Arnoald & Philips intials logo

Blog

LATEST UPDATE

Published: Jun 3, 2021

Ormskirk Water Tower - Historic Property Turned Modern Luxury

Old water towers are something of a familiar sight, effusing an air of mystery and a sense of curiosity. Dotting the skylines of towns and cities across the country, abandoned towers can become derelict eyesores once they cease to be useful - their historic and cultural value often preventing them from being torn down. Find out more about the water tower's stunning transformation!

Room By Room Guide: Stage Your Home W/ Molly Marshall

Room By Room Guide: Stage Your Home W/ Molly Marshall

Looking to stage your home but don’t know where to start? Get more Molly Marshall tips & tricks that will make your home stand out on the market! 

Loved the first video in our home staging series? Get an in depth look at how to stage your home in this room by room guide. 

Get some amazing tips so your house will sparkle on the market! 

 

Staging Open Plan Living/ Kitchen Area

Open plan living can be confusing to style, but Molly shows us how to define your living areas and ways to avoid clutter and make the most of your home when staging. 

 

Molly tells us, it’s all about the accessories, using velvets and textures can make a home look luxurious, we especially love the tips on using feather pillows over polyester...

What tips will you use in your home?

 

How To Stage Your Bedrooms

A few simple adjustments to your bedroom can transform the area and create a luxurious setting that people will dream about living in! 

 

Molly shares that pops of colours are a great way to make a property stand out, especially using colours that tie in with surrounding nature. In this property she used greens and natural tones, what colours would you love to use?

 

Need More Tips - Get Molly’s Top Five! 

 

 

It’s amazing how well these tips and tricks can really transform your space. If you’re planning to sell your home and need help staging, don’t hesitate to call Molly! Find Her Here

Head over to our social media channels and let us know which tips you will be using, find us on Facebook and Instagram

 

Missed out on our first blog, read now! 
Home Staging & How to Sell Your House W/ Molly Marshall

Home Staging & How to Sell Your House W/ Molly Marshall

Getting your property ready to sell can be both exciting and stressful - with all the bustle of getting ready to move decorating and styling can often be the last thing on your mind… We...

We spoke to Molly Marshall who takes all the stress away with her expert Home Staging. We followed her at the beautiful Wybourne Gate, Southport in the first video in our Home Staging series.


Keep scrolling for the full blog.

 

 

Want to learn more about Molly’s process? Read the full interview below 

We sat down with Molly for a chat after she had staged Wybourne Gate to find out about what is the process of staging a home and what to consider when coming on the market.

 

Q. How did you get started in Home Staging Molly?

I got started in home staging when I was approaching 50. I had worked in radio all my life, and I decided I want to do something completely different. 



Q. Many get confused between Home Staging and Interior Design, tell us what is the difference?

There absolutely is a big difference in home staging and interior design. They are actually at opposite ends of the spectrum. An interior designer will spend a lot of time with you talking about the way you live the way you spend time in a property, they might do mood boards for you and their aim will be to make an aesthetically pleasing property for you to live in. 

Staging is all about preparing a property to sell. It is a marketing tool, nothing else. The aim of staging is to get your property sold quickly for the best price possible.

 

Q. You have worked with us on many projects, how do you find working with A&P?

Arnold & Phillips employ professional photographers and videographers, which is really important, plus, great for me as it allows you to capture the detail I have put in when staging. 

I reached out to A&P when David Arnold came to value my property, I took the opportunity to pitch my business to him over the kitchen table and he was great. He said that he understood and that presentation was really important and so we decided to work alongside each other. 

 

Q. What is your favourite style of property to work on?

I love working on any property!  I can see huge positives in any home I walk into, whether it be £50,000, or 5 million, I can always see the positives. I get a buzz from making homes look lovely.

 

Q. What is your process when staging a home? 

There are different types of staging, it can either be a property that's completely empty, which is a blank canvas, which is really easy for me to do. 

Or, the more difficult stages are when people actually live in the property and then it's a case of walking around every room and advising on how best to present that room. The biggest hurdle to overcome is clutter. We all have too much stuff and clutter is not good. 

I always say to people, this is the first stage now, start packing up, take your photographs down and things that aren't essential. It's the first stage of moving on, which will make your property look clear and tidy.

 

Q. How many rooms would you typically stage?

If it's an empty property, I will say that you need to stage a minimum of one bedroom and living area.

If people are working to a tight budget, we try to work with what they have with added touches. I always over deliver because I want the property to look nice. It might be the case that I say to people, I will put some fabulous mirrors, some lamps, and some nice new cushions and throws. So, replace what they've got with my items that will make a difference.

 

Q. Is it all about the furniture or do you incorporate smells? They say baking bread sells a home…

One of the biggest turn offs for people when they come into a house is smells. So I always say put nice diffusers around, it doesn't have to be freshly baked bread or brewed coffee.

 

Q. How have you seen the property market change over the years?

Since the birth of the internet, what you have to remember is that marketing and your photographs is your shop window. They have to look as good as they possibly can, you only get one chance to make a first impression. 

They say that people decide if they like your home or they don't, within the first minute of walking through the front door. So get it ready and go in with a bang, not with a whimper - make it look as good as you possibly can and if you need help give me a call!  

 

Find out more about Molly here

 

Molly’s Top Tips

 

Looking to get on the market? 

Get in touch with your local branch and enquire about a no fee valuation or send us an enquiry here
 
 
 
 
 
 
 
 
 
First Time Buyers, How A 95% Mortgage Could Help You

First Time Buyers, How A 95% Mortgage Could Help You

First-time buyers with small deposits may now find it easier to get a mortgage, with 90% and 95% deals becoming easier to access. But how will this help you?...

First-time buyers with small deposits may now find it easier to get a mortgage, with 90% and 95% deals becoming easier to access. The government recently announced a return of the 95% mortgage in order to help turn ‘generation rent’ into ‘generation buy’. But how will this help you?...

Nine in ten 90% and 95% mortgages were withdrawn from the market in the wake of the Covid-19 outbreak last spring, says Which.  

A year later, things are starting to look better for first time buyers, with mortgage lenders bringing back 90%, and a selection re-introducing the 95% mortgage guarantee scheme.

 

What is the 95% mortgage guarantee scheme, and how can it help?

95% mortgages, allow you to enter the market with only a 5% mortgage, making it easier for first time buyers with small deposits. 

The scheme has been encouraged by governments to turn “generation rent, into generation buy”, and as a result the scheme involves the government taking on some of the financial risk e.g. If a buyer was to default on repayments. 

The guarantee has so far been successful, with 78 fixed rate 95%* deals now available to the market, at the start of March there were only five. 

 

How much can I borrow with a low-deposit mortgage? 

It is important to look at how much you can borrow, not only so you can enter the market with a price point in mind, but so you don’t look at properties and fall in love with those beyond your means. 

When taking a 90 or 95% mortgage you can usually* borrow up to four and a half time your income (or joint income). Although, there are exceptions with some lenders. 

 

All in all, we can see that the market is getting better for first time buyers and this is an exciting time to start getting your foot on the ladder. If you want to take advantage of the schemes pop us a call today! 

Still a little confused?  Call your local branch and we can help you find a mortgage advisor!

Helpful Information For First Time Buyers

 
Why We Love Southport - Take A Tour Today

Why We Love Southport - Take A Tour Today

Discover what makes Southport an idyllic place to live with Heather… From award winning golf courses to golden coasts we want to show you our Southport highlights.

With award-winning beaches, peaceful woodland and views out to the serene Irish Sea, Southport is truly the picture-perfect place to live, if you want to learn more about Southport why not take a tour with Heather and discover what Southport has to offer.

 

 If you think Southport could be for you, why not take a look at some of our amazing properties in the area - here are just a few of our favourites! 

Our Southport Branch’s Top Picks

 Lulworth Road, Birkdale

 

This well-presented two-bedroom duplex apartment is sure to be popular, it is located attractively within this gorgeous Victorian apartment complex along Lulworth Road in Birkdale, Southport. 

Here

If you like this we also have another apartment in the building here

 

Ash Street, Southport

Extending to a generous 2,278 square foot off modern yet traditional living accommodation residing within a good sized plot with four bedrooms along the popular and well-situated Ash street, internal inspection is highly advised to fully appreciate all this vibrant property has to offer.

Here

 

Guinea Hall Close, Banks

 

Located on an attractive corner plot in this pleasant 20-year-old Redrow development in Banks, West Lancs. With off-road parking for two vehicles and a well-manicured front garden, this modern property is ideally situated within the attractive village of banks and is within close proximity to highly regarded local schools, with the property also benefiting from particularly good transport and commuter links into Southport, Preston and beyond. 

Here

 

Preston New Road, Churchtown

 

‘The Sycamores’ - a substantial detached residence located within Churchtown, Southport. This versatile property is the epitome of modern grandeur, from the beautiful entrance hallway with its magnificent oak and glass staircase. This home has so much to love, like, breathtaking open plan family room, stunning feature log burner and exquisite bar area, featuring a stunning state of the art designer kitchen, this property exudes contemporary elegance

Here

 

Coming soon… Keep an eye out for

Guinea Hall Mews - Banks 

 Keep an eye out for a new property coming on Guinea Hall Mews, Banks, this one is sure to be popular! This Four bedroom townhouse has ample space and so much potential for growing families. 

Why not register with us for new property listings here 

or call us for more information on 01704 778 668 

 

Why choose Southport?

Our Regional Manager David Moorcroft tells us why...

 

 

I have lived in the Southport area for many years and enjoy the beautiful variety of parks and family friendly restaurants. Me and my family love nothing better than having a weekend stroll with the dogs in the parks or beach - It truly is an idyllic place.

Having lived in the town for many years, I am proud to sell in the area and know it well, which helps me find the perfect home for you! 

There is a home for all in Southport, so if you are looking for a coastal cottage, historic build or modern apartment our Southport Branch would be happy to help whether buying or selling…

Get in touch on 01704 778 668.”

 
Video Tour: Why We Love West Lancashire

Video Tour: Why We Love West Lancashire

We are passionate about the areas we cover and we want you to see what makes West Lancashire a place you can call home. We chose a couple of stand out areas. West Lancashire is a nature lover's...

West Lancashire is a nature lover's dream, with green belt land, homes off the beaten track as well as beautiful properties embedded in busy market towns that are full of history. 

Take a tour with Heather and discover all West Lancs has to offer

 

From Ormskirk to Aughton, West Lancashire has so much to offer. 

 

Our Ormskirk Branch’s Top Picks

92 New Street, Halsall

Set on a large plot in highly desirable Halsall village is this fabulous, six bedroom, detached former farmhouse. The property affords 3265 square feet of sublime family living space to include a detached outbuilding which would be perfect for conversion to a home office. 

More here

4 Moss Delph, Ormskirk 

Located along the much sought after Moss Delph Lane in Aughton, this detached home is pleasantly positioned comfortably back from the road and residing within a generous plot. This one is perfect for growing families with four bedrooms with a well flowing floorplan.

More here

Oak Cottage on Dark Lane, Aughton

The home's elegant grandeur marries perfectly with its fine surroundings, and displays a wealth of period features and a finish of the highest standard... This home offers far more than the just the curb appeal afforded by its handsome facade, with a vast 3642 square feet of living accommodation and a truly impressive floor plan

More here

 

Keep an eye out for: The Water Tower

 

**360 virtual tour now available!** This gorgeous three bedroom top floor triplex apartment exudes character and style in equal measure, and simply must be viewed to appreciate not only the generous levels of space and magnificent views towards Blackpool and the Cumbrian hills, but also the thoughtful design, both of the interior of the property, but more generally, the development itself which has seen the renovation and restoration of one of Ormskirk’s landmark buildings ‘The Water Tower’ which was originally built around 1850 and boasts six storeys topped by the large metal water tank which forms the third level of this stunning home.

Apartment 1

Apartment 2

 

Coming soon

Keep an eye out for a new property coming on Altys Lane, Ormskirk, this one is sure to be popular! With three bedrooms and a potential loft room this family home has ample space and so much potential..



Why choose Chorley? Discover from our Property Consultant Lisa!

 

 

“From day one, working in our Ormskirk branch was always about delivering something really special and knowing our area inside and out. 

 

My favourite area in particular is Burscough, particularly the amazing pubs by the side of the canal. On a sunny day it is a beautiful place to sit outside and look out over the beautiful surroundings with a glass of fizz in hand. There is a great atmosphere and it feels like home to me. 

 

If you would like to learn more about the area, give me a call! I have lived and worked in the area for many years and can help find the ideal place for you. 

Get in touch on 01695 570102.”

 

 

 

Why not register with us for new property listings here 

or call us for more information on 01695 570102

 







Could Chorley be the perfect home for you?

Could Chorley be the perfect home for you?

In recent months we have had a variety of new properties and an abundance of customers asking for whats new in the area... But why is Chorley proving so popular, find out more about the Chorley...

From the green hills of the Pennine Moors to the town centre, Chorley is a picturesque town which flows around the beautiful Leeds and Liverpool Canal with several locks and marinas located throughout the area. These amazing natural spots really do make Chorley the ‘green and pleasant land’.

Take a tour with us today! 

 

This former mill town has transformed into a bustling town centre with a variety of independent shops, well-known national stores and entertainment venues. Chorley’s residents can also enjoy easy access to Preston, Manchester, Wigan, and Southport. 

The crown jewel of the town which attracts many is the Flat Iron Market which has been established for hundreds of years and takes place every Tuesday with a wide range of market stalls, which still remain at the heart of the town. 

Although, the markets are not the only draw, with a new cinema complex, mini golf and an abundance of dinner and cocktail bars in the town centre - chorley has become a perfect town for all ages. 

 

Our Chorley Top Picks

Bolton Road 

Being one of only two identical homes, an exciting opportunity has arisen to acquire this brand new Freehold four bed detached residence which has just been completed and is available for immediate occupation with the benefit of no onward chain. 

Click here for more

 

Park Royal Court 

 

This well-presented mid-town house spans in excess of 880 square feet and boasts an extremely flexible floorplan which offers an abundance of options of use for the growing family, it has bright living areas and high-quality fixtures and fittings.

Click here for more

 

Winslow Place

 

This elegant, detached home occupies an enviable position on this highly regarded new build development within easy reach of Chorley’s bustling town centre. Constructed by Miller Homes, a quality builder renowned for their attention to detail, high standards of finish and thoughtful design, this beautiful home exudes charm.

Click here for more

 

Springs Road 

 

Calling first time buyers, or for those looking to downsize, this three bed mid-terrace property could be for you. The home has been lovingly taken care of and is a credit to the current owners. In a desirable location with a beautiful garden and an ample driveway, the home is sure to be popular. 

Click here for more

 

Coming soon

Looking for something larger, or something you can put your own stamp on?

Discover a new home situated on the edge of Astley Park in the former grounds of Astley Hall in Chorley, this beautiful architecturally designed detached five bedroom family home offers impressive accommodation that could quite easily allow three families to live independently. 

Why not register with us for new property listings here 

or call us for more information on 01257 241173

 

Why choose Chorley? Discover from our Property Consultant Sharon!

 

“I have lived in Chorley all my life, and I wouldn't move anywhere else! The people are friendly and there is definitely a sense of community. I have never had any trouble commuting either being just a stone's throw from motorway links. 

Plus when I feel like getting away from the town, there are so many green spaces and parks, but my favourite spot is rivington, which is perfect for long walks, plus the views are amazing!”

Being from the Chorley area, and bringing on new properties everyday allows me to keep on the lookout for your ideal property. 

Would you like to register your interest, give me a call and we can keep on the lookout for your perfect place… Get in touch on 01257 241173.”

 

 

 

 

 


Take a look at our current Chorley stock.

Why Banks, Southport might be the area to buy into right now...

Why Banks, Southport might be the area to buy into right now...

In recent months we have had plenty of houses come to market with us in the Banks area, and we have seen each one get a large amount of interest. With more and more interest and new homes being...

In recent months we have had plenty of houses come to market with us in the Banks area, and we have seen each one get a large amount of interest. With more and more interest and new homes being brought on with A&P we wanted to take a look at what makes this West Lancs area so desirable?

Situated on the West Lancashire Coastal Plain, this quaint village attracts walkers and cyclists in with its scenic settings, but the beauty point of the village is the 150-year-old St Stephens Church. St Stephens Church holds many festivals including the Banks Flower Show for residents to enjoy each year.

With a small selection of wine bars and shops, this village is picturesque and peaceful.

Banks is ideal for those looking for a rural haven with excellent transport links for working professionals to Southport, Formby, Crosby, Bootle, Liverpool and Preston.

Looking for properties in the area? Find out what we have currently on the market below. 

 

Currently for sale!

Long Lane, Banks

Amazing views, beautiful land and leisure facilities  |  Long Lane, Banks

Set within a generous 3.6 acre plot, this substantial family home spans in excess of 4,100 square foot of prime living accommodation over three floors, including seven bedrooms, four reception rooms, a swimming pool and extensive workshops!

On the market £799,000

 

Long Lane, Banks

Spacious and unique family home   |  Long Lane, Banks

This well-proportioned family home is conveniently located close to a range of local amenities. With its unique and spacious floor plan, internal inspection is highly advised and early viewing will be essential to avoid disappointment.

Offers in the Region Of £205,000

 

Plus, more properties on our website!

 

Keep an eye out, luxury Banks property coming to market soon…

 

Keep an eye out! Coming soon to the Arnold and Phillips website is a luxury equestrian property situated in three acres of prestigious West Lancashire countryside.   

The new property is a flexible family home, with plenty of outdoor spaces, including a triple garage, annexe and office space, with an exemplary fit and finish. It is sure to be snapped up soon. Video tour coming next week!

Want to learn more about this superb property?  Please get in contact with the Regional Manager, David Moorcroft.

Email or Call 01704 778 668

 View all Banks properties here 

 

 

 

Register with us today and receive property updates and alerts!

Just let us know a couple of details and we can find the perfect home for you!

 

 
 
Help to buy equity loan (2021 - 2023) update

Help to buy equity loan (2021 - 2023) update

If you’re a first-time buyer in England, you can now apply for a Help to Buy: Equity Loan. T he new Help to Buy: Equity Loan scheme (2021-2023) is now accepting applications with buyers...

If you’re a first-time buyer in England, you can now apply for a Help to Buy: Equity Loan. The new Help to Buy: Equity Loan scheme (2021-2023) is now accepting applications with buyers able to move into properties from 1 April 2021, find out more about this and decide if it could be for you!

The Help to Buy: Equity Loan scheme (2021-2023) aims to make it easier for First Time buyers to achieve a smaller deposit and get on the ladder quicker. With this particular scheme the first time buyer will only be able to put these funds towards the cost of buying a newly built home

Please note: 5% is the minimum deposit, it is not capped. If you have a larger deposit you will be able to put this down also.

You can borrow (loan) a minimum of 5% and up to a maximum of 20%, although this differs due to location, e.g. you could borrow up to 40% in London. This percentage will be based off of the full purchase price of a new-build home.

(Breakdown of deposit, equity loan and mortgage structure)

 

Is this scheme for you? Am I eligible?

  • Borrowers must be a first-time buyer
  • The new build home must be within the relevant regional price cap.
  • Not own a home or residential land now or in the past in the UK or abroad
  • Not have had any form of sharia mortgage finance.

 

If you have this scheme in mind, we suggest that you check that the homes you intend to view are from a homebuilder registered for Help to Buy: Equity Loan. 

As with previous schemes, the government will lend first-time buyers in England up to 20 per cent of the cost of a new-build home or 40 per cent in London, with borrowers required to pay a further five per cent deposit. The remainder is then made up of a mortgage. The loan is interest-free for five years.

The new scheme has brought in a minor change, Help to Buy will now have regional price limits set at 1.5 times the average first-time buyer price in each region of England.

In the first 5 years:

  • The equity loan is interest free
  • You pay a £1 monthly management fee by Direct Debit

     

After 5 years:

  • Pay the £1 monthly management fee
  • Pay monthly interest fee of 1.75% of the equity loan
  • Interest rate will rise each year in April by the Consumer Price Index (CPI), + 2%
  • Continue to pay interest until you repay your loan in full

 

Please note: When you take out your equity loan, you agree to repay it in full, plus interest and management fees by the end of the loan term, or when you sell your home.

With this scheme, the amount you pay back is worked out as a percentage of the market value at the time you choose to repay.*

 

So why choose an Equity Loan?

Using an equity loan rather than the traditional 10-15% deposit has some major key benefits.

Firstly, you can get on the property ladder quicker as you will only need a 5% deposit. It will also mean that you have better access to mortgages, as you’re only borrowing (mortgaged) 75%, instead of up to 95%. 

Plus as Help to Buy equity loans are a percentage of the property value, rather than a set cash amount, you could end up paying back either more or less than you borrowed, depending on whether your home rises or falls in value.

 

 

 

Confused about other loan types, and how to get on the ladder as a first time buyer? Don't worry, simply call your local Arnold & Phillips and we can help find a mortgage advisor that will be there to answer all your questions. Get in touch today 

 

Government outline for Help to buy: equity loan scheme (2021-2023)

 
Change to UK Homeowners rights - how will you be better off

Change to UK Homeowners rights - how will you be better off

The 7th January 2021 marked the biggest change to British Property Law in nearly 40 years, find out how these changes could affect you! For some leaseholders, these changes could save them...

The 7th January 2021 marked the biggest change to British Property Law in nearly 40 years, find out how these changes could affect you! For some leaseholders, these changes could save them thousands, if not tens of thousands of pounds.

The Housing Secretary Robert Jenrick, announced millions of leaseholders would be given the right to extend their lease by a maximum term of 990 years at zero ground rent.

These changes will mean that those who choose to extend a lease on their home will no longer pay any ground rent to the freeholder, enabling those who aspire to fully own their home can.

But what does that mean for you and the property market? 

Extending or buying additional time on your leasehold property can make it more attractive to a potential buyer, and you can see your house's value climb and potentially get those offers pouring in, which is good news if you are thinking of getting on the market!

Housing Secretary Rt Hon Robert Jenrick MP said: “We want to reinforce the security home ownership brings...These reforms provide fairness for 4.5 million leaseholders and chart a course to a new system altogether.”

The changes have come into action after a series of debates brought to the attention of the government, over several years, when it emerged some flats and houses had been sold with clauses that meant ground rents would rise dramatically in years to come.

Previously, leaseholders of houses could only extend a lease for 50 years - once, then they would go on to pay a ground rent. 

Although, flat owners could do so numerous times with a ‘peppercorn’ rent usually up to 90 years. Often, these barriers could arise problems for both sets of homeowners.

Under the new reforms, both will be able to extend to up to 990 years with a ground rent at zero, and all new retirement properties will be sold without a ground rent.

(As advised by the Law Commission, read more here)

The government is also aiming to ensure a set calculation rate so the process is fairer, cheaper and more transparent, as well as abolishing prohibitive costs like ‘marriage value’.

Plus, more good news, as further measures have been introduced to protect the elderly. As prior measures have outlined the process will also restrict ground rents to zero for new leases to make the process fairer for leaseholders. This will also now apply to retirement leasehold properties (homes built specifically for older people). 

This allows purchasers of these homes to have the same rights as fellow homeowners with more security from uncertain practices.

Keep an eye out!

If you are looking to extend your lease the .gov website have also announced an?online calculator will be introduced. The calculator will help you discover how much it will cost to buy the freehold or extend a lease.

 

What are the main changes?

  • Leaseholders will be given the right to extend leases by 990 years, with a ground rent at zero.
  • The reforms aim to save homeowners thousands*
  • Our elderly community are also protected by reducing ground rents to zero for all new retirement properties

 

Confused the difference between leasehold and freehold?

The difference in property types can often be confusing. We have a blog that can help you understand, "Jargon busting: Leasehold, freehold and commonhold"

Do you believe these changes will make you feel more secure? 

Let us know on our social channels! 

 

More information on the Ministry of Housing, Communities & Local Government here 

 
  1. 1
  2. 2
  3. 3
  4. 4
Showing page 1 of 4

THREE
LOCAL
OFFICES...

Arnold Philips Logo