Published: Jan 13, 2021
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 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?
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
Arnold & Phillips will always be here to support you during your time on the property market, our level of support will be no different during the second national lockdown. Discover the latest...
We really hope you are all keeping well, both physically and mentally following the new national lockdown announcement.
At this point many of you understand what the latest guidance and restrictions mean to you and your family, but what does it mean to the property market? The guidance has changed since the first lockdown in March 2020, the government has confirmed that the property market should remain open for business.
We are pleased that all ongoing sales can progress in the usual manner and our team of sales specialists will continue to work hard on our buyers and sellers behalf to ensure properties complete in a timely and stress free manner.
Property appraisals and viewings can also continue to take place - all under our strict Covid secure procedures.
We can also continue to put new properties on the market for sale and we are already seeing there is an appetite from sellers to do so. There are still more buyers than available property which suggests that now is still a very good time to market your home for sale.
The safety of our staff and all our clients is our priority so we will help and advise you every step of the way. All our offices continue to operate, so please do not hesitate to contact us.
We wish you all the very best for 2021.
- David Arnold, Managing Director Arnold & Phillips
What are the current guidelines I have to follow? (buyers & sellers)
If you are going to view a property we insist you take a look at our website and carefully consider if this property is suitable and if you are in a position to proceed.
To help you, you can find the below on our website,
Then if you’re still interested, call your local branch to make a booking.
Please note: If any member/s of the household are showing symptoms or self-isolating then please let us know as soon as possible and we can rearrange any viewings.
When attending a viewing we ask:
When showing your property we ask:
Will you still be able to value my property?
Yes, we will still be conducting valuations. We will be conducting “covid safe” valuations following the latest government guidelines. We will then get you on the market as quickly and efficiently as possible with a limited amount of contact with external parties. We have both professional photographers and videographers working for us full time that will safely and swiftly get the assets we need to get you live. Book a valuation today
Can I come into the branch?
Instead of visiting us in branch you can telephone us to discuss anything you may need - During the lockdown we are following government guidelines and urging you to stay at home where you can.
Get in contact with your local branch
We will be keeping an eye on any changing information here
*Update dated 07/01/2021*
Setting the right asking price is a key element in selling your property, but do you know how much your home is actually worth? Getting your figures correct can often be as much about feel as...
Setting the right asking price is a key element in selling your property, but do you know how much your home is actually worth?
Getting your figures correct can often be as much about feel as it is facts - although you certainly shouldn’t neglect doing the necessary research when selling your home!
The first few weeks of any property sale are key, so it’s vital that your home is listed correctly from the start if you want to gain that all important flurry of initial interest. Going too high and you’ll struggle to get people through the door, but go too low and you could potentially leave money on the table. Balance is essential.
Find out how we get the best figure for your property from one of our expert valuers David Moorcroft.
David Moorcroft - Regional Manager.
With over 10 years of property sales experience and management across multiple sectors, I thoroughly enjoy valuing all kinds of properties and am committed to providing you with a tailored and first-rate bespoke service throughout your sales journey. My role is to provide you with relevant, concise and considered advice which will help you to make an informed decision when selling your property.
Some key factors we look at when appraising a property is the size of the property in question – there is a value to how big or small the property is.
Comparable properties – what has sold close by, was it similar and how much did that property achieve?
Interior fit and finish – how much has been put into the property and how much would the prospective new owner need to consider spending?
Finally, seller motivation plays a large role in establishing an initial market price. How keen a seller is to sell can impact whether a property comes to market at, under, or above market value.
All these variables, along with many others, are all accessed on a market appraisal and a figure is derived taking the above into consideration.
There are many things to consider here, from interior fit and finish to exterior curb appeal. Having a property in its peak condition should lend itself better to a more productive sales process. Finishing off odd DIY jobs around the property helps. Presenting a clean, uncluttered property helps show the proportions of your home in its best light. Displaying a good neutral level of decorative finish throughout also helps the potential buyer visualise themselves in your property. Having somebody feel at home in your home is often a challenge, but one that can really help attract a potential buyer.
Some handy tips & trips to consider on a viewing:
Keep internal doors open as it presents a better flow to your property.
Keep it clean, fresh and well lit. Modern interior decoration can go a long way, we suggest neutral palettes.
Homely touches such as fresh flowers, vibrant fruit bowls and non-scented candles burning can be a great tool in allowing the viewer to relax and enjoy the property.
What do you most enjoy about your property? Chances are, they will see value in this also. Have a nice log burning fire – light it! Recently installed ambient lighting – Turn them on! This is the time to show your home off in its best light!
The housing market is currently experiencing an unprecedented surge in activity across all sectors. The reasons for this, incorporating the current economic and political climate, stamp duty land tax holiday, influx of new properties to market and excellent interest rates on mortgages at present.
There has never been a better time to sell a property and Arnold & Phillips are highly adept at maximising our percentage to asking price on properties across the board.
Whilst nobody initially brings a property to market with a view to reducing their price, this is sometimes a necessary tool in boosting the marketing and saleability of your property, after a period of marketing inactivity or feedback from viewers.
A reduction in price is almost the same as a new instruction to market and enables us to match it out to prospective buyers and shows your motivation to sell. Our responsibility and commitment to you is to price your property accurately the first time, every time. A considered and objective market appraisal will enable your property to perform to its best capabilities.
Are you interested in coming on the market? Get a valuation booked in!
It’s a question we get asked alot over the festive period… “Should I wait or come off the market over Christmas?”
It’s a question we get asked a lot over the festive period…
“Should I wait or come off the market over Christmas?”
Christmas and new year is a time for new beginnings, as well as families cramped in the dining room wishing it was that bit bigger… With a busy house mixed with wanting to start fresh in January, the housing market can be seen to pick up, and have more online visitors than normal.
This year we hope the online interest will be no different. We have already seen many crave a move after working from home for many months, and the new year may just set their property journey in motion...
It's unlikely that if you put your house on the market you will get a rush of viewings between Christmas and New Year, but we do see that rightmove previews and website registrations typically do climb during the festive/ new year period. Whatever the reason, there is a lot of traffic online from Christmas day onwards.
Staying on the market at this point may just help you get seen by that serious buyer you need. Although, if you are among those that come on in December you can also stand out as being among the newest stock on popular property sites.
While it may seem like a busy period to put your property on the market, it could boost your sales prospects by making the best use of the increased online traffic. This could help you reach out to more people and secure plenty of viewings/ enquiries once January rolls around.
Plus with our expert property consultants we can take the stress out of the process for you, and get 2021 off to a great start!
Top tip from A&P - Try and minimise photos with decorations
While there may be plenty of interest from potential buyers over the festive season, you may still be on the market come January. So If you’re planning on marketing your house over Christmas you may want to consider taking photos before you put the decorations up. If you are concerned about winter imagery our professional photographers will capture the beauty of your house whether in winter or spring!
Register today! | Get your property valued
Get in touch with your local branch with any questions
Looking for your dream home? Our property consultants have compiled a list of homes which could be perfect for you and your family! Discover our top picks on the market under...
Looking for your dream home? Our property consultants have compiled a list of homes which could be perfect for you and your family!
Discover our top picks on the market under £300,000. (Price low to high)
Wigeon Place - £210,000
This delightfully presented ultra-modern living accommodation, spans an impressive 1,133 square foot. With three bedrooms it is a perfect family home which impresses from all angles. Internal inspection is highly advised and early viewing will be essential to avoid disappointment.
Chapel Lane - £250,000
This beautiful three bedroom home has recently been the subject of a comprehensive series of renovations, having been considerably extended and finished to the highest of standards throughout.
The details and finishing touches are of the utmost importance to the current owners, and the impeccable interior design demonstrates this exceptionally well, once inside you can see the effort and the lengths our clients have gone to in creating a beautiful home.
School Lane - £275,000
Demand for true bungalows is always consistently strong, and even more so when a well presented example is offered to the market. Throw in the fact that this sizable three bed semi-detached example occupies a superb corner plot along this delightful lane within the highly desirable district of Euxton, and this property becomes a triple threat, sure to be in high demand and, therefore, we would highly recommend a swift appointment to view.
Grimshaw Lane - £290,000
Occupying a fabulous plot, this rather handsome two bed traditional detached bungalow is sure to be in strong demand, being of a period which just brims with tradition and character. Externally, the fabulous plot will be a horticultural treat for those with green-fingered tendencies and provides seemingly endless levels of space for the children to play and explore, with extensive gardens to the front and rear.
Brook Lane - £300,000
In high demand this Ormskirk property is sure to get snapped up quickly. This double fronted property provides two large reception rooms to the front, with the main lounge centred around a rustic exposed brick multi-fuel log burner and houses original timber beams overhead. This cottage has plenty of character, early viewing is a must!
Spendmore Lane - £300,000
Resting on a large plot of approximately a third of an acre, this considerably extended semi-detached home provides a wealth of family living space covering an impressive 2297 square feet. The layout of the accommodation is such that it would be perfect for co-dependent living with an annex to the rear having its own separate access, lounge, bedroom and bathroom.
Looking for Ormskirk properties
Looking for Chorley properties
Looking for Southport properties
Take a guided tour of some of our properties currently on the market, head over to Youtube today
Coming on the market can be a confusing time, but we are here to help get you started and understand all the stages involved. We have created a handy step by step guide of our process, from...
Coming on the market can be a confusing time, but we are here to help get you started and understand all the stages involved. We have created a handy step by step guide of our process, from initial valuation to accepted offers.
Book in a valuation
Simply get in touch with your local branch or fill in our online form to book in your valuation.
We will get in touch with you and once we have all the information we can schedule an appointment with our valuer!
If you need any mortgage advice at this stage, one of our expert property consultants can refer you to one of our trusted partners.
We will give you a recommended market price
The valuer will come out to your home and discuss pricing structures - as well as answer any questions you may have. We will then work with you to determine how much your house would go on the market for.
Once you are happy with everything a letter and contracts will be sent and we can get you started on your property journey…
Getting pictures of your property
Once we have contracts in place, we can start to get all the content we need to get you online & marketed. We will start by booking one of our professional photographers to come and capture the beauty of your property.
Our photographic presentation has distinguished us and in turn, enabled us to sell more properties, for more Vendors, and in less time! Our unique style has seen many attempted emulations by our competitors, which is great as it means standards are improving, but as a forerunner we are constantly adapting based on the interactive experiences and feedback our clients impart.
Our plans don't stop here, you can also capture your property on film.We create ultra-smooth, cinematic footage at up to 4k resolution which allows people to see inside your property from the comfort of their own home. In this current climate a video tour could be just what you need to stand out from the crowd.
Before you go on the market, you will need to look at getting an updated EPC - simply ask our property consultants for a referral.
Designing your brochure
Once we have all the content we will create a bespoke brochure, this helps potential buyers get all the information about your property all in one place, including photographs, description and floorplan
You have final say on your brochure and we will make sure you are happy with all elements before your property goes live.
You are now live and ready to go
When we have your approval we will get you live on our website, plus other property sites to maximise your visibility.
We also support the exposure of your property on our social media sites, we have seen that this form of digital marketing is beneficial in reaching out to potential buyers, we have seen up to 10k+ reach and a number of call enquiries.
Discover how our social channels can help you!
On the market & viewings
When you are on the market with us you will receive regular updates about the progression of your property, feedback on viewings and negotiated offers.
If you have any questions during this time do not hesitate to get in contact with your local branch.
Getting an offer
Once you have an offer in place, you will then start your journey with our sales progression team who will help you with surveyors, solicitors and contracts.
We are very lucky to have great people in our business who really care and want to do the best for every client they come into contact with. We are very proud of our staff and very proud of the recommendations they receive on a daily basis.
We work very closely with local solicitors and would be more than happy to help you get in touch once an offer is in place.
Are you ready to start your journey?
Simply, head over to register your details, and we can get in touch to organise a valuation.
Want to leave us a review? Go here
We’ve gathered a selection of some of our amazing properties currently on the market under £200,000. From Chorley to Southport here are some homes you should be looking at...
We’ve gathered a selection of some of our amazing properties currently on the market under £200,000. From Chorley to Southport here are some homes you should be looking at...
• 7 Years 'NHBC' Warranty Remaining • Semi Detached • 3 bedroom
This modern semi detached home is in show home condition and rests in a pleasant position on this desirable residential development. Internal inspection really is a must, revealing an excellent arrangement of space that provides a practical and versatile floor plan which is just perfect for modern day living.
• Driveway Parking • Ideally located • 3 bedroom
This immaculately presented three bed link-detached property boasts a number of appealing elements which collectively make it such an attractive prospect for those looking to take their first excited leap onto the housing ladder, perhaps into the home where they can start a family. Not only is there a pleasing layout which is perfectly conducive to modern day living, but this home is also presented in move-in condition, having been beautifully maintained by our client.
• Lawn Rear Garden with Patio Area • Detached Double Garage • 4 bedroom
Discover this well-sized family home, then this lovely detached residence must be worthy of consideration. This 1,260 square feet corner plot sits within a very popular residential development, arranged over two levels with a wonderfully flowing floorplan.
• Modern TownHouse • Driveway parking • 3 bedroom
This impressive, three bedroom modern townhouse is well presented with tasteful decor and rests in a pleasant position on this desirable and sought after residential development. The excellent arrangement of space provides a practical and versatile floor plan which is just perfect for modern day living. with accommodation highlights including reception hallway, lounge, dining area, breakfast kitchen, utility room, three bedrooms, a shower room and two en-suites. Externally there are gardens to the rear together with ample driveway parking and a single garage.
• Enclosed Rear Garden with Patio Area • Brick built shed • 3 bedroom
This very handsome, traditional style bay fronted semi-detached home rests in a popular residential location just a short distance from Southport town centre providing easy access to an array of local amenities, fine shopping, and public transport, all within walking distance. The property offers a spacious floor plan that covers over 1000 square feet of immaculate living space and retains an abundance of character and period features typical of the era in which it was built.
Why not take a look at some other properties under £250,000 on our website here
Take a guided tour of some of our properties currently on the market, head over to Youtube today
Arnold & Phillips will be here to support you during these unprecedented times, although our doors may not be open to the public we are still here to help you throughout your property journey....
Arnold & Phillips will be here to support you during these unprecedented times, although our doors may not be open to the public we are still here to help you throughout your property journey. Discover the latest government guidelines below.
We can now confirm that we will be continuing with all valuations and viewings, Kevin Hollinrake MP, andRobert Jenrick, Secretary of state for housing have said that during November 2020 lockdown, viewings and valuations will be permitted (providing current guidelines are adhered).
Is it safe to put my house on the market? Is this a bad time?
Many of our customers ask, will there be a property crash?
Unfortunately, nobody has a crystal ball but we can tell you following the first lockdown we have seen plenty of interest in the property market, and clients benefit from the stamp duty exemption.
There was much talk of an impending property crash after the initial lockdown. However, those predictions, including from the Office for Budget Responsibility, have so far proved unfounded.
In fact the UK house prices have reached record highs. Nationwide reported last week they saw that the average house prices year-on-year have risen 5.8 per cent.
We can also show you the September 2020 Zoopla index, showing a 3.4% increase in house growth price in the North West. These are all positive signs, It shows that despite the current climate the property market is still healthy and thriving, which is good news for buyers and sellers alike.
Zoopla's index shows annual house price growth running at 3%
What are the current guidelines I have to follow? (buyers & sellers)
If you are going to view a property we insist you take a look at our website and carefully consider if this property is suitable and if you are in a position to proceed.
To help you decide, on our website will be,
Then if you’re still interested, call your local branch to make a booking.
Please note: If any member/s of the household are showing symptoms or self-isolating then please let us know as soon as possible and we can rearrange any viewings.
When attending or showing your property we ask that everyone wear a mask during viewings, and abide by social distancing rules. We also want to insist that no more than two people attend the viewing. We also insist that you limit touching any surfaces, and don’t stay longer than 15-30 minutes (dependent on property size).
We also suggest to all homeowners that they open all doors within the house to minimise contact.
Will you still be able to value my property?
Yes, we will still be conducting valuations. We will be conducting “covid safe” valuations following the latest government guidelines. We will then get you on the market as quickly and efficiently as possible with a limited amount of contact with external parties. We have both professional photographers and videographers working for us full time that will safely and swiftly get the assets we need to get you live.
Can I come into the branch?
Instead of visiting us in branch you can telephone us to discuss anything you may need - in the November lockdown we are following government guidelines and urging you to stay at home where you can.
Get in contact with your local branch
We are taking this period very seriously and taking every precaution to help keep both buyers and sellers safe.
We understand that this ‘stay at home’ period can cause worry, and often confusion, but we are here to reassure you and keep you up to date.
David Arnold, Director and property expert of Arnold & Phillips, wants you to know “We have amazing people throughout the sales and support teams and if you have any questions relating to the local property market or how the current restrictions might affect your house move then do not hesitate to get in touch.”
You can read more about lockdown measures here
**Information dated November 3rd 2020**
From pops of colour to minimalist chic these are the trends we are seeing on the market. So, whether you are looking to update your home or decorate a new purchase, here are a few ideas/...
From pops of colour to minimalist chic these are the trends we are seeing on the market.
So, whether you are looking to update your home or decorate a new purchase, here are a few ideas/ inspiration to put on your list that you'll adore.
Minimalist Modern | Granville Park
Why not take inspiration from Granville Park which has a modern ultra luxury feel throughout the property.
Modern/ minimalism is about keeping a space simple, uncluttered and accentuating the attractive architectural features of a space. Often the colour palette is monochromatic, although a splash of colour can be added in the soft furnishings, or you can go for a twist on monochrome and use a variety of navy’s.
Top Tip: Mirrored surfaces and strategically placed lighting can really help accentuate the modern style.
Rustic home | Three Chimneys
Three Chimneys is a perfect example of a rustic theme, the property utilises natural woods and leather accents. The key to the rustic style is using warm earthy tones to give your home a cosy and quaint feel. If you already have wooden beams in your home this could be the perfect style choice for you.
Top Tip: Rustic is all about the details, such as wooden carvings and spooled legs and items that look handcrafted. Think about the small touches!
Farmhouse luxe | Cloud House
Cloud House is a modern property which has farmhouse accents - farmhouse style is about bringing the outside in. The idea is to use natural textures such as faux fur throws, antlers and woodland animals for inspiration. Dark colours such as browns, charcoals and bronze work well with this trend, but don’t be afraid to use a pop of colour.
Top Tip: Take inspiration from the world of nature, often autumnal colours can work well with this style choice.
Traditional/ Vintage | Ashurst Hall
This Grade II listed property can’t help but encompass all things traditional. This property has many of its original features, they truly don’t make them like this any more.
The traditional style is all about “what goes around comes around”. Even in our newer properties one thing which is starting to emerge is a nod to vintage - with dark wood furnishings looking as if built in the 1800s/ early 1900s.
Top Tip: Think ornate and regal with this style choice, mouldings/ carvings as well as luxury colourings like purples and reds work well.
Looking for vintage rather than traditional? You can take inspiration from any era, a popular age currently on trend is 70’s - style up your home with bold patterns and orange colour tones.
Pop of colour | Marian Drive
Don’t be afraid to use a pop of colour, a feature wall can really make your property pop out and add a bit of personality. In essence, it is about adding a splash of colour to a neutral backdrop. Whether your backdrop is grey or beige, introducing colour lifts the style of the room.
Top Tip: If you don’t know how to use colours, start with soft furnishings, such as a bold colour or print for a cushion or throw.
Many shades of grey | Jackfield Way
Grey is one of the most versatile colours in the spectrum, grey interiors are now cemented as a staple in most homes. It has taken over from the classic magnolia walls.
The shade is versatile which means each space can still be unique...
Looking to go grey but still have a cosy home? Simply, use soft materials such as velvet and faux fur.
In contrast to this, you can also create an industrial chic look using cement features and chrome to compliment.
Top Tip: Mix and Match, use all the greys on the spectrum, it gives more depth to your room and can look more luxurious.
Bold patterns | Pompian Brow
Bold patterns and wallpaper can be like marmite, some love them and some don’t. But when they are used effectively they can draw a room together and make it unique. Bold patterns and punchy colours lend a more playful approach to styling, so take inspiration from Andy Warhol and use a splash of colour with accents, tiling or wallpaper.
Top tip: Don’t be afraid to use a bold pattern, keep it simple and just use the pattern once to avoid over matching.
We are now on Pinterest! If you want to keep an eye out and get some home inspiration don’t forget to follow!
Like the look of our properties, why not use our property search to find them... or give your local branch a call.
