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55 Chapel House, Whitney-on-Wye, Herefordshire Agent: McCartneys Offers: £475,000 Call: 01497 820778 CHAPEL House is a beautifully presented and modernised charac- ter cottage located in a quiet rural setting surrounded by panoramic views across the Wye Valley. The cottage offers a host of char- acter features that include a large inglenook fireplace and a wealth of exposed timber work combined with modern improvements, such as an oil-fired central heating sys- tem and hardwood double glazing. This fine property is a character three-bedroomed, three-bath- roomed country cottage. The cottage is surrounded by approximately half an acre of grounds which includes a fantastic orchard with a range of mature fruit trees. The property benefits from a large attached garage which offers great potential for conversion into extended living space (subject to the necessary consents). Planning permission does exist for the addition of a conservatory and a detached double garage. THE PROPERTY GUIDE FOR HEREFORDSHIRE, MID-WALES AND SOUTH SHROPSHIRE Andrew Grant ......... 24,25 Andrew Morris ............. 7 Arena Lettings ............. 18 Arkwright Owens .......... 38 Balfours with Berringtons ................................. 38 Bairstow Eves .............. 16 Barry Bufton ............... 37 Berkeley Homes ........... 43 Belvoir ...................... 40 Brightwells ................... 14 Brightwells Lettings ...... 41 Cobb Property ........ 34,35 Crest South West ......... 42 Connells ....................... 10 Flint & Cook ........ 4,5,6,40 Fox Grant .................... 44 Hayes ...................... 32,33 Jacksons International 2,3 John Amos ............. 30,31 Jonathan Wright ........... 17 Knight Frank ........... 22,23 Maitland Rachel . 27,28,29 McCartneys ............. 20,41 Nicholas Craddock ...... 11 Nigel Ward ................. 39 Northwood ................... 26 Parrys ......................... 12 R M Caldicott ............... 39 Roscoe Rogers & Knight 41 Sunderlands & Thompson ................................. 21,37 Stooke Hill & Walshe .... 15 Strutt & Parker ......... 8,9 Taylor Wimpey ........... 42 Trivett Hicks ................. 13 Watkins & Thomas .. 36,37 Williams ........................ 19 INDEX For professional advice on advertising on the property pages, call our dedicated team on 01432 845803 Also search for property online at our website, herefordtimes.com/homes Cottage full of character Appealing village home and garden Hill Grove, Shobdon Agent: Jonathan Wright Estate Agent Offers: £370,000 Call: 01568 616666 HILL Grove is a detached and individ- ually designed, modern house offering double glazed and gas fired centrally heated living accommodation. It comprises a canopy porch, recep- tion hall, dining hall, lounge, a large kitchen/breakfast room/utility, four bedrooms (two ground floor plus two first floor), a main ground floor bath- room/shower room, first floor bath- room/shower room/en suite and a large gallaried landing. Outside are landscaped gardens to the front and rear, a brick paved drive and forecourt and a detached single garage. It is a most appealing and individual- ly designed house situated on the edge of Shobdon village offering extremely spacious living accommodation and exceptional fixtures and fittings. The village of Shobdon has an infant/junior school, a shop, post office, church, a village inn and a light aerodrome offering flight training of small aeroplanes and helicopters. The property is offered for sale with no ongoing chain and viewing is strictly by prior appointment with the agents.

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Hereford Property Times 24/03/2011

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THE PROPERTY GUIDE FOR HEREFORDSHIRE, MID-WALES AND SOUTH SHROPSHIREAndrew Grant ......... 24,25 Andrew Morris ............. 7 Arena Lettings ............. 18 Arkwright Owens .......... 38 Balfours with Berringtons ................................. 38 Bairstow Eves .............. 16 Barry Bufton ............... 37 Berkeley Homes ........... 43 Belvoir ...................... 40 Brightwells ................... 14 Brightwells Lettings ...... 41 Cobb Property ........ 34,35 Crest South West ......... 42 Connells ....................... 10 Flint & Cook ........ 4,5,6,40 Fox Grant .................... 44 Hayes ...................... 32,33 Jacksons International 2,3 John Amos ............. 30,31 Jonathan Wright ........... 17 Knight Frank ........... 22,23 Maitland Rachel . 27,28,29 McCartneys ............. 20,41 Nicholas Craddock ...... 11 Nigel Ward ................. 39 Northwood ................... 26 Parrys ......................... 12 R M Caldicott ............... 39 Roscoe Rogers & Knight 41 Sunderlands & Thompson ................................. 21,37 Stooke Hill & Walshe .... 15 Strutt & Parker ......... 8,9 Taylor Wimpey ........... 42 Trivett Hicks ................. 13 Watkins & Thomas .. 36,37 Williams ........................ 19For professional advice on advertising on the property pages, call our dedicated team on 01432 845803

INDEX

Cottage full of characterChapel House, Whitney-on-Wye, Herefordshire Agent: McCartneys Offers: 475,000 Call: 01497 820778 CHAPEL House is a beautifully presented and modernised character cottage located in a quiet rural setting surrounded by panoramic views across the Wye Valley. The cottage offers a host of character features that include a large inglenook fireplace and a wealth of exposed timber work combined with modern improvements, such as an oil-fired central heating system and hardwood double glazing. This fine property is a character three-bedroomed, three-bathroomed country cottage. The cottage is surrounded by approximately half an acre of grounds which includes a fantastic orchard with a range of mature

fruit trees. The property benefits from a large attached garage which offers great potential for conversion into extended living space (subject to the necessary consents). Planning permission does exist for the addition of a conservatory and a detached double garage.

Appealing village home and gardenHill Grove, Shobdon Agent: Jonathan Wright Estate Agent Offers: 370,000 Call: 01568 616666 HILL Grove is a detached and individually designed, modern house offering double glazed and gas fired centrally heated living accommodation. It comprises a canopy porch, reception hall, dining hall, lounge, a large kitchen/breakfast room/utility, four bedrooms (two ground floor plus two first floor), a main ground floor bathroom/shower room, first floor bathroom/shower room/en suite and a large gallaried landing. Outside are landscaped gardens to the front and rear, a brick paved drive and forecourt and a detached single garage. It is a most appealing and individually designed house situated on the edge of Shobdon village offering extremely spacious living accommodation and exceptional fixtures and fittings. The village of Shobdon has an infant/junior school, a shop, post office, church, a village inn and a light aerodrome offering flight training of small aeroplanes and helicopters. The property is offered for sale with no ongoing chain and viewing is strictly by prior appointment with the agents.

Also search for property online at our website, herefordtimes.com/homes

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Alert for would-be landlords

Warning over buy-to-let finance schemeA NEW wave of creative financing schemes, targeted at novice buy-to-let investors, are returning to the market with potentially dangerous consequences, warns property lettings specialist Belvoir. Advertisements and seminars enticing people to look at ways to buy a property for rental, without the need for a cash deposit, need to be viewed with extreme caution and not even contemplated without some basic research and checks, says Belvoirs Terry Curthoys. Terry, who runs the local Belvoir office on Broad Street in Hereford with Jeff Crawley, says: Because investment in buy-to-let is unregulated in the UK, the Latin phrase caveat emptor let the buyer beware is a very clear warning to anyone wanting to explore the current wave of popularity in BTL investment. Many of the zero-deposit property-buying clubs and groups which grew rapidly and then disappeared during the housing market slowdown in 2008 are creeping back, and some of them have no morals. A substantial number went into receivership, with their directors fleeing overseas to avoid claims and litigation leaving a trail of disaster behind them. Such operators made large margins by claiming to interest only mortgages, but then failed to achieve the rental returns promised, leaving them with a substantial short fall. These novice investor landlords then struggled to re-mortgage as the property was worth less than between 25 and 50 per cent of the inflated purchase price. As a direct result thousands had their properties re-possessed between 2008 and 2010. Mortgage deals which do not require a deposit and can only be achieved by creative 'over inflation' of the property price could well be close to mortgage fraud, added Terry. Some of these operators even suggested using credit card payments as a deposit, which is a totally irresponsible thing to do. Belvoir urges new, and inexperienced, investor landlords to carry out detailed checks before being lured into these schemes. How much better is it to ask for impartial advice from an independent and professional property lettings agency which can help to compare deals and offer free advice without sale or introduction fees? says Terry. As a local business, with very high standards to maintain, we are not in the property market for short term, selfish motives. We want investors to succeed and not get drawn into a deal they will live to regret. Dorian Gonsalves, managing director of Belvoir, which has over 140 offices throughout the UK said, Its the old adage, if a deal sounds too good to be true, it usually is. Potential property investors should spend time investigating the local area, to determine average selling prices and realistic rental prices. He said specialist professional agencies such as Belvoir would have their ears to the ground when it came to local property market knowledge.

source below market value (BMV) properties, promising big financial returns for investor landlords. But the properties were often over-priced, and the operators charged hefty fees for their services at the time of making an offer and on completion of purchase. Many investors took out no-deposit, over-inflated

Three-bed home32 Pilley Road, Tupsley, Hereford Agent: Watkins & Thomas Offers: 189,000 Call: 01432 272280 THIS three-bedroomed semi-detached family home is well presented and in good order throughout. The property benefits from gas central heating, replacement double glazed windows and comprises of an entrance hall, a cloakroom/WC, a living room with a timber fire surround and marble hearth. Folding doors give access to the dining room and sliding patio doors opens into a conservatory. The kitchen is fitted with wood effect units and has a tall pull out larder cupboard and built-in oven. The first floor landing has doors to a bathroom with separate WC, and three bedrooms, two with builtin cupboards. To the front of the house is a carport, beyond which is a garage with double wooden doors, power, lighting, and a personal door to the side. The rear garden has a patio area, a garden store, lawn, and is screened by mature dense evergreen hedging.

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People making plansHerefordshire Council weekly list of planning applications BISHOPS FROME: Replacement and enlargement of a lean-to (retrospective application) for Miss Rachel Hill at Halmonds Frome. BRIMFIELD: Proposed material and fenestration alterations to previously approved replacement dwelling, dependant relatives accommodation annexe to replace previously approved double garage DCNC2008/1315/F for Mrs Natasha Selly at Spam Hill. BROMYARD AND WINSLOW: Fell one leylandii for Mrs Julie Jenkins at House Schallenge. BURGHILL: Two detached dwellings for Mr N Christie at Manor House. BURRINGTON: Erection of stable/field shelter for Mrs Annie Arkwright at Yew Tree Cottage. CLIFFORD: Proposed retention of unauthorised garden areas to barn 2 and 4 for Mr Gary Snowzell at Westbrook Barns, Hay on Wye. COLWALL: Singlestorey extension and attic conversion for Mr I Monaghan at Church Road. Removal of 1960s entrance hall and replacement twostorey extension plus extension to front for Mr Anthony Reno at Hillside, British Camp. Fell one conifer for Mrs Claire Thompson at Church Road. CRADLEY: Minor alterations to house including replacement of defective and inappropriate windows within existing openings, replacement of a defective lantern rooflight and refurbishment of summerhouse and loggia including a new sliding glazed screen and small extension to conservatory roof for Mr L Johnson at The Halesend, Storridge. General storage building for Mr F Garlick at Copley Farm, Acton Beauchamp. CREDENHILL: Site for detached dwellings for Mr D Powell at Station Road. CUSOP: Demolition and replacement of a single-story extension, proposed new external timber deck with verandah and demolition and replacement of first floor extension for Mr John Winter at West Cwm. DORSTONE: Crown reduce one sycamore by 30 per cent for Mr Irvine at Chapel Lane. EARDISLEY: Fell one oak tree for Mr Peter Furlong at Arboyne House, Church Lane. EYE, MORETON AND ASHTON: Installation of bathrooms into first and second floor rooms for Mr Robert Jenrick at Eye Manor. GANAREW: Construction of dormer bungalow units to form eight bedroom assisted living accommodation with staff and accommodation in the room for Mr Robin Cheesman at Ganarew Care Home. GARWAY: Conversion of redundant farm buildings into residential use for Mr John Sparey at Nantewain, Broad Oak. GOODRICH: Provision of gates and side fences to entrance to Rudges Barn for Mr Richard Vaughan at Huntsham Court. HEREFORD: Removal of stud wall on landing, new corridor with stairs accessing bedroom, demolition of lean to utility room and extension of existing driveway for Mr Jonathan Dallow at 2 Kings Acre Road. Proposed house and parking for Mr Phil Bosley at Breinton Road. Construction of conservatory, provision of new vehicular access to side of property for Mr David Pugh at Crescent, Tupsley. Variation of condition two of planning application DCCE2009/0936/F to provide home office above garages and adjustment to plot orientation for Mr Chris Davies at Grimworth Cottage, Hampton Bishop. Erection of plinth two metres high to support the Bulmer Woodpecker statue for Mr Stephen Kerry at Grimmer Road, Eign Street. HOLMER AND SHELWICK: Conversion of three barns into three residential units together with revised access road from Coldwell Road, car parking facilities and gardens for each unit, part retrospective, for Mr and Mrs D Watkins at Barns at Highfield House, Coldwell Road, Munstone. HOPE MANSELL: Erection of detached MADLEY: Alterations to existing dwelling to include a brick skin to perimeter, new roof and single-storey extension for Mr Nigel Green at 1 Stoney Street Court. MUCH BIRCH: Installation of photovoltaic solar pv panels on existing chicken sheds for Mr Mark Green at Court Farm. MUCH COWARNE: Proposed office and store for existing firm of agricultural and civil engineers for Mr George Day at Much Cowarne. MUNSLEY: Non-material amendment to planning permission DCNE2004/1082/F, change render from rough cast to smooth, for Mr Simon Conrad at Burford, Hereford Road. ORCOP: Proposed conversion of outbuildings to office, conversion of garage into ancillary annexe and garage alterations for Mr D Chang at Shady Gardens. ORLETON: Crown reduce and crown thin one apple tree by 20 per cent, remove one large limb and reshape one mountain ash for Mr Edward Clanzy-Hodge and reduce the height of one leylandii for Mr Dennis Woodward at 11 Mortimer Close. PETERCHURCH: Provision of bay window to lounge for Mr and Mrs Chris Starnes at Orchard. SUTTON: Proposed new three-bedroomed dwelling for Ms Sarah Farr at Sutton St Nicholas. TARRINGTON: Proposed certificate of lawful development for an existing use for Oak House, Cider Mill and Bakehouse as single private dwellings for Mrs Vivien Kouzeleas at Oak House, Eastwood. UPTON BISHOP: Agricultural workers dwelling for Mr Simpson. VOWCHURCH: Demolish unused chimney and re-roof over gap for Mr Michael Waistel. WALTERSTONE: Proposed portal-frame building for housing cattle (the proposal will be an open uninsulated building) for Mr Mansell Powell at The Monnows. WELLINGTON: Proposed relocation of garage for Mr R Walker at Wellington Chapel. Fell one silver birch for Busy Bees Pre-School at Playgroup, Village Street. WHITBOURNE: Replacement windows and doors for Mr Graham Shimmin at Bringsty. WIGMORE: Erection of a single-storey porch to rear of house, replacement UPVC window and door plus internal alterations for Ms Alison Merry at Brook House. Erection or two-storey extension for Mr A Ion at Limebrook Lane, Lingen. WOOLHOPE: Certificate of lawfulness for the retention of timber shed for the use of storage for Mr K Mifflin at Woodlands Manor.

three-bay oak garage for Mr D Howle at Hope Mansell. KINSHAM: Erection of agricultural storage building for Mr S G Deakins. LEDBURY: Proposed variation of condition two of planning permission DMN/102827/F (retrospective change of use of agricultural land to provide car parking and hold auction sales, car boot sales and fairs) for Mr H Pugh on land at Hazle Meadows, Ross Road. Construction of single-storey extension for Mr Simon Jones at Deerpark. Erection of conservatory for Mr G Gilbert at Gilberts Farm, Lilly

Hall Lane. Fit two rooflights in existing single-storey lean-to roof at rear of house, form openings in existing roof construction to suit similarl to ceiling, form lightwells to link rooflights with ceilings for Mr and Mrs I Beer. LEOMINSTER: Erection of white PVCU conservatory to front elevation for Mr and Mrs Batty at Green Lane. Proposed site for one dwelling and detached garage for Messrs W P and E Blanchard at Buckfield Keep, Barons Cross Road. LETTON: Steel portalframed extension to cattle housing build-

ing for Mr Colin Thomas at Kinnersley. LINTON: Proposed alterations to existing portico entablature c/o agent at Warren Lane, Aston Crews. LLANGARRON: Firstfloor extension and associated alterations to ground floor for Mr and Mrs Sam Hughes at Llangarron. LLANVEYNOE: Proposed repairs to existing pigs cote, conversion of building to guest accommodation, conversion of second building to recreational area for selves and guests, alterations to third building to allow for internal bat hot box for Mr and Mrs J Tufnell at Great Cwm.

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Flats in market townsC A N T S E E YO U R D R E A M H O M E H E R E ? S e a r ch m a n y m o r e p r o p e r t i e s i n y o u r ch o s e n a r e a 2 4 - 7 a t h e r e f o r d t i m e s . c o m

Light and airy livingFlat 1, 25 Broad Street, Leominster, Herefordshire Agent: Nicholas Craddock Offers: 105,000 Call: 01568 616999 THIS attractive and spacious two-bedroomed first floor flat occupies an excellent location at the bottom of Broad Street on the fringe of Leominsters town centre. In a Victorian building with Georgian style windows, it was converted many years ago and enjoys both views up Broad Street and out into Bridge Street, making it very light and airy especially in the sit-

ting room. The property benefits from recently installed gas central heating and consists of a hallway, a sitting room with a gas fired coal effect fireplace, a kitchen/dining room with a good range of units and coal effect fireplace. The bathroom

has recently been refitted and one of the two bedrooms has a large window to the side and fire escape staircase. The sale of this flat offers an ideal opportunity for first time purchasers, retirement, or of course for those wishing to invest.

Central locationFlat 4, Priory House, New Street, Ross-on-Wye, Herefordshire Agent: Flint & Cook Offers: 95,500 Call: 01989 562009 THIS is a grade II-listed, first floor one-bedroomed apartment, conveniently located a short walk from the centre of town. The property is in excellent condition and features original windows, floorboards and cast iron fireplace. There is a modern fitted kitchen and outlook across Ross from the bedroom window. A main front entrance door leads from New Street into the hall, with stairs leading to the apartment front door.

The living room/kitchen area has original floorboards and a cast iron Victorian fireplace fitted with light wood effect panels and granite effect worktops, there are integrated appliances and a fireplace (not used). The bedroom has wooden

floorboards and an unused fireplace, and there is also a shower room/WC with bidet and wooden floorboards. This lovely apartment is close to all amenities, the beautiful local countryside, and is within a mile of the M50 motorway junction.

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