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28 Clitheroe Advertiser & Times, Thursday, May 3rd, 2007 HEAD OFFICE 121 PARK LANE MAYFAIR LONDON W 1K 7A G


propertytodav.co.uli JF I N E w C Q U N T R Y L IIiIIIII Homes from Mortimers Britain's leading network of independent estate agencies specialising in the sale of Fine & Country property


Harder to buy house


NEW research by housing charity Shelter shows it is 73% harder for first time buyers in the North West to climb onto the property ladder than it was 10 years ago. The shocking report, by


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LOWER CRITCHLEY FOLD FARM . £1,700,000 A magnificent & substantial farmhouse set in approx 11 acres nestled in a truly peaceful and Idyllic location and boasting superb uninterrupted views across the Pennine Moors. This former barn has been thoroughly renovated and extended to create a spacious 6 bedroomed family home


OAK HOUSE NEWBY RIMINGTON, GIRO £675,000 Lying in the small hamlet of Newby, close to


Rimington village. Oak House occupies a delight­ ful rural location with extremely attractive views to both front and rear over agricultural land with distant aspects to the rear towards Pen y Ghent and Ingleborough


BALSHAW FOLD COTTAGE BLACKBURN, PDA


Dating back to the early 18th century, Balshaw Fold Cottage is a grade II listed 3 bedroomed stone built house with many attraaive internal features, delightfully situated in this rural loca-. tion amidst acres of farmland and enjoying splen­ did southerly panoramic views.


HIGHEIELD CLITHEROE, £549,000


Located in one of Clitheroe's premier residential areas, this superbly restored Victorian property offers spacious interna! accommodation on three floors with with contemporary upgrading and enhancement of the quality original features


HAWTHORN COTTAGE NEWTON, £525,000


Lying in the picturesque village of Newton in the heart of the Forest of Bowland, this stone built detached residence occupies a very pleasant loca­ tion on the outskirts of the village with some beautiful open aspects to the rear over rolling farmland


Shelter's “ROOF” magazine, shows f irst time buyers in almost every English region face the most difficult struggle ever to secure their iirst home. The annual ROOF Affordability Index assesses housing afford­ ability by comparing mortgage costs against household incomes. The latest figures show the gap between what people can afford and the cost of housing is growing. Shelter chief executive Adam


Contact: Fine & Country Suite on 01254 828922 m ' . B _ r r- Contact: Fine & Country Suite on 01254 828922 Contact: Fine & Country Suite on 01254 828922 Contact: Fine & Country Suite on 01254 828922 Contact: Fine & Country Suite on 01254 828922


Sampson said: "These figures show the gulf between those who can afford to buy and those who can't is widening in the North West at an alarming rate.Fie warned: "Buying a home is becoming an ever­ more distant dream for first time buyers." The Index's main findings


are: © The Index for the North


I STONEYHOLMERIBCHESriR, £450,000


An imposing & spacious executive detached fami­ ly home with tastefully appointed internal accom­ modation including 4 reception rooms, kitchen, 5 bedrooms, and stunning gardens to the front, side and rear. The property is pleasantly located on the periphery of the delightful historic village of Ribchester


Contact: Fine & Country Suite on 01254 828922 CHARNLEY FOLD, FYLDE, £1,370,000


Superb detached dormer bungalow set in approx one acre of gardens. Open rural views. Five reception rooms, fitted kitchen, utility, five bedrooms, three en suite bathrooms, targe sun balcony. Double garage workshop.


■BEULAH'RIBCHESTER, £1,350,000


An individual architecturally designed outstand­ ing residence located on the outskirts of the his­ toric village of Ribchester, near Preston and Blackburn. This unique family sized home lies in an elevated position with magnificent views over roaming countryside.


BANK HOUSE, HIGHAM, £895,000


This delightfully located detached period resi­ dence occupies an idyllic rural location with panoramic views to the front. Offering excellent family sized accommodation and with generous gardens including a tennis court together with 10 acres of land including a small woodland. A qual­ ity property is a peaceful location


Contact: 01253 795555 Contact: Fine & Country Suite on 01254 828922 Contact: Fine & Country Suite on 01254 828922 EAVES HOUSE FARM CLITHEROE, giro £799,995


Grade II listed period farmhouse property lying in an enviable elvated position with magnificent open outlooks over surrounding countryside. Offering a unique opportunity to acquire a large period residence with a wealth of original fea­ tures together wtih an adjoining detached barn, gardens and 3 acres land (approx)


Contact: Fine & Country Suite on 01254 828922


West stands at 143.6, com­ pared with 82.9 in 1996, mean­ ing it is 73% harder for first time buyers in 2006 than it was 10 years ago, and the hardest it has been since the index began in 1994. ® Average mortgage repay­


ment costs for would-be first time buyers in the North West swallowed-up around17% of the average household's income in 2006, compared to around 10% in 1996. 8 The average first time


buyer property in the North West costs around £110,500 in 2006, compared to around £42,000 in 1996. ©The average monthly mort­


f e # . SHAYS FARM TOSSIDE, £745,000


A rare opprtunity to acquire a delightfully located detached stone built residence lying in the heart of rolling open countryside and benefiting from equestrian use with a detached barn, all weather flood lit riding menage and 13 acres of land. Good family sized accommodation witi) an attached annex for granny flat / teenage accom­ modation. An excellent country property


Contact: Fine & Country Suite on 01254 828922


tai'v'.iG':.-,; BRANTFELL GREAT HARWOOD, OIRO £725,000


This property occupies a superb position on the outskirts of Great Harwood enjoying excellent open aspects to the front towards Wiswell Moor, Pcndle Hill and the Yorkshire Dales. Open coun­ tryside is on the doorstep with many local walks available to natural beauty spots. A delightful property well worth a viewing


Contact: Fine & Country Suite on 01254 828922


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PARK LODGE GREAT HARWOOD, GIRO £695,000 An outstanding and imposing detached family home situated next to the Memorial Park, over­ looking the playing fields and having panoramic distant views. Great Harwood is situated on the fringe of the Ribble Valley and has excellent access to nearby towns and cities This property oozes quality, making an internal inspection absolutely essential


Contact; fine 8 Country Suite on 01254 828922 STOCKS BARN, BLACKBURN, £695,000


A splendid detached five bedroomed barn con­ version situated in one of Blackburn's most presti­ gious residential areas off Meins Road enjoying views over open countryside. Convenient for ail local amenities including good schooling and recreational areas


THORNYCROFT, BLACKBURN, ^ 00£695,o5o A most impressive residence built in the 19th cen­ tury for the Sheriff of Blackburn and converted into two dwellings shortly after the Second World War. The property was skillfully extended and refurbished providing superb spacious family accommodation retaining many original features. Viewing is highly recommended


Contact: Fine & Country Suite on 01254 828922 Contact: Fine 8 Country Suite on 01254 828922


gage repayment in the North West is around £574, against around £223 in 1996.


FEMALE flair is becoming a character­ istic of local solicitors' practice Chenery Maher on Church Street in Clitheroe, but there's nothing girly about this team of top players.


New recruit Nicola Bradbury has


stepped into the role of practice manag­ er, bringing with her a range of impres­


sive financial, software and administra­ tion skills. Led by partners Carol Maher and


Irene Chenery with their notable set of legal credentials the practice is steadily gaining a reputation for its forward think­ ing approach to championing its clients. Teamed up with Janet Helme of Purple Willow estate agents to provide seam­ less conveyancing under the same roof they make a formidable team. The partners have taken on Nicola


Bradbury to manage the growing prac­ tice and continue to move it forward at the cutting edge. She is a chartered accountant trained by top 20 firm, Hack­ er Young, in Nottingham. Since qualify­ ing 10 years ago, Nicola has been the finance director of the Blackpool Grand and subsequently financial controller of Via Networks UK Ltd, as well as bring­ ing up her two boys. “I'm looking forward to working with


the other women here”, explains Nico­ la, “the practice is very busy and grow­ ing in terms of its profile. It will be up to me to ensure that the support structure is there for it to continue to grow and for us to capitalise on our position at the forefront of family law, wills and probate and conveyancing work in the area".


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Clitheroe Advertiser &Times, Thursday, May 3rd, 2007 29


Homes that are out of


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this world! MANY of us may have dreamt of living in a spaceship when we were younger, but never re a lise d this dream when reaching the heady heights of adulthood. However, Real Estate TV


(Sky Channel 279) has found some of the few that have done so and consequently will be launching the ir new TV series "World's Most Extreme Homes" which will be aired for the f irst time in the United Kingdom. The series will allow view­


I NICOLA BRADBURY (S)


ers to take a look into some of the most ou t ra g e o u s and e xtra o rd in ary homes from around the world and see how the owners live their everyday lives in the unconventional liv­ ing sp a c e s that they call "home". Viewers will be able to take


THE largest change in the English house buying sys­ tem tor years is now going to happen on June 1st. The Home Information Pack


is designed to speed up the house buying process and cre­ ate more transparency for a buyer at the stage of viewing a property. Briefly, the pack con­ tains information which includes the local search, deed plan, title and leasehold infor­ mation and the new Energy Performance Certificate. With the exception of the


E P C (Energy Performance Certificate), all these docu­ ments are currently required


when a house sale goes through, but soon these will be necessary as soon as a prop­ erty is placed on the market, to allow purchasers to be more aware when making an offer. •The E PC (Energy Perfor­


mance Certificate) looks exact­ ly the same as the kind found on a fridge or washing machine and indicates the energy effi­ ciency of your house on a scale of 1 - 120 (although anything over 100 means you are actu­ ally producing more electricity than you use!). Most houses in the UK fall


somewhere in the middle of the scale, although not surprisingly


more modern houses have a higher rating as they incorpo­ rate more recent insulation requirements. In addition, the certificate


indicates the potential perform­ ance of the house and offers simple guidelines for improving the energy efficiency such as increasing loft insulation, using low energy light bulbs and upgrading the heating system. The certificate also indicates the estimated energy costs for the property and the savings that can be made by imple­ menting the suggested improvements. Mr Chris Driver, managing


director of Honeyv/ell Estate Agents, said that the agency, like others throughout the Rib­ ble Valley, was expecting a strong supply ot properties to come on the market betore June 1st. “If they are on the market before the cut-off date they will not need to have a Home Information Pack pre­ pared for the house.” He told us that the agency had already produced a HIP on a couple of houses which were currently on the market in order to demon­ strate that it was well prepared and that they were available to customers to show them just what is involved.


a look inside properties rang­ ing from the VYeird to the sub­ lime including houses built to resemble a spaceship, a pre­ historic creature, a property built around a massive tree, and marine biologist who sus­ pended his h o u se over a pond, to name but a few. . Mark Dodd, Managing


Director of Real Estate TV said: "The saying 'it takes all sorts’ can indeed be used to describe this programme. “ It is a great insight into


how people live their lives in what they call their homes from all around the world. “If you feel like some inspi­


ration or indeed a bit of light relief then you should definite­ ly tune in to watch this series.” For online information on


Real Estate T V and its pro­ grammes, p le a se v is it the website, which is accessed at www.realestatetv.tv


THOUSANDS of Brits dream of owning a home in Spain, but when the dream turns into reality and the time comes to actually choose the perfect home, many struggle with where to begin. Not only does a decision have to be made


J:- M 'MILLER5DENE' CLITHEROE, £660,000


'Millersdene' is a detached Gentleman's style resi­ dence lying in a convenient position on the out­ skirts of Clitheroe. A property of immense charac­ ter both internally and externally with good sized family accommodation set in wonderful mature gardens. A 'one off property which must be viewed to fully appreciate


Contact: Fine & Country Suite on 01254 828922


121 PARK LANE MAYFAIR LONDON W1 E: info@fineanclcountry.com


■CASTLE HILL* CLIVIGER, BURNLEY, £525,000


Steeped in history, this super family home bene­ fits from many internal period features comple­ menting this impressive secluded property which nestles amongst beautiful gardens and adjoins delightful open countryside. Viewers will not be disappointed with this majestic property


'HODDER BANK' STONYHURST, £499,950


This imposing residence lies In a wonderful peace­ ful country setting and has extensive 4/5 bed­ roomed en suite family accommodation offering over 3000 sq ft of living space and comprising lounge, study, breakfast kitchen, balcony, bath­ room, two further ground floor rooms with potential for further accommodation.


Contact: Fine & Country Suite on 01254 828922 Contact: Fine &C o u n t^ e on 01254 828922 ’■•n ,a 1 f t BROXUP COTTAGE, HOLDEN, OIRO £475,000


Lying in the picturesque hamlet of Holden, this Grade II listed cottage property has been sympa­ thetically restored by the current owners to include a wealth of quality internal features


which enhance the most attractive living accom­ modation.


Viewing is heghly recommended to appreciate the quality fittings and delightful restored accom­ modation throughout


Contact: Fine 8 Country Suite on 01254 828922 EDISFORD BRIDGE COTTAGE, £415,000


Delightful Grade II listed cottage property of immense character and deceptively spacious accommodation including lounge, dining room, dining kitchen, conservatory, 4 bedroorns(one with en suite), bathroom. Viewing highly recommended to fully appreciate the character of this wonderful property


Contact: Fine 8 Country Suite on 01254 828922


TEL: 01254 828922 www.fineandcountry.com


Associated Offices in Birmirighain, Bishops .Storfford, Gieltenhain, Coventry, Exeter, Leeds, M,iyfair, Norwich, Princes Riihorotjqh, Sheffield


FINE & COUNTRY SUITE 39 KING STREET


WHALLEY, BB7 9SP


LUXURY: Make your dreams come true and buy a perfect Spanish home. is)


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on the area and style of property, there’s the language barrier to overcome and Spanish property and tax laws to confuse things even further. Lisa Griffiths, European sales and mar­ keting manager for Taylor Woodrow de Espana, said: “Whether you're relocating to Spain or looking for a holiday home, buying a property abroad is a big decision, and one that shouldn't be taken lightly. It’s so important to take your time and think everything through carefully, or you could find yourself living a nightmare, rather than the dream.” To help purchasers make the right decision,


Taylor Woodrow de Espaha has come up with the following top tips designed to get those looking for a home in Spain off to the right start:


Research, research, research Before you even step foot on Spanish soil


you need to have a preferred region or area in mind and the best way to do this is to research thoroughly. Speak to friends and family who have knowledge of Spain and can recommend areas, search the Internet for local information and make sure transoort links from the airoort


to your preferred area are good. One of the best things about Spain is the short flight from the UK, so be careful if you're looking to move to a remote area far away from an airport or main road links. Whilst it may be fantastic living in an unspoilt


and peaceful part of the country, having to endure an eight-hour journey to get there isn't so appealing. Support Make sure you have the support ot your


family and friends. Buying a home in Spain can have a big impact on you, both financially and emotionally, and encouraging words and advice from those closest to you can make all the difference. Budget The wealth of fantastic properties available


in Spain is vast, so make sure you set yourself a strict budget or you may find yourself getting carried away and purchasing a property you can't afford. If overseas properly agents are showing you around a selection of properties make sure they are aware ot your budget so that you're not shown properties that are out of your reach. Cool off .Don't get pressured into buying a property


straight away. After looking around take time to cool off and think things through properly. You mav tall in love with a orooertv at first sioht. but


sleep on it and see if you feel the same way the next morning. Be careful what you sign Never sign anything that you don't under­


stand. If a document is in Spanish make sure someone translates it to be on the safe side. Always use reputable organisations to handle the financial aspect of buying a property and seek advice and recommendations from other Brits that have bought in Spain before. Trust If you are unsure about finding a property by


yourself then make sure you have profession­ als you can trust and who have your best interests at heart to help you through the home buying process. Finding out that your purchase isn't legally sound can be a worry in Spain, but one that can be easily avoided providing you use reputable organisations that you can trust. Taylor Woodrow de Espana is the only major


UK house builder in Spain and has been build­ ing quality homes there for almost 50 years. With a reputation for trust, the company pro­ vides a specialised service and dedicated team within the UK and Spain who can help and advise homebuyers through the entire process of choosing, buying and settling into a new Spanish home. For further information telephone the UK


sales office on 0121 600 8961 or go to www.tavlorwoodrow.es.


'^ B26


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