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19 PROPERTY IN ASSOCIATION WITH


FAST EASY ACCESS TO COMPETITIVE QUOTES


5 s » S »


0800 5976444 Professional Independent Advice


YOUR ESSENTIAL GUIDE TO THE LOCAlL HOUSING MARKET


Bullish market hut confidence static


THE levels of confi­ dence reported among financial advisers in the mortgage market remained static during a summer of bullish housing market com­


ment. This is the finding of the


Paragon Mortgages FACT Index, the quarterly Finan­ cial Adviser Confidence Tracking Index. The, confidence factor is


. s Wonderful country views


from this stone-built property 2 The Old Granary, Withgill Fold, Withgill.


Price: £135,000.


LYING in the open country­ side between the Ribble and Hodder Valleys, our property of the week is situated in a small development of choice


stone-built properties. The house, which is about three


miles from Clitheroe, has views over Kemple End and Longridge Fell to


the front. Accommodation on the lower


ground floor comprises an entrance


hallway, a utility room and garage with stone arched entrance. A spin- died balustrade staircase leads to the first floor and courtyard level, where there is a lounge with open aspects to the front and a natural stone fire­ place with heavy polished oak man­ tel beam over, a hallway, two-piece cloakroom, and dining kitchen with polished Chinese slate floor and a range of French solid oak-fronted kitchen units and a barn arch win­ dow with stable door leading to the rear patio and courtyard. A staircase leads to the first floor,


where there is a master bedroom, en- suite shower room, the three-piece house bathroom and two front bed­ rooms; a folding loft ladder leads to


a good-sized part-boarded loft area with electric light. Outside to the rear is a raised


patio area with stone boundary walls opening into a central court­ yard; to the front, a three-car gravel driveway leads to the garage area, and a small patio and garden line the drive. Adjoining the access road is a well-fenced paddock of approxi­ mately 0.45 of an acre with a five- barred entrance gate and water sup­


ply-


Vipwing is strictly by appoint­ ment with the vendors’ agents, Mor­


. . ,


timer Gorse and Ross, 5 and 7 Cas­ tle Street, Clitheroe, telephone 01200 427331.


reported at 111.8 for the third quarter of the year, an increase of only 0.8 over the second quarter. As the third quarter usually produces a significantly higher figure


than the second quarter, this modest revival in confi­ dence over the summer may be considered negative. It is substantially down on the


same period over each of the past three years. Despite this stagnation,


there is an upturn in the overall trend. According to the FACT Index, mortgages arranged by financial advis­ ers declined slowly from early 1997 until the begin­ ning of this year when the volume of mortgage busi­ ness began its upward trend


again. Financial advisers are


now expecting to increase the amount of mortgage business they arrange by 5.2% during the last quar­ ter of the year. Other findings in Paragon


ment mortgages are contin­ uing their steady decline, down yet another 2% to


34% Meanwhile Discount


mortgages have more than doubled. This type of mort­ gage has increased its mar­ ket share from 19% of reported cases to 40% dur­ ing the summers. Reducing or controlling


Mortgages' September FACT Index show that, for


the first time since the sur­ vey began in 1995, Capital and Interest Mortgages now account for half the market at precisely 50%. Endow­


outgoings remains the most common reason for re-mort­ gaging accounting for 45% of all cases. Re-mortgaging for all other purposes has declined. These reasons include re-mortgaging to finance home improvements or to buy a second property, or for short term gain or to finance consumer spending. Commenting on the sum­


mer quarter, John Heron, Managing Director of Paragon Mortgages, said:


nr>.


"The mix of signals in the FACT Index reflects the mix of reports and opinions about the domestic housing market. With an avalanche of facts, figures and opinion variously describing the market as everything from boom in the south east to doom and "can't give it away" in parts of the north, and with a variety of claims that interest rates have peaked, bottomed, or are stable, or have to match the Euro, it is little wonder that confidence levels in new business is increasingly dif­


ficult to call. "What is certain, and is


reflected in the Paragon FACT Index, is that con­ sumers are sophisticated


enough to make their own judgements and it is they


who will lead the market, not the pundits.”


Beazer announces plans for new homes development


BEAZER Homes, part of the UKs third largest house-


builder group, is setting up home in Burnley. The award-winning housebuilder has acquired one-and-


a-half acres of brownfield land on White Street, Rosegrove, which it will use for its new St James Gardens develop-


ment. Beazer Homes' Land Manager for the Preston region,


Jason Parkinson, commented: "Beazer is thrilled to be back


in Burnley with our new St James Gardens development. "We will be building 28 three bedroom high quality hous­


es, some of which will back onto the canal which runs through the development, adding a fantastic picturesque


feature. The houses will range in price from £53,995 to


£59 995. "At Beazer we are committed to developing as much


brownfield land as possible to help prevent the disappear­ ance of green belt. This is another reason why we are par­ ticularly pleased about our St James Gardens develop'


merit."


Work on the new development will begin m October and will take 18 months to complete.


. , ,


Schoolhouse Fold development in Hapton. For more details please contact 01282 779914.


Sales inquiries are being dealt with from Beazer Homes J.s. Atherton & Co.


RIBBLE VALLEY ESTATE AGENTS Chartered Surveyors Land & Estate Agency ° Auctioneers & Valuers ° Property Management


Nigher Friar Hill House, Oswaldtwistle £ 195,000


62 York Street, Clitheroe Reduced to £65,000


9 Brownlow Street, Clitheroe £ 42,500


r


Rhoden Farm Barn,


O sw a ld tw is t le £ 1 6 5 ,0 0 0


• Spacious 5 bed i8 lh Cenlury farmhouse


• Superb valley views • Approximately four acres plus stables • Exposed beams, large rooms________ __


• Spacious garden fronted family house


• Desirable location • Scope for 3-4 beds, gas central heating • Attached garage


• Very attractive 2 bedrmed terraced house ■ Carefully maintained throughout • Gas central heating, double glazing • Sitting room, living room and kitchen


• Superb stone conversion property • 1 of 3 in attractive rural location • Four bedrooms, two bathrooms • Garden area plus two acres of land


39 Woone Lane, Clitheroe £42,500


. I *


5 Moss Street, Clitheroe £42,750


■ Larger type two bedroomed > Sitting room/living room and kitchen ■ Detached garage • Gas central heating, double glazing


• Neat two bedroomed stone built ■ Attractively maintained throughout


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• Gas central heating • Sitting room, living room and kitchen


i l l


OBd Msmor Cottage,


Copster Green £ 1 4 3 , 0 0 0


&


OakBands, Park Lane,


SamBesbury £ 1 9 0 ,0 0 0


Clitheroe, Whalley and Blackburn


and a wealth of local knowledge and experience we are better placed than ever to sell your property throughout the Ribble & Hodder Valleys, East Lancashire and beyond...


Our team of chartered surveyors and residential valuers are able to offer a more complete range of services than that avadable through any other local office, including:


• 18th Century detached cottage • Three bedrooms • Garden adjacent open countryside • Exposed beams • Parking for two/three cars • Garage space subject to planning


56 Whalley Road, Read £ 49,750


/ Residential and Rural property sales / Residential Lettings with our full management service / Rural planning advice with plans drawn and submitted / Agricultural services including advice on Sales of Milk Quotas, Diversification, Compensation claims etc.


> Mature detached house > In delightful surroundings > 4 bedrooms, large garden ■ Gas central heating • Fitted kitchen


• Minutes away from Motorway access


12 Moss Street, Clitheroe £41,000


3


✓ Regular auction sales of Household goods, Antiques, Chattels etc.


Call us now for friendly, professional and comprehensive advice


regarding your property or land


Waller Hill Farmhouse & Barn, Foulridge 0.0. £180,000


Higher Briercliffe, Blacko £255,000


With offices in


20 §€ay Street, Clitheroe £ 4 9 ,9 5 0


Barak Hey


Hoiase, Suraray Bower


£ 1 4 9 ,9 5 0 M


. m s m M l 188 i n s i s t * h~'


M m


itSl lmm


mm.


> Superbly refurbished ■ End terrace »Beautifully decorated throughout • Comprehensively modernised • Gas central heating • Partly double glazed


Flat 5, Smithies House, Shawbridge St, Clitheroe £36,500


Superb detached stone built period house


■ 5 bedrooms, bathroom, shower room


■ Adjoining open fields • Attractive gardens * Excellent parking


4 Homeacre Avenue, Sabden £74,500


r - r l


, - - - - "> j 4


______ • G a rd e n fronted two bedroomed terrace


• Conscientiously modernised ■ Gas CH, mainly double glazed • Detached garage


_________ ___


• Attractive end terrace ■ Two bedrooms, gas central heating


• Parking Immediately to rear . Sold with immediate vacant possession


• Three bedroomed farmhouse • Adjacent barn with P.P. for 4 bed dwelling


• Good sized gardens, excellent location • At edge of village with fields to front_____


»Stone built detached house • Originally farmhouse and bam •


• 4 bed, 4 reception, bathroom & shower rm • Garden plus 2 acre crolt, superb setting


• Spacious onertwo bedroomed flat ■ Central town location • Parking space


. Gas central heating & double glazing , . . , . Offices at-6 King Street Glitheroe BB7 2EP (01200) 427222 Fax (01200) 427269 n ? Arcrineton Road Whatley BB7 9TD (01254) 822722 Fax (01254) 824308 • 6 Sudell Cross Blackburn BB2 IAN (01254) *i , i - p i-, ■ « !’ .n r TiTr p re rremr; , . - "■ ' „ r s j * r ' i


• Extended semi detached dormer • 3 bedroqms, bathroom & separate w.c. • Delightful conservatory, gardens • Detached garage, gas CH. double glazing


_ 7 i :


A ' !•


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