Pretty garden plants you didn’t know you could eat

McCarthy Holden garden plants

By Hannah Stephenson:

Garden designer, grower and social media star Lucy Hutchings, of She Grows Veg fame, has been showing followers the prettiest vegetables to add colour and form to ornamental borders.

“The best way to approach edibles within a planting scheme is to stop thinking of them as edibles and approach them as you would any other plants in your border. Look at height, colour and texture and vary that through the border,” says the designer, who has 171k followers on Instagram.

“You might want some frilly things, spiky things, architectural things, broad-leaved things – and you can achieve all of these textures and looks through edible plants as well.”

McCarthy Holden garden plants
sunflowers in a border

At the recent Gardeners’ World Live event, Hutchings launched She Grows Veg, a fully female design company. In The Secret Homestead show garden, she demonstrated how easy it is to integrate flowers and edibles and still make everything look beautiful.

With a background in fashion design, Hutchings explains: “Grow your own is almost always portrayed in a homespun, traditional, quite humble and slightly apologetic way. My interest lies firmly in edible plants and I never understood why there was this divide in approach.”

a border of ornamental kale

She aims to show people who love flowers and beautiful borders how to embrace the idea that veg can also be gorgeous.

Her show garden was filled with popular ornamental plants mixed with food crops which people might not realise are edible, including hostas, roses, cannas, dahlias, Oxalis triangularis and colocasia – which are traditional food crops in other parts of the world.

Here she suggests a selection of edible plants which will provide colour and texture to any ornamental border.

McCarthy Holden garden plants
Oxalis triangularis

Striped japonica corn

Ornamental varieties of vegetable which blend in beautifully with a flower border include striped japonica corn (which can be used for popcorn), with candy cane striped foliage. “Popcorn is such an easy snack and you can get a lot off a plant,” says Hutchings.

Hostas

“These are very popular in East Asia, where people eat new shoots as they emerge. Take them from an established crown and give the plant a chance to bounce back. They taste similar to asparagus and you don’t get the woodiness.”

Japanese flowering kale

“Japanese flowering kale is sometimes referred to as ornamental kale, but you can eat it. It looks like a big purple flower, with white/green around the outside, fading to pink and bright vivid neon purple.

“All kales are really hardy and you can harvest it year round, sowing it twice a year, once in late summer to grow through winter and again in early spring to grow through summer.” Serve it as you would other green veg.

“I have kales spaced through the border, almost treating it like a great big flower as opposed to a foliage plant.”

Red orach

“This featured in quite a lot of the gardens at the Chelsea Flower Show,” Hutchings observes. “It’s commonly seen in borders and is sometimes referred to as French (or mountain) spinach. You eat it in exactly the same way as spinach despite the fact that it has really vivid purple leaves.

“Add colour through foliage and stem colour as well as flowers. Your greens don’t actually have to be green. Red and purple vegetables tend to be better for you because the red and purple colour is from an antioxidant called anthocyanin which is the same antioxidant that makes blueberries a superfood.”

Colocasia (elephant’s ears)

“A lot of people grow Colocasia as houseplants, but very few realise that it is actually taro, a starchy root you often get in Chinese restaurants – in Asia, it is very commonly eaten.”

Oxalis triangularis (purple shamrock)

“Again, this is a popular houseplant, but the leaves are really delicious, with a sour apple flavour. It’s a beautiful plant which is easy to grow and the leaves can be added to salads for a fruity taste. I’ve also seen it as a garnish on desserts.”

Dahlias

“These are a root crop, originally imported from Europe as a starchy food crop. If you lift them at the end of the season, use some of the tubers for eating. Cook them as you would a new potato – they have a slightly lemony taste. Flower petals of dahlias are also edible.”

Sunflowers

“These give you a lot of bang for your buck. Not many people realise how many ways you can eat a sunflower. They think that you just have to roast the seeds and they’re fiddly. But you can also eat the unopened flowerbuds as you would an artichoke head.

“If you harvest a sunflower head when the seeds have swelled but before the seed coating hardens too much, you can roast and eat the heads like you would corn on the cob.”

WARNING – This article was supplied by the Press Association. Check the facts / information and make sure a plant is edible, please consult an expert.

McCarthy Holden garden plants
ornamental kale
McCarthy Holden garden plants
variety of edible plants
McCarthy Holden garden plants
red orach

Resilient House Market On The Move

Sold board McCarthy Holden

Who would have thought it!

April trading showed a house market defying the doom and gloom peddled in the Media since last year, defying the odds and performing better than expected given the backdrop of the UK economy.

House Buyers Positivity

There are hints of the attitudes that house buyers displayed back in the Covid days, when the house market took off because people wanted to get on with their life’s ambitions determined not to let the disruption of the pandemic get in the way.

Today, the attitude of house buyers seems to be one of pursuing their house buying goals, negotiating cautiously but importantly being decisive and not waiting for the next piece of economic news to impact on their focused approach to house buying.

April Showers Didn’t Dampened April Sales

Take these examples of a properties going to the market, achieving excellent interest in today’s market, and finding perfect outcomes.

North Warnborough, Hampshire – This character 2 bedroom property was put to the open market in April at a guide of £675,000 and the marketing generated multiple buyer interest, resulting in a sale being agreed 5% above the guide price.

North Warnborough, Hampshire

In the Blue Triangle area of Fleet Hampshire, this traditional property hot spot has seen several house sale agreed in April, provide excellent examples of a fast moving market.

During the first week of marketing at a guide of £1,250,000 the buyer response to the property below was excellent, resulting in five viewings in a matter of days and a sale agreed shortly thereafter.

Sale agreed example in April McCarthy Holden
Blue Triangle, Fleet, Hampshire

Also in the Blue Triangle area of Fleet and nearer the top end of the market, the property below was sold (stc) to a cash buyer in April on a guide of £1,675,000.

Sale agreed example in April McCarthy Holden
Blue Triangle, Fleet, Hampshire

And yet again in the Blue Triangle in Fleet, the property below went to market at a £1,100,000 guide and was snapped up with 24 hours.

Sale agreed example in April McCarthy Holden
Blue Triangle, Fleet, Hampshire

The country and equestrian market is also on the move, as per the example below. This fine house in Finchampstead went under offer in April on a guide of £2,250,000.

Sale agreed example in April McCarthy Holden
Finchampstead, Berkshire

These properties provide excellent examples of a house market still very much on the move!

In our area of operation on the Hampshire / Berkshire borders, house prices have held up well with some sectors only slightly lower compared to a year ago. Fears of a major downturn in prices are overdone and with levels of supply improving house sales are being agreed at an increasing rate. This is supported by the fact that our first quarters trading results show a 6.75 increase on the house sales front and a 7% on the house lettings front when contrasted to the same period last year. The resilience in the residential house market continues.

A strong labour market and medium term likelihood of falling mortgage rates are supporting good buyer activity levels and house sellers are becoming more realistic on price if they are serious about moving home, hence we have a more balanced market with buyers and sellers more aligned on where they see pricing.

If you are thinking of a house sale, contact our nearest branch and arrange a free no obligation valuation.

Sale agreed example in April McCarthy Holden
Instagram Post

April Property & Lifestyle Magazine Out Now

APRIL MAGAZINE NEWS ITEM MCCARTHY HOLDEN ESTATE AGENCY

Spring House Moving Activity On The Up!

In our March magazine we said that many home owners decided to tap into the early new year buyer demand, resulting in new properties coming to the market at a good level.

So, levels of supply have recovered and buyers and sellers are not miles apart on where they see pricing and this means house sales are being agreed at an increasing rate.

In this magazine edition we are pleased to show a selection of some of the new to the market properties so we hope you will enjoy exploring the pages which showcase some of the finest properties available on the open market.

You can see the full 68 page magazine by clicking this link or the image below.

2023 First Quarter Property Trading

As indicated earlier, levels of supply have recovered and house sales are being agreed at an increasing rate. This is supported by the fact that our first quarters trading results show a 6.75 increase on the house sales front and a 7% on the house lettings front when contrasted to the same period last year.

The resilience in the residential house market continues. House prices have levelled off, but because the market is more balanced with buyers and sellers more aligned on where they see pricing, then house sales productivity is actually up on the previous year in our area of operation on the Hampshire/Surrey/Berkshire borders.

Editorial Features & Property For Sale

We hope you will enjoy reading some of the editorial features we have pulled together for our readers, including recipes from cookery writer Kim-Joy, an interview with Alex Jones, some interesting insight keeping chickens and Su Scott’s thoughts and recipes on Korean cuisine.

For the super car enthusiast there is a first drive review of Lamborghini Huracan Tecnica by motoring correspondent Jack Evans.

A few samples of our property and editorial content is shown below – just click on an image to read the article / see the property details.

Is The House Market In Trouble?

MARKET COMMENT IMAGE

The UK media headlines are full of alarming headlines with predications about house prices falling on 2023, so how has the market shaped up in early January on the Hampshire / Surrey / Berkshire borders

There can be no doubt  that the upward movement in house prices has stopped and flattened out, however, that doesn’t mean the market has slowed. House sale transactions are at a good level and there is currently a remarkable resilience in the house market.

We should also remember that when intuitions such as the Halifax  or the BBC make statements such as UK house prices will drop by 8%, they are suggesting this for the UK as a whole and not specifically Hampshire / Surrey / Berkshire borders. Also, if you look back on house price predictions in the past they are typically found to be wrong.

There can be no doubt however that the days of constant upward movements in house prices are gone for the short to medium term, despite buyers still being in a competitive environment because there is so little property for sale on the supply side. The cost of living will make buyers more cautious so price sensitivity will be a factor, but the house market will remain in good shape.

Some Facts About January 2023 House Sales

To demonstrate how resilient the market is and how the buyer demand remains very high, just take a look at the following properties that have exchanged contracts in the last five days. This wouldn’t happen in a flaky market because fewer buyers would remain committed to their house purchase.

The following is a selection of properties that have proceed to exchange in the last five days, despite the backdrop of media commentary. The price range is as impressive as the amount of buyers that have remained committed to their individual purchase plans.

The Blue Triangle Fleet – Exchanged c. £1.6m.
Hazeley Lea – Exchanged c. £1.6m
Hartley Wintney – Exchanged c. £900,000
North Warnborough – Exchanged c. £1.3m.
Odiham – Exchanged c. £875,000
Hartley Wintney – Exchanged c. £695,000
Odiham – Exchanged c. £800,000
Odiham – Exchanged c. £600,000
Fleet – Exchanged c. £800,000
Fleet – Exchanged c. £700,000

Fleet, Hampshire – Exchanged This Week (guide c. £1.6m.)

Hazeley Lea, Hartley Wintney, Hampshire – Exchanged This Week (guide c. £1.6m.)

Hartley Wintney, Hampshire – Exchanged This Week (guide £900,000)

North Warnborough, Hampshire – Exchanged / Completes This Week (guide c. £1.3m.)

Odiham, Hampshire – Exchanged This Week (guide c. £875,000)

Hartley Wintney, Hampshire – Exchanged This Week (guide c. £695,000)

Odiham, Hampshire – Exchanged This Week (guide c. £800,000)

Odiham, Hampshire – Exchanged This Week (guide c. £600,000)

Fleet, Hampshire – Exchanged This Week (guide c. £800,000)

Fleet, Hampshire – Exchanged This Week (guide c. £700,000)

By any standards most would agree that this is an impressive performance demonstrating the strength of buyer demand.

We believe the house prices we are experiencing in December 2022 will be around the same level by December 2023, if the current supply side levels remain in place and the cost of borrowing doesn’t increase significantly.

If you need market insight at any time in 2023, just go to our web site and ask your nearest branch for a free no obligation house price appraisal.

UK Drive: Porsche 718 Cayman GT4 RS

Porche post from McCarthy Holden estate agents

By Jack Evans, PA Motoring Reporter.

Only Porsche’s most focused, performance-oriented models get the RS treatment. There’s been longstanding thought that the Cayman has been kept at such a level so as not to interfere with its 911 big-brother – but with the new 718 Cayman GT4 RS, the gloves are off.

This is a Cayman dialled right the way up. Acting as a flagship for the range, it gets the same engine as the larger 911 GT3 but in a more compact, lightweight body. And of course, as with any RS model, it’s got a host of aerodynamic touches that not only keep it as sticky in the bends as possible, but ensure nobody misses it. We’ve been behind the wheel…

Porche post from McCarthy Holden estate agents

WHAT’S NEW?

Every part of the regular Cayman GT4 has been tweaked, sharpened and – in most places – made lighter in its evolution to RS specification. It weighs in at 1,415kg with fuel, some 35kg less than the regular GT4. This has been achieved through the widespread use of carbon fibre reinforced plastic (CFRP) in areas such as the bonnet and wings, while even the carpets have been made thinner and lighter.

A new Weissach package – fitted to our test car – takes these measures even further and adds a titanium roll cage, titanium exhaust pipes and a number of panels that are given a carbon-weave finish for an even sportier look.

WHAT’S UNDER THE BONNET?

The GT4 RS makes use of the same 4.0-litre naturally aspirated flat-six engine that you’ll find in the larger 911 GT3. That means an extra 79bhp over the standard GT4, with total power coming in at 493bhp. Torque has been lifted too, rising from 430Nm to 450Nm. All cars get Porsche’s seven-speed dual-clutch PDK automatic gearbox – there’s no manual option here, unlike the GT4.

What that equates to in terms of performance is a 0-60mph time of 3.2 seconds while flat-out it’ll manage 195mph, edging the standard GT4’s top speed of 187mph. Though fuel economy isn’t, of course, the real goal for a car like this Porsche claims that the RS will still return up to 22.8mpg, though these figures have come through the older NEDC testing cycle.

Porche post from McCarthy Holden estate agents

WHAT’S IT LIKE TO DRIVE?

There’s no need to dance around it – the Cayman 718 GT4 RS drives like few other cars available today. This is a car that takes the performance and brawniness of the larger GT3 and throws it into an even sharper and more compact package. The steering is spot-on, while the gear shifts from the PDK gearbox fire into place with scarcely believable crispness.

Then there’s the noise of the thing. The GT4 RS features air intakes behind the driver and passenger windows, so when you’re accelerating hard you get this glorious blend of intake noise and outright savagery from the engine. The engine, since we’re here, feels even more capable within the Cayman package, while the ride – though firm – is remarkably pliant. We even spent one or two hours on the motorway and the Cayman managed it without a quibble.

HOW DOES IT LOOK?

Porsche’s RS models aren’t known for their shy and retiring looks, and the GT4 RS is no different. Our car’s Weissach package included a carbon-fibre weave bonnet and a huge rear wing, meaning everywhere it went, it attracted a crowd. But these types of cars aren’t designed to fly under the radar, so we can’t fault it for a bit of flamboyance.

The whole car is designed to go fast, after all, which is why it incorporates all manner of aerodynamic touches. The underneath of the car has been optimised to lower drag and it ties in with the rear diffuser, too. As a result of these changes – and others – the RS generates 25% more downforce than the regular GT4, in fact.

Porche post from McCarthy Holden estate agents

WHAT’S IT LIKE INSIDE?

The cabin is definitely stripped back, but it hasn’t been left devoid of creature comforts either. Our car came with air conditioning (something that is usually taken away from lightweight models), and this does help to make the RS more agreeable as an everyday road car. The bucket seats – which can be adjusted for height – are hugely supportive, while the general driving position is absolutely spot-on.

Plus, because it’s still a Cayman, the GT4 RS has a usable front boot section in the nose which has 125 litres, while a rear storage area adds an extra 136 litres, so there’s more than enough space for a few bags.

Porche post from McCarthy Holden estate agents

WHAT’S THE SPEC LIKE?

Prices for the Cayman GT4 RS start from £108,370 and though that represents a huge premium over the regular Cayman’s £47,700 starting price, it feels worth every single penny. Of course, the majority of that cost is going into mechanical upgrades, with all of Porsche’s motorsport learnings poured into this pint-sized performance car.

Features such as an adjustable chassis for race track use and ball-jointed suspension mountings – which help to give more direct handling – show that the upgrades to this car are all about making it go as quickly and drive as sharply as possible. You can – as with any Porsche – bump the price up considerably by going near to the options list, with our test car coming in at just over £133,000 after all of its extras had been applied.

VERDICT

The Porsche 718 Cayman GT4 RS is undeniably one of motoring’s all-time greats. This is a car to remind you just why driving is so special and, through its almost nerve-like link between driver and machine, ensures that each drive is just as memorable as the last.

Though it might be angled towards track use this is still a hugely competent road car and one that should be celebrated wholeheartedly. Its combination of pace and outright agility is nothing short of spectacular. It’s a sports car for the ages.

FACTS AT A GLANCE

Model: Porsche 718 Cayman GT4 RS

Price: £108,370

Model as tested: Cayman GT4 RS

Price as tested: £133,549

Engine: 4.0-litre naturally-aspirated flat-six

Power: 493bhp

Torque: 450Nm

0-60mph: 3.2 seconds

Top speed: 195mph

Economy: 22.8mpg

Emissions: 299g/km CO2

Footnote – If you are looking for the perfect property to go with this car, why not consider this fine home

How to help small birds this summer

Help Small Birds post from McCarthy Holden estate agents

How to help smaller birds fight for their share in your garden

By Sam Wylie-Harris, PA.

One of the joys of having a garden is bird watching – whether it’s birdsong, the flutter of wings, a happy chirp, birds cooling off in your birdbath or feeding time.

When you’ve put out the seeds, scraps or finely chopped unsalted bacon, you want everyone to have a share of the pickings.

But if you’re not careful, it only takes a greedy magpie or squawking jackdaw to steal the best bites and leave the little ones with nothing.

So, is there any way you can at least deter some of the bigger birds to allow the smaller ones a chance?

Help Small Birds post from McCarthy Holden estate agents

Sarah Hancocks, of specialist CJ Wildlife says: “There is never a guarantee that by putting out bird food, larger birds won’t attempt to eat it. However, some foods such as nyjer seed are less likely to attract larger birds because they have the biggest draw to greenfinches and chaffinches.

“Mesh feeders that contain peanuts are also less likely to attract larger birds, as the mesh makes it more difficult for them to get to the food.

“There are also small steps you can take to help keep them away from your caged feeders while maintaining some harmony among all kinds of birds – we never want to leave anyone out,” she adds.

Here’s what experts advise to help smaller birds have their fair share.

1. Add a ground feeder

Ensure the larger birds have their own supply of food away from your small garden bird feeder – Hancocks says this will deter them away from waiting for scraps from the smaller birds.

2. Place your garden bird feeder behind dense shrubbery or planting

“Out of sight, out of mind! Larger ground feeding birds are less likely to forage for food that’s more hidden behind shrubbery and plants,” she says.

“Whereas smaller garden birds such as blue tits and chaffinches will root around for their food in the undergrowth, so hiding your bird feeder can help deter larger birds.”

Place your feeder close to a hedge or wall – this will stop any large birds landing on your feeder, causing it to swing and shake food to the floor.

“This often causes a feeding frenzy for ground feeding birds!” she adds.

3. Place some food higher

As Hancocks points out: “Larger birds are much more likely to sit and feed from greater heights. So by putting out some food on top of your garden shed, one top of a high wall or other high flat locations, this will keep the bigger birds happy and off the smaller garden bird feeders.”

4. Choose food that’s suitable for little birds

Help Small Birds post from McCarthy Holden estate agents

In terms of food to offer small birds in your garden at this time of year, Helen Moffat from the RSPB says black sunflower seeds are popular with lots of garden birds, from finches to robins and tits, along with other smaller seed varieties like millet and flaked maize.

“Split peas, beans, dried rice, lentils and even dog biscuits are sometimes added to cheaper seed mixes to bulk them out – and small birds cannot eat things like this unless they have been soaked, so try and avoid them,” advises Moffat.

Whilst there are chicks in nests, she recommends avoiding foods which pose choking risks like whole peanuts and fat.

“These foods become important later in the year, when birds need more calories to cope with the colder weather,” notes Moffat.

“You can also put out some staples from your own kitchen such as soft fruit, like halved apples and bananas, soaked raisins or grated cheese.”

5. Get the right feeder

As Moffat points out, feeders are key to helping ensure smaller birds can access food, if you’re concerned about larger species taking it all first.

Whatever food you choose, she says it’s still likely to be eaten by larger ones if they can get to it.

“Special nyjer seed feeders have very small feeding holes which are difficult for larger birds to feed from. Finches – especially goldfinches – love this tiny oil-rich seed,” she says.

“Hanging bird feeders are ideal for perch-feeding birds like tits, goldfinches, and greenfinches, and you can deter larger birds with ‘feeder guardians’ – cages placed around the feeders.”

Moffat says no feeder guardian is 100% effective – and small or juvenile squirrels can sometimes squeeze through – so she advises regular checking.

Also, having a mix of feeders is best, she says, to ensure all birds can access some food – and don’t forget clean water too, an essential all year round but especially during hot weather.

6. Consider the weather

Help Small Birds post from McCarthy Holden estate agents

Food for your garden birds becomes vital if there are changes in the weather, warns Moffat, such as the extreme heat we’ve had.

“The hard, dry earth makes it really difficult for ground-feeding birds like black birds and thrushes to reach earthworms, and likewise, cold, wet spells can affect the insects available.”

Why having good neighbours can save you money

Good neighbours at McCarthy Holden estate agents

The importance of good neighbours came to the fore in 2020 and it is highlighted further, with this insight from the Press Associations finance correspondent Vicky Shay.

A priceless benefit

For many people, having friendly and helpful neighbours in their community is a priceless benefit. But according to a new report from Halifax, having good neighbours can translate to actual financial savings too.

Halifax estimates that those benefiting from neighbours’ acts of kindness save £165 per year typically.

From lending a lawnmower to picking up the shopping and looking after pets, it seems the benefits of having a good relationship with neighbours really can add up financially.

The survey of over 4,000 people found that the most common deeds performed by kind neighbours that save people money on their doorsteps include collecting groceries (12%), watering plants (10%) and looking after pets (8%).People said they receive some form of help from their neighbours three times a month typically, the bank’s ‘Community Counts’ report found.

On average, those who are getting neighbourly help receive 10 hours of support a month, with this increasing to 12 hours since the start of the pandemic. On average, the most time-consuming favour that people do for their neighbours is helping out with DIY, which typically takes 42 minutes.

Good neighbours at McCarthy Holden estate agents

The highest cash savings were found to come from neighbours looking after kids (with those benefiting make a saving £313 per year on average), helping out with cleaning (a typical £276 saving) and pet-sitting (saving £248 on average).

Saving money on taxis and public transport, nearly one in eight (12%) people surveyed have had a lift from a neighbour when they’ve needed one.

There are also benefits of convenience, as well as cash savings from having good neighbours.
More than half (52%) say their neighbours have taken in parcels for them when they’ve not been there to open the door, and more than a quarter (27%) get help with taking their bins out.

The types of tasks neighbours help out with have changed since the pandemic started, however. Halifax found people are now more likely to get support from neighbours picking up shopping, but less likely to need help watering plants, as more people have been staying at home – so can take care of these tasks themselves.

It’s likely that neighbours will increasingly help each other out in the future too.
A quarter (25%) of people surveyed say their relationship with their neighbours has improved since the Covid-19 crisis started. Only 3% said it had deteriorated.
A third (32%) would have found it harder to cope during the pandemic without their neighbours, rising to two-fifths (38%) of those aged 18-34.

Good neighbours would also be a strong factor for people in any future house moves, the research found. Nearly three-quarters (72%) of people say that if they were looking to buy a new home, having good neighbours and a strong community would be important, increasing to eight in 10 (81%) among people aged over-55.

To find your perfect new neighbour, why not start your property search here.

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7 Tips for First-time Buyers Hoping to get on the Property Ladder Right Now

The economy is in a tough place – but there are still lots of things first-time buyers can do to boost their prospects. By Vicky Shaw.

While parts of the UK’s housing market have undergone a mini boom lately, there have also been signs that life is getting tougher for first-time buyers.

The choice of low deposit mortgages has shrunk in recent months, as concerns about ‘riskier’ lending have grown. According to NAEA (National Association of Estate Agents) Propertymark, first-time buyers made up 23% of home sales in August, a fall from 25% in July.

However, while the Covid-19 crisis has brought big financial challenges, it also appears to have made some aspiring first-time buyers more determined than ever.

Just over a third (35%) say the pandemic has had no impact on their plans to buy, according to research from Legal & General Mortgage Club.

With many people spending more time indoors than they normally would this year, more than half (54%) of first-time buyers say lockdown conditions have made it easier to save money. A small group of buyers (8%) have even brought forward their plans to buy.

To find out more about how first-time buyers can make the jump onto the property ladder in tough conditions, we asked Kevin Roberts, director at Legal & General Mortgage Club, to share some top tips…

1. Consider getting advice

Get an adviser on your side and get them to do the work for you. They’re going to know the market. Bear in mind that the mortgage market is busy at the moment and applications could take longer than usual. An adviser will work on your behalf to get your application through as quickly as possible.

2. Be prepared

If there is going to be a ‘flash sale’, which some lenders are doing now, you really want to work with your adviser and have everything ready – your payslips, your identification, everything that you need. Be really on the front foot and know what you can afford. Think about your spending habits – you need your credit score to be as good as possible.

3. Can you save a bigger deposit?

A bigger deposit could give you more choice. For example, if you can stretch from putting down a 10% deposit to a 15% deposit, there are more lenders at this level.

Legal & General Mortgage Club’s research has suggested that some people have been able to save more during lockdown, whether that’s from saving on rail fares or fewer coffees, people have been able to save some money.

4. Do you have a family member who can help?

Perhaps a parent or grandparent may be able to help you to top up your deposit. There are also ‘family assist’ mortgages out there, such as Barclays’ family springboard mortgage, where a helper transfers money into a linked savings account for a fixed period.

5. Could other schemes give you a helping hand?

The government schemes available, such as Help to Buy and shared ownership initiatives, may vary depending on what part of the UK you live in.

There are a broad range of lending opportunities around shared ownership. Some options may allow borrowers to ‘staircase’ out of shared ownership, where they purchase chunks of equity back over time.

There is also the Lifetime Isa, which is available across the UK and comes with a Government bonus. Someone must be aged 18 or under 40 to open a Lifetime Isa.

6. Have your priorities changed?

Lockdown has changed where some buyers intend to purchase and the types of property they are seeking. Think about how your needs may have changed over lockdown and if you do plan to buy a bigger property, don’t overstretch yourself.

7. Finally, remember all is not lost if you can’t buy right now

Borrowers need to get their housing plans moving if they want to take advantage of the temporary stamp duty holiday currently in place. Stamp duty applies in England and Northern Ireland, but similar holidays are also in place in Scotland and Wales. But if you’re not in a position to buy right now, you may still find good opportunities in the months ahead.

There have been some signs recently that rising demand may have potentially increased house prices in some areas. While no one can say for certain what will happen in the future, for some people, it may potentially be a good time to buy next year, when things may be a bit more settled and buyers may possibly find they are in a better position to negotiate.

So don’t give up hope, as by really thinking about your outgoings, trying to save and talking to family members, you could really boost your ability to get onto the property ladder.

Preview Property For Sale Finchampstead

WELLINGTONIA AVENUE PROPERTY FOR SALE FINCHAMPSTEAD

We are pleased to bring you a preview of this property in Wellingtonia Avenue, which is due to go to the open market soon at a guide price around £1,500,000.

Wellingtonia Avenue is a sought after area on the cusp of Crowthorne / Finchampstead in Berkshire.

Take A Video Tour of the Grounds and Setting

This character five bedroom house is set in beautiful grounds of around 1.5 acres and full details will be available soon. For now please take a look at the video tour of the grounds and outside of the property, and we will soon be able to access the property again to obtain interior photographs and video content.

This character home is in a prime location less than a mile from Wellington College.

You can always arrange to view early by telephoning 01252 842100.

Do you have a country house for sale?
We have a waiting list of buyers looking right now.

House Market Comment During Covid-19 Lockdown

covid-new-heading-item-news-page

Insight from last week

A week on from Covid-19 lockdown, and we are starting to get used to living and working in a very different way with some success, a lot of challenges and the unexpected.

We temporarily closed our branches last Monday evening as part of the lockdown process going on throughout the U.K. Right up to that day the market was fairly busy with last minute viewings, during which we conducted the systems of safe distance, latex gloves etc. which we had introduces weeks prior to the lockdown.

In the last week there were many practical issues, such as the six house sales completions on the day the Government suggested house moves be deferred. All six went ahead, because it was just too late to stand down and three of the transactions were in fact to empty properties. On the lettings front, we had different challenges such as it being virtually impossible to get independent inventory inspectors to attend tenancy check in and check out. Many tenants are now opting to extend their existing leases.

House Move Timing

Only three existing house sales fell through, and in each case there was an elderly persons on either the vendor or purchaser side. In such circumstances it wasn’t surprising and bearing in mind the hundreds of house sales we handle at any given time, the loss of three was minimal in context.

In fact, in the vast majority of house sale cases both parties are simply proceeding to exchange and agreeing a late completion date, which in some cases is capable of being brought forward by the parties agreeing a 28 days notice. So, most existing sales are managing along these lines.

McCarthy Holden estate agents sold board

What about creating new house sales?

Creating new house sale is not so easy, with the ability to do in-person viewings now removed. What is happening instead is that buyers are continuing to show keen interest, and simply asking to be place on a viewing list for when the in-person viewings are capable of being undertaken again.

Inventive solutions by our vendors

The biggest surprise this week, was in the form of many clients asking if we could produce video content of their property if they sent us video clips and still photographs.

McCarthy Holden is well known for using video to showcase properties for sale, so our wonderful customers decide to put their spin on this endeavour and suggested a collaborative approach.

Vendors send us the video clips. and then with some editing help from johnjoe.co.uk a promotional video tour is created.

Check out this first creation below from one of our wonderful clients in Fleet, Hampshire who is selling this house which is guided at £750,000.

Now this first collaborative video is a little too long, but the home owner is such an engaging person and so at ease with talking to camera we have run with most of her content.

We are now issuing guidelines to our video focused vendors, which includes the specification of 1920 x 1080 size and MP4 output. The ideal duration for a full property video tour online is 4 minutes. This means the file size is suitable for quick streaming online and also, it is at the maximum time a potential buyer is likely to watch a video.

We also supply links to a some recent videos produced by johnjoe.co.uk which might help vendors plan for capturing some content at home.

Teaser short video – https://vimeo.com/392560182
Normal full length – https://vimeo.com/390207931
Normal full length (just agreed a sale last week 1,300 views of video) – https://vimeo.com/356168136

We look forward to many of these collaborative home grown marketing initiatives in the weeks ahead.

We will keep our customers in touch with market conditions and news through our newsletter, which is free to subscribe to.

We wish you a safe week ahead.

John Holden

Chairman and Managing Director – McCarthy Holden

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