inhouse november 2006 edition

Woodside Road, Woodford Greensee page 14

residential sales lettings new homes international investment

www.lawlors.co.uk

inhousepage contents

1 Woodside Road

2/3 Personal Choice - Black Bush Farm

4/5 Chigwell

6 Bang & Olufsen

7 Repton Park

8/9 Loughton

10/11 Vantis plc

12 Lawlors International

13 Lawlors International and Bancroft School

14/15 Elite Homes

16 Foskett Marr Gadsby & Head

17 BB Partnership Ltd

18/19 Woodford

20 Michael Edmeades

21 Savills Private Finance

22/23 Lettings

24 Sofa Design

25 The Kilns

26 Diabetes UK, All Clear, Ash & Embers

27 SJK Interiors Ltd

28 Majestic Gardens, Cyprus

2 inhouse november 06

choicea personal

november 06 inhouse 3

PRICE GUIDE: £2,200,000 SOLE AGENT

BLACK BUSH FARM • HOOK LANE • LAMBOURNE END

A Grade II Listed Elizabethan Farmhouse built circa 1600

and set amidst 5.2 acres of landscaped gardens and

paddocks. In addition to the main Four Bedroom detached

residence, there is an additional two bedroom annex. In

addition to the accommodation there are various

outbuildings which offer stabling for nine horses, heated

swimming pool and tennis court.

Grade II Listed Farm house comprising: four bedrooms, two

bathrooms, lounge, dining room, study, fitted kitchen/breakfast

room, utility room, TV room, family room, games room, cloakroom,

Gardener's room and cellars.

· Self-Contained Annex including: lounge, dining room,

kitchen, study and two bedrooms both with bathrooms

· Stabling for nine horses with paddocks and land extending

to 5 acres

· Planning permission for additional Barn Conversion

which could be sold as a separate residence

· Leisure Facilities including: swimming pool and tennis court

For more information, please contact the Chigwell office on

020 8281 0123

Stradbroke Drive, Chigwell £1,399,995

Five Bedroom Detached residence offering Cloakroom/WC,

lounge, family room, dining room, kitchen/breakfast room,

utility room, master bedroom with en-suite, family bathroom,

detached double garage & carriage driveway.

Manor Road, Chigwell £1,250,000

Five Double Bedroom Detached Property situated in Chigwell. This particular

home has been carefully maintained and some benefits include master bedroom

with en-suite bathroom, four further bedrooms, kitchen/breakfast room plus

three further reception rooms, to the front of the property there is a block

paved carriage driveway and to the rear there is a mature 135' rear garden.


LAWLORSPROPERTY SERVICES

A selection of properties currently for sale in Chigwell and surrounding areas.

Retreat Way, Chigwell £335,000

Three Bedroom Modern Build Mid-Terraced House, set in a

semi-rural location and ideal for all local amenities and giving

easy access to neighbouring towns and major routes into the

City. This property also benefits with off street parking.

Lambourne Road, Chigwell £595,000

Four Bedroom Detached Property set over three levels. Property

offers good sized family accommodation with a spacious open

plan lounge to dining area. Utility room, two bathrooms, lounge,

dining room, kitchen, secluded rear garden & off-street parking.

Meadow Way, Chigwell £1,225,000

Four Double Bedroom Detached local to amenities and

Chigwell's Central Line Station, the property has planning

permission for the triple garage to be changed into living

accommodation and first storey extension.

Brook Rise, Chigwell £579,995

Four Double Bedroom Detached Property in a sought after

location within a short walking distance to Chigwell

Station and all local amenities. This property is beautifully

presented throughout and viewing is highly recommended.


Please call 020 8281 0123 for more information on these and many more.

116 High Road, Chigwell,Essex, IG7 5BJ

t: 020 8281 0123 f: 020 8281 0222e: [email protected]

Meadow Way, Chigwell £1,100,000

A Four Bedroom Detached family home on a corner plot

boasting a spacious kitchen/breakfast room, utility room,

three receptions and a study. The garden is in excess of

130ft.

Chigwell Rise, Chigwell £965,000

A beautifully presented Four Bedroom Detached Property

with three receptions, fully fitted kitchen/breakfast room, a

southerly aspect garden and being in close proximity to

Chigwell Central Line station and local shops and amenities.

Chevers Halls Barn, Ongar £750,000

This property has the most spectacular views, being set in

a semi-rural setting. It has four bedrooms, a large dining

hall and a spacious kitchen/breakfast room. This property

also benefits from a detached garage with ample parking.

New Forest Lane, Chigwell £999,995

Character Four Bedroom Family Residence in one Chigwell's

most popular turnings, this property benefits from a beautiful

mature garden with outdoor swimming pool and an

outhouse, an early internal viewing is highly recommended.


This Originally Built Four Bedroom-Detached Family Residence

situated with elevated views over looking Chigwell Golf

Course, in excess of 75ft frontage and has potential for further

enhancement subject to the normal planning regulations.

Grove Lane, Chigwell £999,995

This Four Bedroom Detached Cottage is full of charm

and character and is in an idyllic location, this property

has a pool house which is covered with heated

swimming pool and a leisure area.


Beautifully presented Georgian-style Five Double Bedroom

Detached residence, overlooking Chigwell Golf Course with

stunning un-interrupted views. Boasting spacious

accommodation including five bathrooms.

Chigwell Drive, Chigwell £789,995

Three Bedroom Detached Property with two receptions and

a spacious fully fitted kitchen, two attached garages to the

side of the property and has the possibility of an extension

subject to local planning permission.

Stradbroke Drive, Chigwell £1,999,995

A Six Bedroom Spacious Corner Plot Detached Property

in most sought after location. This property a spacious

living accommodation, an attached double garage, three

en-suite bathrooms and a separate family bathroom.

Bartholemew House, Repton Park £515,000

Stunning Three Bedroom, First Floor Apartment offering

spectacular views. Impressive spacious accommodation

boasting solid wood flooring and Granite work surfaces,

viewing highly recommended immediately.


Devonshire House £599,995

A Stunning Three Bedroom Ground Floor Apartment, boasting

three bathrooms, spacious lounge, separate dining room, a fully

fitted kitchen/breakfast room, high ceilings with decorative

covings and having two parking spaces.

Kensington House £369,995

This particularly well-presented Two/Three Bedroom, First Floor

Apartment. This home benefits from its flexible

accommodation, two allocated underground parking spaces

and 24hr 7 day concierge service is also available.

Bartholemew House, Repton Park £439,995

Situated in the prestigious grounds of Repton Park is this first

floor 'blank canvass' for a would be enthusiast to create its own

identity as it has a floor space of approx 15 50 sq ft. Boasting

high vaulted ceiling and large double glazed sash bay windows.

A selection of properties currently for sale in Repton Park

Regents Drive, Repton Park £1,050,000

This six Bedroom Detached Property is set in the tranquil

grounds of Repton Park, with two receptions and a beautifully

crafted kitchen/breakfast room with additional living area, with

en-suite to two bedrooms and two additional bathrooms.

Kensington House £339,995

Spacious Two Bedroom First Floor Apartment set in the tranquil

surrounds of Repton Park. This property benefits from having

spacious living accommodation, kitchen with breakfast bar area

and beautiful views.

Tavistock House £399,000

Immaculate Two Bedroom First Floor Apartment with

stunning views of the surrounding grounds, each bedroom

having an en-suite with an additional guest cloakroom and

with no ongoing chain, a viewing is highly recommended.

Burnett Road, The Avenue £524,995

Three Bedroom Semi-Detached Property with first floor balcony

and integral garaging. This particular abode is arranged over

three floors and comes complete with a fully fitted

kitchen/breakfast room and separate utility room.

116 High Road, Chigwell,Essex, IG7 5BJ


ReptonPark


Currently we are experiencing a high

demand for sale and rental properties on

Repton Park, if you would be interested in

speaking to one of our negotiators and

arranging a free valuation please contact

our Chigwell Office on

020 8281 0123.

Swan Lane Great, Woodcote Park £730,000

Situated on the prestigious "Great Woodcote Park" we have

delight in offering to the market this four bedroom detached

property. Benefits include study, dining room, cloakroom,

lounge, kitchen, conservatory, master bedroom, en suite.


A selection of properties currently for sale in Loughton and surrounding areas.

Albany View, Buckhurst Hill £449,995

Beautifully presented Three Bedroom, Chalet-style House offering

modern fitted kitchen and bathroom, large conservatory and

underfloor heating. Lounge, dining room, kitchen, conservatory,

bathroom, separate WC, single and off-street parking.

Palmeston Road, Buckhurst Hill £1,100,000

Six Bedroom Character Detached family residence situated

within this sought-after road and being ideally placed for the

shopping amenities of fashionable Queens Road, and the

Central Line with its transports link to The City and West End.

Bridge Barn, Coopersale £975,000

Three Bedroom Award-winning Grade II Listed Barn-Conversion

with far-reaching views over surrounding countryside. The

property has a stable block with separate living accommodation

with ample parking and room for garage if required.

Treetops View, Gt Woodcote Park £845,000

Lawlors are delighted to offer for sale this Five Bedroom Executive

Detached Family Residence located on the Popular Gated

development of Great Woodcote Park. The property offers spacious

living accommodation and is offered in good decorative order.

Little Plucketts Way, Buckhurst Hill £1,250,000

An impressive Five/Six Bedroom executive detached family residence situated in what is

popularly regarded as Buckhurst Hill's premier road. The property is within close

proximity of the Central Line Tube Station, Queens Road .


SALE

AGREED


Valley Hill, Loughton £269,995

Spacious Two Bedroom Ground Floor Apartment offered in

stunning decorative order, offering security entry phone system,

allocated parking and own decked garden. Open plan lounge/

diner/kitchen, main bathroom & own & communal gardens.

Lower Park Road, Loughton £530,000

Four/Five Bedroom Victorian residence situated in close

proximity to the shopping facilities of the High road and

Central Line Tube Station with its transport links to The City

& West End.

Park Hill Loughton £575,000

Four Bedroom Detached Property set over three levels. The property

offers good sized family accommodation with a spacious open plan

lounge to dining area. Utility room, two family bathrooms, lounge,

dining room, kitchen, secluded rear garden & off-street parking.


165 High Road, Loughton,Essex, IG10 4LF


Warren Hill, Loughton £675,000

Delightful Four Bedroom Chalet Bungalow offering much

charm and character and is situated in this prime residential

road in Loughton opposite Epping Forest

Devon Close, Buckhurst Hill £529,995

Four Bedroom extended 1930's Semi-Detached residence,

situated in a popular cul-de-sac within Buckhurst Hill, within close

proximity to fashionable Queens Road and Central Line Tube

Station. The property is in excellent decorative order throughout .

Firs Drive, Loughton £499,995

Three Bedroom BUNGALOW situated in a quiet residential

cul-de-sac in North Loughton. This particular property is

offered chain free and can be located by proceeding from

our office in the direction of Epping.

Westbury Road, Buckhurst Hill £489,995

Character residence which is situated on a corner plot being

in the catchment area for St Johns School and ideally

located for the shopping facilities of fashionable Queens

Road and the Central Line Station.

Tycehurst Hill Loughton £840,000

Substantial Four Bedroom Detached family residence

offering: family room, lounge, study, kitchen/breakfast

room, utility room, cloakroom/WC, master bedroom with

en-suite, family bathroom, garage & off-street parking.

Forest Height, Buckhurst Hill £329,995

Two Bedroom First Floor Apartment which has been

refurbished throughout to an excellent standard. Situated

within this prestigious development set behind security

gates with porterage and delightfully landscaped grounds.

Some of your financial questions answered…DAVID KIRKWOOD OF LOCAL ACCOUNTANTS, TAX AND BUSINESS ADVISERS VANTIS, COMMENTS ON SOME OF OUR READERS

FINANCIAL QUERIES THAT HAVE BEEN RECEIVED OVER THE LAST MONTH.

We had a good response to our article last month, which offered the option of providing guidance and advice to some of your financial

questions. This month we have picked the following three interesting issues to deal with.

QUESTION ONE

BEATING THE TWO-HOME TAX

“I own a house in Essex which I use during the week as my job is based here.

My wife owns a home in Scotland solely in her name. I was wondering what

capital gains tax l would pay on a profit of £62,000 when l come to sell the

house in Essex and move back to

Scotland. How can I reduce

the Capital Gains Tax

bill?”

ANSWER:

• A capital gain arising on the sale of your main residence is exempt from capital

gains tax as this is covered by the principal private residence relief. It would

appear you have two residences but the relief is only available on one of these.

You will note that although the house in Scotland is in your wife's name, as a

couple you are deemed to have one matrimonial home irrespective of whose

name the property is in.

• Normally in cases where an individual has more than one residence you

may make an election to the Inland Revenue informing them of the

property that is your main residence, so that the principal private

residence (PPR) relief can be obtained if this property is sold.

• If an election is not in place the PPR will be determined based

on the facts of the case. If it is the case that your PPR is the

house in Scotland, any gains arising on the sale of the other

residence will not be covered by the PPR relief and will be

subject to capital gains tax.

• The capital gain will be reduced by the capital gain annual

exemption which is currently £8,800 for the tax year 2006/07.

You can also obtain capital gains taper relief to further reduce

the gain, but this will depend on when the property was

purchased and how long you owned it before sale. Taper relief

is based on a percentage reduction of the gain and is on a sliding

scale from 5% for properties purchased after 6 April 1998 and

owned for three complete years before sale to a maximum of 40%

if owned for 10 years. If the property was purchased before 6 April

1998 a bonus year is added to the number of complete tax years the

property is held.



QUESTION TWO

DO I HAVE TO GO BUY-TO-LET?

“I have a flat which is coming up for remortgage after five years. I currently live

in South Africa where my husband and I are self-employed. We are both British

but he has South African citizenship and we moved to Cape Town almost five

years ago. The flat has been rented out for the entire period. As this is now the

only flat we have in the UK can we call it our primary residence and so not have

to go down the buy-to-let route in order to get a better mortgage rate of

interest?”

ANSWER:

• The fact that you are both British and this is your only UK property does not

entitle you necessarily to a residential mortgage on the property, as it

depends on your future intentions.

• If you propose merely to retain the property as an investment, and rented

out, then you would have to continue with a buy-to-let mortgage.

• If however it is your intention to return to the UK and resume occupancy of

the property at some stage, then it may be possible to raise a residential

mortgage on the property. This will of course be subject to application to the

lending institution, and your ability to prove a suitable level of income in the

UK for repayment purposes.

QUESTION THREE

WILL WORK LODGING AFFECT MY HOME?

“I am an assistant housemistress and as a condition of my employment I have

to live in accommodation provided by the school. I am just about to buy a flat

and wonder what the tax implications would be if I wanted to let it? Can I claim

it as my private residence if I stay in it for a couple of months before I let it?

Would I be liable for capital gains tax when I sell it? ”

ANSWER:

• As your job requires you to live in the accommodation provided at the school, you

are able to own a residential property and claim exemption from CGT for it as your

main residence which you intend, in due course, to occupy as your main residence.

• The fact that you may let the flat while you are in the job-related

accommodation should not create a chargeable capital gain for that period

of the letting. But if the rental income exceeds your outgoings – including

the interest (but not the capital repayments) on a mortgage – incurred in

maintaining the flat, you will have an income tax liability on the excess.

• It would be recommended that, if possible, your intention to occupy the flat

is borne out by the fact that you do live there for a while. But it is the

intention, rather than the actual occupation, which attracts the exemption

for the period when you did not live there. I would therefore also

recommend that you record on the letting pages of your annual tax return,

that it is your intention to occupy the property as your residence, when you

leave your job-related accommodation.

Previous Vantis articles can be read on-line at www.lawlors.co.uk/publications.asp

Vantis has a vibrant local office in

Loughton, with a team of experts

who know the area and its

businesses well. Vantis is the 13th

largest firm of accountants, tax and

business advisers in the UK and has

the specialist skills to advise on all

aspects of taxation.

Call David Kirkwoodat Vantis inLoughton, on

020 8502 0411www.vantisplc.com/loughton

The content of this document is intended for general guidance only and, where relevant, represents ourunderstanding of current law and HM Revenue and Customs practice. Action should not be taken withoutseeking professional advice. No responsibility for loss by any person acting or refraining from action as a result ofthe material in this document can be accepted and we cannot assume legal liability for any errors or omissionsthis document may contain. © Vantis, OCTOBER 2006. All rights reserved. Vantis Group Ltd, a Vantis plc groupcompany, is regulated by the Institute of Chartered Accountants in England and Wales for a range of investmentbusiness activities.

Vantis - QUESTIONS & ANSWERS

Do you have a financial query for our experts?

If you have a question on any aspect of your finances that you would

like to see featured in future issues of Inhouse, then do please get in

touch. All you need to do is send a typed copy of your question, either

by e-mail to [email protected] with “Inhouse Reader Questions”

in the subject line, or by post to: Inhouse Readers Questions,

c/o David Kirkwood, Vantis, Crown House, 151 High Road, Loughton,

Essex, IG10 4LG.

Unfortunately we can't publish answers to all the questions that

we receive. To increase your chances of being picked, please take care

to write your question in simple, clear English and to include any facts

and figures that you feel will help us fully understand the situation.

Alternatively, for a personal consultation, contact David Kirkwood

directly.


Peninsula is proud to announce the launch ofMedina Elvira. Set in the beautiful and tranquilvalley at the Medina Elvira golf resort, frontline golfluxury apartments, duplex penthouses and lofts,offering a wide variety of apartment types,including the latest top of the range fittings andunheard of attention to detail.

Medina is all about views. Spectacular views overthe golf valley, panoramic lake views and breath-taking views of the Sierra Nevada mountains.

All residents have access to the exclusive 18 holegolf course and country club, the Hotel and Spaand the horse riding centre.

Combine this with the historical city of Granada(10 min) skiing at Spain’s best ski resort (25 min)and close proximity to Granada internationalairport (10 min) – Medina has to be the ultimatelifestyle/investment opportunity.

FROM AS LITTLE AS10% DEPOSIT

GUARANTEED RENTALPROGRAM ONSELECTED UNITS FOR UPTO 10 YEARS

FULL ON SITEPROPERTYMANAGEMENT

14% REAL ANNUALCAPITAL APPRECIATION

JACUZZI DECKSON SELECTED UNITS

PLEASE CONTACT SAM LIBORWICH AT OUR LOUGHTON OFFICE ON

020 8502 5588 OR EMAIL: [email protected]

G R A N A D A


BANCROFT’S SCHOOLFounded 1737

OPEN MORNINGFor 11+ entry in September 2007

Saturday 25th November 2006 at 10.00am

Full details of entry to the School at 7+ 11+ 13+ and Sixth Form level may be obtained from:The Admissions Secretary, Bancroft’s School, Woodford Green, Essex IG8 0RF

Telephone: 020 8506 6761E-mail: [email protected] www.bancrofts.essex.sch.uk

Co-Educational 7-18 Independent HMC Day School

PLEASE CONTACT SAM LIBORWICH AT OUR LOUGHTON OFFICE ON

020 8502 5588 OR EMAIL: [email protected]

INTERNATIONAL CITY, PHASE III, DUBAI

BUY TO LET OPPORTUNITY

An unrivalled opportunity to buy a fully furnished, air

conditioned apartment with allocated parking with a

guaranteed rental yield of 10% per annum gross for the

first three years.

For just a 30% deposit (70% mortgage available) with

nothing more to pay until completion, you will own an

apartment in cosmopolitan Dubai and benefit from capital

appreciation while the property is rented and managed.

Lawlors Property Services have partnered with

The Property Platform, to offer this exclusive

development at International City.

YOUR FUTURE. YOUR CHOICE.

apartments from

£47,000


A stunning individually designed family

residence backing onto Woodford Golf Course

This contemporary property has been decorated to

the exacting standards of the current vendors

providing stunning accommodation over three

floors Property benefits include: modern fitted

kitchen, utility room, sitting room, dining room,

cloakroom, master bedroom with luxury bathroom.

Three further bedrooms, sauna, spacious garage

and landscaped rear garden.

WOODSIDE ROAD , WOODFORD GREEN PRICE GUIDE: POA

For more information, please contact our Woodford office on

020 8506 0828

HAINAULT ROAD,CHIGWELLPRICE GUIDE: £1,450,000

A Beautifully Presented Four Bedroom

Detached Property backing Chigwell Golf

Course and benefits from three receptions

and a fully fitted kitchen/breakfast room.

An early viewing is highly recommended as there is

no onward chain.

For more information, please contactour Chigwell office on

020 8281 0123

LAWLORS• E L I T E H O M E S •


Seven Bedroom Detached Property which is

totally bespoke and is designed to reflect

`21st Century modern living accommodation.

This property boasts many features including an

automation system which includes curtains closure,

mood lighting, control keypad video entry system

(full alarm, security system and fire alarm system

with central vacuuming on all floors), TV and

Internet systems, music which is integrated

throughout the property including bathrooms.

This property also has five bathrooms and a fully

fitted modern kitchen/breakfast room with granite

work surfaces.

TOMSWOOD ROAD, CHIGWELL PRICE GUIDE: £2,100,000

ALDERTON HILLLOUGHTON

PRICE GUIDE: £1.25M

Delightful family residence new to the market

for the first time in over 20 years located on

this prestigious road.

The property benefits from spacious

accommodation including imposing reception hall,

kitchen/breakfast room, sitting room, dining room,

family room. Two bedrooms with en-suite facilities,

two further bedrooms, family bathroom,

cloakroom, garage carriage driveway, landscaped

rear garden.

For more information, please contactour Loughton office on

020 8502 5588

For more information, please contact our Chigwell office on

020 8281 0123

My notion of what it would be

like to be a top international

finance lawyer took a battering

this week when watching a TV

programme about the inability

of the Japanese to make use of

the vast majority of their land

for building homes.Geographical flaws means most Japanese land is

unstable and they are confined to living mainly in a

few coastal areas. This of course means extravagant

property prices which push housing costs way

beyond the reach of most. The Japanese have

accomplished this shortage by building up and

scaling down. Skyscrapers dominate cities like

Tokyo. One apartment, only 6 feet by 10 has been

home to a high flying Japanese lawyer for 17 years.

It was almost possible to touch all door

walls without moving from

the middle of

the floor.

Luckily, whilst Britain is an island and we continue to

look for ways to build more and more houses on a

limited space, we are not yet in such dire straights.

Property prices have increased though because of

limited availability. Even with some mortgage

companies offering loans of up to six times annual

salary, record prices make it extremely difficult for a

single person first time purchaser.

At foskett marr we are increasingly asked to advise

in situations where a number of friends or

colleagues group together to buy a single property

Joint ownership schemes of this type are not

complex but do require some forethought. As with

all transactions its relatively easy to buy but much

more difficult to provide for the continued living

arrangements and for the eventual sale of a

property.

In practical terms mortgage lenders

will only allow one mortgage on a

home and the group will have to

agree which mortgage product

suits their needs, and taking into

account their individual savings,

how big a loan they require

In addition to advising on a purchase for a joint

purchase we also help with the creation of a deed

of trust which clearly records the position and

ambition of all parties. In the first place the deed sets

out the contribution each person has made to the

purchase price and the legal costs and expenses. It

then establishes what share of the proceeds each

owner will receive when the property is sold, and

can also provide for their respective contributions to

continuing expenses such as the mortgage and

other outgoings including repairs. Usually these

schemes become difficult when one party wants to

sell or leave and a good deed of trust allows a

mechanism for that to happen, or provides a

formula to allow that persons share to be bought

out.

Luckily Britain is not as short of space as Japan. So if

you are considering a joint or group purchase please

call us, we don’t speak Japanese, but we do speak

good common sense, helping you make your move

run as smoothly as possible.

Duncan Gadsby: partner

Foskett Marr Gadsby & Head


High Road, Woodford Green £719,995

Four/five bedroom, three-storey, semi-detached Georgian

family residence. Benefits include, master bedroom with

en-suite shower room, three/four reception rooms, two

bathrooms, rear garden and off street parking.


A selection of properties currently for sale in Woodford Green and surrounding areas.

Princes Road, Buckhurst Hill £499,995

Benefits include two receptions, kitchen/morning room,

conservatory, in our opinion nice size rear garden with

separate detached self-contained cottage and off street

parking. An internal viewing is a must to fully appreciate.

Percival House, Woodford Green £265,000

Two bedroom ground floor apartment benefiting from

underground parking, an en-suite shower room to the

master bedroom plus an additional bathroom.

Monkhams Ave, Woodford Green £575,000

Circa 1870 Four Bedroom Terrace family property

boasting spacious accommodation over three floors.

Situated on the ever-sought after Monkhams Estate,

immediate viewing is encourage to avoid disappointment.

Shorepoint, Buckhurst Hill £355,000

The property benefits from an open plan lounge /

kitchen with double doors leading to a patio area,

en-suite shower room to the master bedroom.

Immediate viewing is recommended to fully appreciate.

GROVE PARK, WANSTEAD £675,000

This detached Two Bedroom property benefits from a large through lounge

and dinning area, downstairs bathroom. All the bedrooms benefit from fitted

wardrobes offering ample storage, and in our opinion this property offers a

wonderful garden too.


Monkhams Lane, Woodford Green £740,000

Offered to market is this character Four Double Bedroom

property located on the ever popular Monkhams Estate in

Woodford Green. The property has a good sized front for

off street parking with garage and mature rear garden.



457 High Road Woodford Green,Essex, IG8 0XE


Raine Gardens, Woodford Green £295,000

BRAND NEW Two bedroom, Two bathroom first floor

apartment, benefiting from open planned kitchen/lounge

and allocated parking. Viewing by appointment only via

Lawlors property Services Woodford Green.

Sunset Avenue, Woodford Green £895,000

Situated in Sunset Avenue is the Fabulously Presented

Detached Four Bedroom Colonial Style Residence with

uninterrupted views across Woodford Golf Course.

Cranfield Sunset Ave, Woodford Green £299,995

Two double bedroom second floor flat with views over

the local forest and Golf Course. The property benefits

from good sized lounge/diner, kitchen, family bathroom,

communal grounds, parking and garage en-block.

Clementine Walk, Woodford Green £275,000

Offered CHAIN FREE is this spacious Two Double Bedroom

Apartment benefiting from an en-suite shower room to

master bedroom, Lounge with balcony, separate kitchen,

family bathroom and secure underground parking.

Shorepoint, Buckhurst Hill £249,995

Delightful One Bedroom, Top floor Apartment situated

within this prestigious gated development this is an ideal

first-time or investment purchase. Carpets and Washer

Dryer are all inc in this price.

Sky Peals, Woodford Green £560,000

A delightful four bedroom end of terrace family home has

come onto the market offering an abundance of rooms

and space for the whole family to enjoy. A viewing is highly

recommended to appreciate all that is on offer.

Snakes Lane West, Woodford £550,000

Three bedroom Detached Residence benefitting from

three bedrooms, open plan style kitchen/diner, family

room, sitting room, downstairs cloakroom, off street

parking and detached garage to the rear.

Beech Tree Glade, London £379,995

Offering on to the market this three bedroom semi

detached family home, which has outstanding views of

Epping Forest. Benefitting from en suite to master bedroom,

garage to rear, lounge, dining/morning room.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. There will be a fee for mortgage advice. The precise amount will depend upon your circumstances and loan amount, we estimate that the fee will be 0.73% of the amount borrowed. The views expressed and the informationcontained herein is generic and does not constitute advice. Savills Private Finance Limited (SPF) is authorised and regulated by the Financial Services Authority (FSA). The FSA does not regulate buy-to-let or commercialmortgages and taxation advice. Savills Private Finance Limited, 25 Finsbury Circus, London EC2M 7EE. October 2006.

By WENDY DOCHERTY, consultant

SAVILLS PRIVATE FINANCE

Many borrowers start the hunt for a mortgage by scouring the ‘best buy’

tables in their local or national newspaper, or on the Internet. These can be

useful, showing at a glance the cheapest mortgage rates available for a variety of

products – fixed, discounted, base-rate tracker deals etc - at that particular time.

The downside of these tables is that they paint

only part of the picture. They rank products

according to the rate of interest charged for taking

out that deal, with the cheapest topping the pile.

But rate is just one of a number of factors that

should be considered when choosing a mortgage.

The arrangement fee, which you pay to the lender

when you take out a mortgage, is also very

important, particularly as these have been

increasing in recent years. The trend towards

charging high arrangement fees means those

products sitting at the top of the best buy tables

can work out to be far less attractive once this

extra cost is factored in. A typical arrangement fee

can be anything between £500 and £700 but

some lenders charge as much as 1.5 per cent of

the mortgage amount.

High fees aren’t always a problem. As a general

rule, the bigger the mortgage you take out, the

more important the rate of interest is and the less

important the fee. But the reverse is true the

smaller the mortgage: the fee takes on more

importance than the rate.

ADDING FEES TO THE MORTGAGE

Some lenders let you add the arrangement fee to

the mortgage rather than pay it upfront. This may

help with budgeting, particularly as many people

are short of money when buying a new home. But

if you add the fee to the mortgage it is important

to remember that you are paying it back over a

longer period of time – potentially the length of

the mortgage term. This means you end up paying

more because you will have to pay interest at the

same rate as that charged on your mortgage, as

well as the original fee.

USE AN INDEPENDENT MORTGAGE BROKER

The important thing to remember when choosing

a mortgage is to compare like with like. Work out

the total monthly cost of the mortgage to you –

taking into account the rate plus the fees – and

then compare it with what else is on the market. If

you can’t do the sums yourself, an independent

mortgage broker will be able to do it for you.

Finding the right mortgage involves lots of work,

as there are so many different deals available from

scores of lenders. Finding the most competitive

deal is a time-consuming task unless you use a

mortgage broker.

Using an independent broker, such as Savills

Private Finance (SPF), will give you access to the

whole of the market. The likelihood is that those

restricted to a panel of lenders will not be able to

find the best deal.

A good broker will be able to talk through what

sort of loan suits your circumstances and help you

choose a suitable mortgage. SPF also offers

exclusive rates and products, saving you even more

money.



Chigwell Road, Woodford Green £675 pcm

• AVAILABLE SOON

• One Bedroom

• New Carpets

• Modern Kitchen

Forest Heights, Buckhurst Hill £850 pcm

• AVAILABLE END OF OCTOBER - UNFURNISHED

• One bedroom

• Porterage

• Communal Grounds

Crownhill Road, Woodford Green £1,000 pcm

• AVAILABLE NOW UNFURNISHED

• Two Bedrooms

• Fitted Kitchen

• Rear garden

Goldings Road, Loughton £1,100 pcm

• AVAILABLE NOW - FULLY FURNISHED

• Two bedrooms

• Penthouse Apartment.

• Designer kitchen

Love Lane, Woodford Green £1,800 pcm

• AVAILABLE NOW – PART FURNISHED

• Four Bedrooms

• Stunning Décor, Fully fitted kitchen

• Viewing Recommended

Hoveton Way, Ilford £1,950 pcm

• AVAILABLE NOW - UNFURNISHED

• Four Bedrooms

• En-suite to Master Bedroom

• Excellent Condition Throughout

Thurlby House, Woodford Green £675 pcm

• AVAILABLE 27TH OCTOBER - UNFURNISHED

• One Bedroom

• Excellent Condition

• Viewing Recommended

Connaught Mews, Loughton £950 pcm

• AVAILABLE NOVEMBER - UNFURNISHED

• Two Bedrooms

• Ensuite to Master Bedroom

• Close to Loughton Station

Hill Hall, Epping £1,300 pcm

• AVAILBLE SOON - FURNISHED OR UNFURNISHED

• Two Bedrooms

• Allocated Parking

• Set withing 20 Acres

A selection of properties available to let in West Essex and the surrounding areas.

LAWLORS• L E T T I N G S •

SOLE AGENCYSOLE AGENCYSOLE AGENCYSOLE AGENCY

SOLE AGENCYSOLE AGENCYSOLE AGENCYSOLE AGENCY

SOLE AGENCYSOLE AGENCY



The Manor, Woodford Green

• AVAILABLE NOW – FURNISHED OR UNFURN

• Two Bedrooms

• Master with en-suite

• Stunning Setting

£2,000 pcm

Trotwood, Chigwell

• AVAILABLE NOW – FURNISHED

• Two Bedrooms

• Second floor apartment

• Close to Grange Hill central line station

£700 pcm

Rowland Crescent, Chigwell


• Three Bedrooms

• Garage

• Close to Grange Hill Station

£950 pcm

Fernbank, Buckhurst Hill

• AVAILABLE NOW - FURNISHED

• Two Bedrooms

• Ground Floor Apartment

• Gated Development

£900 pcm

New Forest Lane, Chigwell


• Four Double Bedrooms

• En-suite to Master Bedroom

• Spacious Lounge/Dining Room

• Heated Swimming Pool and outhouse

£3,200 pcm

LATEST

LETTINGS

Hillcrest Road, Loughton £2,500 pcm

• AVAILABLE NOW - FURNISHED

• Four Bedrooms

• Stunning Garden

• Excellend Decorative Order

The Manor, Repton Park £3,500 pcm

• AVAILABLE NOW - FURNISHED OR UNFURNISHED

• Penthouse

• Four Bedrooms, two with En-Suites

• Spacious Accommodation

Manor Road, Chigwell £6,500 pcm

• AVAILABLE END DECEMBER - FURNISHED OR UNFURN

• Six Bedrooms

• Stunning Indoor Pool

• Self Contained Annexe

The Lindens, Loughton £2,200 pcm


• Four Bedrooms

• Double garage & off street parking

• Executive detached property

The Uplands, Loughton £2500 pcm

• AVAILABLE NOW UNFURNISHED

• Five Bedrooms

• Two En-Suites

• Hot Tub in Garden

Manor Road, Chigwell £4,300 pcm

• AVAILABLE NOW FURNISHED

• Five Double Bedrooms, Master with en-suite

• Three reception rooms

• Stunning Tropical Gardens


165 High Road, Loughton,Essex, IG10 4LF




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Exclusive presentation on 12 November 2006 on Majestic Gardens byinvitation only at Prince Regent Hotel, Chigwell, Essex.For further information call us on 0845 890 9991 or visit our website.

inhouse november 2006 edition

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