Just 13 Weeks to Christmas!

With just three months to go to Christmas the question is can you move home in time? This Christmas will you be giving the kids a bigger chimney for Santa to climb down? Will you now have enough room for both sets of in-laws to stay over? In thirteen weeks it’s not going to be easy. You’ve got to find a new place to live, sell your current home and move out – and in. Can it be done?

Well Peter Ward Homes certainly think so and in the past number of years their buyers have done just that!

“Buying a new house in the Autumn and run up to the Festive Season means there is little time to get settled in before the end of December celebrations start and the New Year begins” said Sales Representative Craig Maurier, who is based at the company’s Habrough Fields, Immingham site. “It does mean you need to move quickly.

For those who want to sell their existing property then its a possibility but you will need to be organised. In this Blog we try to help those people who have set their sights on a Christmas move whether to one of our new homes or into an older property.

Once you decide to sell up you need to find and appoint an Estate Agent. To sell your home quickly we wouldn’t advise self-sell, if you do this you are relying on passing traffic or your own promotion. By using an agent they get you the buyer because that’s what they do! But therein lies the problem how do you stand out from the rest of their properties. One tip is to incentivise your estate agent. For example ask three agents to value your home and to pitch you their services. At the end, when they tell you what percentage of the sale will be their fee, tell them you will give them an additional 1% if they sell your home in a month or ½% if they sell it in two. Assess their presentation, services and response to your question and choose who you think is the best one. Remember nothing focuses an Estate Agents mind more than earning their fee!

So once you have appointed your agent what’s next. Well obviously you need to find your new home. In the case of Peter Ward Homes we have plots at Habrough Fields in North Lincolnshire that are either ready now or you will be able to move into by Christmas

Young couple with boxes in new home celebrating New Years

You can be in your new home for the Festive Season

“We have a lot of experience in getting people moved quickly” said Craig  “For example we have three of our 4 bed Sandridge housetypes for sale at Habrough Fields. Two are ready now and the third is the Show Home, that comes fully furnished. This will be ready to move into at the end of November. That gives time for the legal completion and moving in to take place”.

The story is the same for the other three 4 bed homes at Habrough.  One is completed and ready to move into and the other two are due for completion in October and November.  This gives buyers plenty of time to reserve plots and, if necessary, get existing homes on the market.

So, you have sorted out who is selling your old home and where you are buying the new one. Now there is just everything else that has to be done in between. Like a lot of things in life there is a Five Point Plan that will make this stage a success too:

STEP 1 Prepare your existing home for sale…

The obvious things are to tidy every room up and take out the clutter, do any necessary redecoration and make rooms look attractive to potential buyers. So turn that junk room back into a bedroom, clean the kitchen, put flowers in the living room and pot pourri in the bathroom. Look at your home as if you were buying it. Spend more time cleaning and tidying than baking bread and putting the percolator on!

STEP 2 Organise the purchase of your new home…

Establish all the costs including the sale price of your new home, all fees for conveyancing and moving, not forgetting stamp duty. Check you have enough money from the sale price of your existing home plus your savings and additional mortgage combined, for the new property. Don’t forget you may have to haggle over the price of your existing home so knock 5% off the price if you want to be on the safe side!

STEP 3 Choose someone you know or who are recommended for the conveyancing…

Some “busy” solicitors just firefight, giving their time and attention to your sale and purchase only when a problem arises. Ask friends if they would recommend the conveyancers they used? Look at hiring solicitors who offer a fixed-price No sale, No fee service. Explain that you have a deadline and if they can’t meet it they need to be honest. If not you will make their life a misery. And once you have chosen don’t be a pest but do cajole. And ask for milestone dates when things should be done by.

STEP 4 Secure your mortgage as early as possible…

You need to meet with your bank, building society or independent broker to see how much you can borrow and discuss whether a fixed or variable rate is best, repayment or interest only. Many people find that dealing direct with banks and building societies is a longer process, so consider a broker. Discuss timescales with your mortgage provider as lenders do have backlogs. For that first meeting take along your past three months’ pay slips and at least two annual P60’s. Provide details of any life assurance and if necessary pension arrangements. If you have any investments including deposit accounts ISA’s or shares bring proof of ownership. Print off bank statements from the past twelve months and take a utility and council tax bill. If self-employed, you will need at least three years of audited accounts. And proof of identity is a good idea, a passport is best. All this will help speed up the process. If you need to supply anything further try to take it in to the lender rather than post it.

STEP 5 Contact the removal company…

Blog Xmas Removals

Even though you don’t have a date, start to look at removal companies and save money by shopping around. If you move close to Christmas, bear in mind that removal firms get booked up and prices could rise. At your existing home, start to pack things away. Any large items or garage clutter can be put into temporary storage. Start thinking about time off work and save at least two days for the move. Moving mid-week is normally cheaper and gives you two extra weekend days.

So now you are all primed up what other advice is there for you? A great website to visit is reallymoving.com, a price comparison site with loads of advice on moving and that lists suppliers of services including solicitors, surveyors and removals. Right Move have some comprehensive guides and the Home Owners Alliance website (hoa.org.uk) is packed full of useful information. And don’t forget if you’re buying a home in East Yorkshire or Northern Lincolnshire spend some time looking at the Peter Ward Homes website. After all we brought you this article so we know it works! Happy moving and let us be the first to wish you a Merry Christmas in your new home.

Just 13 Weeks to Christmas!

With just three months to go to Christmas the question is can you move home in time? This Christmas will you be giving the kids a bigger chimney for Santa to climb down? Will you now have enough room for both sets of in-laws to stay over? In thirteen weeks it’s not going to be easy. You’ve got to find a new place to live, sell your current home and move out – and in. Can it be done?

Well Peter Ward Homes certainly think so and in the past number of years their buyers have done just that!

“Buying a new house in the Autumn and run up to the Festive Season means there is little time to get settled in before the end of December celebrations start and the New Year begins” said Sales Representative Craig Maurier, who is based at the company’s Habrough Fields, Immingham site. “It does mean you need to move quickly but by using FreeSell, a unique product to Peter Ward Homes, it can be made much easier. FreeSell is where we take on the responsibility for selling your existing home, it can shorten the sales period and get you into your new home in plenty of time for Christmas. Unlike a private sale, with FreeSell we appoint three Estate Agents so you get three times the effort and marketing of your home. As only the Agent who sells the home gets a commission, they all push harder for a sale than with a normal home on their books”

For those who want to go it alone and sell their own property then its still a possibility but you will need to be organised. In this Blog we try to help those people who have set their sights on a Christmas move whether to one of our new homes or into an older property.

Once you decide to sell up you need to find and appoint an Estate Agent. To sell your home quickly we wouldn’t advise self-sell, if you do this you are relying on passing traffic or your own promotion. By using an agent they get you the buyer because that’s what they do! But therein lies the problem how do you stand out from the rest of their properties. One tip is to incentivise your estate agent. Ask four agents to value your home and to pitch you their services. At the end, when they tell you what percentage of the sale will be their fee, tell them you will give them an additional 1% if they sell your home in a month or ½% if they sell it in two. Assess their presentation, services and response to your question and choose who you think is the best one. Remember nothing focuses an Estate Agents mind more than earning their fee!

So once you use a service like FreeSell or you have appointed your agent what’s next. Well obviously you need to find your new home. In the case of Peter Ward Homes they are promoting plots at their three sites across East Yorkshire and North Lincolnshire. They have homes waiting for those people wanting to move in before Christmas and enjoy the festive season in their new home.

Young couple with boxes in new home celebrating New Years

You can be in your new home for the Festive Season

“We have a lot of experience in getting people moved quickly” said Debbie Ward Sales Representative at the company’s Willows site in Goole “For example we have three of our 3 bed Woking housetypes for sale that will all be completed in early December. That gives time for the legal completion and moving in to take place”.

The story is the same at Habrough Fields where there are 3 and 4 bed homes either completed and ready to move into now or a number due for completion in October. This gives buyers plenty of time to reserve plots and, if necessary, get their own homes on the market.

So, you have sorted out who is selling your old home and where you are buying the new one. Now there is just everything that has to be done in between. Like everything in life there is a Five Point Plan that will make this stage a success too:

Prepare your existing home for sale…

The obvious things are to tidy every room up and take out the clutter, do any necessary redecoration and make rooms look attractive to potential buyers. So turn that junk room back into a bedroom, clean the kitchen, put flowers in the living room and pot pourri in the bathroom. Look at your home as if you were buying it. Spend more time cleaning and tidying than baking bread and putting the percolator on!

Organise the purchase of your new home…

Establish all the costs including the sale price of your new home, all fees for conveyancing and moving, not forgetting stamp duty. Check you have enough money from the sale price of your existing home plus your savings and additional mortgage combined, for the new property. Don’t forget you may have to haggle over the price of your existing home so knock 5% off the price you want to be on the safe side!

Choose someone you know or who are recommended for the conveyancing…

Some “busy” solicitors just firefight, giving their time and attention to your sale and purchase only when a problem arises. Ask friends if they would recommend the conveyancers they used? Look at hiring solicitors who offer a fixed-price No sale, No fee service. Explain that you have a deadline and if they can’t meet it they need to be honest. If not you will make their life a misery. And once you have chosen don’t be a pest but do cajole. And ask for milestone dates when things should be done by.

Secure your mortgage as early as possible…

You need to meet with your bank, building society or independent broker to see how much you can borrow and discuss whether a fixed or variable rate is best, repayment or interest only. Many people find that dealing direct with banks and building societies is a longer process, so consider a broker. Discuss timescales with your mortgage provider as lenders do have backlogs. For that first meeting take along your past three months’ pay slips and at least two annual P60’s. Provide details of any life assurance and if necessary pension arrangements. If you have any investments including deposit accounts ISA’s or shares bring proof of ownership. Print off bank statements from the past twelve months and take a utility and council tax bill. If self-employed, you will need at least three years of audited accounts. And proof of identity is a good idea, a passport is best. All this will help speed up the process. If you need to supply anything further try to take it in to the lender rather than post it.

Contact the removal company…

Blog Xmas Removals

Even though you don’t have a date, start to look at removal companies and save money by shopping around. If you move close to Christmas, bear in mind that removal firms get booked up and prices could rise. At your existing home, start to pack things away. Any large items or garage clutter can be put into temporary storage. Start thinking about time off work and save at least two days for the move. Moving mid-week is normally cheaper and gives you two extra weekend days.

So now you are all primed up what other advice is there for you? A great website to visit is reallymoving.com, a price comparison site with loads of advice on moving and that lists suppliers of services including solicitors, surveyors and removals. Right Move have some comprehensive guides and the Home Owners Alliance website (hoa.org.uk) is packed full of useful information. And don’t forget if you’re buying a home in East Yorkshire or Northern Lincolnshire spend some time looking at the Peter Ward Homes website. After all we brought you this article so we know it works! Happy moving and let us be the first to wish you a Merry Christmas in your new home.

5 Top Tips for First Time Buyers!

House and keys

Buying your first home is a huge decision and can seem a daunting prospect. At Peter Ward Homes, we have helped thousands of buyers take the first step onto the property ladder. To help First Time Buyers, we have come up with 5 top tips to help get you started on looking for your new home.

1.  Do your research!

As a First time buyers you need to know as much as you can about the market. Research the area where you are considering buying. What are the facilities like? What about transport links? Check on line or visit the area to get a real idea of what it might be like to live there.

2. Financial support 

Calculate the likely ongoing costs of all things such as heating, lighting, stamp duty etc. before finalising the maximum price you will pay for your first home. Get as much advice as possible on how much you can borrow, what deposit you will need and how much to allow for all the costs. It is best to take this step before you start viewing to ensure you are looking at appropriately priced properties.

3.  Selection 

Know what you are looking for – whether it’s a 2, 3 or 4 bed. Work out what kind of property you need. Who are you catering for? What area do you want to be in? Knowing what you want will make it easier when it comes to looking for your property.

4. Get family/friend advice 

Speak to people who have already been through this process as they will be able to give you advice and guidance. They may point out issues that you may not have considered.

5. Visit a number of show homes 

Make sure to have a good look round a number of potential properties and list the pros and cons of the ones you see. Don’t be swayed by the design of the kitchen etc. the position of the property is the first thing to focus on as it is the one thing that can’t be changed. Also consider the size and layout.

 

How to keep your home warm this winter!

454971487For those of you who have been unlucky (or lucky) enough to have been hit by the snow these past few weeks, you may be in desperate need of keeping out the cold. We have come up with 10 top tips that will help keep you and your Peter Ward Home warm!

1. Put up curtains

A set of heavy curtains can block out drafts of air. You don’t have to have them shut all the time as the sun shining through the window will warm up the room.

2. Close and seal all doors 

A closed door makes that room another barrier between you and the cold outdoors. It also stops air from circulating as much, which reduces heat loss. So if you are one for leaving doors open around the house, try closing them and see how the rooms will become warmer. You may also want to check around the door frame and under the door. Maybe invest in a door sweep or just simply place a towel there to block any draft.

3. Put down a rug 

If you have laminate or tiled flooring, try covering it with a rugs. Rugs and carpets help prevent heat loss through the floor so when you walk across it your feet will generally feel warmer.

4. Cook

A spot of cooking is a good way to not only warm up your stomach but your Kitchen too. The oven will help to dry the air and heat the room.

5. Drink warm liquids

A nice cup of tea, coffee or hot chocolate will really raise your core temperature. What better way to relax and stay warm!

6. Electric blanket

An electric blanket can keep you very warm and comfortable in the night and it is more economical that an inefficient and expensive old wall heater.

7. Hot water bottle 

A hot water bottle is the ideal winter accessory to snuggle on the sofa and is at a very affordable price.

8. Dress warmly

A onesie or fluffy dressing gown may come in very handy during the winter time. Dressing in layers with warm socks and slippers combined with a hot drink, will not only give you a great amount of warmth but is the perfect way to wind down after a long working day.

9. Exercise

Moving around produces body heat so there is more to staying active than great health benefits.The more active you are, the better your blood circulation will be. This means that warm blood gets to your fingers and toes, keeping them warm.

10. Light candles

Candles not only look and smell nice but are a cheap way to keep your home all toasty this winter.