■48 Clitheroe Advertiser & Times,-Thursday, June 26th, 2008 CV on the ladder


A NEW housing development in Giitheroe will help first-time buy- ersTeach the first rung of the,


property ladder. . Sixteen two-bedroom apartments


are being offered for sale at the Clyder Park development in Mitchell Street by shared ownership special­ ists Plumlife.. : They are available for as little as


£63,750 - based on a 50% share,. with an'additional monthly rent of ■ £146.10. Priority on purchasing will be given


to local residents who want to buy a home in the Valley, but find them­ selves priced out of the market. . Plumlife, part of Great Places


Housing Group, specialises in shared, ownership schemes, allowing first­ time buyers to buy a share of their


■ home and pay rent on the remainder. These new two-bedroom apart­


ments, developed by Bardsley Con­ struction, have fully fitted bathrooms, kitchens and balconies to the lounge, while those on the groundfloor have small gardens and some have optionT. al parking spaces. Speaking about the difficulties


faced by first-time buyers Lisa West- - erman. Sales Manager at Plumlife, said; “It has been well documented


recently that first time buyers have dif­ ficultypurchasing their own property. ‘This is also true in Clitheroe and


surrounding areas where young local people are simply being priced out of the market.Through our shared own­ ership scheme, buyers now have the chance to secure a foothold in,the housing market in the local area. • ■ : “Clyder Park offers modern stylish


. interiors in a beautiful settirig close to . the countryside as well as transport links and amenities; making it a per­ fect starter home for many young peopte.” ■ ‘ ‘ ■ The shared ownership scheme:


also gives home owners the opportu- ■ nity to “staircase”, after.12 months,: offering them the chance to buy the remaining share of the property - either in stages or in a single lump payment.


• As well as being available to first- i time buyers, the scheme is also open to those unable to afford the costs of


. purchasing a property outright, ten-. ants of housing associations, local


- authorities and those renting from a private landlord. • Anyone interested in finding 9UL more about the Clyder. Park developr;


■ ment can ring 0161 447 5050 or visit' www.plumlife.co.uk.


m m m P .O U R .


pictures • show


the inte­ rior and. exterior shots of; the new develop-- ment (s)


propertytoday.co.uk


A RECENT poli by rural insurer,-.: NFU Mutual has revealed that v


#33% of respondents have been: " ■th'e victim of garden theft. ;‘: , v; .-. v /• With the yalue of a garden’s


icbntents now potentially being- thousands of pounds, the insurer


"is warning people to check their. -. level of garden cover.


"v: Laura Wood at NFU-.Mutual ; commented;:“The value of the . rural garden is increasing with


' people spending more on state- of-the';art barb'ecues,'expensive garden furniture, tools and some-


't im e s v a lu a b le s ta tu e s ../..; ':'. “Although peopte review their


home security, they often forget about sheds, stores and gar­ dens. Many home insurance poli­ cies will cover garden thefts, but if you have some particularly valuable items then you-should probably specify them on your policy.” . Here are some tips to protect


your garden antiques and out­ door furniture from thieves: ■ -. • Be aware of the limits of


/ i Howto deal with remortgaging


HERE is the first in a series of property-, related articles written by Jan Bull, pic-; tured, an independent mortgage advis-, er and director of specialist company Mortgage Salad. Jan can be contacted • by phoning 0800 9883377 or by e-mail' at: jan@mortgagesalad.com :


Is remortgaging a problem? As the media constantly note (along


with the recent RICS housing market report) house prices continue to fall. Estate agents in the North-West are


lucky to sell a house a week, a n d : nationwide many are considering clos­ ing down. Meanwhile mortgage lenders,■ have drawn their horns in big time.^ Products in the market have shrunk from 13,000 last year to around 3,000 now..Lending criteria has contracted horrifically: a couple had an application:


reduced loan to value ratios. Previously


• available.100% mortgages are now his­ tory unless you have a guarantor. ^ . ■ Even with equity in your property and


m


. a clean credit record, remortgaging can be unexpectedly costly. This doesn’t


: bode well for those coming off fixed rate mortgages. What are their options?


• Transferring to your existing lender’s - standard variable rate increases your payments sharply. If you can still meet


■ payments there’s no problem, but see i f . your lender will offer a lower rate prod-.


Juct.'lf you cannot meet increased pay-; ments and your lender won’t offer a:, lower rate then remortgaging .with r


declined because she had been slightly ■ late with a credit card payment two. years ago. It is not a borrower’s market. With official interest rate cuts not fully ■ passed to the borrower, lenders have


. another lender is usually your best : option. However, beware pitfalls. Online searches for low interest rates are entic-


:ing, but many produ'cts'have high lender’s fees that must be correctly


devalued to reach the true cost to you. Don’t make several applications, each; becomes visible to the system and you look desperate. Lenders may decline for many reasons once a credit search has been carried out. Any credit search marks your credit file and declined ones particularly damage your future chances of success. An independent mortgage broker


can ease the search and broker’s expe­ rience of tenders is useful in the current market to help maximise your chance of success when applying to remort­ gage. A broker earns a crust by offering. experience and reduced stress. Regu-:


' lated by the FSAi an independent mort­ gage broker’s advice and recommen-: dation will be b'ased on the most suit­ able and affordable product from the whole of market. ■ ■ -


Helpful advice if your home is on a floodplain


FLOODING is any home- owner’s nightmare, caus-; ing untold damageun hours that can take years to put right. With climate change likely


to in crease th e , risk of extreme weather events and floods, p rope rtie s which have never flooded before


. could be put at risk.' ■ Now, to counter the grow­


ing threat, the Environment Agency has iaunched three simple flooding guides that offer crucial advice on how to protect your home and family - before, during and after flooding. T h e guides form an


.. essential part of the Environ- •'ment A g e n c y ’s ongoing


; Flood Awareness Campaign, which uraes everv house­


hold and business to check ■ th e ir flood.risk by calling


' Floodline oh 0845 9881188 or using the online postcode checker at: www.environ- ment-agency.gov.uk/flood - ■, ■With an estimated £1 bil-^


lion being spent repairing damage caused by flooding annually - not to mention the


■ personal cost in terms of ' damaged possessions and- ^irreplaceable memories - . flooding can have a devas-;


: fating impact on p eople ’s lives. ’ The Environment Agency :


guides outline the steps to, take in advance of, during • and after flooding, to min­ imise this damage and dis- . ruption and keep your family:, safe. ■ The three ouides are:, -


. Preparing for a flood . -T h e guide contains practi-


: cal advice on what to do to- protect your home and fami­ ly,-including how to create a flood plan, prepare a flood


V kit of essential items, a n d , lists of key contacts. . It explains,the different •


TIood warning codes, outlin-.- ing what action should be


.taken when a flood happens : and gives advice on what you can do to minimise flood


. water entering.your property. ■ During a flood - Offer­


ing advice on how to stay..: safe and what to do in a, flood, the publication indi-;.


After a flood - Provid­


ing guidance; on how to recover: following a f lo o d ,- ; including what to do on - returning to your property,- clearing up after a. flood,, dealing with an insurance • claim and finding temporary housing. It also contains essential


information to ensure your- home is protected- from • future flooding.


: . : % Environment ' A g en c y :. 1 J g-1 -* '• • * » *••- *- ■ * f r ’i i i t I L 'J J a f r . ». u J J f f r. L 'J- » * • * A


■ cates what steps should.be. - : taken in an emergency,-how ■ to protect your possessions; ':;: .utilising your flood kit and.:r : what to do iri an evacuation.-/■ 'f •» Ir-


: Regional Flood Risk manag-.:: er Mr Jeff.Lawrenson s a id :: “People must be prepared for-floods and know what to -- do.if the worst happens. . ‘‘\Ne strongly advise that ; every household in a’flood


;■ risk area: has. their own piah of action that, can be'quickly out in olace diirino a flood


emergency. All households; should read our three nevv; flooding guides, as ip many) cases preparation rnakes a- big difference.”


;,,,:More;(;than: 2.2 miliion homes are situated in areas at risk of coastal or river


flooding in England and Wales and even those prop-; erties not at risk of river or coastal.flooding can still be affected by surface water flooding in cases where' drainage systems are unable, to deal with intense rainfall.;


. V Fo r .fu r th e r informatioh; about how to prepare for flooding and to obtain copies of the Environment Agency’s three flooding guides call


sFIoodline 0845 9881188 or -v is it : www.environme'rit- aoencv.aov.uk/flood --


your home and contents policy and ensure you have adequate - coverage for items which exceed that limit. • Wherever possible, secure


Items of value to an immovable object, or concrete them in place. . • Take photographs,of.yalu-


able garden statues and^teojs: :y-. and data-tag or, mark.thKfTem . i with your postcode, to aid recov^. ery in the event of a theft. An approved identification kit can also deter thieves, especially when you use window stickers ■


;which.warn-thatyour:posses-.;-- sions are marked. • Consider planting prickly or


inhospitable plants and bushes around the garden statues and ornaments. In this way you can still achieve an attractive back- drop'and make the thief’s job more difficult at the same time! • Fit good locks.to garden gates and ensure you use them!


: • Fit motion sensitive security , lights to areas where-items of ' value are located. ; . - • Wherever possible, lock- ■ items-away in a well-secured- -garage or garden shed. Never . leave a garage or shed unlocked,'


: especially If it provides access to your property. ' . • Consider, joining or setting-. -. up a Neighbourhood Watch.. ■... scheme in your area - do help reduce crime. ,


they reaily' - ' .


i ■ For more information,: visit the ■ - - - insurer’s website at: www.nfumu-. ' - - tual.co.uk


!


: • ESTATE agent Edward Snowden has won £500 in . .' a competition run by the:^;" national.Home Sale Net­ work. A director.of Mor­ timers, he was one of 16 winners, one in each of the network’s regions. : Mr Snowden said he had ^ ^ no plans on what to spend it on, adding:. f’I’m sure my wife will have plenty!”


'/ ' The national network of : more, than: 750 independ­ ent estate agents helps , 'Clients move to other parts -


: of the;cduntry with each " successfui referral gener-, v ating a token entered into the orize draws. -


^ __-*


' '6 BEDROOM DETACHED HOUS.E;' . o c n


£ 2 3 4 p 7 5 u


' Waters Edge > PADIHAM (iUl? giri


r Jr '' ' DUTY AND


^ ? LEGAL FEES PAID r INCLUDED


r-.--.'.'’- ' " - ' i : . WATERS EDGE the winding River Calder and nearby Grove Lane Plantation -n -o a rh u -R n \/& ;| a n p P la n ta tin n '.....i world of business seem farav;ay.' .v ‘


Pendle. the Trough of Bowland and the - West Pennine Moors are a ll close by.'Yet . this exclusive development is only a few vte minutes drive from the M65.


■r- To a r ran ge Viewing and fo r more in fo rm a tio n please contact.:,.,;...;. ' f Simon DiCanio telephone: 0 7 8 2 5 7 4 7 3 0 6 ^'Westfield-Park Homes o f Distinction Bamolds^vick. SHOW Hgjyss OPEN " -f^Situated on Carr Road ^ , beck homos D lv a O ? .M tN T 5 t lM lT E O , .


HOLME PARK tel: 01282-47-10-80


UixuTY


www.holmepark.co.uk .. for easy, high class living


Houses for Sale


16 bedrooms, offers in the region of £300,000 23 - 25 Spencer St Offers in region of £265,000


4 Keighley Rd, Colne


Detached house with 2.B acres of land In Levons Cumbria £385,000


will take part ex's of any value on these properties


10 Terraced houses for sale Tel 0 7 8 3 4 1 5 S 2 4 4


iiiiBsiiiVBS Oil 'sglssjail plofs


r Sales & Mdrketing'C'entre ■ \ ' ‘ Tel: 01282 816990'


fMhf r-'i.'i-'sii-'." «. Opening Hours: Friday,' Saturday, r,- V 'f


,\.(;.:;.^Sun*day 8c Monday 11 arn-sjom ‘ SekgAo en ts


- C O N S T R U C T I O N i ' i > r A S J y - ' ' |


Detached Bungalow, Colne Planning permission to convert to 2 Dormer ; bungalows. OIRO £210,000


23/25 Spencer St, Padiham 10 bedrooms OIRO £275,000


4 Keighley Rd, Colne - 16 bedrooms OIRO £295,000


The Beeches, Levons, Cumbria ■


■ ■


11 Property Wanted We'll beat any


Stunning apartments and penthouses Prices Biart from


tel: 07616 415166 For further information


or (xrndil, iblovol((Co''<:fbrocklicillvillr‘igo.co,uk


£ 230,000 £450,000


READ/f OR IMMEOlAtF OCC URATlOfI


Old ianf,Uo


Detached property with annexe. 2.5 acres of land. OIRO £385,000 Will part ex


Tel. 07834 1S5244 reasonable cash


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.denaligroup.co.uk: 1 0 0 0 % of H o m e s property _ kBImMitiaMitffn lil ill 111 nil llllllll)


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D O N ’T L O S E


Clitheroe Advertiser & Times, Thursday, June 26th, 2008 49


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