension
Ministry of Defence for 15 years and facing the same challenges as you. or Mil 94344 + Ext
Personally, I am now finally looking forward to leaving and very excited about
Ext
life outside MoD.
Paula Jones OIC 5520
I would like to take this opportunity to thank you all for the help and support Philip Arundel Senior Housing Advisor 8004
that you have given to the JSHAO since my arrival as OIC. This has been Flight Sergeant Neil Rowlands Office Manager 5808
invaluable to my team. I wish my successor, Ms Paula Jones and the JSHAO
Andrea Emmens Housing Advisor 5807
team all the very best for the future.”
Vacant Housing Advisor 8925
James Turner, OIC Christine Hodges MOD Referrals 8219
Natalie Dew Asst Housing Advisor 8925
Published for The Joint Service Housing Advice Office by Method Publishing,
Sutherland Press House, Golspie, Sutherland, Scotland KW10 6RA
Telephone (01408) 633871 Fax: (01408) 633876
email: j.alker@methodpublishing.co.uk to whom all enquiries regarding advertising should
Fax: 8068
be addressed. Email: AWS-JSHAO-Mailbox@mod.uk
Design and Typography: @ Method Publishing 2012 Website: www.mod.uk/jshao
Editorial Matter: ©Crown Copyright 2012
No responsibility for the quality of goods or services advertised in this magazine can be accepted by the
Publishers or Printers or by the Ministry of Defence. Advertisements are accepted on the express condition The Joint Service Housing Advice Office,
that the advertiser warrants that they in no way contravene the provisions of the Trades Descriptions Act Building 183, Trenchard Lines, Upavon,
1968 nor any other prevailing legislation in the United Kingdom.
Wiltshire, SN9 6BE
The Publishers reserve the right to refuse acceptance of any advertisement, either before or after receipt of
copy, without stating a reason.
Page 3
What is a
associ
What types of housing is there be registered charities, and in larger cities, housing association supported accommodation in the
in the UK, and who provides it? they may or may not be geared rentals may increasingly provide the UK is run by housing associations.
towards assisting particular social best opportunity for younger people This is targeted at specific
Questions not normally at groups with accommodation – to find a home in a desirable groups – older people, or those
the forefront of most service for instance, older or disabled area. They may also offer financial with mental health problems or
personnel’s minds on a daily people. Rent may or may not be assistance for people buying their disabilities, etc. To be classified
basis. Until of course you subsidised to varying degrees. own property who, for a variety as “supported accommodation”,
realise that your discharge date of reasons, would be unable to a certain amount of services must
has appeared on the horizon, Housing associations are honour a commercial mortgage be provided in addition to housing
or if you’ve been selected for classified by the property industry deal. – assistance, therapy, meals, etc.
compulsory redundancy, is as “registered social landlords”,
approaching faster than my 14 along with YMCA hostels and Housing association How did housing
year old son on pocket money housing co-operatives. accommodation is often utilised associations develop?
day. You may have knowledge of as an alternative to council-owned Unique to the UK, they originally
what local Housing Authorities Accommodation owned by housing and the majority of appeared in the post-Industrial
(the local council) are and do; housing associations is known as tenants are still referred to housing revolution years of the 19th
you may know about private “social housing”, a loose term associations through their local century, emerging alongside the
rental or house purchase options, which incorporates government- authority, generally because they new middle-class. They grew in
but do you know what a Housing owned council housing and other initially apply for council housing importance in the 1960s and
Association is? affordable accommodation. but are assessed as not being in 70s with the increase in emphasis
great enough need. The referral on social inclusion, and grew
Housing Associations are not-for- Who is their accommodation might also be given because a in the 1980s, when limitations
profit organisations who own, for? housing association in the area imposed on council housing by
let and manage rental housing. Everybody. Housing associations which is specifically tailored to the Thatcher government enabled
As not-for-profit organisations, were developed with the aim of their needs (for example, younger them to take over a much bigger
revenue acquired through rent is making accommodation available single people or those with mental share of the social housing
ploughed back into the acquisition and affordable for all. In the recent health problems). market, increasing in size and
and maintenance of property. past they have been perceived as importance.
an option for those in the lower- Do they provide any other
Beyond this definition there is income brackets or in particular services? In recent years, housing
very wide variation. Housing need. However, as housing In addition to general housing associations have been put
associations may or may not becomes more expensive, especially provision, the majority of under increased pressure to be
Page 4
a housing
iation?
Information sourced from
www.ourproperty.co.uk
accountable and to provide value However, the obvious advantages be ineffectual and long-winded, Ireland Housing Executive,
for taxpayer’s money, which to renting from a housing and endless hours of meetings and the Welsh Assembly.
have caused the government to association include rent which is required to resolve any problems!
come under the criticism that usually subsidized to below market These agencies provide housing
their service is becoming more value. As mentioned above, some Although the properties owned associations with advice and
commercial and less beneficial to may also offer shared-ownership by associations do vary in support, and regulate their
the poorest sectors of society. schemes to assist people who character, the majority of performance through regular
want to buy a property but cannot accommodation is composed inspection against specific
What can I expect from the afford to do so independently. of complexes (typically blocks criteria. Inspections are geared
service? Pros and Cons and estates of flats) rather in the main towards financial
Just as associations vary in Additionally, you are dealing with than individual properties. You performance and efficiency,
so many ways (in terms of the a large, registered and audited should consider this before you rather than the experience they
type of property they own, their company rather than an individual approach a housing association provide for individual residents,
objectives, the type of resident landlord, providing increased peace (or your local council, usually but it might be worth visiting the
they target services at, etc), so, of mind; you have less chance the first port of call). relevant website and checking a
too, the quality and efficiency of getting a dodgy deal, and an housing association’s performance
of the services provided vary established complaints procedure to How are these associations before you seek their help in
greatly between organisations. deal with any difficulties. regulated? finding accommodation.
Investigate thoroughly before The Housing Corporation is
you commit to a property. Talk One of the key characteristics the quango or non-departmental Facts and Figures
to existing residents and ask of housing associations is that public body responsible for In England:
about the procedures in place they are overseen by a voluntary funding and regulating housing
for investigating complaints and committee or board, which associations in England. It should • there are 1,500 housing
service requests. Walk around: are usually includes residents. If be noted that it is not ideal for associations
pavements and walkways clear of the system works, this makes one organisation to both fund • providing around 2 million
rubbish? Is graffiti a problem? them a democratic housing and regulate an industry, due to homes
management process, allowing the potential for conflict between • for over 5 million residents
Housing associations generally residents a say in the running those two roles. • overseen by more than 30,000
provide rental accommodation of their homes. Unfortunately, volunteer committee members
at “affordable” prices; of course, as with any democratic system Elsewhere in the UK, this function
the definition of affordable varies there is of course a risk that the is performed by Communities Neil Rowlands
between areas and associations. decision-making process may Scotland, the Northern JSHAO Office Manager
Page 5
DEALING WITH
ESTATE AGENTS Source: www.findaproperty.com
Buying a new home is bound up with all your hopes and dreams 2. Sort the money
for the future (as well as with all your money), but to an estate That said, you still need to cultivate them. Get a mortgage in principle
agent, the name of the game is business, pure and simple. before you begin to house-hunt. You’ll save yourself time and heartache
by having a clear idea of your budget from the start.
That’s not to say that the right estate agent can’t help you to find the
best possible property at a fair price that you can afford. And more importantly, you can make yourself a dream client for an
estate agent, who will appreciate the fact that she is dealing with
Nor that there aren’t thousands of scrupulously honest agents out there, someone who is not only ready to move on a deal immediately, but who
who not only voluntarily follow industry codes of practice, but also is organised, efficient and serious.
maintain high ethical standards in their business dealings.
3. Put yourself about a bit
However, there is an art to getting the best from even the finest and When you start your search, sign up with a number of local estate
most professional of agents. Remember too, if you’re in the market agents. It won’t cost you anything but time – but do make sure they deal
to buy a property, you can expect to have to deal with lots of agents, with the kind of properties you are interested in, to avoid wasting their
unlike sellers who normally deal with just one or two. time and yours.
So do yourself a favour and think it through. Do a little preparation, You won’t always have this luxury, but if you can, deal with agents who
figure out how to get on their good side, and you’ll be a lot closer to are members of the National Association of Estate Agents (NAEA), or
turning the key in the door to your new home. who are registered with the Royal Institute of Chartered Surveyors (RICS).
12 Ways To Make Estate Agents Love You They follow a professional code of practice and rules of conduct.
(And Find You A Nice Home) Better still, ensure that agents are in the Ombudsman for Estate Agents
1. Get it straight scheme, which has the power to award compensation.
First off: remember whose side an estate agent is on. They are paid a
percentage of the sale price, so it’s in their interest to sell the property 4. Get a name
as quickly as possible for the highest price they can get – don’t forget When you contact agents – if possible, visit their offices – get the name
who is paying the piper. of someone who you can make your contact there.
Page 6
HOUSING
m a t t e r s
Provide them with your basic details – your name, address, contact 10. Pick their brains
number(s), when you want to move, whether you’re selling anything, the Take the opportunity, while you are spending so much time in the
type of property you want, the area(s) you’re interested in. company of professionals, to find out about the state of the market,
local developments, up-and coming areas – whatever you need to
They’re busy people and this will save them time and impress upon know.
them that you’re organised and on the ball.
We’re talking about chatting here, not interrogation – but work it into
5. Be honest the small talk and approach it in the right way, and you might find they
Don’t bother misleading agents about what you can and can’t afford; have something to say that could help you enormously.
and only view properties that are within your budget.
11. Check it out
By the same token, let them know exactly what your budget is, what you Don’t take it on trust. Do your research into the area, follow up claims
want and where you want it – and be prepared to listen if they have an agent makes about a property that you are serious about, and verify
reservations about your chances. them to your own satisfaction.
Work out what you are prepared to compromise on, just in case you Whether it’s about planning permission for an extension, or local
have to – location? size? price? If you are using more then one agent, catchment areas for schools, check it out. And if you are unable to
you should soon be in a position to make your own judgement on the check something, and it seems appropriate, get it in writing from the
plausibility of your demands for your budget. agent.
6. Be businesslike 12. Be nice
This doesn’t mean coming over like Alexis Carrington – you are unlikely Estate agents are people too. They work exhausting hours, they work in
to endear yourself to agents that way. a highly pressurised environment and they get messed about by all sorts
of time-wasters.
It simply means knowing what you want and being clear about it, and
making it obvious that you’ve done your research and that you have a Don’t get so uptight and anxious about the whole thing that you forget to
realistic notion of what you are going to be able to afford. be civil and friendly. It could help you in your quest for a new home to be
‘in’ with a good agent – but, more importantly, it’s just nice to be nice.
It also means treating the whole process in a calm, level-headed and
businesslike manner. It helps to look the part – dress smartly.
Authorised and regulated by the Financial Services Authority
7. Stay in touch
If you haven’t heard from a particular agent, call your contact once or
twice a week to remind them that you’re still looking and to find out if
they have anything new on their books.
PEARSON
INDEPENDENT ADVISERS
They may possibly suggest a compromise on what you are after –
something of interest in another area might immediately spring to their ExpEriEncEd in working with sErvicE
mind, for example. Keep an open mind on this but get as many details as pErsonnEl and thEir familiEs
you can about the area and the property before you agree to a viewing.
Full financial advice service available
8. Keep your wits about you
with access to the whole market including
Don’t be seduced by blissful descriptions in particulars. Use them as a guide
mortgages, insurance, pensions, savings
to decide whether the property is worth a viewing; but once you are viewing
and investments.
it, think up your own adjectives to describe it and forget the soft sell.
FREE consultations at a time and
location to suit you.
If the details are limited ask the agent to send you more pictures, floor-
plans, a more detailed description or get them to ‘talk and walk’ you BFPO? No problem. Worldwide Service
through the property on the phone.
talk to Us aBoUt thE
Ask about the street, the area – they may not know everything, but it’s
armEd forcEs homE ownErship schEmE
worth getting as much info as you can before you agree a viewing. Look
for the deal-breaker, from your point of view, and for other possible Phone: 0044 (0)1793 771205
problems and put them to the agent. Fax: 0044 (0)1793 772280
E-mail: advice@pearsonia.co.uk
9. Be available
If the property sounds genuinely interesting, be prepared to move fast
Web: www.pearsonia.co.uk
and try to find time that day, if you possibly can, to view it. It puts you in Pearson Independent Advisers is a trading style of Mortgage Horizons Ltd
pole position in case the property is what you want, and it signals your Your home may be repossessed if you do not keep up repayments on a
mortgage or other loan secured on it.
serious intent.
Page 7
HOUSING
m a t t e r s
HomesHub is first port
of call for Navy family
2012 is proving to be a busy Advance of Pay). This is a special
year for couple Graeme and interest free loan for Military of
Gemma from Sefton. With Defence personnel provided by
new baby Caiden, a new house the government to help to help
and their wedding in August the forces into home ownership.
this family have been very busy
and all of this fitted around “The Navy really promote home
Graeme’s career in the Navy! ownership, as such a high
percentage of service personnel
Graeme, 28, spends 6 months end up homeless when they finish
of the year away on tour with the up at the Navy and are back on
Navy and feels relieved to finally Civvy Street,” explains Graeme.
have a haven off shore that he “I think it’s great that these
can call home. schemes are there to help people
like me and my family. I have
“We have been looking to been recommending the scheme
buy a our own property for a to all my fellow sailors back on
few years as we were sick of ship.”
privately renting, and living in in
Portsmouth with the other Navy “The process was so simple and
families just hadn’t been right for straight forward; we moved in
us. We knew we wanted to be within two months of viewing the
close to family and ideally we property and could have been in
wanted a new build property,” within a month if we hadn’t been
explains Graeme. waiting for Graeme to come back
from sea,” says Gemma.
“I had heard of HomesHub
through a magazine in work and “We are already saving money on
we knew that they could help gas and electric bills as the house
people in the forces get onto the is so well insulated. We would
property ladder. We had a look recommend a new build property
on the website and thought that to anyone.”
FirstBuy sounded ideal.”
For Graeme and Gemma owning
“We looked at a couple of their own property and not having
sites in our area but we fell in to rely on Navy accommodation
love with this house and we or private rent mean they really
got a really good deal with can put down roots in Bootle.
an upgraded kitchen and free
carpets. Keepmoat really looked And Gemma has her own links
after us. I call my home the little with maritime history, working in
Duchess,”says Gemma, 24. The Doric pub in Seaforth. The
Doric was a sister ship of Titanic,
Through HomesHub, the couple making her maiden voyage from HomesHub are committed to hundreds of people like
were able to access FirstBuy. Liverpool to Montreal, Canada in assisting Ministry of Defence Graeme and Gemma into home
This scheme provides an 1923. Personnel into homeownership Ownership across Merseyside
affordable equity loan for 20% across Merseyside and Cheshire. and Cheshire.
of the property’s value, enabling Gemma told us, “I’ve got a great FirstBuy is just one of the low
customers to obtain a 75% circle of friends here in Bootle; cost homeownership schemes For more information on the
mortgage with only a 5% cash we all work in the same pub and available through HomesHub to Regency Park or any other
deposit. have young children, so we all assist people onto the property Developments visit
chip in and help look after each ladder. www.homeshub.co.uk
The couple were also assisted other’s kids. This is a great help or call
through the LSAP (Long Service for when Graeme is at sea.” HomesHub have helped 0845 603 4559.
Page 8
Specialist Insurance and
Financial Advice for Members
of HM Forces - MOD Endorsed
For your peace of mind all members are:
» Knowledgeable about the unique needs of Service Personnel
» Authorised and Regulated by the Financial Services Authority
» Bound by a Code of practice
And have many years experience in sorting out mortgages for
members of the Armed Forces
Why buy from a specialist?
A service lifestyle has unique elements not generally understood in Civvy Street:
» Armed Forces Pension Scheme
» Extended periods of absence from home
Find out more at
» Armed Forces Compensation Scheme
» Living in MOD accommodation
www.siiap.org
» Providing insurance cover on active duty » Member firms
» Products &
services offered
» Locations served
» Complaints
procedure
Page 9
BUYING
A PROPERTY
AT
AUCTION
Source: www.primelocation.com
Buying a property at auction
has a reputation for seat-of-
your-pants excitement, quick-
fire action and potential profits
– if you know what you’re
doing.
Be prepared
Buying a property at
auction is both exciting
and potentially profitable. Legal matters
It avoids all of the lengthy When you express an
purchasing procedures interest in a property
that you usually have to endure properties you’re interested in, to the auctioneers,
and the risk of everything falling contact the auctioneers and there is usually a
through at the eleventh hour. arrange a viewing. As when legal pack available for
At an auction, as soon as that buying any property, I would you to read. It is essential
hammer falls, that’s it – the advise more than one viewing as that you digest this thoroughly,
property is yours. But it isn’t to be you need to be aware of every and if you’re not sure about Preparing for the property
undertaken lightly and it pays to facet of the property if you are anything, have your solicitor auction
do some research. considering bidding. Very often, check it out. It could contain When the time comes for the actual
auction properties are in a poor covenants or certain legalities auction, be prepared. The whole
Locating a property auction state, so it is advisable to take a which could have potential process can be quite daunting, and
You’ll need to find out when builder or an architect with you to implications on the value of it may be useful to go on a dummy
and where there is an auction. find out what can be done to the the property. It might even pay run and experience an auction as
You can do this by scouring the property, and how much it is likely to carry out property and land a spectator before going to one
property papers and magazines, to cost. searches of your own if you have to actually bid. You don’t actually
or by speaking direct to a local any concerns and if you have the have to be there in person, as you
estate agents. For a list of It would be prudent to remember, time. can bid by telephone. It may be
upcoming property auctions, visit though, that time really is of the better though to feel the buzz of the
www.ukauctionlist.com. essence. There is usually four Arranging your finances auction room and be able to look
weeks between the publication You will also need to make your around and assess the competition.
Finding the right property of the auction catalogue and the financial arrangements prior to
Once you’ve found an auction, next auction, so you have to act fast. auction. You must have a ten The property auction
get hold of its catalogue and spend percent deposit with you on When you arrive at the auction,
time studying it. It has been known Research the property auction day, and you must come you’ll need to register – make
for people to turn up at auctions Make sure that you do your up with the remaining ninety sure that you bring identification
with no knowledge of the catalogue research thoroughly, and compare percent within twenty eight days. and enough funds for your ten
list and bid on properties on the the price and condition of the If you need a mortgage, it is percent. Auction houses can be
spur of the moment. This may property to others that are similar prudent to have discussed all of pretty crowded affairs, so get there
sound like an exciting and even or that might be for sale with local the financial implications with early if you want a seat! When the
brave thing to do, but our opinion, estate agents. You will often find a bank or building society, and time comes to bid, make sure that
while you might occasionally get that the guide price of auction have arranged a mortgage in you can be seen by the auctioneer
lucky going on instinct, it is always properties is set relatively low in principle. Some people have paid and that he is aware of when
better to be prepared. order to entice bidders, so have in their ten percent and lost the lot you’re bidding – don’t risk any of
your mind what you think the true because they couldn’t come up the casual scratching of the nose
Viewing properties market value of the property is, with the rest of the balance in type bidding that you see in the
Once you’ve identified the and bid accordingly. time. movies!
Page 10HOUSING
m a t t e r s
Bidding
As the bidding increases, so will your heart rate, believe
me. This is where you have to make sure that you don’t
get carried away. Try to have a figure in your head that
you don’t want to go over. It can be very tempting to go
over budget, particularly if you’ve invested a lot of time
and effort prior to auction, but try not to go silly. If you
don’t trust yourself, then you can get someone else to go
and do the bidding for you.
If you are bidding on a property and it fails to meet its reserve
price, this doesn’t necessarily mean that this is the end of the Get yourself a bargain!
matter. The auctioneers can still act as agents and are able Ultimately, whilst it can take time to do your homework prior to auction,
to do a deal between yourselves and the vendors, if a price and it is admittedly pretty nerve-racking actually taking part. The thrill
can be agreed at the end of the lot. This is often a good way and euphoria at having a bid accepted, and knowing that it is a legally
to pick up a bargain, as a vendor might have been chancing binding deal, is just fantastic, and if you’ve done your research correctly,
their arm with their reserve price, but could be willing to do then you might just end up getting yourself a bargain in the process.
a deal after the auction. Likewise, it isn’t unheard of for a
deal to be tied up prior to auction, so it may be worthwhile Search for property for sale at auction
checking this possibility out with the auctioneers. If you’re keen to buy a property at auction yourself, start by searching
for property on Primelocation.com by typing ‘auction’ into the keyword
search box, or by speaking directly to the relevant estate agents.
The content provided in this guide is for information only. In all cases,
independent and professional advice should be sought before buying,
selling, letting or renting property, or buying financial services products.
Page 11HOUSING
m a t t e r s
HOUSING IN
WEST MIDLANDS
LOCAL AUTHORITIES IN WEST MIDLANDS
There are 29 housing authorities in this region – seven in West Midlands, one in Shropshire, nine in Staffordshire, five in Warwickshire, six in
Worcestershire and one in Herefordshire. These authorities have, in the majority of cases, decreed that applicants must have local connections to
be considered for their general housing registers. The JSHAO can obtain information on every local authority in the country on request.
The following are the housing authorities operating within the region:
HEREFORDSHIRE (www.herefordshire.gov.uk)
HEREFORDSHIRE 01432 261600
SHROPSHIRE (www.shropshire.gov.uk)
SHROPSHIRE 0345 678 9005
STAFFORDSHIRE (www.staffordshire.gov.uk)
CANNOCK CHASE 01543 462621 EAST STAFFORDSHIRE 01283 508000
LICHFIELD 01543 308000 NEWCASTLE-UNDER-LYME 01782 717717
SOUTH STAFFORDSHIRE 01902 696000 STAFFORD 01785 619000
STAFFORDSHIRE MOORLANDS 0345 6053010 STOKE-ON-TRENT 01782 234567
TAMWORTH 01827 709459
WEST MIDLANDS (www.wmleadersboard.gov.uk)
BIRMINGHAM 0121 3034125 COVENTRY 024 76834025
DUDLEY 0300 555 2345 SANDWELL 0845 3582200
SOLIHULL 0121 7171515 WALSALL 01922 653405
WOLVERHAMPTON 01902 554747
WARWICKSHIRE (www.warwickshire.gov.uk)
NORTH WARWICKSHIRE 01827 719314 NUNEATON & BEDWORTH 024 76376406
RUGBY 01788 533837 STRATFORD-ON-AVON 01789 260861/2
WARWICK 01926 412828
WORCESTERSHIRE (www.worcestershire.whub.org.uk)
BROMSGROVE 01527 557557 MALVERN HILLS 01684 862151
REDDITCH 01527 534069 WORCESTER 01905 722233
WYCHAVON 01386 565020 WYRE FOREST 0800 169 0933
HOUSING ASSOCIATIONS HAIG HOMES is an organisation dealing exclusively with ex-Service
Housing Associations vary in size dramatically from less than 50 personnel nation-wide. They have over 1300 properties in the UK.
properties to a stock of over 40,000. They are becoming the major All their properties are let to people with Service connections, priority
providers of social housing in the UK, being responsible for almost being given to families with children.
a third of new housing. Their objective is to provide affordable good
quality homes for rent or low cost home ownership. Some are able to For more details telephone: 020 8685 5777 or visit
accept direct applications whilst others will only take nominations by a www.haighomes.org.uk
local authority.
REGIONAL HOMEBUY AGENT
PLACES FOR PEOPLE is one of the largest property management Orbit: ofs@orbit.org.uk
and development companies in the UK. Their focus is on creating www.orbithomebuyagents.co.uk
places where people choose to live. Their aim is to create sustainable Tel: 0345 8502050
communities by building homes for sale and rent alongside homes for
reduced and part ownership, as well as commercial units, live/work AVERAGE HOUSE PRICES IN WEST MIDLANDS SECOND
apartments, homes with care and support and nurseries for pre-school QUARTER 2012
children. You can contact Places for People by free phone within the £152,980
UK on 0800 432 0002 or through their website at Annual Change: +1.3% Quarterly Change: -2.7%
www.placesforpeople.co.uk (Figures sourced from www.lloydsbankinggroup.com)
Page 12ADVERTISING FEATURE
Head Office telephone numbers for some of the other larger Housing HomeBuy in the
Associations operating in the area are listed below.
current housing market
WEST MIDLANDS Buying a home via HomeBuy has a range of clear benefits. Most
notably, lower deposit requirements and monthly repayment amounts,
Herefordshire, Shropshire, Staffordshire, Warwickshire, West Midlands
mean lower required household incomes.
and Worcestershire
The table below shows a comparison of the average monthly costs of
owning a home outright against buying through HomeBuy:
Name Tel Counties Covered
New build Outright sales
Accord 0300 111 7000 Shropshire, W Midlands & shared ownership purchase
Staffordshire
Full purchase price £180,000 £180,000
Anchor Trust 0845 140 2020 All Shares purchased 30% 100%
Bentilee Community 01782 252575 Staffordshire Housing Typical mortgage 5% 10%
Beth Johnson HA 01782 219200 Shropshire & Staffordshire Deposit required £2,700 £18,000
Bromford Carinthia HA 01902 773618 All Interest rate 6.25% 6.25%
English Churches HG 0845 112 7722 All Monthly mortgage £320.60 £1,068.66
Focus HA 0121 525 3626 W Midlands repayment monthly
Jephson Homes HA 01926 339 311 Shropshire, W Midlands, Rent payment monthly £315.00 N/A
Warwickshire & Service charge monthly £81.95 £81.95
Worcestershire Total outgoing £717.55 £1,150.61
Marches HA 01568 610100 Herefordshire, Shropshire & Buying this or a similar property through HomeBuy would require a
Worcestershire household income of £24,900.
Midland Area HA 0121 554 8000 W Midlands
This example is based on a two bedroom house at Darland View in
Optima Community 0121 687 3111 W Midlands
Chatham, Kent. This table should not be taken as a definitive guide.
Association
Monthly payments will vary depending on the full purchase price of the
Orbit HA 0345 8 500 500 W Midlands, Staffordshire &
property, shares purchased and mortgage product chosen.
Warwickshire
Sanctuary HA 0121 525 3131 W Midlands, Staffordshire, For more information about any HomeBuy options visit
(Beth Johnson) Warwickshire & www.HomeBuy.co.uk.
Worcestershire Looking to live in Essex, Kent or Sussex? Visit
Touchstone HA 08459 507200 W Midlands, Staffs & www.HomeBuyOptions.co.uk or contact Moat, your Local
Warwickshire HomeBuy Agent by calling 0845 359 6161 or by
William Sutton Trust 0845 217 8601 Staffordshire emailing marketing@moat.co.uk.
Discover your HomeBuy options through Moat
Are you looking for an affordable home in Essex, Kent
or Sussex and have a household income of less than
£60,000 per annum?
Then we invite you to join the thousands of people
who are on the first step of the home ownership
ladder.
To find out more call us on 0845 359 6161 or you can
check eligibility, search for properties and apply online
at www.HomeBuyOptions.co.uk.
Other eligibility criteria may apply.
Please quote ref MoD1 when applying.
Moat Homes Limited is a charitable housing association. July 2012.
MoD personnel will be given the highest priority for any HomeBuy homes.
MoD advert 131 x 186.indd 1 26/07/2012 10:42
Page 13HOUSING
m a t t e r s
SOLICITORS
(CONVEYANCERS)
& SURVEYORS
Finding the right professional is notified of any restrictions in their searches and pre-contract the appropriate area of law. You
help can mark the difference advance of purchase. In most enquiries. The seller’s solicitor can find details of solicitors on
between a smooth and a mature jurisdictions, conveyancing or conveyancer will prepare the the Law Society website at: www.
stressful move and one that is facilitated by a system of land draft contract to be approved by solicitors-online.com or go to
you may wish to forget entirely registration which is designed the buyer’s solicitor. The seller’s the Ministry of Justice website at
! Conveyancing is the transfer to encourage reliance on public solicitor will also collect and www.justice.gov.uk
of legal title of property from records and assure purchasers of prepare property information
one person to another. land that they are taking good title to be provided to the buyer’s NORTHERN IRELAND
solicitors. In many ways, the process is
A typical conveyancing transaction ENGLAND & WALES similar to England and Wales,
contains two major landmarks: the In England and Wales, this is It takes on average 10-12 weeks conveyancing companies also
exchange of contracts (whereby usually done by a solicitor though to complete a conveyancing offer their services and again there
equitable title passes) and could be a licensed conveyancer. transaction, but while some is fierce competition on prices.
completion (whereby legal title The domestic conveyancing transactions are quicker, many If you are considering using a
passes). Conveyancing occurs market is price competitive, with a take longer. The timescale is solicitor? Then go to the Northern
in three stages: before contract, high number of firms of solicitors determined by a host of factors Ireland Legal Services website at:
before completion and after and conveyancing companies – legal, personal, social and www.nilsc.org.uk
completion. offering a similar service. financial. During this period
prior to exchange of contracts SCOTLAND
A buyer of real property must Under English and Welsh law, (exchange being the point at The position in Scotland under
ensure that he or she obtains a agreements are not legally binding which the transaction becomes Scots law is that the contract is
good and marketable ‘title’ to until contracts are exchanged. legally-binding) either party can generally concluded at a much
the land; i.e., that the seller is the This affords both the advantage of pull out of the transaction at any earlier stage, and the initial offer,
owner, has the right to sell the freedom before contract, but also time and for any reason, with no once accepted by the seller, is
property, and there is no factor the disadvantage of wasted time legal obligation to the other. legally binding. This results in
which would impede a mortgage and expense in the event the deal a system of conveyancing where
or re-sale. is not done/completed. NB buyers get their survey done
The decision to employ a Solicitor before making a bid through
A system of conveyancing is The normal practice is for the or Conveyancer is personal to their solicitor to the seller’s
usually designed to ensure that buyer to negotiate an agreed the individual. Detailed and solicitor. If there is competing
the buyer secures (obtains) title price with the seller then organise thorough research; both on-line interest for a property, sellers
to the land together with all the a survey and have the solicitor and through advice sought from will normally set a closing
rights that run with the land, and (or conveyancer) carry out neutral sources and trusted family date for the initial offers. The
and friends should contract is normally formed by
be considered before letters between the solicitors on
your decision is made. behalf of each of the seller and
There are points to purchaser, called missives. Once
be considered in all the terms of the contract are
both solutions and agreed, the missives are said
ultimately the choice to be concluded, and there is
lies with you the then a binding contract for the
buyer! sale of the property. Normally
the contract is conditional upon
Welcome to the real matters such as the sellers being
world eh? able, before completion of the
transaction, to prove that they
If you decide you have good title to the property
need a solicitor, you and to exhibit clear searches
should choose one from the property registers and
who has experience in the local authority. The fact thatthere is a binding contract at a important decision in a rush. A
relatively early stage, compared conveyancer’s job is to take care
with the normal practice in of all legal aspects of moving
England and Wales, decreases house, which include:
some of the risks inherrent
in buying in England. The • Local search
disadvantage for the buyer is that • Land charges search
they usually have to bear the cost • Land registry
of the survey for unsuccessful • Stamp duty
bids. • Home information packs (in
Scotland only) though Energy
In Scotland, properties for Performance Certificates are
sale have to be marketed with used UK wide and should be
detailed information, referred sought by a purchaser.
to as the ‘Home Information Most conveyancers will ask for conveyancing solicitors
Report’. This consists of: a One of the best means of payment of land registry and when buying a property. It’s
Single Survey, an Energy Report finding a suitable conveyancer local authority search fees in an interesting perspective;
and a Property Questionnaire is through a personal advance. The balance will be remember that property purchase
of local authority searches recommendation, so ask friends due when you’ve completed on is probably the most expensive
and evidence of legal title. and family who have bought a your home. thing you’ll ever undertake……..
The Home Report will be property in the area or the estate
made available on request to agent or mortgage broker. Consider carefully professionals PROPERTY SURVEYS
prospective buyers of the home. that are offering a ‘cheap deal’. It’s estimated that on average
The date of final settlement is in Apart from the conveyancing This could mean that they are only 20% of all homebuyers
Scotland known as the “date of work there is also the lender’s dealing with many clients, which commission a professional
entry”. legal work to be done. Your will more often than not result in survey. This is somewhat
conveyancer could act for the a slow service. surprising considering that
You can find details of solicitors lender, which should save you buying a property is probably
in the Law Society of Scotland’s money. The principal task is Once you’ve chosen a the biggest purchase in most
website www.lawscot.org.uk to draw up a mortgage deed, conveyancer they will ask to see people’s lives. One explanation
which sets out the conditions of some form of identification, such for this low take up is that
So, on with the article: your loan. The lender will hold as a passport or driving licence, many homebuyers believe the
Here are some guidelines to this and the title deeds of your and your mortgage lender’s mortgage lender’s survey is
help you in your decisions in property until the loan is paid details. Most importantly, you sufficient.
making your choices. in full. will also need your chequebook,
ask for an estimate of costs. In fact, the lender’s survey is
Conveyancers Cost These are professionals skilled simply a mortgage valuation, a
The legal process of buying Fees for conveyancing work vary, in purchase of properties and property inspection to establish
and selling a property is called so it’s a good idea to obtain at should be able to give a very the amount and terms of the
conveyancing. Conveyancer least three quotes from different good idea of costs. You do not loan. This survey will not tell you
is the generic term given to companies. Make sure that want to be agreeing to ‘Carte if the property is worth the price
either a conveyancing solicitor you know what costs the quote Blanche’ or a blank cheque you’re paying for it, nor point out
or licensed conveyancer. All includes. You will usually be scenario. If you are working to any structural defects. To obtain
solicitors practising law in charged for the conveyancer’s a budget, take care to outline this vitally important information
England and Wales must also be time, phone calls, letters and when communication is required you’ll need to get a professional
registered with the Law Society. faxes and their indemnity fee. on costs. Consider setting limits opinion by commissioning a
There are separate societies for They may state that if any before you agree to a solicitor chartered surveyor before you
Northern Ireland and Scotland. unforeseen problems arise these acting on your behalf, he is sign any contracts.
Website details can be found will be dealt with through an working for you after all and you
above. extra charge. will be paying his final bill. NB
It is a commonly held belief
As soon as you place an offer For a property costing NB amongst the Service community;
on a property, an estate agent £100,000, you should expect One of the presenter briefings that more effort and care is
will ask for your conveyancer’s to pay about £550 in fees. that are being added to the taken when buying a second-
details to pass onto the seller’s However, the cost will also Housing Options all-day hand car, rather than a second-
conveyancer. It’s therefore depend on whether your briefings given by the JSHAO hand property !!! Whether this
wise to establish contact with property is leasehold or freehold. (Joint Services Housing Advice is a result of inferred trust in
a professional before you Leasehold properties will cost Office) is given by a Solicitor housing, as service property is
start looking for a property more as they involve additional who gives best advice on the cared-for and that implied care
to avoid having to make this work checking the lease. benefits of using specialist exists in other homeowners.
Page 15HOUSING
m a t t e r s
Remember: Buyer Beware. purchase at the agreed price. valuation, however this can be forget to ask any friends who’ve
• M
ake clear what decisions and arranged as an agreed extra. recently purchased a property. If
There are two main types of actions should be taken before these options fail to find someone
survey - the ‘Homebuyer’s Report’ contracts are exchanged. The cost of this survey is from suitable, contact the Royal
and the ‘Building Survey’. £500 upwards and will usually Institution of Chartered Surveyors
Building survey take one to two days to complete. (RICS), who currently have over
Homebuyer’s report This type of survey is suitable You can expect the final report 80,000 members working to the
This type of survey is designed for all residential properties within three working weeks of the highest professional standards.
to keep costs to a minimum and and provides a full picture of original survey.
is likely to be the best choice the property’s construction and Search for a Surveyor on the
if the property you are buying condition. Because the level NB website at http://www.rics.
is conventional in type and of detail is higher than the You can reasonably expect to org/
construction is apparently in Homebuyer’s Report, a Building recoup some of the costs of a
reasonable condition and built Survey is more expensive. This detailed survey in your negotiated It’s a good idea to assist
within the last 30 years. The type of survey is required when purchase price. If expensive your surveyor by passing on
survey focuses on defects and a property is of an unusual defects are found, you’ll certainly information about the locality,
problems that are urgent and construction or has had extensive want to discuss costs ? if it’s a including any information you’ve
likely to have an effect on value. alterations, if it’s old, in need clean bill of health, think how gathered about properties that
According to the Royal Institution of serious structural repair or much happier you’ll feel when are for sale or have recently been
of Chartered Surveyors, the main if you’re planning a major buying ? sold in the area. Also, inform the
objectives of the Homebuyer’s conversion or renovation. surveyor of any potential problems
report are to: Choosing a surveyor that you noticed when you viewed
The final report will include Once you’ve worked out which the property.
• M ake a reasoned and informed detailed technical information on type of survey to go for, the next
judgement on whether or not the construction of the property, task is to find a suitable surveyor. Sources: www.bbc.co.uk/
to proceed with the purchase. materials used and a listing of Your mortgage lender or estate homes/property/ http://
• Assess whether or not the all major and minor defects. agent may be able to offer a www.adviceguide.org.uk/
property is a reasonable The report does not provide a recommendation, also don’t (Citizens Advice Bureau)
MERSEYSIDE COUNTY
TRANSITIONAL FAIR
Many Service Leavers (SL’s) who are planning to return to or move into the
Merseyside area may not necessarily know all there is to know about the
region. What are the employment prospects; how they register with a GP;
what schools are available for their children and so on.
To help ease the path back into Civvy Street, Merseyside Garrison is holding
a “County Transitional Fair” at which the 5 Local Authorities in the area
(Knowsley, Liverpool, St Helens, Sefton & Wirral) will each deliver a brief
presentation showcasing their respective Boroughs.
In line with the “Five Pillars” of Transition (E2H2W or more simply:
Education, Employment, Health and Housing & Welfare) visitors to the Fair
will be able to discuss, in detail and directly to officers of the Boroughs just
what each one has to offer. Additionally, there will be a Merseyside-centric
Employment stand (in conjunction with CTP and JobSeeker Plus),
an NHS-sponsored stand together with other participants, aiming to offer
Your time to Properties available in:
advice and help.
own a home Beds, Berks, Bucks, Herts
and London, through
The Merseyside Garrison CTF will be in support of the NorthWest Regional
Employment Fair to be held on 21 Nov in Salford.
with Paradigm shared ownership Venue:
is NOW! (part buy, part rent). TAC Drill Hall, Mather Avenue, Liverpool L18 6HF
20 Nov 2012 – 1400-1630 hrs
Timings:
Start: 1400 hrs
For more information Introductory Brief – CO 156 Regt RLC(V)
Call: 0845 337 4877 Local Authority Overview Briefs
Email: sales@paradigmliving.co.uk
www.paradigmliving.co.uk Stands available to visit
Close of CTF 1630 hrs
Page
Housing 16
Matters Advert Oct 2012.indd 1 31/07/2012 13:13Sales list of HOUSING
Former Married Quarters
m a t t e r s
Location Home Types Prices from Incentives/ For more information contact
Concessions
Lale Walk 3 bedroom £109,950 L/S* Annington’s appointed agents; Sharman Quinney,
Wittering, Cambridgeshire houses 38 St Mary’s Street, Stamford, Lincs PW9 2DS. Please call
01780 752136 or email: stamford@sharmanquinney.co.uk
Elmwood Avenue One bedroom £89,950 L/S* Annington’s appointed agents: William H Brown,
Colchester, Essex flats 141 High Street, Colchester CO1 1PG. Please call 01206 577772
or email: colchester@sequencehome.co.uk
Millson Close 2, 3 and 4 bedroom £295,000 L/S* Annington’s appointed agents: Bernard Marcus,
Whetstone, London houses 1285 High Road, London N20 9HS. Please call 020 8446 6888
or email: whetstone@sequencehome.co.uk
Annington Point 2 bedroom £105,000 L/S* Annington’s appointed agents; Fox and Sons,
Gosport, Hampshire maisonettes 10 High Street, Gosport, Hampshire PO12 1BX
and 4 bedroom Please call 02392 503733
houses or email: Gosport@sequencehome.co.uk
Peronne Road 3 bedroom semi- £160,000 L/S* Annington’s appointed agents: Fox & Sons,
Portsmouth, Hampshire detached houses 126 London Road, Portsmouth, Hampshire PO2 9DE
Please call 0239 267 1110 or
email: portsmouth@sequencehome.co.uk
Barton Road 3 bedroom semi- £115,950 L/S* Annington’s appointed agents: W H Brown,
Badersfield, formerly detached houses 5 Bank Plain, Norwich, Norfolk NR2 4SF. Please call
RAF Coltishall, Norfolk 01603 760044 or email: norwich@sequencehome.co.uk
Park Road, Longhoughton 2 bedroom terraced £75,000 L/S* Annington’s appointed agents: Your Move, 39 Bondgate Within
Northumberland houses Alnwick, Northumberland NE66 1SX. Please call
01665 603443 or email: alnwick@your-move.co.uk
Landy Close 4 bedroom terraced £122,950 L/S* Annington’s appointed agents: DB Roberts, 6 Oxford Street
Donnington, Shropshire and end of terraced Oakengates, Telford TF2 6AA. Please call 01952 620021
houses or email: oakengates@dbroberts.co.uk
Please go to www.annington.co.uk for a full Useful property Websites www.home.co.uk Useful Broker Websites
listing of all our forthcoming sites and to register
www.home-sale.co.uk The following websites offer
your interest. The following sites offer
information about a range of
properties for sale in the UK; www.linkprop.co.uk mortgages from different
some also offer properties to
Legal and Survey Fee Incentive (L/S) lenders.
rent and the opportunity to sell www.naea.co.uk
Annington will pay £750 towards the buyer‘s your home online. The larger www.cdvmm.com
legal fees and mortgage survey fee*. property websites also offer www.new-homes.co.uk
(*Subject to terms and conditions. Please ask www.charcolonline.co.uk
properties for sale abroad and www.primelocation.co.uk
the sales adviser on site or the appointed estate information and tips on home- www.moneyextra.com
agent for further details.) buying and mortgages. www.propertybroker.co.uk
www.moneysupermarket.com
www.belvoir.com www.propertyfinder.co.uk www.mortgage-next.com
All information is correct at time of going to press – www.estateagent.co.uk
August 2012. www.reallymoving.com www.siiap.org
www.findaproperty.com
www.fish4homes.co.uk www.rightmove.co.uk www.spf.co.uk
*Terms and conditions apply, please ask the sales www.hol365.com www.smartestates.com www.virginmoney.com
adviser or agent for further details
Page 17HOUSING
m a t t e r s
HOUSING
United Kingdom
PRICES
Average Price: £161,346 Quarterly Change: -0.3%, Annual Change -0.5%
Source: www.lloydsbankinggroup.com
Commenting, Martin Ellis, housing
1 Scotland 7 The West Midlands economist, said:
Average Price: £113,417 Average Price: £152,980 “The underlying trend in house prices
Quarterly Change: +5.9% Quarterly Change: -2.7%
Annual Change: -5.4% was flat in the three months to July
Annual Change: -1.3%
compared with the previous three months.
2 Northern Ireland 8 Wales House prices fell by 0.6% in July following
Average Price: £102,211 Average Price: £129,095 consecutive increases in May and June
Quarterly Change: -1.5% Quarterly Change: -2.5% as prices continue to fluctuate on a
Annual Change: -12.1% Annual Change: +1.3%
monthly basis.
3 The North 9 East Anglia “At a national level, house prices
Average Price: £123,298 Average Price: £157,495 have been very stable over the
Quarterly Change: -5.3% Quarterly Change: -6%
Annual Change: +1.6% Annual Change: -3.4% past year or so. This can
largely be explained by
4 Yorkshire and The Humber 10 Greater London the static nature of
Average Price: £115,539 Average Price: £266,198 supply and demand
Quarterly Change: +5.5% Quarterly Change: +0.2%
Annual Change: +2.9% Annual Change: +2.4% conditions during
this period. Looking
5 The North West 11 The South West forward, we expect
Average Price: £122,658 Average Price: £180,486 little change in prices over
Quarterly Change: -0.7% Quarterly Change: -2.5%
the remainder of 2012 so long as the economic
Annual Change: -1.5% Annual Change: -2.4%
climate in the UK does not worsen substantially.”
6 The East Midlands 12 The South East “Recent monthly house sales figures have clearly been affected by the ending of the stamp
Average Price: £141,139 Average Price: £224,696 duty holiday for first-time buyers in late March. Overall, the trend for sales – like that for
Quarterly Change: +1.5% Quarterly Change: -1.2%
Annual Change: +8.8% Annual Change: +0.9% prices – appears to be one of broad stability.”
Page 18ADVERTISING FEATURE
NOW AVAILABLE
ADVERTISING FEATURE
Parish
Green is top
for city and
countryside
HomeBuy Schemes in For house hunters looking for a stylish new home in a great village
Hampshire & Isle of Wight location, Parish Green at Lee Mill near Plymouth is certainly worth a visit.
Located between the commuter towns of Ivybridge and Plympton, Parish
When Melvyn and Cherish found out they were expecting their first child, Green is just two miles from Dartmoor National Park. The wide range of
they started to look at their options of getting onto the property ladder.
stunning village homes – including two-bedroom apartments and coach
“A family member told us about the part-buy, part-rent scheme as we houses, as well as a selection of two, three and four-bedroom homes – offer
knew we couldn’t afford to buy on the open market. We looked on the low maintenance, energy efficient living, each with two parking spaces.
internet and found out about our HomeBuy Agent for Hampshire and Isle
of Wight, HomesinHants.” Explains Cherish. Sales Manager Karen Heywood-Cann said: “Parish Green is attracting a
“Shared Ownership was ideal for us! We now pay under £600 each number of service personnel and their families looking for a new home
month on our mortgage and rent combined for a 2-bed house, and we in a village location which has great access to the cities of Plymouth
only needed a 5% deposit for our mortgage which made it even more and Exeter, as well as the region’s renowned coast and countryside”.
affordable for us,” says Cherish, “I’d recommend the scheme to any first
time buyers.” All homes at Parish Green include parking provision and benefit from
contemporary fitted kitchens and bathrooms, with PVC-u double glazed
If you are looking to buy a place of your own but are unable to do so on
the open market, and have a household income of less than £60,000, windows and a 10 year NHBC Buildmark Warranty.
the HomeBuy schemes could be for you. And what’s more, as existing For more information on the available properties and special offers at
serving MOD personnel, you have the highest priority to assist under the Parish Green throughout October please visit www.cavannahomes.
schemes.
co.uk or telephone 01752 690568
Contact your HomeBuy Agent for Hampshire, HomesinHants, on or email parishgreen@cavannahomes.
023 8062 8004 or visit the website www.homesinhants.co.uk for
co.uk.
further information.
Page 19You can also read
