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20 Clitheroe Advertiser & Times, May 15th, 1997


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ip®® aadt^aacaain Y a u K M d t i G i a t d i f c P o r - B : Y O U B X O C A L


DECISIONS, DECISIONS!


Croft Barn, Whitehough, Barley


Price: £229,950


A DETACHED barn nestling at the edge of the picturesque village of Barley is this edition’s property of


the week. Croft Barn, Whitehough, is a con­


verted barn at the foot of Pendle


Hill. It features well-planned accommo­


dation with many character features ’and has been extended to provide |a sun room with bedroom and


Ishower room over, ideal for a teenager, relative or guest suite. 1 Lovely gardens overlook White­ hough Water and surrounding countryside.


ii The M65 is within easy driving dis­


BELLWAY Homes’ Marsden Heights development on the site of the famous old hospi­ tal in Burnley continues to p ro ve p o p u la r with lo ca l house-hunters — particular­ ly the emergency services! “O ur pu rch a se rs include


p o l icem e n , staff n u rse s , medical secretaries, firemen — even dentists, but so far, no paramedicsl" joked Ali­ son Smythe (sales negotia­


tor). “T h e development is in a


superb location, right at the top of the hill in the middle of a mature, residential area that has always been popu­ lar,” continues Alison. 'T h e


tance for access to the major towns and motorways. The property features an entrance porch with flagged floor, entrance


hall with oak panelling, study, lounge with Inglenook fireplace, fit­ ted breakfast kitchen, utility room and sun room/dining room. To the first floor there are four bed­ rooms, two offering en-suite facili­


ties, and a house bathroom. The house is approached by a


sweeping driveway with parking for several vehicles and the sunny gar­ den is laid mostly to lawn, with well- stocked flower beds and a conifer screen affording privacy. For an appointment to view, con­


tact Honeywell Estate Agents, Clitheroe, telephone 01200


426041.


h u g e t re e s a lo n g the entrance to the site and old hospital wall that surrounds it adds to its charm and pro­ vides the people of Burnley an d P e n d le with a truly unique opportunity to buy a new home that has all the charcter of an older proper­


ty.” Marsden Heights offers a


selection of three and four bedroomed detached family homes laid out in a series of pr iva te c u l -d e - s a c s and offering spectacular views across the valley. T h e p ro p e r t ie s are co n ­


structed of a san d s ton e - c o lo u re d b rick — and in


some instances stone — to complement the surround­ ing a re a an d re c a l l the world-famous hospital that


’ once stood on this stop. All the properties are built


and finished to the highest specification and include as standard gas-fired central heating, double glazing, fit­ ted k itch e n s an d b a th ­ rooms, single garage and turfed front gardens. Prices start at just £69,950 for the threebedroomed detached Lynton, rising to £102,950 fo r the la rg e , fo u r -b ed - roomed Eaton with double garage.


THINKING of stepping onto the


property ladder? According to recent press reports, the cost of


buvinq a home is more affordable now than at


any time since the late 1970s and the housing market is at its healthiest for some eight years. So, the indicators are that now certainly is the time to buy your first home.


. .


There are many decisions to make even before vou begin your search for yournew home.


What sort of property do you want? How many bedrooms? Should it be near to local amenities or your place of work?


But perhaps the key factor m your choice ot . .


home will be how much you can borrow. Gen­ erally, lenders will allow you to borrow up to three times your income or, if two of you are buying together, up to three times the first income plus the second, or two-and-a-half times joint annual income — whichever one is


Q r6 3 t@ r You can usually borrow up to 95% of the value


or purchase price of the house you want to buy, so you need savings to fund the deposit. It s important not to over-commit yourself financial­


ly __be sure in your own mind that you can afford the repayments, taking into account all your other financial commitments. Remember you’ll have to pay solicitor’s fees and should also have a survey done — which will cost you extra. In addition, there may also be outlay for repairs, alterations and improvements on your new home, once it’s yours. And you’ll need


some furniture. Christine Dennett, manager of leading mort­ ^. .. .


gage provider Cheltenham and Gloucester s Burnley Mortgage Centre comments: ‘There is a profusion of different mortgage offers and schemes available, so it’s advisable to shop


jfiSDG m


I B B S T A


29 WOONELANE, “ "CLITHEROE


£30,000 17 MONTAGUE STREET, CLITHEROE £33,000


■ Modem 2 bed terrace ■ Gas heating, d.glazed ' Sitt room, liv room, kit • Convenient to town


« Larger type 2 bed terraced house


> Spacious basement > Detached garage, GCH > Scope for upgrading


■ 2 bed terrace • Suit first time buyer > Good rear yard > Available immediately


PROPERTY REQUIRED FOR SPECIFIC CLIENTS


• Cottages in Pendleton, Hurst Green and Whalley - £75/90,000 - URGENT


. . A


• Buildings/bams for conversion - any location - Price range £40/90,000


• 4 bed det properties in Clitheroe up to £125,000


• Mature 3 bed semi • Parking for 2/3 cars • Approval for extension • Quiet cul-de-sac


Contact us now if your


property fits any of the above requirements


14 BEECHWOOD AVENUE, CLITHEROE £69,950


4 ENNERDALE CLOSE, CLITHEROE


£76,000 O T i Excellent terr house


• Conscientiously modernised


• 2 beds, sep dm room • D.glazing, gas CH


87 WADDINGTON ROAD, CLITHEROE


£87,500


> Stone built cottage »2 bedrooms > Fitted kitchen • Small garden


10 SPRING GARDENS, WADDINGTON


£79,950 r *


• Att 2 bed semi det • Sun lounge extension


• Gas CH, d.glazing • Parking for 2


PENDLE COTTAGE, PENDLETON


£81,000 u E & c s s a s & g s a M


> 2 storey extension > 3 beds, sep dining rm * Overlooks river • Gas CH, part DG


6 ALDERFORD CLOSE, CLITHEROE


£86,500


»Spac. 3/4 bed bungalow > Cul-de-sac position • Beautifully maintained • Parking 4/5 cars, caravan etc


> Mature 3 bed semi det ■ Quiet location * Est gardens • Gas CH, DG


lan g d a l e ,


CLITHEROE ROAD, WADDINGTON


£89.750


> Det true bungalow > 2 bedrooms > Beautifully maintained «Gas CH, DG


> Ext 3 bed semi det > Large rear garden ■ Double gl throughout • Recently ltd gas CH


M00RCR0FT, WADDINGTON


£97,000


• Subs 4 beciFSfcjJcjse • 2 Bathri • Dii^gAjj^aTt rm & kit • DelSJfed garage


BRADFORD & BINGLEY


MORTGAGES


Mortgages available at very competitive


rates - written quotes provided within 24


• Superb mature det bungalow


• Beautifully maintained • 2 double bedrooms • Gas CH, DG


hours - applications etc are completed here in the office - call now for an


appointment. Tel: 01200 427222


■ Mod det house ‘ > 3 double bedrooms > Views over the c/side > Parking for 3/4 cars


• Grade 2 listed town hse • 4 beds, spac. accom. • Small walled garden • Tastefully refurbished


> Recently built 4 bed det «Head of cul-de-sac »Large rear garden » Dble garage, GCH, DG


* St. Built Det Farmhouse ■ Idyllic location * Gardens plus Croft »3 double bedrooms


6 KING STREET • CLITHEROE • Tel: 427222 • Det farmhouse & bldgs


• Stable block for 6 • 2-and-a-half acre croft • 3 beds, scope 2/3 more


• Outstanding country hse • 7 beds, 4 bath/shwr rms


• Tastefully refurbished • Overlooks open c/side


" . - '■T ------- r r - ....... .........7- BRANCH AGENCY


BRADFORD & BINGLEY BUILDING SOCIETY


• Superb refurbished cott > Excellent rooms


> Paved frontage . pG, garage available


’’BLENCATHRA”, 2 PRIORS WALK,


> 3 bed end cottage »Walled rear garden • Tastefully refurbished * Overlooking stream


6 CHURCH BROW, CLITHEROE


£ ® v00 I £132,000


• Cottage style terrace • 4 bedrooms • Calor heating. DG • Parking for 2 cars


• Delightful country cott > 2 beds, thro lounge/din > Excellent fitd kit »Adjoining open fields


ANNA LANE,


BOLTON-BY-BOWLAND CLITHEROE


' Larger 3 bed terrace > Refurbished > Garden frontage > Gas CH, d.glazed


THE OLD COACH HOUSE, GISBURN


£85,000


• Spacious 3 bed terrace »Garden frontage . ■ Gas CH, DG • Small car parking


CROFT COTTAGE, NEWTON-IN-BOWLAND £85,000 n z s


• 3 bed mews style • Large rear garden • Superb views to Nab • GasCH, DG


• 4 bed end terrace • Garden frontage • Large rear yard : • Gas CH, part DG


ARE YOU SELLING YOUR PROPERTY?


Now more than ever it is vital to obtain


a fair market appraisal of your property' when considering selling, an appraisal that accurately reflects the current


marl<et demand and conditions for your particular home and gives you the best possible opportunity of actually SELLING your property in a


reasonable period of time. Ring us for a free appraisal by the experienced local experts on your property at your convenience.


HOLLIN HALL FARM, WHALLEY OLD RD, BILLINGTON


-'f'.;,; ■ t arc


L E T E


: 30 L0NGW0RTH ROAD, B1LLINGTON


£36,000 F 39 BR0WNL0W STREET, CLITHEROE £37,950


' 3 bed terr, gas CH > 3pce bathroom > Space for shower room > Rewired, DPC installed


11 MONK STREET, CLITHEROE


£44,000


> 2 bed terraced hse > Attractively maintained > Ideal 1st time buyer «Available immediately


»22ft kitchen 1


V A A G


168 WHALLEY ROAD, CLITHEROE


£39,000 FLAT 4, ALLEYS GREEN, CLITHEROE £39,950


> Garden frnt terrace > 3 double bedrooms »Requires refurbishing


• First floor flat . 1 bedroom • Gas CH, d.glazed • Parking for 1


25D= r 4D' | - « “ ' r s= ET' £44,950


£50,950 1 £51,500 (


L L E Y E N T S


BRADFORD & 18 VICTORIA AVENl B I N G L E Y


INVESTMENTS U p to 6.4%


(g ro s s ) on la rg e r in v e s tm e n ts in a n o t ice a c co u n t ,


c a ll in a n d o p e n yo u r a c c o u n t


to d a y with you r mutual b u ild in g so c ie ty .


. 3 bed terraced • Garden frontage • 2 reception, kitchen • Close open fields


> Mature semi det house > 3 bedrooms • Garden front & rear • Gas CH .


£51,500 §


r = SE' 1


£57,000


73 WHALLEY ROAD, I CLITHEROE- 1


£56,750 1 5 ' £42,000 ■


:ARADAY AVENUE, CLITHEROE .


£42,000


estate agents selling


D O U S E S O N


O U l l P R O P E R T Y P A G E S T H I S W E E K A R E . . . .


i Craig Estates >


around for the deal best suited to your needs. For instance, you may be looking for a cash gift mortgage which gives you cash-in-hand when your loan starts — probably a time when you need it most. “Alternatively, you might want to opt for a fixed-rate mortgage to give you peace of mind because you know that your mortgage payments won’t be affected by possible interest


rate rises. "You’ll also need to decide on the type of mort­ gage to go for, such as repayment, interest-


only, pension or PEP mortgage. Make sure you ask about any fees for setting up the loan, or


charges for redeeming it early. Once you have found the home of your


dreams, you have to make an offer, either directly to the seller (the “vendor”) or more usu­ ally through the seller’s estate agent. You should make your offer “subject to contract and survey” which means that it is not legally bind­ ing until the contracts have been exchanged. Now is the time to make a formal application


for a mortgage, and to appoint a solicitor or licensed conveyancer to deal with the legal transfer of owners hip, known as conveyancing. The lender will arrange to have the property


valued — but this is purely to ensure that the value of the property is sufficient to cover the amount they are lending you. You should arrange to have your own survey carried out by a qualified surveyor so that you are aware of any potential problems affecting the property before you buy it. Assuming that both valuation and survey are satisfactory, , and you receive your mortgage offer, you will then be able to agree and sign the contract of purchase through your solicitor and agree a date for com­ pletion — when the property will finally become


yours.


Mortimer Gorse & Ross . Black Horse Agencies


• Honeywell • Kerr & Woodward • Ribble V a l le y ______


Ttiis week’s £ 1 0 A S H A


voucher


winner is: Clare Hardcastle of Clitheroe


O n c e th e c o n t r a c t s a r e e x c h a n g e d , th e d e a l is


le g a l ly b in d in g a n d y o u w ill n e e d t o p a y y o u r d e p o s it . A t t h is s t a g e , p r o p e r t y in s u r a n p e a n d


a n y life in s u r a n c e c o n n e c t e d to th e m o n g a g e s h o u ld b e b ro u g h t in to fo r c e .


p u r c h a s e p r ic e is tr a n s fe r re d a n d th e ; k e y s ,o f th e p ro p e r ty a r e h a n d e d o v e r to y o u . It is th e n J u s t & q u e s t io n o f s o r t in g o u t th e m o v e a n d e n jo y in g s e t t lin g in to y o u r n e w h om e !


O n th e d a y o f c o m p le t io n th e r e m a in d e r o f th e , : . « , 0 -i- |


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