PROPERTY SCENE ONLINE 10/08/17

 

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Covering the North West • COMMERCIAL • RESIDENTIAL • LETTINGS • NEW HOMES August 10th 2017 BUILDERS SUPPLIES West Coast Ltd COMPOST, SOIL & BARK FLEET7WO7O6D &6 C0LEV0ELEYS www.bswc.biz The Biggest & Best Property Guide in your Area - The Place to be Seen. See pages 38 & 39 THE KNIGHTSBRIDGE. PLOT 3. KINGS MEADOW. STAINING. £490,000 Detached home with detached double garage. 5 bedrooms, 3 bathrooms and a study. Reserve any property at Kings Meadow during August and we will pay your stamp duty, saving up to £14,500! Find us online Make sure you check out our next issue on August 24th! FREE

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2 The Property Scene: 01253 392 064 August 10th 2017 Say you’ve seen it in The Property Scene INDEX • RESIDENTIAL Pages 3 to 27 • AUCTION SCENE Pages 10, 11 and 37 • SHOWCASE Page 28 • PARK HOMES Page 8, 20, 24, 29, 30 and 31 • SOUTH FYLDE SCENE Pages 32 to 36 • NEW HOMES SCENE Pages 38 to 45 • FINANCE Page 46 • LETTING SCENE Pages 47 to 50 • COMMERCIAL SCENE Pages 51 to 53 • CLASSIFIED SCENE Pages 54 & 55 • FEATURE SCENE WYRE CELEBRATES AWARD WINNING PARKS Wyre is celebrating receiving four Green people enjoying live music and fundraising at the Flags for parks across the borough, after event. Steph Hasty, Chair of the Friends of Jean Keep Britain Tidy unveiled this year’s Stansfield/Vicarage Park, said:“We are so proud recipients of their prestigious awards. to be part of achieving the Green Flag Award. To the group it means that we must be doing Poulton’s Vicarage Park, Hawthorne Park in something right.We have a great committee and Thornton, Wyre Estuary Country Park in support from Wyre Council to help us achieve Stanah and Fleetwood’s Memorial Park have all our goals. We love the park and love that the received the award for another year. people of Poulton really enjoy the facilities and This international award is a sign to the public that the space boasts the highest new play area, as well as the events we have organised.” possible environmental standards, is beautifully maintained and has excellent visitor facilities. Jenifer Phillips, Chair of Hawthorne Park Trust, Councillor David Henderson, Street Scene, Parks and Open Spaces Portfolio Holder at Wyre Council, said:“Gaining a Green Flag in the first instance is no easy achievement. Keeping it is just as difficult and could not be done without the dedication and hard work of the parks staff and volunteers.” commented: “Over the last ten years we’ve transformed Hawthorne Park from a field with an unloved play area into a real family park with a lovely, old fashioned enjoyable feel.” Fleetwood’s Grade II listed Memorial Park has also been awarded a Green Heritage Site accreditation once again, in recognition of its Country Park, said:“We’ve very proud of Wyre Estuary Country Park. A lot of work goes into maintaining it by a dedicated group of volunteers and we always keep it in good order for visitors.” The announcement of this year’s award winners historical importance and high standards of comes in the same week that thousands of Over 40 parks volunteers and members of care and upkeep. people up and down the country are enjoying Friends groups celebrated at a special event Love Parks Week an annual celebration of with the Mayor of Wyre, Councillor Alice Collinson, held at the Civic Centre in Poulton. Les Fletcher, Chair of the Friends of Memorial Park, said:“These awards are a tribute to all the the country’s fantastic green spaces and the community groups that bring them to life. volunteers who help to keep Memorial Park Jean Stansfield/Vicarage Park held its fifth annual looking lovely.” Find out more about Wyre’s parks and open Our Big Gig last weekend with around 3,000 Peter Embrey, Volunteer at Wyre Estuary spaces at discoverwyre.co.uk. COULD YOU REDUCE YOUR CHILDCARE BILL Parents in Blackpool could be entitled to free childcare for three and four-year-olds under a new scheme. The entitlement can be used flexibly for example during term time, which equates to 30 hours for 38 weeks per year or spread over 51 weeks at 22 hours per week. Page 56 CONTACTS Up to 30 hours free childcare will be available for working parents from September 2017, doubling the amount currently available. To qualify for the scheme, parents must be working and each earning at least £120 a week (on average) and not more than £100,000 each a year. Editorial and all other queries: emma@thepropertyscene .com Tel: 07970 711 843 The new extended entitlement is intended to support working parents with the cost of childcare and enable parents, where they wish, to return to work or to work additional hours. If parents are on maternity, paternity or adoption leave, or unable to work due to a disability or have caring responsibilities, they could still be eligible. “The extra provision will help some parents manage the cost of childcare enabling working families to get their full entitlement. Advertising: advertising@thepropertyscene .com Tel: 01253 392064 Website: www .thepropertyscene .com Design & Print Ltd Mr Richard Russell Tel: 01244 833814 The Property Scene has been a combination of many people’s efforts, time and most importantly encouragement, so a huge THANK YOU to you all. The Property Scene is independently owned by A & S Publishing, PO Box 1273, Blackpool, FY1 9ET. All rights reserved. No part of this publication may be reproduced, stored in any retrieval system or transmitted in any form by means electronic, photographic, recording or otherwise without prior permission of the publishers. Views expressed by contributors are not necessarily those of the Editor or publisher. Whilst the greatest care is taken to ensure that the information in this product is correct at the time of going to press the Publisher cannot accept responsibility for errors, inaccuracies or omissions. Published by A&S Publishing. Printed by NWN Media Limited at Mold Business Park, Wrexham Road, Mold. All three and four-year-olds in England already get 570 hours of free early education per year. If eligible, parents will be entitled to an extra 570 hours of free childcare a year, so 1140 hours in total. The date parents can start claiming depends on the child’s birthday. Applications can be made prior to the ‘go live’ date in September 2017 for 30 hours for children who are already eligible for the 15 hours entitlement and for any child who will have their third birthday between 1 April and 31 August 2017. Parents will receive an 11 digit code which they will take to an Ofsted registered childcare provider. Cllr Kathryn Benson, Cabinet Member for Schools and Learning at Blackpool Council, said:“Childcare is an issue facing many working parents in Blackpool and it is essential that parents understand what they are eligible for. “Parents should apply a term in advance. They will need to speak to the childcare provider to understand how they are offering the extended entitlement.” Some two-year-olds are also eligible for free early education and childcare. To check eligibility and find out more, visit childcarechoices.gov.uk Parents can do a postcode search for registered providers in their locality on the Blackpool Family Information Service website.Visit www.blackpool. gov.uk/fis or call 0800 023 2332 for assistance. SUBSCRIPTIONS Please send to: PO Box 1273, B✁lackpool, FY1 9ET Name: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 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Say you’ve seen it in The Property Scene August 10th 2017 The Property Scene: 01253 392 064 3 www.oystons.com Sell your home for FREE! 0%That’s Sales Fee! Call Oystons now for you free valuation and discuss how you could sell your home for 0% commission! 01253 622225 33 Clifton Street Blackpool FY1 1JD www.oystons.com 01253 776777 130 Lord Street, Fleetwood, FY7 6LH www.oystons.com 01253 866000 134a Victoria Road West Cleveleys FY5 3LG www.oystons.com J0296 0617

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4 The Property Scene: 01253 392 064 August 10th 2017 Say you’ve seen it in The Property Scene

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8 The Property Scene: 01253 392 064 August 10th 2017 Say you’ve seen it in The Property Scene

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Say you’ve seen it in The Property Scene August 10th 2017 The Property Scene: 01253 392 064 9 SEVEN WAYS TO CUT YOUR MONTHLY MORTGAGE PAYMENTS Repaying your mortgage can appear daunting and leave you little to live on, particularly for hard-stretched first time buyers. But there are ways of lightening the load... Don’t stay on a standard variable rate (SVR) mortgage The most expensive mistake that most mortgage borrowers make is staying on the standard variable rate (SVR) mortgage after their introductory rate (whether tracker or fixed) has expired.With SVR mortgages, the provider effectively decides its own interest rates, and they are invariably high: it is both how mortgage lenders make their profits, and how they pay for the cheap introductory deals which lure customers in the first place. In effect, the homeowners who have SVR mortgages are paying more than they need to each month and subsidise those who shop around every few years to get the best deal.The only way to stop subsidising other homeowners is either to get one of those rare life-long deals, or to be one of the homeowners who shop around regularly for mortgage best buys. It’s tedious, but is probably the biggest saving you can make. But once you have paid off 20% of the mortgage, you can drop your PMI.You should find this out, because lenders won’t tell you, and you’ll have to ask them to cancel the insurance. Look at switching to an interest-only deal If you don’t have a steady income but you are confident of a lump sum, such as an inheritance or a few big bonuses, that will allow you to pay off the mortgage in a few large payments in the future, you could switch to an interest-only deal. These mortgages are not as readily available as they once were however and you will have to meet certain criteria in order to access one including pretty steep income requirements and having a considerable amount of equity in your home. But beware – taking an interest only mortgage does not mean you don’t have to repay it eventually, and without a plan to pay off your mortgage you might end up having to sell your home. Overpay on your mortgage repayments whenever you can Interest rates are at an historic low, which means there will never be a better time to get your mortgage down by paying more than your scheduled monthly payments by as much as you can afford to. By paying off more of your mortgage now, you will be in a better position when interest rates do start to rise, and the monthly payments start to hurt. Low interest rates mean both that your monthly mortgage interest payments are less, leaving you with more flexibility to pay off the capital, and that interest rates on savings accounts are pathetically low. Also, you pay tax on interest earned on your savings, while your mortgage payments must be paid out of post-tax income, making it an even better deal to pay off the mortgage rather than save. Check with your lender first that there aren’t any penalties to overpaying. Make sure there aren’t any other expensive loans or credit cards that need dealing with first, and once you have a rainy day fund for any problems, you can start using spare income to pay off your mortgage. Get a deal with daily interest calculation If the interest on your mortgage is calculated annually, you could still be paying interest on the parts of the loan you have paid off for almost a year after you have repaid it. Getting customers to pay interest on loans they have repaid is an outrageous practice and should be stopped – but some mortgage lenders still practise it. With daily interest calculation, every payment of capital you make will almost immediately start to reduce the interest payments you have to make. Over the term of a mortgage, mortgages with daily interest calculation will cost you thousands of pounds less than those with annual interest calculation. Mortgage lenders are likely to be rather coy about calculating interest on an annual basis, so you will probably have to ask them outright. Look at your insurance deal If you paid a deposit of less than 20 percent, you might have been sold private mortgage insurance (PMI), which can cost thousands on top of your mortgage each year. Increase the period for paying back the loan This will reduce the monthly payments for all but interest-only mortgages.The downside is that, it does mean you pay more interest in the long run. However you can still overpay if you are ever able to and potentially pay the whole thing back over the original time period. If you do need to take more time, or spend a few months paying a bit less, it won’t be a problem for your lender. Switch to a cheaper mortgage provider Is your lender offering the cheapest rate? You may have to pay your existing lender administration fees and any early redemption penalties may apply, but you could still save money by switching mortgage providers.Taking out a mortgage is one time when it really is worthwhile spending extra effort shopping around as much as possible – there are thousands of deals out there which change all the time, and you may easily be able to save a hundred or two hundred pounds each month.

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10 The Property Scene: 01253 392 064 August 10th 2017 Say you’ve seen it in The Property Scene A GREAT NEW WAY TO JD ALLITT ONL JD Allitt Online Auctions combine the effectiveness of a traditional auction with the efficiency of modern technology creating competition between bidders that works to your advantage. Competition between determined bidders can produce a great price for your property and when the auction closes the Exclusivity Agreement, Reservation Deposit and Exclusivity Period eliminate the delays often associated with private treaty sales. Buyer’s Benefits: Easy to access and bid Finding lots to bid on is easy via www.jdallitt.co.uk Bid where ever you are – even on the move or abroad All property details, photos, legal packs and viewing times available online Get in contact with our team today! Call us on 0161 850 5556

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Say you’ve seen it in The Property Scene August 10th 2017 The Property Scene: 01253 392 064 11 0161 850 5556 SELL YOUR PROPERTY INE AUCTIONS Seller’s Benefits: FREE FOR SELLERS Sellers can choose when the auction starts and ends Quick and easy way to offer properties for sale From instruction to completion could be as short as 7 weeks Global audience www.jdallitt.co.uk www.jdallitt.co.uk

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12 The Property Scene: 01253 392 064 August 10th 2017 Say you’ve seen it in The Property Scene ESTATE AGENT IN BLACKPOOL Roman James have just won The British Property Awards for Blackpool. Their team performed outstandingly throughout the extensive judging period, which focused on customer service levels. Roman James have now been shortlisted for a number of national awards which will be announced later in the year at our lavish ceremony in central London. Roman James Little Croft, 18 Poulton Old Road, Blackpool, Lancashire, FY3 7LB 01253 978888 www.romanjamesestates.co.uk British Property Awards

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