Clitheroe 422324 (Editorial), 422323 (Advertising), Burnley 422331 (Classified)


42 Clitheroe Advertiser & Times, Thursday, June 12th, 2008 Accommodation


andefton b'osonnet ,0«TF01,0 OF PFOPERIIES TO lEI


■ G a r y H o e r t y A s s o c i a t e s . Corn Mill MewSi Whalley £795 p<m


Tlih stone bu3t tnm townhouse enjm fovDured position next to the wotervhee! end ovenooking the formef miroct Oetvpying a Irttle known bockwoter loeotion and deoily exclusive the oaommodotioo conpnses hoO, owa pkm kitchen diner, vtity, clookrooni Iwnge, three bedrooms, en-suile ond house bothroom. i200sq.ft/111sqjTL ApproL Piivole ond (ommunol gordens with designated perking. Certoinly not run of tbenuSl


Beverley Drive, Clitheroe £695 pent


A wel presented two bedroom delodied true bungckiw locoted within a sought ofter resi^ntiol neghbourhood on the outskirts of the town, but within walking distance of the town centre. The accommodation - further comprises vestibule, boll, lounge, three piece bothroom, dining kitchen, utility, ottoched single cor goroge os well os molure gordens to front and rear. Viewing is highly recommended . -


long Close, Clilberoe £525pcm


Three bedrooms plus a gorden moke tbh lovely quosi sem! a perfect dioice for o smoU fomily. Enjoying o delightful semi rural osped to the teor it comprises hoD, open plon lovnge/dining room, lutdien, three piece bathroom widi shower, gas centrol heating ond double glsiing, fitted wordrobes in two bedrooms. 690 sq ft/64 sqmopprox. A super home. .


Baik King Street, Whalley £695 pim


Centrally located and able to loke odvonloge of WhoOey's mony ond varied foatilies, this emmenny stylish 1st ond 2nd floor oportment is ovoiloble port furnished and therefore ideol for the buriness client. Spacious (920 sq fl/90 sq m ooproL) it comorises lounge, dining kitchen, two double bedrooms, dressing room/study, bathroom, roiled balcony and a porking spoce. Certainly not run of the mill! ^rnhhei


- .


contact tehno. 01200 421755 Holme To Let


N ew ly Built Quality Homes Pu rp o se built fo r Modern Living


Amazing P re s en ta t io n In side & Out Fu rnished o r Unfurnished 2 B ed Apartments


P a r m o r o I n f o p lo a m o c a l l a n y o f i h o n u m b o r a b o l o w


t 1 ‘ 0 1 2 3 2 A 7 1 0 B 0 t 2 • 0 1 2 B 2 A 7 1 0 7 1


l ie Meadows. Billfngton rhe Spinney, Grindleton Manorfields, Whalley --------------------------------- TO LET Busiriess/Storage Unit ■ Gisburn


Converted barn 1800 sq ft for B1 use offices storage rooms reception area


3 Bed Fully Renovated .


(.arge Dining Conservatory Private Rear Garden


Unfurnished £875pcm 2 Bed House


Water Street, 6r Harwood Unfurnished.......£ 495


'2 bed Apartment Sarmation Fold,Ribchester Furnished.......£475


2 Bed Apartment '


Off Somerset Ave,Wi!pshlre Unfurnished £750


£100 MOVE IN Burnley, Nelson & Colne. (Quality 2 - bed houses. Mus t be working. Rent from £75 per week. Tel. 07854 140590 o r 0161 6439090 ■


Fiats & Apartments to Let


Flat To Let WHALLEY


Comprising oftwo - b bedrooms, Kitchen,


ROAD AREA, CLITHEROE


W REFS REQUIRED


athroom, large lounge. :£4l0pcm- :■


OULD SUIT COUPLES


01200 442199 0 - DAYS -


IMPORTANT NOTICE TO


ADVERTISERS


' Although eveiyadvertisementis, * careiully checked, occasionally


H O LM E PARK . wYiwJxWTwpark.co.uk


f .JOHN PALLISTER P.I.C.S. — 1 Bn)W Top, GHiidlviun: (New) A eltamilng senu*ilel


ChiirtttfJSunnvn./XucUimtm. LattJAgrnls, LettingAffnb A C C O M O D A T IO N T O L E T


cottage offering .simple living und vdlagc life being in the centre of the popular village, but with pleasant •


views towards Pendic Hill. The cottage has an ent vest, L/R; kitchen, large bed and box room with bathroom’^ and shower, and ample off road parking..


Fn r further delaili please contact Richard Palliiter,.,'. - - The Coach House, Duck Street, . aU heroeTel:0 J200 425697 :


c ' V \ V ' ' . m e s ^


: mistakes do occur. We therefore - askadvertiserstoassistusby . . checking their advertisements carefully and advise u s .


immediately should an error occur. We regret that we cannot accept ■ responabilfty for more than ,


ONE INCORRECT insertion and thatnorefublicationwilibe-, . . . granted in the case of


- typographical or minor changes which do not affect the value of the -o advertisemenL .


j Executive Lets


Very Spacious 5/6 Bedroom


Country House To Rent


in beautiful position in the Forest of Bowland. £1350 pcm.Stables,


paddock & o utd oo r school I- . also available. . •


Call 01200 446001


Shared Accomoda* Bon


CLITHEROE i House Share


2 Bedrooms available '. 2 bathrooms ,


Available end o f June ?Tel:01200 444251 o r - 07733 395510


j Between 6-8pm Refs required


SSisSS:


For your FREE copy of EMERGE, a 60 page guide to investing ,l:i - in emerging properly markets call 01323 726040 or visit;,,:


vvww.worldofproperty.co.ulc/contact trc (uV‘ ' i iu b ;m w i io n f !O i iu n f io r l i o ‘ i} o t i f h u v t i i - ‘S s i } . i iU H - i ia


'foil lin y iiihubtaiho iiom ihis w w e . cslmy.Hinir. FA-./Sf* lu k i lu ^ lm if p u d o p o i '.oi'.lj i R . • • •


■ (ty fjivmti os your /w . ; / / telephone


O u ilm nifP ubkh ing m.r/ conuici you i ) / inA'OW.ftf O fp im u lo you h io iv .n h 'iiiiijio d u c ti m i


you io o it-n n o - ie d vw otit


‘ m H


Produced by wv/w.vjorldofprQperty.co;uk in association v/ith; H 1 F X


Please'send this form to World of Property, ! Commercial Road, Eastbourne, East Sussex, BN21 3XQ:^ You can also call 0!323 726040 or request a copy online at www,worldofproperty,co.uk '


,.


1200 444412 EVES


Detached house with outbuildings for long term let for a working j famllv.


Tel: 07930 211561


' “ , ■ v'.’ ■ •


Your complete guide to all the hottest


emerging markets for overseas property


: . t N buyers and investors


■ Find the bargains where,thpystiil exist


' A prominent town centre comer shop unit suitable for a vaneW of retail uses subject to planning permission and situated on the


- penphery of the main shopping area of Ciitheroe on the corner V ofWellgateandLow ergate'


: • Unit 6, S h aw b rl^e Saw M ill, Shawbridge 8B71LY £420.00 per month


- ' : . TO LET ■ On negotiable lease terms car parking v '• .


. Superb detached self contained office property situated on the fnnge of town centre in this riverside location and within th e .


popular Shawbridge Saw Mill Retaillng/Office Complex, v isito r ,


INVESTEMENT OPPORTUNITY * '


, Lying i relaiiini


1 Moor Lane. Clilheroe FOR SALE 1^49.500


Large town centre retail shop unit and offices. In the heart of the market town of Ciitheroe in a ^ .


-> Limrted on a lease expiring 1st September 2009 at a current rate of £10,000 per annum


,


33 Moor U n e , Clitheroe BB716E FOR SALE £160,000


- An excellent lock up town centre shop premises (fully leat on - lease). Lying in the heart o f the markeftown of Ciitheroe on the main thoroughfare into the centre, this ‘fully let' retail shop with


. take-away’ planning consent is let on a remainder of a s ix year lease from Apnl 2006 with three year rent reviews, the current ■ rent £11,000 per annum plus rates and services..;-, ;


V ■; i For further details contact'


5 & 7 Castle Street, Clilheroe' 8 1 2 0 8 4 2 7 3 3 1 39 King Street, Whalley 0 1 2 5 4 8 2 5 5 5 6 . ^


0 - f 4 - ■h


. . . . . J O area of the town close to the Castle entrance this large - end terrace shop property is currently Let to Age Concern


tural repairs to This inc udes,


■


heaters. ' 9 If you are moving into a house in muj-


oilets and any fixed neaiers or wdi Tet, bathroom or kitchen with people other ■ erty considers ourPadvice and asks the.- ple occupation HMO (i.e. you share a toi-


; than those in your immediate family) check if^your landlord has or requires a local


• .1 • from


right questions up' front.,' ■ W . L. “ If a potential lahdiord o'r 'management


OFFICES


s o


™ V t ' online Ip


4 Large Bedrooms - Stunning Garden


Detached Triple Garage Unfurnished £1500pcm


3 Bed House .


Church Mews,Gr Harwood Unfurnished.......£550 *


1 &2Bed Apartment’


High Street, Rishton .^ Unfurnished.>>..£320/350 2 Bed House


Reldens Lane,Mellorv Unfurnished__..£700;


2 bed stylish Apartment Views over Whalley Nab Quiet Cul-D^Sac Location


Unfurnished £575 - •:1 Bed Cottage


k Mellor Brow, Mellor '' Furnished ........£500


' 2 Bed Bungalow ■ ■ Baden Court, Brownhlll Unfurnished~.....£650


T . 3 Bed House •


.Whalley Rd, Clitheroe Unfurnished.....‘ .£625


Property Wanted


offer made: for your property


; Don’t sell until you have spoken to ^ our local property specialist.


Call Steven today on


01254 390862 or 07526 915457


: www.(jenaligroup.co.uk ’ Business Consultants. HR nntl Emplo\-mcnt


- Day 10 day practical assistance arailable for ovenvorked small lo medium sized businesses.


Immediate support in maintaining key policies and up lo date ivork place sy’slcms. No long term coniracis. No crippling fees.. :


.■ . : ’ , ; . ^ .. .


For a friendly no obligations chat about our cost. • cneciive local senice; . . Call MansOcId on


01254 826420 or 07917 192160 AIANSnELDSUPPORTING YOUR BUSINESS


EXCELLENT TOWN CENTRE RETAIL SHOP PREMISES . ^ SUITABLE FOR AVARIETY OF USES ^


A pnme town centre retail lock up shop lying m the heart o t the market town of Clitheroe and suitable for a vanety of uses.. Situated close to the junction with King Street, Market Place is


the hub o f this market town and within close proximity of major banks, building society's, multiples, the Post Dflice and Council • •


•• e s t a t e s . - i ' - - - . - •• most attractive . courtyard location, which is situated lust o ff Castle.Street the


main thoroughfare of the bustling market town of Clitheroe. The property is available by way of a ‘new’ negotiable three or six yearlease. . .


3 Market Place, ClitheroB .. . ■ • . - TO LET £12,500 PA


I


Fully let large 3 storey town centre townhouse in the shadow of : Ciitheroe Castle currently part let on lease as offices with 2 > ’ storey self contained apartment above comprisino lo un g e,-.. dining kitchen, 2 bedrooms, bathroom or could be fet as office -


dilll i l l l i


accommodation (currently available);, 22 Lowlergale. ClliitIheroe


, FCTR SALE . letting: check before you sign


WITH house prices still beyond many peo­ ple’s grasp, as many as one in five house- hunters are choosing to rent rather than buy,'according lo Belvoir Lettings. ‘ ' The country’s leading lettings specialist, which has an office.on The Sidings, in Whalley, offers those new to the world of tenancy agreements the following advice before they sign on the dotted line: '- • Confirm, in detail, which costs are ,


■ covered.


included in the monthly rental. For example, if bills are included, ask the, ; landlord to provide a list of which ones are ...


9 : Find out if your letting agent is a mem­


. - 9 Check that any deposit paid will be held in an approved tenancy deposit;--


ber of an approved association such as NALS.


.: 9 Ask to see gas (Corgi) and electricity ;■ (NICEIC) safety certificates for the proper­


scheme.


ty-9 Ensure that a detailed inventory is provided by the management company.


. 9 Ask the landlord or management com­


pany if they will be instructing a Domestic f- Energy Assessor to issue the property with an Energy Performance Certificate (EPC). - 9 . Find out what repairs your landlord will be responsible for.


'''whahaTOr^evef.considered'renting before -..ing the'small print, our advice is to walk -"m'ay be interested to kn5w thatjegislatioh -.straight out of the door.


authority. licence.i'IVIike_ Goddard,-Chief Executive' of Belvoir,--said:-;‘Many:people


^


tE s t n 'd 'a n T f ix e d h ^ wate^ ' more protection than ever before. ^ ^? ^ ;::-|com p a n ie s 901 there, such as Belvoir, who ‘ corn’es to signing a tenancy.agreement and'“,thrgug h|h&


- ihtro'duced in‘recent years offers Jhem ... -..“There are many good management ..jhere a'fe sonie.,goldeh ru|bs whe^^^^^^^


we suggest anyone jooking to rent a prop-; “Don’tTsettle for second best - after all


happy to guide you process in detail.


there are" few things as important as having a safeV-fecure and comfortable home to


live in.5;^^-V--4'


Do you have a problem with para^kaveidekatp^^ ANYONE i suffering


“paraskavedekatriaphobia” - an irra­ tional fear of Friday the . 13th - may


: think they will be safest staying at home; tomorrow.‘t


company tries to fob you off or encourages; ' you to_sign on the dotted line without read-


We'll, beat any : reasonable cash


- ' Flexible lease terms £500 pem • Tel: GHA on 01200 442301


Business Centre Have prestigious newiy built offices in Burnley


Holme Park PRIME LOCK UP RETAIL . .


SpadoDS new offices' KecepOonArei


: : RecepUon SenriceAvailable Ready to move In


- JustnlfJanctianlOMSS


If yin Koald nke mon Momatioo n to aimga avintogpitanull 01282 47 10 70 or 07891 56 0789


An excellent local two storey shop premises suita.ble for a


variety ot uses. Situated in the popular and attractive Swan ; Courtwrd lying just off Castle Street in the main hub of the


town centre, this lock up two storey shop Is a short walk from the main centre car parks.


7 Swan Courtyard. C lilh e ro e . ' - TO LET M o PA


tow n CENTRE SHOP PROPERTY ,■ , .


Conveniently located in the hub of the bustling market town o f . Clitheroe in an area, of retail and office close to multiples including Barclays Bank, Johnsons The , Cleaners. Woolworths and town centre car parking ^ r £15,500 per annum , V : - •; . _


1 Swan Courtyard, Clilheroe TO LETg9.55DP‘


Mortimers C h a r t e r e d S u r v e y q i i


C O M M I 151 1 VI SHOPS


30 CasllB Street. C lith e ro e . . . TO LET :•


by way Of assignment Houses to Let


Industrial & Commercial Property To Let


Business to Let


www.clitheroeadvertiser.co.uk


Clitheroe Advertiser & Times, Thursday, June 12th, 2008


Pay more atteritibri to your mortgage for a good deal


“THE so-called ‘Credit Crunch’ is making borrowers pay more attention to their mortgage” observes Peter Toner, of leading i Northwest lavv firm Forbes Solic­


itors. Here Peter, pictured, who works in


Forbes’-Finanoial Services Depart­ ment, offers some useful tips to bor­ rowers who are looking to find a good deal. -


125% loans are now behind us. There is also a limited amount of lenders who will consider 100% mortgages'and the number of lenders offering such a service is like­ ly to decrease. First-time buyers should look to


Build up a deposit: The days of


have a deposit of at least 5%. With some lenders the interest rate offered is dependant on the amount of deposit.' Re-mortgagers should check if


they have enough equity in their home to secure a new deal. Once you have found a new


deal act fast: At present there could be almost no notice from lenders before a deal is withdrawn. Consider all costs: Before


: make an appointment to see your mortgage adviser to see what deals your current lender can offer you. Then, armed with this offer, consult an Independent Financial Adviser lo see if the deal can be improved on. -: Make sure you can prove


moving to another lender make sure that all costs are calculated for the period of your deal. Arrangement fees, solicitors fees and valuation fees all need to be considered not just the interest rate.- Independent advice: Always


your income: Self-employed work­ ers will need to provide certified accounts or will have to go for a high­ er self-certified deal. Employed peo­ ple should take care as the earnings


they quote will be verified by their employer. The lenders policy on things like overtime and bonus pay­


ments.need to be checked out because if these are not included it ■ could mean that a higher rate may apply. Or worst still the mortgage application could be declined result-. ing in all non-refundable items being lost. Do a credit rating check:


Before applying for a mortgage it is always advisable to pay a small fee to check your credit file. You could have a black mark against you for something like one missed payment from years ago. Consider the term: In order to


there is uncertainty in the mortgage market some borrowers gravitate towards the SVR as a “wait and see option”, it is important not to be per­ manently in a “wait and see” position because your mortgage has slipped down your list of priorities. A wait and see option: A bet­


Consider fixing your offset: - ^ -


ter wait-and-see option could be a Tracker with no early redemption charges.


reduce monthly payments it is some­ times attractive to increase the term of the mortgage. Increasing the term


- will mean that you pay more interest on the amount borrowed. One trick that most people miss is io consider reducing the term. This increases the monthly cost, but means that the cost per pound borrowed is less because the mortgage will finish sooner. Standard variable rate: When


Offset loans are more popular than ever and are handy for those who keep large savings balances. Recently some lenders have increased their variable rate offsets and some borrowers could now ben­ efit from getting quotes for Fixed Rate Offsets.


• For further information, contact


Peter Toner, Stephen Smalley or Annette Heyes in the Financial Ser­ vices Team at Forbes Solicitors on 01772 220022. •


' :


Watch your step with HIP information


PROSPECTIVE house sellers should watch their step with the new Home Information Packs (HIPs), according to Michelle Spensley, Head of Conveyanc­ ing at Forbes Solicitors’ Blackburn office.


The Home Information Pack team of _


the Department for Communities and Local Government has warned that some HIP providers are using what are called “register views’’ of the property plan in their HIPs, instead of the “official


copy”. The Department warns that the regis­


ter view is not sufficient evidence of the plan of the property shown in the docu­ ments of title. Including it in the HIP instead of the official copy is a breach of the regulations relating to HIPs. They warn that official copies are


required as these are encrypted docu­ ments that the Land Registry will stand by - for example if there are any errors in the register - and are therefore acceptable during the conveyancing process. Although the information they contain


is similar, register views have no such status. The official copy is required under the HIP regulations. “The important issue is that if there is


an error in the plan contained in the reg­ ister view, there is likely to be a dispute, with potentially substantial costs - ^ required to resolve the matter,”- added... Susan Piela, conveyancing specialist at the Forbes’ Preston office. -


If so, watch out tomorrow!


Howe •ver, new research from Natioh-.-ii wide. Some of the moreTun.usual claims cirtr’i txihilo x/aniiiiminn raiiQinn it tn fnll • .Tn miintfir SlJCh CatastrC • 1 r '


wide Building Society shows that more received on Friday the’p th include:, accidents happen'in th'e home, and 9 The insureds dog'walking a bottle accidental damage'accounts for around of hair dye right ,through the, house; ; ; half of all claims registe'recl with'Nation--;T.::: 9.The'insured .knocking over a teleyi-:


Sion while.vacuuming causing it to on top of a laptop damaging both items 9 The insured leaving a plastic tray


on a gas hob causing fire and smoke damage to their property.. :


To counter such catastrophes, until


July 31st, Nationwide is offering those buying buildings and contents insur­ ance together, a 20% discount now and 20% off their renewal next year.


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