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Celebrating the Spirit of Christmas with Albert Grace Estate Agents
At Albert Grace Estate Agents, we believe in spreading joy, love, and warmth this festive season. As we wrap up another successful year, we extend our heartfelt gratitude to our incredible clients and community for trusting us on your property journey. This Christmas, we celebrate 20+ years of dedicated service ...
Effective Tenancy Management with Albert Grace Estate Agents
Managing a tenancy can be challenging, but with Albert Grace Estate Agents, it doesn’t have to be. With over two decades of experience, our team ensures that tenancy agreements are upheld fairly and efficiently. Key Areas of Tenancy Management: Exit Management: We guide landlords through the exit process, ensuring compliance ...
Smart Selling: Tactics for a Competitive Market
Selling your home can be daunting, especially in today’s competitive market. To ensure success and maximize profits, implementing effective strategies is key. At Albert Grace Estate Agents, we understand the complexities of selling property in a fast-moving market. Here's how we can help: Enhance Kerb Appeal: First impressions matter. A ...
Why More Landlords Are Selling Tenanted Properties
The rental property market is undergoing significant changes, making traditional “set and forget” strategies less viable. At Albert Grace Estate Agents, we understand the challenges landlords face in today’s market and are here to offer solutions. Key Factors Driving Landlords to Sell: Declining Profit Margins: With increasing costs and reduced ...
Are Homes Becoming More Affordable? Key Factors to Consider
The question of home affordability is on the minds of many aspiring homeowners. In recent years, various factors have influenced the housing market, making it both challenging and, for some, more accessible. Here, we’ll dive into four essential factors shaping home affordability today: Interest RatesWhile interest rates are higher than ...
Preparing Your Property for New Tenants: Essential Paperwork and Legal Compliance
When tenants are ready to move into your property, ensuring that all paperwork and legal standards are met is key to a hassle-free tenancy. Failing to provide important documents or meet legal requirements could lead to disputes or fines. Here's what you need to prepare: Tenancy Agreement: This is the ...
Ready to Let? Here’s What Every Landlord Needs to Know
Renting out your property might seem straightforward, but the reality can often be more complex than it appears. With evolving regulations and tenant expectations, it's crucial to be fully prepared before you list your property on the market. Here's a breakdown of key considerations to keep in mind: 1. Should ...
Money-Saving Tips for Tenants: Simple Changes to Make Life Easier
As a tenant, managing your budget effectively can seem like a challenge, especially with rising living costs. But with a few small adjustments, you can make a big difference! Here are some tips to help you save money and reduce stress: Stay Warm, Stay Snug: As the colder months approach, ...
“How to Successfully Sell and Buy a Home at the Same Time”
Navigating the challenge of selling your home while also purchasing a new one can be complex, but with careful planning and the right support, it can be done seamlessly. Whether you’re moving to a bigger space or relocating to a new city, these tips can help you manage both transactions ...
How to Find the Right Real Estate Agent for Your Property Sale
Selling your home can be one of the most important decisions you'll ever make and choosing the right real estate agent is crucial to making the process as smooth and successful as possible. But how do you know you're picking the right agent? Here are a few key factors to ...
The Housing Market Surge in 2024: What’s Driving It?
The housing market in 2024 is showing strong growth after the setbacks caused by the COVID-19 pandemic. A combination of factors is encouraging buyers and sellers to take action, making this year a great opportunity for homeowners. 1. Falling Interest RatesOne of the main reasons for the housing boom is ...
Budgeting Tips for an Economical Home Move
Moving to a new home is an exciting journey but can often come with a hefty price tag. However, with a bit of planning and smart tactics, you can significantly cut down costs while ensuring a smooth transition to your new abode. Early Reservations Timing is crucial in moving. By ...
Top Tips to Organize Your Paperwork for a Smooth
MoveMoving to a new place, whether you're renting or buying, can be both exciting and overwhelming. To ensure that your transition goes as smoothly as possible, it’s crucial to get organized, especially when it comes to paperwork. At Albert Grace Estate Agents, we believe preparation is key. Below are some ...
Is Home Valuation Important for Your Selling Journey?
When you decide to sell your property, one of the most critical steps is determining its value. A precise home valuation can make or break the selling process. Why? Because if your home is priced too high due to an overvaluation, it could sit on the market for a long ...
Finding the right home for winter
It should not be the case but sadly for many tenants, winter will be a bigger ordeal than it should be thanks to unscrupulous landlords. Feeling cosy in a nice home for winter is simply magical and very important. A good EPC rating EPC certificates show how energy efficient a ...
7 Essential Things Every Home Seller Should Know
1. HOUSE SELLING STATS 51.8% = Percentage of home sellers that fail to sell within 10 months. 1.18%+VAT (1.4% inc.VAT) = Average estate agency commission (sole agency / no sale, no fee). 30% = Percentage of transactions that collapse before exchange of contracts. £2,899 = Average amount a home mover will lose through having ...
👩🏫 Happy Teacher’s Day! 👨🏫
Today, we celebrate the incredible educators who shape our futures, inspire our dreams, and open our minds. Your passion, dedication, and hard work make the world a better place, one lesson at a time. At Albert Grace Estate Agents, we honor all teachers for their tireless efforts and commitment to ...
Spotlight on Canterbury Road: Your Dream Home Awaits!
Are you in the market for a new home? Look no further! We're excited to present this beautiful house on Canterbury Road, Harrow, HA1, available for £359,000 STC. This property offers the perfect blend of comfort, modernity, and convenience, making it an ideal choice for families, professionals, or anyone looking ...
Heading Out for a Summer Vacation? Ensure Your Home Is Secure!
Summer is here, and many of us are eagerly planning our much-needed vacations. Before you pack your bags and head out for some fun in the sun, it's essential to ensure your home is safe and secure. Whether you're looking to rent out your property while you're away or just ...
Albert Grace Estate Agents: 20 Years of Results with Heart
Albert Grace Estate Agents is thrilled to celebrate 20 years of providing exceptional real estate services. Since our establishment in 2004, we have remained dedicated to delivering results with heart, ensuring every client experiences the best possible outcomes. A Legacy of Excellence: Founded by Malay Shah, a seasoned professional with ...
Empathy Matters: Meet Mansi, a Pillar of Albert Grace Estate Agents
At Albert Grace Estate Agents, we believe that empathy is crucial in both leadership and decision-making. It's not just about understanding the market but also about understanding people. Our team leaders, especially Mansi, embody this ethos every day, creating a supportive and productive environment for both our team and our ...
Friendly Experts at Albert Grace Estate Agents
At Albert Grace Estate Agents, our professionals excel in their fields while maintaining a friendly and approachable demeanor. Whether you're discussing financial planning, home renovations, or legal matters, our team ensures you feel comfortable and understood. We pride ourselves on eliminating intimidating jargon and formalities, creating a relaxed and welcoming ...
Discover Your Dream Home at Canterbury Road, Harrow
Albert Grace Estate Agents proudly presents this exquisite family home located at Canterbury Road, Harrow, HA1. Priced at £739,995 STC, this property offers a perfect mix of traditional charm and modern convenience. Key Features: Freehold: Enjoy the benefits of owning the land your home sits on. Semi-Detached: Experience a sense ...
Exciting Event Alert: Grand Union Social and Tour
We are thrilled to invite you to an exclusive event hosted by Albert Grace Estate Agents in collaboration with St George. Join us for a delightful afternoon filled with food, drinks, and entertainment, as we take you on a tour of the stunning Grand Union development in Wembley. Event Details: ...
Discover Your Dream Home on Canterbury Road, Harrow
Are you on the lookout for your dream home? Look no further! Albert Grace Estate Agents presents an incredible opportunity to own a beautiful family home on Canterbury Road, Harrow. Priced at £739,995 STC, this property is sure to exceed your expectations. Property Highlights: Freehold ownership Semi-detached for added privacy ...
Top 10 Reasons Landlords Should Use a Letting Agent
Being a landlord comes with its own set of challenges and responsibilities. While some landlords prefer the hands-on approach of managing their properties themselves, others find significant value in hiring a professional letting agent. Here are the top 10 reasons why you should consider using a letting agent, like the ...
Should I use a letting agent or rent my property privately?
Is it better to be a private landlord or use a letting agent? A question that’s likely been asked by the UK’s 2.7 million landlords at some point in their career – whether they’re just starting out or have been renting property for years. But given that this decision can have a ...
Exciting Event Alert: Countdown to Grand Union Wembley!
Albert Grace Estate Agents is thrilled to announce an upcoming event at the prestigious Grand Union Wembley! Join us in just one week for an exclusive opportunity to explore this fantastic development by St George. Event Details: 📅 Date: Friday, 19 July 2024🕒 Time: 3:00 PM to 6:30 PM📍 Venue: ...
🌍🏡 Celebrating World Population Day! 🏡🌍
On this World Population Day, let's reflect on how population trends impact the real estate market in the UK. With a growing population, the demand for housing continues to rise, presenting both challenges and opportunities for property investors and landlords. Key Considerations: Rising Demand: As the population increases, so does ...
USA Independence Day
Today, we celebrate the spirit of freedom and unity. It's a day to honor our nation's journey, remember the sacrifices made, and cherish the liberties we enjoy. Whether you're watching fireworks, attending parades, or spending time with loved ones, let's come together to reflect on our shared heritage and look ...
Today is Election Day, Make Sure To Vote!
Source: How to vote: Overview - GOV.UK (www.gov.uk) What You Need to Vote in a UK Election? To vote in a UK election, ensure you have the following: You need to be registered to vote before you can vote in UK elections or referendums. Be Registered to Vote: You must be on ...
Being a Landlord is no easy Job!
You need a good agent to help you succeed and save time! There are serious compliance issues and penalties, taxation every landlord needs to think Indeed, landlords must be vigilant about compliance and taxation as they can face serious penalties for non-compliance. Here are some key points to consider: Compliance ...
How Long Should Your Lease Be? Tips for Landlords in the UK
When determining the length of a lease for your rental property, several factors should be considered to balance the needs of both landlords and tenants. Here's a guide to help you decide on an appropriate lease duration: 1. Standard Lease Lengths Short-term Leases (6-12 months): Common for many rental agreements, ...
The Ins and outs of ground rent for landlords!
Ground rent is a crucial aspect of property ownership in the UK, especially for landlords dealing with leasehold properties. Understanding its intricacies can help landlords manage their investments more effectively and ensure compliance with legal obligations. What is Ground Rent? Ground rent is a periodic payment made by the leaseholder ...
Understand what leasehold is?
Leasehold is a common property ownership structure in the UK, particularly for flats and apartments. When you purchase a leasehold property, you own the property itself but not the land it sits on. Instead, you lease the property from the freeholder (landowner) for a specified period, often ranging from 99 ...
Buying a Leasehold Property?
Purchasing a leasehold property means you're buying the right to live in the property for a set number of years, while the freeholder retains ownership of the land. It's crucial to understand the terms of the lease, including the remaining lease duration, ground rent, and service charges. Always seek professional ...
Did you know?
Property can only be put on the market for advertising if EPC has been applied or paid for. The Energy Performance Certificates (EPC) open data site was launched in 2016. It provides both an interface and programmatic access to allow users to search for and download almost 30 million energy performance certificates ...
May 8. World Red Cross Day
Red Crescent Day and World red Cross Day is an annual celebration of the principles of the International Red Cross and Red Crescent Movement. World Red Cross Red Crescent Day is celebrated on 8 May each year. This date is the anniversary of the birth of Henry Dunant, who was ...
Early May bank holiday
🌼🎉 Happy Early May Bank Holiday! 🎉🌼 Get ready to kick back, relax, and enjoy the long weekend ahead! 🥳 Whether you're planning a backyard BBQ, a scenic hike, or simply soaking up the sunshine, make the most of this well-deserved break. Here's to cherished moments, laughter, and making memories ...
Star Wars Day
🌟 Happy Star Wars Day! May the fourth be with you, realtor friends!🏠✨ Whether you're selling a home in a galaxy far, far away, or right here on Earth, may the force of success be with you.#MayTheFourthBeWithYou #RealtorForce #GalacticRealEstate #HomeSalesInAnyGalaxy #ForceOfSuccess #FarFarAwayHomes#RealtorAdventures #InterstellarListings #EarthlyAbodes #CosmicContracts
St. George’s Day
9 Things you didn't know about St George St George wasn't English... ... He wasn't a knight either. ... St George was executed in 4th Century But he Never Visited England The dragon was added later St George was a saint for 1,000 years before the 'holiday' ... England isn't the ...
landlords Financial Responsibility
Pay Income Tax on rental income and National Insurance if applicable Being a landlord comes with great rewards, but also tax responsibilities. Remember to pay income tax on your rental profits and National Insurance if your earnings qualify. Here's the lowdown: ✅ Pay income tax on your rental earnings to HM ...
Happy Ram Navami
?? Celebrating Ram Navami! ?? On this auspicious day, let's come together to honor the birth of Lord Rama, an embodiment of righteousness, compassion, and courage. May his divine blessings fill our lives with peace, prosperity, and harmony. ?️✨ Let's reflect on the timeless teachings of Lord Rama – his ...
Gas and Electrical Equipment: Maintain all gas and electrical equipment safely
Attention all landlords and homeowners in the UK! Ensuring the safety of your gas and electrical equipment is crucial for the well-being of everyone in your property. Keeping your home safe means ensuring all gas and electrical equipment is well-maintained. Your peace of mind matters, so here's what you need ...
Safety: Ensure that the property is safe and free from health hazards.
We make it our priority to guarantee that every property is free from health hazards and potential risks. From regular inspections to prompt maintenance, we're dedicated to maintaining a safe environment for you and your loved ones. With our stringent safety measures in place, you can rest assured knowing that ...
Did You Know?
Tenancy deposit protection was introduced on 6 April 2007 as part of the Housing Act 2004. That's correct! The introduction of tenancy deposit protection on **6 April 2007** was indeed a significant step in the Housing Act 2004. - It mandated that all landlords must place their tenants' deposits in ...
Your Expert Compliance Manager
Renting out a property in London requires adherence to several compliance regulations to ensure the safety and well-being of tenants. Here’s a summary of the key responsibilities for landlords: Safety: Ensure that the property is safe and free from health hazards. Gas and Electrical Equipment: Maintain all gas and electrical ...
Happy Easter 2024
?? Happy Easter to all our valued customers! ?? From our team at www.AlbertGrace.com May your day be filled with joy, love, and blessings. Wishing you a wonderful time with your loved ones. If you're thinking about making a fresh start with a new home, we're here to help you ...
Happy NavRoz 2024
Navroz Mubarak! As we celebrate the arrival of spring and the beauty of nature's renewal, may this auspicious day bring peace, happiness, and harmony to all. Let's cherish the traditions, embrace diversity, and spread love and positivity. Here's to a year filled with growth, success, and endless possibilities! #NavrozMubarak#NewBeginnings#JoyousOccasion#HarmonyAndPeace#CommunityGathering#HappinessAndProsperity#UnityInDiversity#PersianNewYear#Harmony
Here’s how to choose the best energy suppliers for your rental property
With the cold snap of winter at our heels and Christmas coming up, you want to save money on your energy bills where you can. One of the best ways to do this is to change your energy supplier. It may surprise you to know that if you are renting ...
How green is your home? The government increases grants for homeowners
Many homeowners and home movers are seeking a higher Energy Performance Certificate (EPC) rating because they know that it leads to lower monthly bills. By doing this, it also increases your home’s value significantly. Improving the EPC rating of your home from D to C could see an increase in ...
Which emotions compel us to buy a new home?
Home is not just a collection of bricks and mortar, it’s a place that evokes and witnesses a lot of emotion, and this makes it unique amongst all our worldly possessions. The ability to contain our lives and those things that belong to us, such as paintings, memories, and feelings ...
What do landlords and tenants have in common?
The landlord-tenant relationship in the UK is often portrayed as strained in the media. Seen as one-sided often in favour of the landlord it’s sometimes justified. However, it’s always a few bad landlords who tarnish the reputation of many. The reality is that there are many great landlords letting beautiful ...
Would you like to know how to increase your buying power?
Improving your buying power has never been more important. With the increase in the cost-of-living, fluctuating interest rates, and high inflation, you need to pay attention to the details that can counteract these current challenges. A new home could be more affordable than you realise. With that in mind, here ...
Kick your holiday blues by moving to a better home
Why does the weather always seem better at this time of year than during the summer months? One reason could be that summer does not officially end until the last week of September! If you have already taken your holidays and still have the memories of being back at school ...
A renter’s guide For beginners
There are some amazing properties to rent in the UK today. Whether you are a successful business owner, a student, or a young professional, there is no end to the possibilities when it comes to property. Renting offers the freedom from mortgage responsibilities and being tied down, making it a ...
Everything you need to know about joint tenancies
Joint tenancies can be fun and a great way to expand your social circles. They also help reduce your monthly outgoings and spread the financial risk for landlords.More people are renting in the UK than ever before. Tenants are looking at exploring various rental agreements that suit their needs. A ...
It’s no trick to make a lot of money…-Everett Sloane
It's no trick to make a lot of money, if all you want to do is make a lot of money. -Everett Sloane
Selective Licensing
In light of the latest regulations some may have noticed that some London Boroughs have bought in the 'Selective Licensing', a form of licensing that all landlords have to adhere by. Now I can already here you asking ‘Isn’t property licensing restricted to Houses in Multiple Occupation (HMOs) - surely ...
Is a Landlord Responsible for Damp and Mould?
Before we play the blame game..... its important to know that damp and mould is a serious health issue which needs to be addressed asap. There is interesting blog on Mums net which will be useful reading (link)
My girlfriend’s father died of….-Eddie Cantor
My girlfriend's father died of throat trouble. . . . They hung him. He used to work in a bank. But no matter how much the boss likes you, if you work in a bank you can't bring home samples. -Eddie Cantor
If you would know the value of money…-Benjamin Franklin
If you would know the value of money, go and try to borrow some. --Benjamin Franklin
Starting strong is…- Robin Sharma
“Starting strong is good. Finishing strong is epic” - Robin Sharma
Bubble Trouble
I know thats a little play on words there, but last couple of months some of the news I have been reading actually reiminds me of 2004-05 when the first mention of a property bubble where mentioned and everyone know what happend in 2007. So please read the article below, as media ...
If you’d lose a troublesome visitor….-Ben Franklin
If you'd lose a troublesome visitor, lend him money. -Ben Franklin
As demand rises, people are struggling with new-built homes
When you buy or rent a new-build house, you don’t want to finish it and struggle for a solution. A hole where a window should be, no cavity wall insulation and uneven stairs are just a few of the problems to mention. BUYER CHECKLIST ■ Research the developer online before ...
UK house price predicted to slump to 1% next year
New analysis from Knight Frank has suggested that UK house price growth will fall to 1.0% in 2018, following a familiar pattern we have seen since the summer of 2014. However, it's not all bad news as the estate agency believes that house prices will still reach 14.2% cumulatively between ...
Never ask of money spent…-Robert Frost
Never ask of money spent Where the spender thinks it went. Nobody was ever meant To remember or invent What he did with every cent. -Robert Frost
UK rents expected to rise faster than house prices in next five years
Rics survey heaps further misery on Britain’s growing army of renters, who will likely have fewer properties to choose from [sc name="Adsense"] UK rents are expected to rise faster than house prices over the next five years, bringing further misery to Britain’s growing army of renters, according to a survey. ...
A hard Brexit would risk deepening the UK housing crisis
It’s rare nowadays to read the news and feel anything other than abject horror. But occasionally something good appears, even in housing. [sc name="Adsense"] This week, Sovereign housing association announced it has secured £150m from the European Investment Bank (EIB) to build 4,500 homes. Which is good because we need ...
London gloomy, but UK housing market stabilises in November – RICS
There were signs the fragile UK housing market started to stabilise in November after several months of increasing gloom, according to the latest monthly survey of chartered surveyors, but little sense a recovery is imminent. The balance of surveyors reporting that prices had risen compared to those who said they ...
The currency of real networking is….. – Keith Ferrazzi
“The currency of real networking is not greed but generosity” - Keith Ferrazzi
Mortgage approvals 'lowest for over a year'
The number of households taking out new mortgages in November was the lowest in more than a year, according to official figures. UK Finance said High Street banks approved 39,507 mortgages during the month, the lowest since August 2016. The figure represents a 5% fall on the same month a ...
Renters fear ‘constant threat’ of losing their home
One in three private renters (35%) is worried they will have to move in the next year, according to a new Survation poll commissioned by Generation Rent. New research has shone a light on attitudes from renters in the private sector. [sc name="Adsense"] The lack of stability makes it harder for ...
Lost and Found
Lost and Found - The teenager lost a contact lens while playing basketball in his driveway. After a brief, fruitless search, he gave up. His mother took up the cause and within minutes found the lens. [sc name="Adsense"] "How did you do that?" he asked. "We weren’t looking for the same ...
Asking for Help
A devastated-looking man knocks on the door of a woman known for her charity. "Please, ma’am," he says when she opens up, "can you help this poor, tragic family down the block? The father just lost his job, and his wife is too ill to work. They’re about to be ...
It was character that got us…- ZIG ZIGLAR
“It was character that got us out of bed Commitment that moved us into action And discipline that enabled us to follow through” - ZIG ZIGLAR
Loss of mortgage interest relief could bankrupt landlords
[fusion_builder_container hundred_percent="yes" overflow="visible"][fusion_builder_row][fusion_builder_column type="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none"][sc name="Adsense"] The proposed tax changes in the Budget that will limit and then remove the ability to off-set BTL mortgage interest payments against rental ...
UK house prices fell 0.9% in January, Halifax says
UK House prices declined by 0.9% from a month earlier in January, a survey released by Halifax has shown.The change means the average price of a house in Britain is now £220,260 ($272,562). [sc name="Adsense"] House prices in the three months to January period were 5.7% higher than in the ...
Majority of UK Homeowners Unfazed by Interest Rate Increase
Research in recent months has looked at what impact the recent increase in interest rates has had on UK homeowners. Over 1,000 UK homeowners were surveyed and it was noted that while it was the first increase for just 37% of UK homeowners, this climbed to 78% for those aged between ...
'Landlord tax' stamp duty changes raise £2bn a year from buy-to-let and second home owners – double the amount expected
The Government's stamp duty changes are raising twice as much money from home buyers as initially expected, HMRC figures show. Analysis by accounting firm Blick Rothenberg shows that the Treasury has so far pocketed as much has £2bn as a result of the 3 per cent "landlord tax". Originally officials had estimated ...
Millionaires wife
A woman proudly told her friend, "I'm responsible for making my husband a millionaire." "Well what was he before he married you?" the friend asked. "A billionaire." [sc name="Adsense"]
Smoke alarm and carbon monoxide detector regulations for landlords
1. What is the landlord required to do? The new regulations for smoke alarms and carbon monoxide detectors came into force on the 1st of October 2015. The government has published a handy notes for landlords; at least one smoke alarm installed on every storey of their rental property a ...
Benefit claimants face poverty at hands of erratic sanctions system
[sc name="Adsense"] Benefit claimants are subjected to an unacceptable “postcode lottery” that can determine whether or not they are driven into poverty by sanctions, MPs have said. A report by the public accounts committee found that some Work Programme providers and jobcentres withhold payments to twice as many people as ...
Rental Supply Triples For 2nd Straight Month
New rental listings increased by 6.8% in the UK in November, the second month in a row of positive growth, with almost 60% of towns and cities seeing a rise, the latest data shows. Four cities recorded triple digit increases in new rental supply, including Bristol which was up 162.7% ...
Research suggest renters in UK worse off in terms of financial planning
Millions of people in the UK who rent their homes from private landlords are putting themselves and their families at risk of eviction and financial hardship, it is claimed. Many do not have a financial back-up plan and 30% of private renters admit they would not be financially secure if ...
The UK rental property demand falls to two-year low
UK rental property demand falls to two-year low [sc name="Adsense"] Rise in supply sees rent flattening or falling in many parts of the country including London, survey finds Asking rents in London fell by 4.4% in 2016, according to property website Rightmove. Demand for privately-rented flats and houses has fallen to ...
No one likes coughing up rent.
No one likes coughing up rent. But at least these tenants gave landlords creative reasons for avoiding it. [sc name="Adsense"] "With my daughter’s graduation, our new boat, and our trip to Europe this year, we’re a little strapped." "I’m getting real tired of paying this rent every month! You’ll have to ...
House prices are falling at their fastest rate since 2012 as people face 'squeeze on real incomes'
On a seasonally adjusted basis, prices declined by 0.4% in April according to Nationwide. It may not sound like a lot but Britain's recent rampant property market means the drop represents the worst monthly decline since 2012. [sc name="Adsense"] Annual price growth is also weak. Average prices in April were 2.6% ...
The safest way to double your money is….. -Kin Hubbard
The safest way to double your money is to fold it over once and put it in your pocket. -Kin Hubbard
What’s in a name?
A lot of people ask... "Where does the name 'Albert Grace' comes from?" The story goes, Malay wanted to have a name which conveys honesty and thankfulness for all the people whom we meet and the company we would do business with in the future. Grace is also a word that ...
One rule….-Ogden Nash
One rule which woe betides the banker who fails to heed it . . . Never lend any money to anybody unless they don't need it. -Ogden Nash
It`s the job never…- J.R.R. Tolkien
“It`s the job never started that takes the longest to finish” - J.R.R. Tolkien
New bank account
A man walked into a bank and said, "I want to open a joint account." Bank Manager: Very happy to assist you. With whom do you want to open the joint account with? Man: With somebody who has money.
The best way to keep money…-Louis Rukeyser
The best way to keep money in perspective is to have some. -Louis Rukeyser
3 Signs of Positive Momentum in the UK Property Market
Despite the last few months of uncertainty caused by the EU referendum results. There are some clear signs of positivity in the UK property market. [sc name="Adsense"] 1 . Early reports show minimal impact (and growth) from the EU referendum The Royal Institution of Chartered Surveyors reported during August, 12% more respondents nationally reported ...
Could bad buildings damage your mental health?
[fusion_builder_container hundred_percent="yes" overflow="visible"][fusion_builder_row][fusion_builder_column type="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none"][sc name="Adsense"] Research has shown city dwellers are more likely to suffer from anxiety and depression – but could individual buildings have a negative impact on wellbeing? ...
UK employers in low-skilled sectors concerned over Brexit future
UK employers in low-skilled sectors concerned over Brexit future [sc name="Adsense"] Many UK firms in low-skilled sectors employ large numbers of migrants from the European Union. Now, new research suggests they are concerned about their workforce and the future of their businesses following the Brexit referendum vote to leave the ...
Landlord’s repairing obligations
Repairing obligations are often not taken seriously. This is a mistake which can result in courts awarding tenants damages for the disrepair, which in more serious cases can virtually eliminate a tenant’s rent arrears and make recovery of possession under section 8 difficult. The repairing obligation applies where the tenancy ...
Buy-to-let slump puts first-time buyers in the driver’s seat
[sc name="Adsense"] The withdrawal of landlord buyers has left the market freer for first-time buyers without pushing up prices. Buy-to-let landlords are finally in retreat in the housing market, leaving young adults in a better position to buy a property, according to the latest data from mortgage lenders. The Council ...
Mortgage approvals ‘lowest for over a year’
The number of households taking out new mortgages in November was the lowest in more than a year, according to official figures. UK Finance said High Street banks approved 39,507 mortgages during the month, the lowest since August 2016. The figure represents a 5% fall on the same month a ...
Rental growth accelerates by a third in 2017
The latest data and analysis from Countrywide has revealed that rental growth across Great Britain increased in 2017 to 2.4%, up from 1.8% in 2016. According to the figures, the average rent ended the year at £960 per month, up by £23 a month from the start of the year. ...
London house prices fall for first time in eight years as rest of UK rises
London house prices fell for the first time year-on-year since the height of the financial crisis eight years ago, under-performing the rest of the UK, Nationwide has said. The average price of a home in the capital is £471,761, down by 0.6% between July and September compared with the same ...
Two and three-bed buy-to-lets 'will become unviable'
[sc name="Adsense"] Two and three-bed buy-to-let properties will become more difficult to buy under lenders' plans to apply far tougher checks on landlords, new analysis suggests. Landlords with traditional 25pc deposits will be unable to buy property in 91pc of areas if all lenders go ahead with plans to increase the amount ...
Energy efficient homes will 'boost economy'
[sc name="Adsense"] More government investment in home energy efficiency programmes could help tackle climate change and create up to 9,000 jobs, economists have said. Researchers said increased spending could boost economic activity across Scotland and reduce fuel poverty. They have called for a national infrastructure programme to improve the efficiency ...
The village building homes for young families
Residents of a picturesque village in Suffolk are going against the adage of "not in my back yard" by unanimously voting for a new housing development to be built in the desirable area. There is just one important proviso - at least a third of the houses must be affordable ...
Money can't buy friends, but…-Spike Milligan
Money can't buy friends, but you can get a better class of enemy. -Spike Milligan [sc name="Adsense"]
It's no trick to make a lot of money…-Everett Sloane
It's no trick to make a lot of money, if all you want to do is make a lot of money. -Everett Sloane
If you'd lose a troublesome visitor….-Ben Franklin
If you'd lose a troublesome visitor, lend him money. -Ben Franklin
Children are stupid. That's why they're in school.
Children are stupid. That's why they're in school. I'd lecture for an hour about percentages and interest rates and at the end I'd ask one simple question, "You put ten grand in a bank for one year at 5 percent and what do you get?" Some kid would always yell ...
My girlfriend's father died of….-Eddie Cantor
My girlfriend's father died of throat trouble. . . . They hung him. He used to work in a bank. But no matter how much the boss likes you, if you work in a bank you can't bring home samples. -Eddie Cantor
Brexit: Lords to begin debating bill to trigger Article 50
Peers are to begin debating the bill paving the way for the start of Brexit. MPs have already backed the proposed law authorising Theresa May to inform the EU of the UK's intention to leave. But the government does not have a majority in the House of Lords where a ...
Losers make promises …. – Denis Waitley
“Losers make promises they often break. Winners make commitments they always keep” - Denis Waitley [wbcr_snippet id="262000"]
Average UK house prices up 8.3% year on year, official index data shows
[sc name="Adsense"] Average house prices in the UK increased by 8.3% in the year to July 2016, down from 9.7% in June 2016, continuing the strong growth seen since the end of 2013, according to the latest index data. The average UK house price was £217,000 in July 2016, some ...
Money can’t buy friends, but…-Spike Milligan
Money can't buy friends, but you can get a better class of enemy. -Spike Milligan [sc name="Adsense"]
I spend money with reckless abandon…-Ronnie Shakes
I spend money with reckless abandon. Last month I blew five thousand dollars at a reincarnation seminar. I got to thinking, what the hell, you only live once. -Ronnie Shakes
Children are stupid. That’s why they’re in school.
Children are stupid. That's why they're in school. I'd lecture for an hour about percentages and interest rates and at the end I'd ask one simple question, "You put ten grand in a bank for one year at 5 percent and what do you get?" Some kid would always yell ...
Two and three-bed buy-to-lets ‘will become unviable’
[sc name="Adsense"] Two and three-bed buy-to-let properties will become more difficult to buy under lenders' plans to apply far tougher checks on landlords, new analysis suggests. Landlords with traditional 25pc deposits will be unable to buy property in 91pc of areas if all lenders go ahead with plans to increase the amount ...
Graduation Day
It was graduation day and Mom was trying to take a picture of their son in a cap and gown, posed with his father. "Let's try to make this look natural" she said. "Junior, put your arm around your dad's shoulder." The father answered, "If you want it to look ...
General Safety In Letting Properties
General Safety In Letting Properties [fusion_builder_container hundred_percent="yes" overflow="visible"][fusion_builder_row][fusion_builder_column type="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none"][sc name="Adsense"] Why landlords should make absolutely sure that their properties are entirely safe for tenants? Safety aspects come under criminal law ...
Some consultants & letting agents misinterpreting landlords responsibilities regarding legionella
Some consultants and letting agents are using the revised L8 ACOP to suggest that new legislation has been imposed on landlords of domestic rented properties for managing and controlling the risks of exposure to Legionella bacteria of their tenants. This is wrong, the legislation has not changed and misinformation/misinterpretation can ...
Energy efficient homes will ‘boost economy’
[sc name="Adsense"] More government investment in home energy efficiency programmes could help tackle climate change and create up to 9,000 jobs, economists have said. Researchers said increased spending could boost economic activity across Scotland and reduce fuel poverty. They have called for a national infrastructure programme to improve the efficiency ...
Energy Performance Certificate (EPC) Update Aug 2017
In April 2018, private rental properties will need to have a minimum EPC rating of E or it will be illegal to rent them to tenants. This change will only apply to new tenancies and renewals. By April 2020, the rule will be extended to incorporate all private rentals regardless ...
More tenants in UK believe they can own their own home, survey finds
[fusion_builder_container hundred_percent="yes" overflow="visible"][fusion_builder_row][fusion_builder_column type="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none"][sc name="Adsense"] British tenants are feeling more optimistic about their finances and regard buying their own home as a more realistic prospect due to being able to ...
If you want to go fast, … – African Proverb
“If you want to go fast, go alone. If you want to go far, go with others” - African Proverb
Where large sums of money are concerned…..-Agatha Christie
Where large sums of money are concerned, it is advisable to trust nobody. -Agatha Christie
Energy and Persistence….- Benjamin Franklin
“Energy and Persistence conquer all things” - Benjamin Franklin
Brexit: Businesses warn over ‘UK workers first’ proposal
Firms that rely on EU workers have warned of the "catastrophic" impact of proposals to slash unskilled migration on the day Britain leaves the EU. [sc name="Adsense"] Under the draft plan, leaked to the Guardian, firms would have to recruit locally unless they could prove an "economic need" to employ EU citizens. ...
Home owners of low EPC properties could be forced to upgrade them before sale.
Homes with poor energy performance could be banned from the sales market, with owners having to upgrade them before being allowed to sell them. The call has come from the Committee on Climate Change and could affect at least 1.2m homes with EPC ratings of F and G. [sc name="Adsense"] ...
Always live within your income…-Josh Billings
Always live within your income, even if you have to borrow money to do so. -Josh Billings
Saving money
Mother had decided to trim her household budget wherever possible, so instead of having a dress dry-cleaned she washed it by hand. Proud of her savings, she boasted to my father "Just think, Fred, we are five dollars richer because I washed this dress by hand!" "Good", my dad quickly ...
There Are Two Sure Things: Taxes, and Excuses
Here are the best tried-and-failed excuses British businesses gave for not paying their taxes on time. My pet goldfish died. —Self-employed builder [sc name="Adsense"] Our business doesn’t really do anything. —Financial services firm I’ve been too busy submitting my clients’ tax returns. —Accountant Source: HM Revenue & ...
A dollar per point
A professor was giving a big test one day to his students. He handed out all of the tests and went back to his desk to wait. Once the test was over the students all handed the tests back in. The professor noticed that one of the students had attached ...
UK faces shortfall of 1.8m rental homes, warns housing body
[sc name="Adsense"] The Royal Institution of Chartered Surveyors is urging government to reverse stamp duty changes on second homes and incentivise build-to-rent scheme The UK is facing a shortfall of 1.8m rental properties unless the government acts fast to slow a sharp drop in the number of available homes, according ...
To be clever enough to….-George Bernard Shaw
To be clever enough to get a great deal of money, one must be stupid enough to want it. -George Bernard Shaw
Landlord Electrical Safety ….
Always remember, although it is your property but it's someone else's home. Landlords are responsible for the electrical safety of any property you let from the start of the tenancy. Good practice is to complete visual hazard checks to ensure all appliances are non hazardous. Burn marks around sockets and ...
Welcome to your new home #RIP
A client bought a new home and the broker wanted to send flowers for the occasion. They arrived at the home and the owner read the card; it said “Rest in Peace”. The owner was angry and called the florist to complain. After he had told the florist of the ...
UK house price growth has hit 14-month low, says Nationwide
Building society says there are early signs housing market will soften in 2017 as inflation squeezes households UK house prices grew at their weakest annual rate in more than a year in January, in an early sign of the property market slowdown predicted for 2017. [fusion_builder_container hundred_percent="yes" overflow="visible"][fusion_builder_row][fusion_builder_column type="1_1" background_position="left top" ...
Top UK State Schools vs House Prices
Choosing a school can be one of the most important things a parent can do for their child and many are even prepared to move house to make sure they get the right one. [fusion_builder_container hundred_percent="yes" overflow="visible"][fusion_builder_row][fusion_builder_column type="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding="" margin_top="0px" margin_bottom="0px" ...
UK rental values on new tenancies start the year with an increase
Following last years end it looks as though the rental market is up again. Rental values on new tenancies started off in 2018 with a year-on-year increase. Rental prices went up in nearly every region of the UK. Homelet showed an average of 2.4% increase in rental amounts in the ...
ONS data shows UK wealth wedded to property
ONS data shows UK wealth wedded to property [fusion_builder_container hundred_percent="yes" overflow="visible"][fusion_builder_row][fusion_builder_column type="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none"][sc name="Adsense"] Data reveals UK net worth of £8.8tn is four times that of 1995 after massive rise in ...
House prices are falling at their fastest rate since 2012 as people face ‘squeeze on real incomes’
On a seasonally adjusted basis, prices declined by 0.4% in April according to Nationwide. It may not sound like a lot but Britain's recent rampant property market means the drop represents the worst monthly decline since 2012. [sc name="Adsense"] Annual price growth is also weak. Average prices in April were 2.6% ...
TOP TIPS – Looking after your washing machine
If you are a landlord or a tenant, we recommend that you carry out regular maintenance on your domestic appliances; it only takes a few minutes and it could save you lots of unnecessary inconvenience and stress. *Before doing any sort of maintenance on any appliance, turn it off and ...
Reflecting on 2017.
As the year draws to end.... just reflecting on 2017 It’s been a very difficult year for all BTL landlords. Overall the market has been soft, rental prices have come down and void periods or change over between tenants has gone up to 6 weeks on average. Just wanted to break ...
UK Risks Credit Rating Downgrade Due to Brexit Vote
[fusion_builder_container hundred_percent="yes" overflow="visible"][fusion_builder_row][fusion_builder_column type="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none"][sc name="Adsense"][sc name="Adsense"]The UK’s credit rating could be downgraded again if the government fails to retain access to the single market as part of its Brexit negotiations. Britain’s current ...
Talent wins games, ……- Michael Jordan
“Talent wins games, but teamwork and intelligence wins championships” - Michael Jordan
‘Landlord tax’ stamp duty changes raise £2bn a year from buy-to-let and second home owners – double the amount expected
The Government's stamp duty changes are raising twice as much money from home buyers as initially expected, HMRC figures show. Analysis by accounting firm Blick Rothenberg shows that the Treasury has so far pocketed as much has £2bn as a result of the 3 per cent "landlord tax". Originally officials had estimated ...
Coming together is a beginning … -Henry Ford
“Coming together is a beginning, keeping together is progress, working together is success” - Henry Ford
What's in a name?
A lot of people ask... "Where does the name 'Albert Grace' comes from?" The story goes, Malay wanted a name that conveyed honesty and gratitude towards everyone they would meet and do business with in the future. “Grace” was chosen to express thanks and appreciation for the universal spiritual energy that ...
