April or May are generally the best times to buy a house in the UK. There are usually more properties on the market as sellers emerge from winter and consider a move, while the market is generally more active once the weather starts to warm up and the clocks go forward. Summer can sometimes be a great time to buy – although the number of properties available can be fewer due to potential sellers taking holidays.
Winter is largely considered the slowest period for the property market. As the nights draw in and Christmas is just around the corner, the market often slows up - fewer properties are for sale and fewer buyers looking to purchase. Summer tends to be the best times to sell a house – as there’s less competition on the market. Plus, the moving in and out process is largely easier and more appealing when the weather is nice.
The short answer is yes. Since the pandemic, there’s been a shift in homebuyer’s priorities. A private garden, space for a home office and access to open green space are now becoming much more important.
House prices reached a record high last month. The average home now costs £262,954, up by 0.7 per cent from July and 7.1 per cent over 12 months, according to mortgage lender Halifax.
Even areas such as the North West and North East, which had previously been more affordable options for homebuyers, are now experiencing extraordinary annual house price rises.
For more information about the current property market, or to enquire about the properties we have available, please contact our knowledgable team today.
Selling your home can be a busy and complicated process, here at Argyle we like to make things as easy and stress free as possible! We have put together a list of tips and tricks to get your home ready to sell and attract those all important buyers.
Declutter - You’ll want to spend some time decluttering and making your home look as presentable and attractive as possible, so that as soon as you’ve instructed your agent they can get straight to work organising any viewings and videos.
Photography - It is likely that your agent will photograph your property themselves ready for listing, but you can help them by ensuring there is no personal documents or information that could be captured in the photographs. If you are taking photos or videos yourself, try to make the rooms as light and airy as possible by ensuring blinds are open and curtains are apart. This makes rooms look bigger than dark rooms.
Gardens - Often, a garden is the first thing people see when they arrive at your property. That initial impression can sometimes be the difference between choosing to make an offer or not. Make sure the front of the property is as tidy and appealing as possible, even in winter.
Bathrooms and Kitchens - These two rooms are the most expensive for a buyer to upgrade. However, if you’ve made an effort to clean and declutter them, you’ll be giving potential buyers another reason to be positive about your home.
Documents - Your estate agent and solicitor will ask for various bits of paperwork throughout the selling process, so if you can gather together all the relevant documents ahead of time, you should avoid delays further down the line.
Do your research - Have a think about a price that you would be looking to sell for, compare this to similar sized houses (especially on your street and in the local area). Discuss this with your agent so they know what you’re looking for, that way they can look out for any offers that come in close to this, and may make the process of discussing offers much quicker and more efficient.
Scheduling - When discussing the best times for viewing with your agents, ensure that you factor in cleaning/tidying time. If you tell your agent that you can allow viewings just after you’ve left for work, will that give you enough time to spruce the place up before you leave?
For more information about selling your home with our passionate and experienced team, please get in touch with Argyle Estate Agents today!
You want both the estate agents and the seller to know you’re a serious buyer, so it’s a good idea to start your mortgage application before you look at properties. If you make an offer and don't have a mortgage in principle, the chances of the offer being accepted are significantly lower than if you already have everything you need in place.
Most estate agents will ask you during the viewings if you have everything ready. By having your mortgage in principle, you will look like you're ready to go ahead with the sale.
If you’re a first-time buyer, not part of a chain or are a cash buyer, you’re going to have an advantage over other buyers that are likely to make the process longer with forward chains or potential mortgage issues.
Make your situation well known at the start of the offer process, as this may make you a more desirable buyer.
Find out how much similar properties have sold for based on size, area and particular features, then try to base your offer around this. It is a good idea to make notes during your house viewing, so that you can highlight any defects or potential issues that would affect the price, and mention these when explaining your offer.
You should also ask the estate agent if the seller has received other offers on the property, how much the offers were and why they were declined.
Keep an eye on the property market in general, not just in the area you’re looking at. Note particularly how quickly similar properties are selling. If they are moving very slowly, and going below the asking price, then you are in a stronger position to put in a lower offer.
Sellers will usually put their houses on the market for between 5% and 10% above the property’s actual value, knowing that buyers are unlikely to ‘go in’ at the full asking price of a property.
Start with a low offer as you can always increase it if it’s not immediately accepted, but you can’t decrease your offer if you go in too high and potentially lose out on a better deal.
For more information on how to make an offer on a house, contact our expert team here!
According to the UK House Price Index, the average price for a house in the UK has risen by 8.9% since April 2020, with a high of 11% in March 2021. New research by NAEA Propertymark found one in six properties sold for more than their asking price in March – the highest proportion recorded in seven years. In the same month, a third of properties sold for below their asking price, the lowest proportion since NAEA started keeping records. The pandemic has meant that a lot of homeowners living in built-up areas are beginning to reprioritise where they want to live, this is likely due to working from home becoming the ‘new normal’, and many businesses embracing remote working on an increasingly more permanent basis. Greater demand has resulted in higher prices, especially for buyers moving up the property ladder to larger and more expensive homes.
Despite this, the height of summer when people are away or Christmas when people are busier than usual tend to be the best times of year to buy. With less demand, there's less competition meaning prices should usually be lower. You’re also much less likely to end up in a ‘bidding war’ with other prospective buyers, as fewer people are looking to buy. Therefore, we may begin seeing a steady decrease in the average house price.
So, is now a good time to buy a house in terms of property prices?
It’s difficult to give a yes or no answer, as property prices fluctuate and it’s almost impossible to predict what will happen next. Whilst buyers are in a better position now as opposed to March, there is no telling what might happen to property prices in the near future.
If you were already planning on buying, and you’d benefit from the Stamp Duty holiday, then now’s probably a good time to buy. Just remember, not everyone will benefit from the relief. The full Stamp Duty holiday ends at the end of June, so it’s likely if you’re looking to buy a home now, you won’t quite catch this, but there is still a saving to be had before October 2021. From July to September, the threshold is up to £250,000 in England and Northern Ireland, and £180,000 in Wales, so there are still big savings to be made before it returns to the regular threshold of £125,000 at the start of October.
However - it's worth considering that when the Stamp Duty holiday ends, it could lead to house prices decreasing, as demand should go down, but as we have previously mentioned; it’s difficult to predict this accurately.
So, is now a good time to buy a house in terms of the Stamp Duty holiday?
The simple answer is - if you’re looking at homes under £250,000 yes, and if you’re looking at homes over that threshold and/ or if the Stamp Duty holiday doesn’t apply to you as a buyer, it might be worth waiting until the stamp duty holiday has ended completely.
Earlier in the pandemic, mortgage lenders started requiring larger deposits for house purchases for added security. Deposit prices were upped to around 15%, and many found it hard to move on the property ladder. The government is now backing lenders, with the 95% Mortgage Scheme. Many banks have signed up for this scheme, including:
This government scheme is extremely helpful for buyers that may struggle to raise a large deposit, or those who wish to put down a smaller deposit so that they have more money to use on refurbishing their house purchase, for example.
It is very important to note that interest rates on low deposit schemes may be considerably higher, so do make sure you look into these rates before making any decisions, as this may not be feasible for you in the long run.
So, is now a good time to buy a house in terms of 5% deposits?
The answer to this question very much depends on your personal financial situation. If you would benefit from a lower deposit and are happy with the interest rates then yes, now is the time to consider buying a property.
We hope that this blog has helped you consider some of the factors contributing to the question ‘is now a good time to buy a house?’
If you are still unsure, contact one of our helpful team members for advice, or speak to your mortgage advisor. Happy house hunting!
The first step to increasing your chances of a quick sale is ensuring that your home is appealing to potential buyers. You can read more about how to make your home buyer friendly on the Argyle Estate Agents blog.
However, if you have already done all you can to your home and it’s still not selling as fast as you’d like, there are more options available to you.
Pros: Fast sale, control of the sale is down to you
Cons: Likely to get a lot less than market value, you won’t get any assistance that you would with an estate agent
There are a lot of companies online that claim they will buy your home no matter what the condition. These can be a good option if you are in desperate need for a very quick sale, or a guaranteed sale. But don’t take the first online offer available. The online value calculators are often wildly inaccurate so it’s worth shopping around and contacting the companies directly in order to get a proper quote for your home.
When using a house selling company, don’t rely on online reviews. Many reviews can be bought in order to inflate the ratings. Best tip is to check the country where the review is coming from. For example, if you are using a UK company, you shouldn’t see lots of reviews from Europe or the USA.
Also, if the reviews are on Trustpilot, or similar multi-review sites, check to see if the reviewer has left other reviews for different companies. If there are lots of reviews coming from people who have only ever left one review, chances are that they are paid for and not trustworthy.
You can read more about what to look for when using a quick buy company at The Advisory.
Pros: More chance of viewings, generates competition
Cons: Have to manage multiple agents and viewings, fees may rise
If you are looking to sell in a hurry, then using multiple agents could be the best option for you. Because they are competing against each other for your business, it generates competition between them to be the one to achieve the sale.
You will also cover more potential buyers as estate agents often have lists of interested parties waiting for the right property.
Be aware though, you need to be upfront about using multiple agents, and check any contracts you sign carefully. What you don’t want is to sign up with lots of different agents, but then end up paying all of them when your house sells.
If you’d like to use different agents but only one at a time, ensure you get signed up for a short contract time period - about 8-12 weeks - so you can move on quickly if your chosen agent doesn’t sell in time.
Pros: Quick sale once the hammer falls, good for homes that need work
Cons: Less than market value, sale not guaranteed
If you are fortunate to sell your house at auction, you can expect a fairly quick process to complete the sale. This is great for homeowners looking to quickly sell a property that needs a lot of work. You’ll find that landlords and those interested in getting a property portfolio started will be eager to purchase low cost homes that need a bit of labour involved.
A big problem with auctions is that if your house fails to sell, it will negatively affect the value of the property moving forward. Once a house has failed to sell at auction, it is unlikely you will be able to sell it for market value after that.
Pros: Great if you want to swap an older house for a newer one
Cons: Restricted to only buying a new build, you have to be ‘trading up’ to qualify, and you will have to be eligible
Some schemes are available that allow you to put the value of your home up against the price of a new one. The biggest advantage of this method is that there are no chains to consider. Once you have agreed on a price for your home, you can move into your new build home relatively quickly.
The downside of this system is similar to the house buying company option; you are likely to end up getting less for your home than you would via traditional sales.
There are also a number of qualification criteria that your current home will have to meet in order to be eligible. Not every house will qualify so this won’t be an option for everyone.
While the above options can help you sell your home faster, these should only really be considered as a last resort. With the right estate agent, you can still get a quick sale for your home under the right circumstances. It’s always worth going via a reputable agent before you explore the alternatives.
If you are looking to sell your home, contact the experts at Argyle Estate Agents to see how they can help you.
While many aspects of buying and selling a home have not changed over the past year, there are some important factors you may now need to consider in light of the Coronavirus pandemic.
Over the past year there has been a lot of uncertainty across the economic landscape, and so this must be considered before you even think about moving house.
What may have been easily affordable in 2019 might no longer be viable in 2021, so you will need to carefully consider your budget.
Plan out your best and worst case scenarios; what would happen if you had to take a reduction in work hours, or lost your job completely? How would your monthly income be affected if you had to change locations for work, or how much more would you be spending per month if you worked from home permanently? You need to factor all of these possibilities in when planning your budget.
You should also be aware that the housing market is currently facing a shortage of listings, so there’s not as much choice available for buyers. This is great for selling, but you’ll need to weigh up the pros and cons if you are going to get into a chain in 2021.
A few years ago, many people would look at a home and judge the space inside purely on living arrangements. Due to COVID-19, more and more people are now having to consider integrating their workspaces into their homes.
If you are looking to move and also work from home, you will need to assess the potential property from both angles. Does it have an adequate space available for you to work comfortably? Can your job be completed while working in a less than ideal environment, such as a family kitchen or cramped cupboard under the stairs?
If not, then you’ll need to look for a property that not only accommodates your family life but also your working life. A spare room or study earmarked specifically for your job is essential for many workers, but at the same time, you don’t want to give up space that your family needs as well.
When looking at property buying this way, and factoring in your budget research mentioned previously, it becomes clear that more thought than normal needs to go into buying a home in 2021.
When scouting out a location for your next home, there are many standard things to look out for; transport links, garden space, ease of access, and local amenities. You can find a full list of tips for buying your next home on our blog.
However, the events of the last year have added additional factors to consider. The job market for some is not as sturdy as it once was, so if you moved to a new location, would you also be able to find work there too?
You should also consider the local area in terms of the pandemic - has the local high street been affected? Many shops have had to close during the lockdown and, if we were to enter another one soon, would you be able to still source everything you need, or would you need to travel much further afield?
One of the biggest realisations for many during lockdown was how much outdoor space they had, and how they use it. For a lot of people, being cooped up inside their flats or apartments 24/7 was a wake-up call and the realisation that they wanted a space outside they could call their own. For others, they realised that the space they did have was not being utilised fully.
When looking to buy a new home in 2021, you may want to put more emphasis on the garden space you want and bring it to the top of your ‘must-have’ list. If we were to enter another lockdown, would you be happy with little or no garden space? Or would you need a large garden and ample parking instead?
Until the end of June, you can benefit from a stamp duty holiday on properties up to £500,000. Due to the Coronavirus pandemic, the UK Government has implemented this reduction in order to stimulate the housing market, so if you are looking to buy quickly, this could save you a lot of money.
For example, on a property costing £200,000, you previously would have paid £1,500 in stamp duty. With the stamp duty holiday, you now pay £0!
Another benefit to come out of the recent pandemic is the Government’s new 5% deposit home loan guarantee scheme. This will be available to current homeowners as well as first-time buyers who are looking to buy a house for up to £600,000.
It’s not a magic bullet, as it can mean paying off the mortgage over a longer period of time, and interest rates can change, but it does open the door of homeownership to a lot more people.
You can also still qualify for Lifetime ISAs. They are available for those over 18 and under 40, and you can put up to £4,000 each year until the age of 50. The government will also add a 25% bonus to your savings, up to a maximum of £1,000 per year. You can find out more on the Government website.
For more information about buying a house in 2021, contact the expert team at Argyle Estate Agents who are ready to help you get onto the market and into your perfect home.
Once you’ve made the decision to move home, and your house has found a buyer, it can feel like an eternity to get to that all-important completion date.
There are so many factors at play that can influence how long a house sale takes, and several of them you will have no control over.
But understanding what is involved in a house sale can go some way to help make the time go easier while you are waiting.
Like with many things in life, having good communication skills makes things a lot easier. Before you decide to sell your home or purchase a new one, it is worth checking out the reviews of the estate agents and solicitors you are planning to use.
Look for reviews that specifically mention communication, response times, and how long things took overall. You may find some valuable information in there about which agents focus on getting things complete from start to finish, and ones who are only looking for the sale itself and will let everything after that fall by the wayside.
On either side of the buying and selling process, you will need to work alongside others to get your sale completed.
For those selling a house, it is a good idea to pry information out of potential buyers when they come to view. This way, you can find out what position they are in, how quickly they want to move, and any potential obstacles you might face if they make an offer.
Remember to take everything they say with a grain of salt, however. Some buyers will not always be truthful about their circumstances when viewing properties to buy.
For buyers, when you go and see a potential house you’d like to purchase, try and meet with the owner instead of the estate agent at least once. You can gauge what their circumstances are and get an idea of how fast things are likely to proceed should you decide to make an offer.
You should also conduct a viewing with the estate agent as well to ask information questions such as neighbour or land disputes that the owners might be reluctant to reveal.
This is often the most commonplace for things to get snarled up. Getting your mortgage approved can depend on so many different factors, and each one can hold things up for weeks.
At the moment, the COVID pandemic has made things even more difficult, with everything having to take place online. This isn’t so much a problem if you are tech-savvy, have a printer, and get a decent internet connection. If you don’t, the process can really get slowed down as you wait for snail mail to deliver your paperwork.
The dreaded word in any buying or selling process is ‘chains’. Being in a chain itself isn’t necessarily a bad thing, but it does make things more precarious. It only takes one link in the chain to fall and the rest can suffer from weeks of delays while things are put right. Worst case scenario, your chain collapses and you all have to start from scratch.
If you really want to avoid being in a chain, you can look specifically for houses for sale with no chain. This removes the risk, but you might find your options for properties to buy become more limited instead.
Honestly, if you want a definitive timescale, you’re not going to find one here or anywhere else on the internet. That’s because every situation is different and each buying and selling exchange will be affected by different factors.
That being said, you can estimate a very rough time frame at a push. The quickest a house sale typically completes is 6 weeks, and the longest can be anywhere up to and beyond 12 weeks.
The best thing you can do is prepare your side of things as soon as possible and keep chasing the other parties if you feel timescales are slipping.
Remember the following in particular:
Get all your documents together as soon as you know what is required of you, including payslips, utility bills, and your mortgage approval
Don’t assume your estate agent or solicitor will chase things as regularly as you would like - make sure you keep in contact and push to keep things moving forward
Things will go wrong occasionally but there is a lot that will be out of your control so try not to panic if it does
If you would like some practical advice about selling or buying a home, speak to one of our helpful team at Argyle Estate Agents who can help you navigate the process and get the best outcome possible for you.
One of the most common questions for a home buyer, particularly a first-time buyer, is how much deposit is needed. Really this comes down to the value of the property, your personal circumstances and the type of mortgage you’re taking out. In this guide, we will cover the different types of mortgages and how much is required as an initial deposit for each type.
This is the most popular type of mortgage available, it is often also referred to as a capital and interest mortgage. This type of mortgage is the typical structure of how you would expect a mortgage to work, paid back in monthly instalments and the payments cover the money you have borrowed as well as interest on how much capital you have leftover. Once your mortgage term is up, you’ll have paid off the interest loan in full meaning you will only have the capital left to pay.
With an interest-only mortgage, you only repay the interest on the mortgage loan. These types of mortgages are sometimes more difficult to get approved for and at the end of the term you will have only paid the interest, so will still be owing the mortgaged amount of your property. Usually, interest-only mortgages offer lower monthly repayments, which is why they can be tempting to go for. But most homeowners with a mortgage have their end goal as owning their property out-right, it is less likely you will be able to do this with an interest-only mortgage.
With a fixed rate mortgage, your interest rate will stay the same for the duration of your initial loan period, which is usually between 1 and 10 years. After the initial loan period ends, your rate will be changed to the default standard variable rate of your lender. Fixed-rate mortgages are available on both repayment and interest-only mortgages and simply stops your terms from changing frequently.
An SVR is the default interest rate set individually by the lender. The rate is decided by the lender and they are free to modify it at any point. SVR mortgages are not offered out by lenders, however, once a mortgage deal has expired, for example, the fixed-term has ended, they are often automatically switched over to SVR mortgages, which usually means your monthly repayments will go up.
This is a variation of an SVR mortgage, where the lender offers a discounted rate over a certain period of time. It is a variable rate, however, so the amount you pay each month is subject to change if the lender changes their SVR.
Tracker mortgages are variable rate mortgages that are subject to change each month. These mortgage rates follow a particular interest rate that will decide what you pay each month. The benefit of this can vary, however, as the base rate the tracker mortgage is based off can go up or down, which means your interest rate can also go up or down.
Capped rate mortgages are variable; however, they have a cap on how high the interest rate can rise. The interest rates on capped rate mortgages are typically higher than tracker mortgages but they are not subject to change.
Flexible mortgages offer you the flexibility to be able to overpay or underpay on your monthly repayments. However, because of this, interest rates are usually higher. Some fixed-rate repayment mortgages will allow for overpayments, but not underpayments, but they usually have an annual cap. Flexible mortgages work well for seasonal workers for example who can pay large instalments at certain times of the year and lower ones when their income is less.
An offset mortgage is a type of flexible mortgage that allows you to pay off larger sums in order to pay less interest. With an offset mortgage, you can link a current or savings account with your lender, which is then used to make reductions on the amount of interest you are charged.
The amount needed for a deposit can change depending on what is offered by the lenders. However, lenders frequently ask for a deposit of at least 5% of a property’s value, though generally, they ask for 10% or 15% first. Deposits normally always work in brackets of 5%, so for example, if you have 8% of a property value to put down, you will still only qualify for the 5% deposit plan so you are better off saving up for 10% to move into that bracket.
Let’s take a look at an example of how much deposit you would need if you wanted to purchase a property with a value of £150,000:
The minimum deposit required in the UK is 5% of the property value, however, many mortgage lenders will not offer a 95% LTV mortgage and therefore it does limit your options in terms of competitive deals. Also putting down a lower deposit will mean you have to pay back your loan at a higher interest rate.
Although they are very rare, it is also possible to get a 100% mortgage with 0 deposit. The only form of 100% mortgages currently available are guarantor mortgages, which require a family member who already owns their own home to put their name on your mortgage. By doing this, they are putting their own property or savings at risk if you miss your mortgage repayments.
Loan to Value (LTV) is the lenders way of figuring out how much money they need to lend you to cover the cost of the property. The LTV will be the opposite of your deposit percentage. For example, if you put down a 10% deposit, your LTV will be 90%.
If you can save for a larger deposit then you do reap a number of benefits:
If you live in a larger city or our very own capital, many probably couldn't imagine living somewhere as small, 'grim' or 'end of the line' as North East Lincolnshire. We are not the epicentre for international corporation HQ's, nor do we have our own financial district or amazing transport links to far-reaching places of the globe.
But in fact, North East Lincolnshire, East and West Lindsay and North Lincoln, have a lot to offer, firstly the housing prices.
According to Rightmove the average UK house price is currently £218,300, with a London average being £789,811!
Closely followed by Oxford at an average of £539,861 and Bath at an average of £488,370.
Surprisingly, some of our major cities are much more affordable as an average comparison, with Manchester in at £215,510, Birmingham £207,307 at and Leeds at £202,153.
However, North East Lincolnshire's average for the last year is £154,726 which is still 23% lower than Leeds and 29% lower than the national average.
This large four-bed family home in Scartho is currently on the market for around the UK average house price value (£220,000).
However, this four-bed family home is not the 'average', across the country, for the same value, you would be looking more like a two-bed terrace or semi-detached with a single living space.
As a direct comparison, for £220,000 in London, you can get a 1-bedroom flat, something similar to this.
Based in a suburb some 45-minutes train ride away from the centre of London.
In Bath, our second highest place to live in the UK, you would expect something like this, for the average UK house price of £220,000. While the building exterior is fabulous as Bath is truly a place of beautiful architecture, this is still only a single 1-bedroom flat.
So while in North East Lincolnshire we do not have famous Roman baths, some of the best tourist attractions or row after row of mega multi-million-pound businesses.
We do have a lot to give.
We have our award-winning beaches, we have been voted as the UK's food capital and we have charm, a thirst for shopping local and our community and we have large spacious family homes for the fraction of the price of others!
When it comes to selling your house, does the season affect the value or likelihood of a quick sale?
In a nutshell, there is a no right or wrong time of year to sell your property. In fact, a buoyant property market can happen at any time of year and that's the real trend you need to be looking out for. Keen buyers who are looking with serious intent will be looking at any time of year. Right now, due to COVID-19 and the stamp duty break until April 2021, the market is the perfect seller's opportunity. The Land Registry suggests that the average house value has increased by 6.3% since last year, which on a £200,000 house, is an increase of £12,600 on the asking price since November 2019!
There is no reason why Christmas 2020 should stop you from selling your home. Over the Christmas break, people often have more time off work, time to reflect and plan ahead and therefore it could be the perfect opportunity to pick up views on your listings while people are relaxing at home. Also if you and the buyer aren't in a chain, you might benefit from a quick sale and therefore the buyer could benefit from a saving on stamp duty.
In 2019, Rightmove had more than 21 million views on Boxing Day and an incredible 10 million on Christmas Day. With Christmas 2020 shaping up to be a much smaller celebration, the views are expected to be even higher!
If your property is on the market for some time, and your photography was completed during the Christmas period, photographs containing Christmas trees and other festive decorations might not appeal to buyers looking in the summer months. It instantly shows that the property has been on the market for a long time. And while in many cases, that isn't a problem, as some locations or types of property do take a while to sell. You don't want to give the impression to a potential buyer that your house is not worth the valuation or has a flaw and that is why it is still available.
We would recommend that if you do wish to sell during Christmas that your professional photography is taken before any festive decorations are put up and if conducting viewings during the Christmas period, try to keep decorations to a minimum. Houses which are crammed with festive decs or covered in lights could be off-putting for a buyer who cannot see the property for its full potential or space.
If you do decide to sell during the Christmas period or you accept an offer at any point around Christmas, be aware that many conveyancing solicitors will close for a full 2-weeks over the festive period. Searches and surveys are also likely to be delayed by the bank holidays or reduced staff during the holiday period. So set realistic expectations that your sale will be added to a pile along with any others to be addressed in the new year and delays are very likely.
To summarise, we recommend that if you're in a position to sell, and haven't gone OTT on those decorations then putting your house on the market now, is as a good a time as any! Our dedicated team are still on hand to help you through all of the stages of the sale and have our own dedicated mortgage advise team who can help you with your next purchase too!
