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Blog Description:

A blog which provides hints and tips and valuable resources about home reports in Scotland. Home reports are mandatory in Scotland when selling your property. The blog discusses all aspects of selling your home and is a valuable resource.
Blog Added: March 07, 2018 06:34:23 PM
Annual Regular Membership: 1 Year Term 2019-03-07 11:34:23 (168 days left)
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As we reach the mid-way point in September, we take a look at some tips that will help you sell your property in Autumn and achieve a high offer. The Festival has been and gone, kids are back at school and buyers are on the... The post appeared first on Home Report...

As we reach the mid-way point in September, we take a look at some tips that will help you sell your property in Autumn and achieve a high offer. The Festival has been and gone, kids are back at school and buyers are on the quest for a new home.

If you’re thinking of getting your property on the market this month or looking to get it ready for the autumn rush of buyers, check out our top tips for helping you to make the most of one of the busiest periods of the year for property sales.

Tidy up

The most obvious suggestion of all but give your property a good clean and tidy. A bit of good old elbow grease can make an amazing difference and is the best place to get started. For photographs as well as viewing, a good clean and tidy up will stand you in good stead.

Clean the Carpets

After such a fantastic summer you and the kids (plus animals if you have any) will have been in and out of the garden, to and from the house, trailing in muck or debris in. Give the carpets a shampoo if you have machine or consider hiring one or getting a professional in to give them a once over. You can purchase carpet shampoo machines in stores such as Argos and B&Q have one you can hire called ‘Rug Doctor’.

Interior Design

Autumn is a great time to do a bit of an interior design makeover. Golds and yellows or mustards are all autumn favourites along with materials such as wood and stone are for decor. Other colours such as terracotta or chocolate are also warming autumn colours. You don’t have to spend a fortune to add a touch of colour in your home, colours can be added on walls but equally as trendy is adding a splash of colours with the use of cushions, picture frames and rugs.

Viewings in Daylight

Remember it’s starting to get dark earlier in the evenings now and is almost completely dark by 8pm. If at all possible, try and arrange viewings with potential buyers during daylight hours so that they can see your property in all of its naturally-lit glory.

Improved Lighting

If you are not able to arrange viewings within natural daylight hours, consider renewing your lightbulbs. Sounds extreme but it’s amazing how much brighter a new bulb can be and much lighter they can be. Choose different wattages of lightbulbs depending on the feeling you want each room to give, for example you might want really bright bulbs for the kitchen or dining area, but a cosier shade of lighting for a bedroom or living room.

Don’t Forget the Garden!

Although the nights are drawing in earlier each evening, the garden should not be overlooked! Homes with outdoor space are highly sought-after, so if you have a garden, now is the time to give it a tidy-up. If you have kids that have been out in the garden most of the summer, try to hide or put into storage any wendy houses, trampolines, sand pits etc so that potential buyers who do not have children can envisage the garden in the way they’d like to have it. Make the most of the afternoon sun by placing a bench or table and chairs where the sun hits so that they can see how the outside space can be used all year round.

If you live in a flat and only have a shared garden, the chances are that even though you may never use it, potential buyers will want to see it anyway. They may feel it gives them an idea of the type of people who live in the stair as to whether or not they can be bothered with up-keep of the garden. Consider borrowing a lawnmower or trimmer to give it a tidy up before the property goes on the market. If you are not able to do that, hire a gardener to do a general tidy up for a few hours.

A Good Airing

If the property you are selling is not currently occupied or you’ve been away on holiday, give the house a good airing. Open windows (and doors if possible) prior to viewings to let air circulate and remove any musty odours. A well-ventilated property is always far more appealing to viewers.

Damp can be an issue for older buildings at this time of year, especially if you dry your clothes indoors. As temperatures fall coming into autumn, we tend to open windows far less. Consider investing in or borrowing a small dehumidifier which can assist in removing the damp air from the atmosphere.

Turn the Heat Up!

After a fantastic summer with high temperatures, we are still having some relatively mild days as we enter autumn, however, we can start to feel a wee nip in the air early morning and late evening! Make your home welcoming and inviting for viewers, take the chill off any rooms before they arrive. Fire the radiators on to heat the room up about half an hour before a viewing or set the heating on a timer so they come on when desired. If you have a real fireplace, get that cracking away, and make your home is cosy to welcome viewers and help them to visualise as if it were their own!

 

If you are looking to sell your property, the first thing you’ll need is a Home Report. We are RICS Charted Surveyors specialising in Home Reports across Scotland from as little as £85. Get in touch today to arrange a time to suit you. We offer early morning or evening and weekend appointments. Call us on 0131 608 0175 or email us at info@homereportcompany.co.uk

The post appeared first on Home Report Company.



Scottish Property Market Round-Up 2018 To Date

Summer 2018 has seen great weather, with an extended heatwave like we’ve not seen for years, as well as an exciting football world cup in Russia, and much turmoil in the world of politics…but what’s been happening in the property market? We take a look... The post Scottish Property Market Round-Up 2018 To Date appeared first on Home Report...

Summer 2018 has seen great weather, with an extended heatwave like we’ve not seen for years, as well as an exciting football world cup in Russia, and much turmoil in the world of politics…but what’s been happening in the property market? We take a look at the changes that have happened and what has had the biggest impact on UK housing over the summer.

Interest Rates

At the start of August, after much speculation, the Bank of England increased interest rates from 0.5% to 0.75%. This is only the second rise in over a decade.  Despite Brexit uncertainty and apprehensions over inflation, strong employment levels, greater consumer spending, the prospect of wage rises and predictions for a strengthening economy gave the Bank’s Monetary Policy Committee (MPC) the confidence to act.

The changes mean that 3.5 million people on variable or tracker mortgages now face higher monthly repayments – though, in most cases, only up by slightly more than what they were paying before.

The majority of first-time borrowers, who are typically on fixed-rate deals won’t be affected by the rise and fall of interest rates and subsequently won’t see any change in their mortgage costs.

Mark Carney, The Governor of the Bank of England talked about further increases in the future but said that they would be gradual and limited. Financial markets expect two further rises, of 0.25% each time, in 2019 and 2020, bringing the base rate to 1.25% by 2020. A return to interest rates of 5% or higher, a familiar position before the global financial crisis took hold in 2008, though it is thought highly unlikely.

People who are looking to re-mortgage are still being encouraged to act, to lock in favourable deals before interest rates rise again in the next couple of years.

Higher Than Average House Prices

The average house prices increased in July, leading to the average home in the UK costing a new record high of £230,280, according to Halifax. The annual rate of growth grew from 1.8% in June to 3.3% in July, while prices went up by 1.4% on a monthly basis.

Managing director at Halifax However, Russell Galley, advised that despite the improved quarterly and annual rates of house price growth, housing activity remained weak. On the upside, the labour market remained strong, with the number of people in employment increasing by 137,000 from March to May and pressures on household finances eased as average wages continued to rise at a faster rate than consumer prices.

He also stated that the Bank of England’s interest rate rise was unlikely to have a significant impact on either mortgage affordability or transaction volumes.

Stamp Duty – First Time Buyer Confusion

The headline finding from research carried out by online broker L&C Mortgages was ‘Some 31% of first-time home buyers don’t know if the stamp duty abolition announced in the last Budget will help them when they purchase their first home’. It also revealed that 13% of buyers thought they would save more than £5,000 under the new rules.

Most English first-time buyers think that the government need to go further with stamp duty cuts, with 62% arguing that stamp duty should be scrapped for all first-time purchasers regardless of the cost of the property they are buying.

Second Steppers Rely on Support from Friends and Family

According to research carried out by Lloyds Bank, many first homeowners looking to trade up to a bigger property have to rely on financial aid from family and friends, with one third requiring assistance from this source.

Second steppers expect to borrow an average of £25,450 to make the trade up. In most cases, this comes after turning to friends and family for financial support for their first home to the tune of nearly £20,000.

Parents of second steppers said they will dip into their own savings to help their offspring, while approximately 40% plan to re-mortgage.

As a result of these challenges, around 28% of second steppers now plan to have fewer children than originally planned, this is up by 16% since a similar survey last year.

Retirement Market Set to Rocket

Data from Knight Frank suggests that the private retirement property market is estimated to reach a value of £44 billion by 2022, reflecting a 50 per cent increase in just four years.

In the same time frame. The number of private retirement living units is also forecast to increase by almost 30 per cent.

This might help those eager to downsize in their retirement years, who have in the past have struggled due to the shortage of appropriate housing stock.

Currently, there are more than 720,000 retirement units in the UK, but a large portion of this (75%) is social housing. This is changing, though, with private development now making up an average 54% of all new units delivered annually since 2000. This is set to rise to 78% annually by 2022.

If you are looking to sell your property, the first thing you’ll need is a Home Report. We are RICS Charted Surveyors specialising in Home Reports across Scotland from as little as £85. Get in touch today to arrange a time to suit you. We offer early morning or evening and weekend appointments. Call us on 0131 608 0175 or email us at info@homereportcompany.co.uk

 

The post Scottish Property Market Round-Up 2018 To Date appeared first on Home Report Company.



House prices in Scotland rise 5%

The latest UK House Price Index reports house prices in Scotland have risen 5% in June compared with same period in 2017, and up by 0.8% on May. The biggest price rises were in Edinburgh, Midlothian and West Lothian where the cost of an average... The post House prices in Scotland rise 5% appeared first on Home Report...

The latest UK House Price Index reports house prices in Scotland have risen 5% in June compared with same period in 2017, and up by 0.8% on May. The biggest price rises were in Edinburgh, Midlothian and West Lothian where the cost of an average property will cost around £255, 361.

Looking at the whole of Scotland where the price of property is continuing to rise, buyers are now having to fork out an average of £150, 472.

The largest drop in house prices were seen in Aberdeen and Aberdeenshire where they dropped by 2.8% (to £159, 507) and 3.7% (to £189,200) respectively.

House prices across the UK saw an increase in property prices of 3% meaning buyers paid on average £228,384.

Registers of Scotland ‘Kenny Crawford’ said, “Average prices have been increasing each month since March 2016, when compared with the same month of the previous year.

However, residential sales volumes decreased in April, the start of the new financial year by 9.4%. The annual decrease of 9.4% when compared with April 2017 in Scotland is in the context of larger decreases across the rest of the UK.”

Looking at the volumes of sales, 4 out of 32 of Scotland’s local authorities saw an increase, with East Lothian and Perth & Kinross seeing the biggest increase. Meanwhile, the biggest drop in the volume of sales recorded was in Argyle and Bute, Stirling and Inverclyde according to the House Price index Report.

If you are looking to sell your property, the first thing you’ll need is a Home Report. We are RICS Charted Surveyors specialising in Home Reports across Scotland from as little as £85. Get in touch today to arrange a time to suit you. We offer early morning or evening and weekend appointments. Call us on 0131 608 0175 or email us at info@homereportcompany.co.uk

The post House prices in Scotland rise 5% appeared first on Home Report Company.



Top 10 Reasons People Move to A New House

Moving home can be stressful, time consuming and costly, which begs the question why do so many people move to a new house? From lack of space to a new job, our latest blog post explains the top 10 reasons why people decide that relocation is... The post Top 10 Reasons People Move to A New House appeared first on Home Report...

Moving home can be stressful, time consuming and costly, which begs the question why do so many people move to a new house? From lack of space to a new job, our latest blog post explains the top 10 reasons why people decide that relocation is the best option…

1. Need more space

First time home buyers often start with a small ‘fit for purpose’ property to get a foot on the property ladder, but as their situation or circumstances change, they can see outgrow their starter home. It may be that they have met a partner and have plans to start a family meaning a larger home is required or change of job means more expendable income for a bigger mortgage.

2. Upgrade

Deciding whether to improve your existing property or move to a new house entirely can be a difficult decision. It can often be more cost effective to make alterations to your existing home to create additional space, but it’s not always possible, in which case people choose to move to a more practical home or they simple have the funds to upgrade.

3. New job

Relocation with a new job can sometimes mean commuting distance is simply too long so no longer an option. Buying a property closer to a new job means more time at home with family and friends.

4. Kids have flown the nest

Once the kids have grown up and moved out, many parents choose to downsize to a more manageable sized property, often making cost savings from which can be used to enjoy retirement.

5. Relationships

Entering into a relationship will ultimately (in most cases) at some stage involve wanting to move in together. This may mean that one house (or both) persons house will be put on the market to fund something with more space and suitability for a couple. Similarly, when people split-up, a house move for one or both parties is on the cards.

6. Being closer to family or friends

For many people, living closer to their family is highly important and can be one of the key reasons people choose to move home. As the family extends over several generations, parents may feel they’d like to be nearer to their children, and grandparents prefer to live nearer their children and grandchildren.

7. Catchment areas for schools

Everyone wants the best possible education for their children and school catchment areas are a top priority for many property buyers. Properties that are within a few metres of each other can attract very different prices owing to the school catchment area that they fall into. If you are lucky enough to be selling a property in a great catchment area your ideal buyer is someone to whom this matters. If you are outside the catchment area, focusing on other selling features, or appealing to people whose children are already in a nearby private school, will be your best bet.

8. Change of lifestyle or scenery

Those feeling unsettled in their current home or searching for a fresh start are most likely to uproot and move to a completely different location. Whether you want to move from the hustle of the busy city to the peaceful countryside or vice versa, many decide that a change of scenery or lifestyle is the ideal option for them.

9. Cost of running a house

A change of income or need to save money means many choose to relocate to an area where the running costs of a house are much lower. From the price of the house itself to rent or bills, the expense of owning and running a house can cause many to move to a different area.

10. Changes in the surrounding area

Since originally moving into your current home, the neighbourhood might have significantly deteriorated for economic, social or physical reasons. This might mean that you choose to relocate to an area where you feel much happier and more comfortable in your surroundings.

Moving to a new house can be a challenging task but, in most cases, it is extremely beneficial for your lifestyle and peace of mind. Changing factors in your life or personal preference can result in relocation which may initially be rather costly but will be a positive decision in the long run.

We fully understand that moving to a new house can be a stressful experience, which is why we offer home reports at a competitive cost with a fast turnaround time. No matter what your reason for relocating, if you’re selling one or more properties, we can assist with home reports across the whole of Scotland including EdinburghGlasgowAberdeen and Fife.

The post Top 10 Reasons People Move to A New House appeared first on Home Report Company.



Step by step guide to selling your home

Selling your home may seem like a daunting task and you feel like you don’t know where to begin. Check out our step by step guide to selling your home to help make it that little bit easier. Get your finances in order The first... The post Step by step guide to selling your home appeared first on Home Report...

Selling your home may seem like a daunting task and you feel like you don’t know where to begin. Check out our step by step guide to selling your home to help make it that little bit easier.

Get your finances in order

The first thing to consider when selling your home is to work out whether it is financially viable. It can be an expensive affair and costs can soon build up so consider all options such as how strong is the current market? Have you considered extending your existing home in order to meet requirements if space is an option? Would you be set to make a good profit on your property if you sold right now? If you’ve ruled out all of the above and decided now is the best time to get your property on the market, get in touch with your mortgage lender and work out the size of the outstanding mortgage, how much extra you need to borrow and find out if you’re likely to face any early redemption fees on the existing mortgage.

Decide who will market your property

There are a number of ways in which you can market and sell your property. The most traditional way is through a high street estate agent, but it’s becoming more popular these days to use an online estate agent, or alternatively you can sell privately. Do your research and find out which route would be most cost effective for you and how much visibility each of the above will be able to give you (some may give you a deal to list your property on some of the most popular property portals online).

Decide on an asking price

If you opt to use an estate agent, they will be able to suggest an asking price based on a number of factors such as recently sold house prices in the same area and average selling times in the current market. You obviously want to set the right price for which will achieve you a quick sale at the highest profit.

Also remember that buyers are likely to make you an offer below asking price so factor that in to your personal financial circumstances prior to deciding on a selling price. You also don’t need to settle for the first valuation you are given, consider getting a few valuations and choose a middle ground. Many estate agents will offer a free valuation to try and get you on board to sell with them.

Prepare your property for viewings

First impressions count so it’s essential you make your property look its best for viewings. Clear your home of clutter especially the exterior as that is the first thing viewers will notice as they approach the property. You don’t need to spend a fortune to improve the look of your home and a few quick fixes such as a lick of paint, fixing loose fittings, removing or repairing broken furniture can make a massive difference.

If you have pets, it’s a good idea to ask a friend or neighbour to look after them for a few hours for you prior to and during viewings. This will give you the chance to air the property of any odours and pet hair. Also ensure your home is clean and fresh including the garden. Give the grass a cut weekly while you are trying to sell as a freshly mowed lawn looks great. Put fresh flowers in a vase in the entrance hall, open the windows and make sure blinds are open or curtains pulled back to let maximum light in.

Choose a conveyancer or solicitor

Regardless of whether you’ve chosen to sell with an estate agent or privately you’ll need a conveyancer or solicitor to deal with the legal paperwork involved with selling your home. Ask around for a few quotes and get the best price. Some estate agents may offer conveyancing services as part of the cost quoted for selling. Check at the outside when deciding how to sell your home whether or not fees for conveyancing have been factored in to your quote for selling so you don’t have any unexpected surprises at this stage.

Accepting an offer

Your estate agent is legally required to inform you of all offers made on the property. It’s up to you whether you accept, refuse or want to negotiate an offer and the estate agent will act on your behalf. Once an offer has been accepted, your home will be removed from the market, however, acceptance of an offer is not legally binding meaning you are able to accept a higher offer should it come along, or you change your mind with regards to the sale of your home.

Conveyancing

Conveyancing is the transfer of the legal title of property from one person to another. The conveyancing process typically has two major stages, the exchanging of contracts, and completion (also known as settlement). There is a vast amount of paperwork involved at this stage which your conveyancer will deal with, however there is a form which you will be given to complete – the property questionnaire.

Once contracts have been exchanged and settlement has taken place, you’ll be required to agree a move date. Arrange a couple of weeks off if possible around the move dates so you have time to prepare for the big move. Leaving everything to the last month can result in panic and stress, so plan well ahead.

Arrange for removal of goods

Moving home can be expensive, so ask friends and family for recommendations of removal companies that are reliable that they may have use in the past. Phone round for various quotes before booking a company to carry out the move. You’ll need to give the removal company all the relevant information such as move date and time, how many vans you’ll require, and it is advisable to give them a call 24-48hrs prior to the moving date to confirm plans.

Get your personal details in order

Once you’ve sold your home, it’s essential you update all your suppliers etc of gas/electricity/council tax/banks/doctors/broadband of your change of address to ensure all future bills are sent to your new address. Consider redirecting your mail for a period of time after the move to ensure nothing is missed until you have time to update ALL contacts.

Once last clean

Before moving out of your property is common courtesy to leave it in a clean and tidy state. While given the house a once over, it provides an opportunity to check each room for any overlooked belongings. If you notice anything is broken or in need of repair, let your solicitor know.

Completion of sale and moving out

Completion of the sale happens once contracts and keys have been exchanged. At this point, payment for the property will be transferred.  Once the transfer of money has taken place the deeds of the property will be exchanged via your conveyancer or solicitor who will register the transfer for the Land Registry. You can move out pf the property up until the day the sale completes. Make sure all keys (and any spares) have been collected and you have left any relevant information for ye new owners.

Enjoy your new home!

If you are looking to sell your property, the first thing you’ll need is a Home Report. We are RICS Charted Surveyors specialising in Home Reports across Scotland from as little as £85. Get in touch today to arrange a time to suit you. We offer early morning or evening and weekend appointments. Call us on 0131 608 0175 or email us at info@homereportcompany.co.uk

 

The post Step by step guide to selling your home appeared first on Home Report Company.



Top tips for selling your property this summer

Spring and Summer are well renowned for being the best times of year to sell your property, but there’s always things you can do to help generate the best sale price. Read our tops tips for selling your property; Cut the grass During the summer,... The post Top tips for selling your property this summer appeared first on Home Report...

Spring and Summer are well renowned for being the best times of year to sell your property, but there’s always things you can do to help generate the best sale price. Read our tops tips for selling your property;

Cut the grass

During the summer, grass grows much fast so try and mow the lawn at least once a week.  A neatly mowed lawn can really boost kerb appeal, so you want it looking in tip top shape from when your photographs of the property are being taken for your brochure, right through viewings until an offer has been accepted.

Summer Kerb Appeal

Remember first impressions count! So, try and increase your properties kerb appeal further by making sure the outside of your property is neat and tidy as it’s the first thing people will notice as they approach your home. Trim bushes, sweep paths, de-weed, add pot plants with flowering summery plants, paint your front door, move unsightly wheelie bins so they are not immediately visible.

Add a splash of summer colour

it’s best to leave decoration neutral when selling so that buyers can visualise their own furniture in the property and choose a colour scheme. However, you can add a splash of summer colour using cushions/rugs/throws etc.

Let there be light!

Take full advantage of the lighter nights and natural sunlight during the day. Remove any dark, heavy curtains that could block out the light or use tie-backs to keep them wide open. Open blinds right up, open shutters right up, let the light in! A light airy room will add great appeal and likely to make the space appear larger.

Show off outdoor space

Clean and tidy your outdoor space. Add some garden furniture, a BBQ or some seating arrangements so potential buyers can see that the space is an attractive area for entertaining during the summer months and is an extension of your home.

Air the property

About half an hour before viewings are due to take place, open all the windows and let the house air. Try not to do any cooking prior to viewings as the last thing you want your guests smelling as they walk in the door is the curry you made the night before. Try to let the natural air in as artificial fragrances can be over powering if you are not used to them.

Final touches

Consider having a fresh flower vase on show near the front door and smaller poses around the house, polish mirrors, clean light switches, dust skirting boards.

 

If you are looking to sell your property, the first thing you’ll need is a Home Report. We are RICS Charted Surveyors specialising in Home Reports across Scotland from as little as £85. Get in touch today to arrange a time to suit you. We offer early morning or evening and weekend appointments. Call us on 0131 608 0175 or email us at info@homereportcompany.co.uk

 

The post Top tips for selling your property this summer appeared first on Home Report Company.



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