36 - Clitheroe Advertiser & Times, Thursday, February 17th, 2011


anderton bosonnet


[IS


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I room and I conservatory. . Four bedrooms, en-suite and house bathroom.


kestdentiel- i,erttnqs .■ 01200421755


31 King Street, Clitheroe 6B7 2EU


2 Southport Barn 'iav/loy


■ Stone built (furnished) barn conversion. Three bedrooms, two bathrooms. Parking for one vehicle.


iZ75.;pcm;^ 2 Wickentree Row St-


Garden fronted terrace. Two bedrooms


. & bathroom. Lounge & dining


1 Hawthorne Place icilKliowo


End of terraced property. Three bedrooms. Two reception


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;gi£625'pcm.;t


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Squires Cottage, Dunkirk Farm, Read: A spacious det domier bungalow enjoying open views. With cm hall, lounge/dining area, dining kitchen, utility. WC & porch. 2 bathrooms, gardens and garage


6 Enncrdalc Close, Clithcroc: A well presented 3 bed semi situated in this popular location off Henthom Road. Comprising cm hall, loungc/dining room, kitchen. FF 3 beds, 3 pee bathroom. GCH & DG Gardens front and rear. Drive to side leading to garage.


20 Downliam Road, Chatbum: A stone fronted 1 bed and box room cottage. Situated in lliLs pleasant village of Cfiaibum. Comprising lounge, kitchen. 3 pee bathroom, shared rear yard GCH. .


'


For further details please contact Richard Pallister The Coach House, Duck Street, Clitheroe,Tel: 01200 425697


RICS Fiats & Apartments to Let i r hr


HARLE SYKE 1 bed 1st Floor Flat. Quiet loc within a conservation area, good access to local shops. Private parking, exc cond. Would suit long term tenant. No pets, no smoking. No DSS. £500 bond + £325 pcm. Avail 1st March. Tel 07949 945946


Houses to Let


PARK AV E CLITHEROE 5 bed semi + conservatory. Quiet cul de sac. £750 pcm. No pets or smokers. Tel 01772 334428 9am - =5pm. •


SIMONSTONE/READ Det bungalow, 3/4 bed, conservatory. Must be , seen. Recent refurb, ; Tel 01254 823064 ' '


B BY B Farm Cottage & Farm House. Rural / Idyllic loc Bowland catch. Tel •. 01200447377/07747611411


BILUNGTON One bed cottage. No DSS. For details Tel:01254 823792


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FOR SALK BY INFORMAL TENDER- For Guide price and tender form plca.se contact the oflice


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By Hannah Ramsden


THE return to health of the buy- [o-Iet mortgage market continues ;o gather pace, with nearly half af mortgage brokers expecting to increase the level of buy-to-let business they introduce during 2011, research from Paragon Mortgages has revealed. Paragon’s Financial Ad-


nser Confidence Tracking Index (FACT), a panel-based survey af mortgage brokers, found that 16% of intermediaries expect to introduce more buy-to-let mort­ gage business during the year. Nearly two out of 10 (17%),


showed that 51% of mortgage brokers reported an improvement in the availability of buy-to-let finance during the final quarter of 2010, with 46% expecting a further improvement during the first quarter of 2011. The buy-to-let market showed


expect to see an increase in buy- to-let business of 10% or more during 2011, with 29% expecting to do up to 10% more business.' Paragon’s FACT research also


strongsignsofrecoveiyin2010 ; with the launch of several new lenders and Paragon’s return to the market. The year saw the number of products and lenders increase, as well as a greater level


of innovation, leading to re­ newed cornpetition and choice in the sector. The Council of Mort­ gage Lenders is expected to con­ firm that gross advances increased during 2010 when it announces its final year figures for the buy-to-lct market in February. Mr John Heron, Paragon Mort­


gages’ managing director, said: “VVe are clearly now in a more buoyant phase for the buy-to-let


point for the sector and it enters this year on the front foot and with confidence. “As approximately nine out '


market-2010 was the turning


of 10 buy-to-let mortgages are introduced via intermediaries, it is extremely encouraging that nearly half of brokers expect to increase business levels in 2011. This, in turn, should attract a greater number of lenders and borrowers


to the market. “Intermediaries are encouraged


by the growing number of lenders in the sector, which is stimulating much-needed competition and product innovation. Meanwhile, there is a clear shift in UK housing trends towards privately rent­ ing and landlords are looking to benefit from the excellent levels of tenant demand and strong rental yields.”


Building survey really is a must


I THE Royal Institution of Chartered Surveyors I (RICS) is urging firms throughout the North- I West not to buy or lease a commercial property I without commissioning a building survey from I a chartered surveyor first and checking that I their insurance covers all the potential risks to I which they might be exposed to the full extent I of any potential claims. I Mr Dominic Thompson, chairman of the I North-West board of RICS, said: “With the recent extremes in the weather and bank balances generally depleted it is essential that businesses make sure they are adequately protected. “Before signing for commercial property


I a building survey will provide a report on the I condition of a building, both internally and ex­ ternally, identifying any urgent repair require­ ments or future concerns.” ■ With business in the region starting to pick


up, firms are looking to grow again and new businesses are looking to start up. RICS is highlighting the importance of both a building survey and the correct insurance when taking


up new commercial premises in order to man­ age budgets efficiently and keep future costs down. Leases usually require tenants to keep


premises in good order. By law this means that if the premises are in disrepair, substantially or hardly at all, the tenant must put them into repair which can impose a large liability and- burden on a new tenant. Mr Thompson added: “In my opinion it is


very important that anyone taking on a build­ ing to expand their business consults a surveyor to advise upon the condition, the likely cost of any repairs and the repairing clauses in the proposed lease, if necessary drawing up a Schedule of Condition. “While a survey might act as evidence


further down the line should a landlord tiy to • make a firm pay for work that they don’t think is justified, a chartered surveyor will assist in preparing a formal record or schedule of the building’s condition to protect the tenant. “When commissioning a building survey, RICS says North-West businesses are well ad­


vised to use an RICS member well experienced in such matters and must tell their surveyor the purposes of the survey and its scope. He or she will not report in detail on the likes of the premises’ heating and electrical equipment or the underground drains unless asked to do so. Therefore, if these items need to be covered, the surveyor must be clearly instructed and they will then arrange to bring in the appropri­ ate experts.” Mr Thompson said that businessmen should


review thoroughly their insurance when tak­ ing on new premises. This should include the - building replacement value, taking care to ensure that the sum insured suffices to avoid under-insurance and the application of the average clause. It should also include business loses since buildings insurance does not usually cover disruption to a company’s contents or stock, so this often needs to be insured sepa­ rately. If firms occupy only part of a building, it is normal practice for the landlord to arrange insurance for the building as a whole and then charge tenants a proportion of the cost.


R I C S / i(£ij


Buy-to-let mortgage market is on the up


• www.clithcroeadvertlser.co.uk


Clitheroo 422324 (Editorial), 01282 426161 (Advertising), Burnley 01282 422331 (Ciassifled) Property Wanted


Property Auctions JOHNPALLISTER


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+ v.clitheroeadvertiser.co.uk Clitheroe Advertiser ATImes,Thursday, February 17,2011 propertytoday


f cbidihg to an independent liesearW^ tireportj commissioned by ttie Royal Insiu^li fji tute of Chartered Suryeyors'(RIGS)j into >


‘ around 80,OOO'new homes below t h e i J i level required tomeet population grov^':;| I and tackle affordability'ahd under-sup- I ply issues.


: the futurc'ofUKhousebuildiiag.'- .Currently, cqnstructioii rates arc


fr’lf


. I'The research highlights a’scrie's.bf.'.' ? > !' Jow-cost housing solutions which could :


i chard Ogden, chairinan of Build Offsite. ; Dr Goodier said: “The need for more^ ™ r new homes in the UK has never been, i ' more critical than it is today. However, at :


; concern. While there is no quick fix to u? the problem, it is important that the


; current construction levels, an an nua l' deficit of around 80,000 is a pressing £ J


to lend against the'se'rtructuresYwhich'l’?! f: has-been a probicihin the pas^‘meaning


l:imortgage providers are ah-eadywUling^s i


gjRICS.North^added: .^New housing is al. gcritical issue fontheNohh-Wes^ wet |hbpcth’a't by h'oldingsuch'a High'pjrofil^ I'launch in Mahcherterwee'wbi^^ ffe*sh|


M i


’ to maintain. More innovative^ mbdernts:i| ' off-site and modular designs are not ;s :H^i? f, only extremeIy;cost-:'effectivc,'but cun bet:§ constructed with'ease in a very short pe- i|i ^riod of time('Furthcnnorcj many majoy%^:


I associated with expensive, time-con-- ^ suming methods and can mean t h a t : ^ environmental stan^rds are difficult' '


. .Government and industry consider more » ' iinnovativc solutions to development.^ ; Without them, problems such as over- • crowding, undersupply and unaffordable' i ' housing seem set to continue., “UK housebuilding has long been


, to evolve as the needs of the occupiers v ft change. The report was officiaUy being ;. ^ launched at Manchester Central with a' ' h presentation by its prima^' author Dr • S ; ; i Chris Goodier,'of Loughborough Uni- j versity. Other speakers were chartered: • surveyor Nick Johnson, deputy chief ' f executive of Manchesterf-based regener-' v ation specialists Urban Splash, and Ri-


• be constructed quickly and cheaplywith : • • less impact on the environment. Many oL r : the designs can be easily segmented and v I extended, eliminating the need for costly renovation work, and enabling them


1 fion methods, recycled materials and -i innovative structural design, homes can-H


I significantly case national shortages and : ensure that affordable housing is more i ‘ i rcadily available to both local authori- ^ • ties and first-time buyers. By making use of off-site construe- -


^TOADITIONAL building hiethodis ihust^^ i\make room for more cost effectiye'and - l^^sustamable.desigiis if the.UK’s groinng4:;% housing crisis is to be alienated,^ ac-^-'-3


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