propertytoday.co.uk 30 Clitheroe Advertisers Times, Thursday, May 17th, 2007 N g w e n e r g y ( M if A G E N T making your move t W V t ■‘ m i - | g g | s w


The Old Vicarage oozes with potential offering superbly pro­ portioned living accommodation i including 3 Reception Rooms, a \ spacious Dining Kitchen, 4/5


I Bedrooms. Many original features I remain Including a Minstrel's


I Gallery. Set In picturesque sur- P roundings this home has a prime


0 location, is offered for sale with Cs'ii vacant possesion.


THE'OLD,VICARAGE ^ ^ ; : i : 'W E S t b r A G f o r iJ i ^v M M m M *r**' I- 3^ . ^ M ? w


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£1.59,95Q


A three Bedroom Semi-Detached home well situated on the sought after Highmoor Park. Comprising: Ground Floor;


j Lounge, Dining Room, Kitchen. M First floor; Three Bedrooms and I Family Bathroom. Fabulous corner I plot offering potential to extend 5 (subject to relevant planning per- I mission being given).


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Modern, stylish 2 Bed 3 Storey Home comp: Grnd fir; Ent Hallway. Lnge/Din Rm and KiL


RfSf fif* House Bathrm, Bed 2: Second Fir: Master Bedrm with en-suite Shower Rm. Set within


l l g the Ribblesdalc development and enjoying an open courtyard frontage, parking to the front.


y q block paved private area to the rear. No chain involved.


4 RIBBLESDALE COURT'


- This garden fronted mid terraced ! 3 bedroom property. In excellent i location close to Clithcroe town centre G all amenities. Vestibule, j hall, through lounge/dlning room, t^i dining kitchen. FF: 3 beds (2 dou-


g ^ M s i-


m k tM f i


blc - 1 single) plus bathroom. Good sized walled rear yard. Ripe for refurbishment. Ideal for pur­ chasers looking for next project, sale with vacation possession.


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A substantial 3 bedroom mid ter­ raced with surprisingly spacious living accommodation. Ground entrance hall, sitting


room/study, lounge/dining room, kitchen and lean to conservatory. First Floor: 3 good sized bedrooms and a bathroom. In the village of Sabden. A home made for a fami­ ly. On St parking ft compact rear patio garden, GCH, majority DG


5 THORN STREET E U T l


A characterful Mid Terraced Home offering deceptively spacious liv­ ing accommodation comp: Grnd Fioor, Sitting Room. Dining Room and Kitchen, first Floor: Bedrooms 1 G 3 and House Bathroom. Second Floor; Bedroom 2. Enjoying a pleasant garden frontage, a raised decked area for dining outdoors and steps down to outbuildings. Viewing recomm


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A well presented extended 2 bed­ room Mid Mews Home which is ideally located and enjoys private parking for 2 cars plus a private garden to rear. Super Conservatory to rear and further comprises: Hall. Kitchen and Lounge. To the Rret Floor there is 2 Bedrooms and a Bathroom. This home also benefits from gas cen­ tral heating and double glazing.


2 Bedroom Mid-Terrace offering well proportioned living accom


p i's


T which comp: Ground Floor. •; Lounge and Dining Kitchen. Fint Floor: 2 Bedrooms and a


■j Bathroom. Private enclosed rear 4 yard and situated close to M Clitheroc town centre. A well pre- y sented home with many improve- I ments. Viewing is essential to ^ appreciate. No chain involved


£99;95Q ■ •'


Definitely not your ordinary 2 mid-terraced home.


l l l S S •. Totally refurbished to offer a high of accommodation.


' 1 Vestibule, lounge, dining kitchen, w c l o a k r o o m to Ground I S <


J i l a ' I W H i ' ' -


• ^ 900d sized FF bedrooms G “ PVC DG. GCH and


DPC, ready to move into no chain both first time


• buyers G buy to let investors. ky,- n


2 bed End Townhouse offering excellent privacy at the top of a small cul-de-sac and a location that is close to Clitheroe town centre and all its amenities. GF Hall. Lnge, Din Rm. Kit G Lean to conservatory. FF: 2 Beds and a Bathroom. Garden rear G to the side of the property. Open porch to the front GCH and upvc DG. View rcc


. u r £ 1 5 A L L ^ S j jR E E N : : ^ ; ;^ m


A traditional 2 bedroom mid tcr- - race property close to Clithcroc


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^ town centre and all its amenities. 4 Lounge, dining kitchen to ground ~ floor. Two bedrooms and bath- room to the first floor. On street “ “ parking G private enclosed rear


buyer/buy-to-Iet investor, com­ petitively priced with vacant pos­ session. no chain involved.


9 1 ip s sft p j p s l i l i i i-.'. '0im momt), ;^ini0(jh SilTsfRoTc- 1nfo@purpiewillow.Go.ul< / V . - j ■ightmove.oo.uk


NATIONAL independent mortgage broker Mortgage Talk highlights a selection of the week's mortgage deals


Short Term Fixed Rate The Halifax is offering a fixed rate


deal until September 30th 2009, at a rate of 5.29%, reverting to the stan­ dard variable rate for the remaining term of the mortgage, currently 7.25%. The overall cost for compari­ son is 7.1% A PR . An Early Repay­ ment Charge is payable if you repay all or part of the mortgage during the fixed rate period. There is a valuation fee of £315 and an arrangement fee of £999.


Long Term Fixed Rate The Nationwide is offering a five


year fixed rate deal, at a rate of 5.48%, reverting to the standard variable rate for the remaining term of the mort­ gage, currently 6.74%. The overall cost for comparison is 6.5% APR.' An Early Repayment Charge is payable if you repay all or part of the mortgage during the fixed rate period. There is a valuation fee of £295 and an arrange­ ment fee of £499 that can be added to the loan.


Short Term Discount or Tracker


BM Solutions is offering a two year


tracker scheme at the Bank of Eng­ land base rate minus 0.65%, equating to 4.85%, reverting to the standard variable rate for the remaining term of the mortgage, currently 7.49%. The overall cost for comparison is 7.3% APR. An Early Repayment Charge is payable if you repay all or part of this mortgage within two years. There is a valuation fee of £350 and an arrange­ ment fee of £1000 that can be added to the loan. Long Term Discount or Tracker


The Alliance & Leicester is offering


a five year discounted scheme at 2.26% off its standard rate, equivalent to a current rate of 5.13%, reverting to the standard variable rate for the remaining term of the mortgage, cur­ rently 7.39%. The overall cost for comparison is


6.7% APR. There is an early redemp­ tion penalty upon repayment of this loan up to the end of the discount peri­ od. There is valuation fee of £280 and


an arrangement fee of £599 that can be added to the loan.


Cashback The Chelsea Building Society is


offering a mortgage fixed at 6.94% until June 1st 20l2, with a 6% cash­ back on completion. The overall cost for comparison is 7.5% APR. There is a requirement to repay the cashback on early repayment of the loan within the fixed rate period. There is a free valuation and free legal work, but an arrangement fee of £845 that can be added to the loan. Buy to Let


BM Solutions is offering a two year


tracker buy to let deal at the Bank of England base rate minus 0.26%, equating to 5.24%, reverting to their standard variable rate, currently 7.50%, at the end of the period. The overall cost for comparison is 7.4% APR.. An E a rly Repayment Charge is


payable if you repay all or part of this mortgage during the first two years of the loan. There is a valuation fee of £350, while the arrangement fee of £799 can be added to the loan. There is no guarantee that it will be


possible to arrange continuous letting of the property nor that the rental income will be sufficient to meet the cost of the mortgage.


A most desirable garden fronted 3 bedroom home in the village of Sabden. Delightful cottage garden to the rear. Entrance hall, lounge, dining room, study area, and kitchen. 2 bedrooms, study area and family bathroom. 3rd attic bedroom. Utility room, paved yard and lawned cottage garden. Separate garage available on lease.


A delightful 2 bedroom mid townhouse with a delightful rear aspect, and well situated within Highmoor Park a most sought after area of Clitheroe. Well pre­ sented. External porch, lounge and dining kitchen to GF. FF:2 bedrooms and a bathroom. Private parking to front, DG and 6CH. Ready to move into making an ideal fi5t time purchase.


•j 5 Bed Det Home, peaceful loca- { tion a offering well prop living accomm. GF Ent Hallway, Lnge, Din Room, Kit, Utility a Bathrm. Consv plus Study/2nd Lounge. FF: Beds 1,2,3 a 4. House Bathrm plus Bed 5 with en-s Shwr Rm. Good sized mature gdns front/rear,


____attached gge, driveway to the 5 ^ 2 SOUTHFIELD DRIVE.. ~ 21 hFgHWOODS PARK ^ Superb 4 Bed Det Home comp:


. Ent Hallway. Cloaks, Din Rm, Lnge, Breakfast Kit. Utility, Gym, dble


zm x - x r n x i Conserv. First Fir: Master


Bedrm with Dressing Area and En- suite. Bedrms 2 a 3 with Jack a Jill En-suitc, Bed 4 ft Fam Bathrm. Attractive gdn frontage with ample parking, ini dble gge (split to provide the Gym)


W E S T . ' B R A D F O R D ,


; A superb 6 Bed Dct Home; GF, Ent - Hall. Lnge, Din Rm, Din Kit, Family Rm, Conservatory and Shwr Rm.


3 First Floor: Mstr Bed with En- 5 Suite Shower Rm, Beds 2,3.4.5, ft S 6, Family Bathrm. Enjoying well !«established gardens to front and I rear with a paved patio area to


j the rear adjacent to the Conserv, I gge block paved drive.


^ ^ ^ L t )E fc T 0 N E § ;P A R K W H A L L E 1 ^ ''


Stunning S Bed Det Home. Comp: Ent Hallway. Cioakrm, Study, Reception Rm, Lnge, Din Rm,


^ Breakfast Kit, Utility, conservatory. First Floor: landing, Mast Bedrm with En-suite Bathrm, Bedrm 2


g with En-suite Shower Rm. Bedrms 3.4 G 5 and House Bathrm. Dble det garage, outstanding land­ scaped gardens to both front and


"28 SOUTHFIELD DRIVE ’ ■ THE LIMES 18 PENDLE DRIVE^ ’


'^.CAlDERSfONES PARK WHALLEY'' m m


Perfectly formed a presented with style, this 5 bed detached home is an absolute delight Hall, lounge, dining room, breakfast kitchen, utility a cloakroom to ground floor. Stunning master bedroom with en-suitc shower room, bedroom 2 with en-suitc shower, beds 3,4 a 5. plus Bathroom. Integral double garage, a superb rear garden. View eariy


, 4'PASTURE GROVE 5 ^ ® -WHALLEY;' ?


A most desirable extended 3/4 bed det dormer bungalow. This home provides flexible a spacious living acc Hall, lounge, sitting room, dining room/bed 4, bath­ room a kitchen. Master bedroom with en-suitc shower, beds 2 a 3 and shower room. Good sized gar­ dens front and rear, driveway, garage.


.^; i^ * ? S IM (3 N S T 0 N E £425,qpo


Outstanding extended 5 bed dct home offering extensive family living accomm. Hall, Inge, dining rm, utility, dining kit, conservato-


1 ry. master bedrm with dressing rm I ft en-suitc bathrm, bedrms 2,3,4 ! a 5, study a bathroom. Attic: 2


I attic rooms. Ample off road park- ' Ing, dble gge. Extensive private


garden to rear.


ZERO carbon, wind turbines, solar panels - are you con­ fused? Help is at-hand with “RIBA Archi­


tect in the House", a new initiative offering homeowners across the North W est the opportunity to speak to a local architect about design issues, including making the most effective “green” changes to your home. Better still, the scheme - run as part of Architec­ ture Week 2007 - will give a cash boost to the UK’s leading housing charity. R IBA (Royal Institute of British


Architects) chartered architects taking part in “Architect in the House" will give hour-long consul­ tations in return for a minimum £40 donation to Shelter, to help badly housed and homeless people. Homeowners can register interest for the scheme online (www.archi- tectureweek.org.uk) and success­ ful applicants will then be matched with a local architect during or after Architecture Week, which runs ~ from June 15th to 24th. The theme for Architecture


Week 2007 is “How Green is our Space?" focusing on critical issues of climate change and sustainabil­ ity, and aiming to inspire people to. think creatively about the spaces around them. Architect in the House asked architects Je stico & Whiles for


O Keep cool - keep tempera­


tures down and banish air condi­ tioning by taking a tip from our Mediterranean neighbours. Add shutters or solar shading blinds to your windows to control glare and heat from the sun. © Keep warm - use sheep's


^ ^ f - /*•«« " i .1 . , . ^ f | I *'


wool or recycled newspaper to insulate your loft and cavity walls to keep your home warm without needing to resort to central heat­ ing. Jack Pringle, President of the


R IBA , said: “This is wonderful opportunity for anyone thinking about design changes to meet with a local architect for some valuable no-strings advice, and in the process helping to improve some­ one e lse 's housing situation through the work of Shelter.” Adam Sampson, Chief Execu­


some green tips for homeowners to think about when consulting an architect. Their guide can be down­ loaded in full at www.architec- ture.com and includes tips such as:


O Unlock the potential - the key


to being green is not to build unnecessarily: ask an architect to help unlock the potential extra space and light you need for your home. O Sun worship - as the weather continues to heat up, take advan­


tage of the rays using solar panels to produce hot water. In the sum- gier, just one or two solar panels can produce 80% of hot vvater used by the average couple. Speak to an architect about where best to position the panel. 0 Keep it simple - consider


energy saving light bulbs, double- glazing with low-emittance coating, draught sealing and extra insula­ tion before putting a wind turbine on your roof. Simple changes are often the most effective.


tive of Shelter, added: “One in seven children in Britain are grow­ ing up homeless or badly housed, with devastating effects on their health, education and future chances. The money raised by RIBA Architect in the House will be used to help Shelter's vital work with homeless and badly housed people. Changing your home for the better could help transform the lives of those children and families whose futures are being wrecked by bad housing.”


S L .


THO SE interested in a career in the property sector can keep one step ahead of the competition and make sure they are prepared for changes to Govern­ ment-legislation, applicable in England and VVales, when it comes into force later this year - thanks to new diplomas from City & Guilds. The changes to the Housing Act regulations come


into effect on June 1st, 2007, meaning it will be illegal to sell a property withput an Energy Performance Certificate, a compulsory part of the Home Informa­ tion Pack (H IP ). Only qualified domestic energy assessors and home inspectors will be authorised to issue the certificates. City & Guilds’ new Level 3 Diploma for domestic energy assessors is designed to give candidates the necessary knowledge and practical skills in the shortest time possible. The qualification consists of two mandatory units


covering the principles of energy assessment and five assignments on the full process of completing an Energy Performance Certificate, including a portfolio of site notes, sketch plans and digital photography. Qualified assessors will then rate properties on a


scale of A to G in terms of energy efficiency and car­ bon emissions, provide information on current aver­ age costs for heating, hot water and lighting and sug­ gest ways to reduce costs with energy efficiency measures. City & Guilds construction team manager Tara


Pickles said:'The simple fact is that from June this year, the Energy Performance Certificate will be com­ pulsory if you are selling a domestic property. And you have to be a qualified domestic energy assessor or Home Inspector to issue the certificate. “Our qualification is streamlined, flexible and gives


the candidates the best foundation to a career as a domestic energy assessor or as a home inspector. “t would encourage any interested parties to enrol


on the qualification now fo make sure that they don’t get caught out - or risk losing clients to competitors who are able to offer the certificates as part of their service.” For those who want to become fully-quali­ fied home inspectors, there is also a Level 4 Diploma for home inspectors, which includes the mandatory units from the Diploma for Energy Assessors. Both City & Guilds qualifications are supported by


Asset Skills, the Sector Skills Council for Housing, Property, Facilities Management and Cleaning. For further information on the qualification, please


see www.cityandguilds.com or call Customer Rela­ tions on 0207 294 2800.


M r - : ■J r 0 lamimmimaBmfiism, Remortgage For those looking to remortgage, the


Bank of Scotland is offering a tracker until Ju n e 30th 2009 at a rate of 5.74%, reverting to the standard vari­ able rate of 7.25% for the remaining term of the mortgage. The overall cost for comparison is 7.2% APR. An Early Repayment Charge is payable if you repay all or part of this mortgage dur­ ing the fixed rate period. This mort­ gage offers a free valuation, free legal work and no arrangement fee. Lifetime Tracker


The Norwich & Peterborough is


offering a lifetime tracker deal at the Bank of England base rate plus 0.24% for the full term of the loan, currently equating to 5.74%. The overall cost for comparison is 6.00%. There is ho Early Repayment Charge on this loan, but there is a valuation fee of £220 and an arrangement fee of £499, which can be added to the mortgage. 100% Mortgage.


Mortgage Express is offering a two •


year tracker at the Bank of England base rate plus 0.64%, equating to a current rate of 5.99%, reverting to the standard variable rate for the remain­ ing term of the mortgage, currently 7.50%. The overall cost for compari­


............ -■.....■ ’-------------


son is 7.5% A PR . An Early Repay­ ment Charge is payable if you repay all or part of this mortgage during the dis­ count period. There is no valuation fee, but an arrangement fee of £999 that can be added to the mortgage. Capped Rate Mortgage


The Skipton Building Society is


offering a tracker mortgage at a cur­ rent rate of 5.80%, capped for three years to a maximum rate of 5.99%, reverting to the standard variable rate for the remaining term of the mort­ gage, currently 6.64%. The overall cost for comparison is 6.7% APR. An Early Repayment Charge is payable if you repay all or part of this mortgage during the capped rate period. There is a valuation fee of £220, and an arrangement fee of £599 that can be added to the loan. O Figures based on £150,000 pur­


chase price or value and £100,000 repayment mortgage over 25 years. All figures are subject to revision, but current at time of going to press. ■ Your home may be repossessed if you do not keep up repayments on your mortgage. Your existing lender may impose


penalties if you switch your mortgage to a new lender.


Clitheroe Advertiser & Times, Thursday, May 17th, 2007 3 1


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