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Your Move Property Blog

Thoughts, Opinions & Analysis of the UK Property Market

Here are a few reasons why we are trusted by 31,000 Landlords

October 29, 2014 10:27 by YOUR MOVE

I am happy to recommend the services of all the staff at YOUR MOVE in Elgin, in particular Phyllis Cambell, Kerry and Gareth. They helped me through the daunting task of letting out my four flats in Elgin and although I wasn't completely organised, they were a calming and supportive influence and made it all look so easy. 

They also advised me in putting up my house for sale, whilst at the same time keeping an eye open for prospective tenants as I was undecided whether I wanted to sell or rent. In the end I chose to rent with tenants they found on my behalf. At the same time they are still quietly marketing my property for sale so I don't lose out if the tenants leave after six months.

I was supported by their very positive attitude and their willingness to go the extra mile by doing things such as chasing after a potential client who had walked away from a closed sign on their door as it was after hours, and who ended up being perfect tenants for my house. They also filled in forms that I was supposed to fill in and just let me check them before signing. Overall, they took care, respected my wishes, showed patience and put a lot of effort into helping me at a time that was very demanding and stressful for me.

I trust that other customers will have as good an experience as I did if they use their services.

Jane B

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Just felt the urge to say a few words about how impressed and grateful I am about being looked after so well by you and your team.

It has truly been a breath of fresh air, ever since having switched to YOUR MOVE some 3 months ago.

Although it’s still early days, the difference is like day and night!

I cannot believe the endless suffering and disappointment I had put up with, for the last 8 years, being with 2 different local and reputable agents in Exeter, both had a really good name but never delivered anywhere close to what I am experiencing now.

I could have saved myself a lot of nerves and money and time and effort.........I wish I had known about YOUR MOVE years ago!

It’s like having a five star hotel service now, compared to a previous one/two star level.

The entire team is very helpful at YOUR MOVE and really knowledgeable and always friendly and efficient, BUT you as the lettings manager for YOUR MOVE EXETER deserve a super special praise.

You are a real gem, from the first day I spoke to you over the phone to meeting you in person some weeks later, and being in touch via e mail almost every day, you have been consistently living up to the first impression I got from you.

Just super kind and knowledgeable and sunny and calming and soothing to my nerves and efficient above all.

You are truly dedicated to your job and don’t treat it just like a 9 - 5 job, you seem to treat it, as if it was your own business.. You are very knowledgeable and efficient but also very reassuring and calming when things don’t go as planned, and we had many of those in the last few months.

Because my last Agent closed down, his business affairs where all over the place and hence my 3 luxury town houses were badly affected by the lenient and often non-existent management approach.......... and so we had to overcome many obstacles in the last 3 months, from incorrect statements and contract inaccuracies and even double bookings on one house to payment issues and inventories missing and worst of all, no house inspections had been carried out which had left some of my houses in really bad shape.

All this was put in your lap all of a sudden...and I was certainly not the only landlord, who suddenly needed your attention and help and care and input.

I don’t know how you managed all of this, and where still smiling and doing everything under the sun to help us all out in times of extreme turmoil.

To top it all up, my houses are student lets, which is a bit trickier than normal lets, and they all had a change of tenants this Summer , so it was more than a busy time for my houses and hence for you.

You dealt with it all, in such an efficient and calm manner, I don’t know where your strength comes from. But also you are very accurate and don’t overlook even the smallest of details, very thorough and precise.

It is so reassuring to know that I am in safe and caring hands now and that you are supported by a great team...... but even a great support team can be useless, unless the person in charge of it all deals with any issues in a knowledgeable and speedy manner, which is what you do.

I used to write e mail after e mail to my old agents and only weeks!!! later I used to get a reply. Now I feel like my calls and e mails are being hear and replied to without fail, and if not instantly then either the next day or as so often, even after office hours.

So I am really over the moon and truly wish I had been told about YOUR MOVE and all its benefits, but above all, I am considering myself lucky to have you, Kim, as my lettings manager and I hope you will be there for me for years to come. You are a real gem and you have reinstated my faith, that there are good letting agents out there, if only one knows about them.

Many thanks for all you do for me and my 3 luxury town houses

Solveig B

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I am writing to thank you for your outstanding service with regard to finding me a tenant for my Alphington flat. I have also found your colleagues, Greg and Kim, very helpful and it is clear that you work well with them as part of a team. I have been especially impressed by the consistently cheerful, can do attitude of you and your colleagues; the speed and efficiency with which you found me a tenant and installed him; and the fact that you have gone above and beyond the usual contractual arrangements in providing a service to me.

I contacted Kim less than two weeks ago about marketing my flat and she assessed it immediately on her way into work. She then promptly arranged for various trades people to conduct necessary maintenance work. It was only a matter of days later that Greg contacted me to say that he had shown a person round who wanted to take it. The referencing was completed speedily and a move in date was set less than 2 weeks after I made the original call to Kim.

I appreciate Antonia's very professional and accommodating manner in relation to finding a contract that was right for both myself and the tenant. She also handled last minute hiccups very calmly, such as key handover and no electricity at my flat! I felt that nothing was too much to ask and I would certainly recommend Your Move Exeter Lettings to other people.

I hope to continue working with you in the future. I was very sceptical about using an agency as I have had many bad experiences in the past, although not with Your Move. You have changed my attitude towards letting agencies and I feel able to trust Your Move for further services.

Fiona D

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This feedback is to all those customers that feel a bit apprehensive and don't know what to expect from Your Move (Hitchin).

I was a first time buyer for an investment (buy to let) property and was in the market to let my property.  I was overwhelmed by the amount of lettings agents in my area, which made it harder to find a really good lettings agents that would look after me.  I had walked into a quite a lot of lettings agents until I came across Your Move (Hitchin).  When I initially met Lianne in the office to gather information about the services that Your Move provided, I found her to be very honest, personable and unique compared to the other consultants I had met at other agents.  I felt that I could trust Your Move to find me a really good tenant.

During the process of finding me a tenant Your Move were able to work around my busy work schedule and communicated to me every single detail in their search, which made me feel comfortable.  Whilst on viewing appointments I had met Peter from the Hitchin branch.  I found Peter to be very natural and professional at conducting viewings.  Peter and Lianne were able to accommodate my needs in terms of having viewings only when I (Landlord) was present and only to have viewings after 6pm.

I thought that I wasn't going to get many viewings due to the late times however on the contrary Lianne and Peter lined up a plethora of high quality potential tenants.  I also realised later that Lianne and Peter had both worked overtime due to my strict timing criteria, however both were very able to accommodate me and both were very professional even so late in the day.

I would also like to thank Rob for taking some fantastic pictures of my property, which helped the process massively.

Thanks to the hard work from Your Move (Hitchin) I have now got really good long term tenants in my property and am very happy with the outcome.  I thought the process of finding a tenant was going to be very hard and stressful however Your Move made this so easy for me.  I will definitely come back to Your Move (Hitchin) again and would recommend anyone that is looking for a great lettings agent, without a doubt!

Jugjeet M




October 2014 - First Time Buyer Tracker

October 24, 2014 15:39 by Your Move Press Office

First-time buyer sales climb 11% despite wider market slowdown

  • September sees 25,800 first-time buyer completions – up 11% compared to 23,200 a year ago
  • Average first-time buyer deposit falls 8% year-on-year to £26,134, despite purchase prices rising
  • Average first-time buyer deposit now represents 67.6% of annual first-time buyer income – down 12 percentage points year-on-year
 
      Overview

The number of first-time buyer house completions in the UK increased year-on-year in September, defying trends of a slowdown in the market, according to the latest First Time Buyer Tracker from Your Move.

There were 25,800 first-time buyer completions in September 2014, 11% more than 23,200 a year ago. New buyers are also paying more for their first home. The average first-time buyer purchase price rose 3% over the same period to £150,950, the fourth consecutive month in which average purchase prices have topped £150,000.

Despite purchase prices rising, the average first-time buyer deposit fell 8% year-on-year from £28,498 twelve months ago to £26,134 in September 2014 – as Help to Buy made higher LTV lending more accessible for borrowers.

Commentary

David Newnes, Director of estate agents Your Move, comments: “Help to Buy has helped keep the blood pumping in the first-time buyer market over the last year, allowing borrowers struggling to save for a deposit the financial life support they need to purchase property.

At the same time, MMR regulations have performed a health check on their finances, ensuring they will be able to withstand a future base rate rise. Lenders have increased the range of higher LTV options available to borrowers, allowing the average first-time buyer deposit to fall even as purchase prices increase.

“But the sands are shifting in the first-time buyer market. Loan-to-income caps announced in June have added further restrictions for lenders to factor in, on top of the tranche of regulations implemented in April. The effect is that lending is tied to wages much more tightly than in the past. Borrowers increasingly have to prove their financial resilience to access the higher LTV deals available. There is more lending, but at the same time it is more responsible and sustainable.

 Read the full index

 



Top 5 tips – fresh from the First Time Buyer Home Show!

October 24, 2014 08:18 by YOUR MOVE

Last Saturday (18th October)  was spent in the company of literally hundreds of First Time Buyers at the Business Design Centre in Islington.

They all had one thing in common – they were eager for advice and help in their search for that first step onto the property ladder.

We had a team of 8 advisers who were all in constant demand throughout the day (note to self – take more advisers to the next show to reduce the queues!) .

In between hosting and watching seminars and helping lots of people I was lucky enough to speak to the genuinely lovely Nicki Chapman (TV celebrity on shows such as Wanted Down Under and Escape to the Country)  and the property expert / analyst Kate Faulkner who is often a source of ideas and inspiration to me on educating consumers on what’s the right thing to do and how to save money!  

It occurred to me when we were packing up at the end of the day that as great as it was, for some it might be a case of information overload – this got me thinking about what were the 5 top tips from the day ?

 

1. Research your own credit file 

 

•Check to see what is on there and you CAN change it if it is wrong. 

•Avoid applying for credit in the weeks/months running  up to applying for your first mortgage

•Think very carefully (a bit sensitive this one!) about opening joint accounts - your partner’s credit history may not be as ‘clean’ as your own

•If you don’t have any credit this isn’t actually a good thing – lenders like to see how you manage debt. Using a credit card and clearing the balance every month is always a good idea

•The 3 main agencies are Experian , Equifax and Callcredit.  Noddle is a good place to start as it is genuinely free!

 

2. Get advice from a broker

 

•Check what you can afford to borrow before you start looking– it sounds obvious but lots of buyers don’t do this 

•Put yourself in a strong position if you are in competition for your dream home – sellers want to hear you have finance sorted out in principle

•Make sure they offer a wide choice of lenders in the market 

•Check that they are qualified (they should hold qualifications such as Certificate in Mortgage Advice and Practice (CeMAP) of Financial Planning Certificate (FPC)

•Look at their track record – have they been recognised for service and advice excellence? 

•Do NOT pay them any fees until you are ready to apply for your mortgage – the best brokers (like most professionals) will charge but not until you are ready to proceed

 

3. Research the market

 

•You may have your heart set on a particular location or even street but don’t discount other options

•Look at what has sold recently in the area – Zoopla is great for establishing what the property came onto the market for and when it came on (as well as showing any price reductions)

•Weigh up the cost of moving a little further away from your ideal area – commute costs/times vs the extra accommodation and space it might give you

•Look for areas where investment is being made in the infrastructure (eg new shops , transport links , large employers moving in) – this may help to increase the value over time of your first home

•Make sure you speak to the local estate agents – they can be a great source of information on the area and what is desirable and what isn’t (and why!)

 

4. There are schemes to help First Time Buyers

 

•Shared ownership (a combination of owning a share and renting the remaining share) can be a great way to get on the property ladder – check out SharetoBuy.com

•Help to Buy can help you with an interest free loan from the government on new properties for the first 5 years  and reduce your mortgage interest payments

•You can get help buying ‘older’ properties with the Help to Buy 2 scheme as well 

•Listening to Nicki Chapman interview 2 first time buyers was uplifting – don’t underestimate the sheer joy of owning your own home – their advice was ‘go for it’ 

•A good broker will be aware of all the options – use their experience to help decide what is the best route for you  

 

5. Be disciplined!

 

•Before you start looking for your first home fill in a budget planner (a good broker can help you with this) to help yourself understand your future outgoings

•Set yourself a maximum amount that you are comfortable paying each month and then stick to it. This will dictate what the maximum amount you should borrow. Not the other way round! 

•Consider fixing your payments for as long as possible to help budget for longer – interest rates are likely to rise in the near future so don’t get caught out 

•Make sure you leave yourself enough money left over to save each month – this will help you with maintenance or unexpected bills 

 

Hopefully this will help you on your way to owning your first home ! 

 

by Simon Cox,National Financial Services Director




10 Frighteningly good things to try this Halloween...

October 23, 2014 10:34 by YOUR MOVE

The spookiest time of year is back! Halloween falls on the 31st October every year and is a holiday celebrated in numerous countries worldwide, although it is thought to have originated in Ireland in around 4000bc.

Each year we spend a terrifying amount on costumes and other Halloween related goodies. There’s not long to go until Halloween this year and with half-term also coming up we thought you might enjoy these inspiring ideas to keep you entertained.

1. Carve a Pumpkin

Did you know that Jack-o’-lanterns weren’t always made from Pumpkins - originally people used to carve turnips. The Celts used to create Jack-o’lanterns as they thought they warned off the evil spirits. The term Jack-o‘lantern originated from an Irish myth about a man nicknamed Stingy Jack.

Be inspired and take a look at these scarily good pumpkins and have a go yourself! We would love to see your creations this year, why not post them to our Facebook page.

Take a look >

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2. Halloween Costumes

There are an endless number of costumes you can find for Halloween. Some are timeless classics that have been around for years and others come and go depending on current trends, films and news! The classics we see every year include; cats, witches, zombies, wizards, ghosts, werewolves, vampires, devils, skeletons, mummies and Frankenstein – the list goes on.

If you are feeling especially creative have a go at making one of these spooky costumes.

Take a look >

3. Cook up some Comfort Food

With Halloween comes the cold, autumnal weather. Get the oven on and whip up one of these hearty recipes with your left over pumpkin!

Take a look >

4. Things to Do

If you want to escape the trick or treaters on 31st October take a look what is going on in your local area. Our favourite ideas are to visit a spooky castle or haunted house, take part in a ghost walk,  go for a few Halloween inspired drinks (or make your own, find some ideas below) or if you really want to scream visit a theme park!

5. Watch a Scary Movie

If scary films are your cup of tea then make sure you get the popcorn in and watch one of these if you think you can!

We have put together our top 5 films for both adults and the little ones.

Top 5 for Adults

1. The Exorcist
2. The Texas Chainsaw Massacre
3. Scream
4. Halloween
5. Psycho

Top 5 for Children

1. Harry Potter
2. The nightmare before Christmas
3. Monsters inc
4. Casper the friendly ghost
5. Wallace and Gromit: Curse of the were-rabbit

Remember the trick or treaters will be about, so don’t spill your popcorn when the doorbell goes or there’s a knock at the door!

Click here to read the full article.




Thinking outside the box - what to do with your cardboard boxes

October 21, 2014 09:42 by YOUR MOVE

You have done it – you have unpacked and moved into your new home! The next question is what do you do with all the empty cardboard boxes you have been left with? Did you know that each year the UK alone produces 8 million tonnes of cardboard and research shows that the everyday house move uses on average a total of 60 cardboard boxes.  That is a lot of cardboard, which can be used for so many other things!   

For the Kids...

Children love to make a mess and get creative and with half term fast approaching these ideas will keep them out of trouble. There are lots of fun and exciting things they can create from a simple cardboard box. Just one or two cardboard boxes can be transformed into an adrenalin pumping stair slide, a costume (especially useful with Halloween coming up!), a car or train track or even some cardboard box kitchen appliances such as a mini-oven – the list goes on.

Top 5 for Kids...

- Stair slide
- Fancy dress costumes
- Puppet show theatre
- Giant dice
- Car/train playmat

Practical Uses...

Maybe you fancy doing something a little more practical with your left over boxes? Just a bit of scrap fabric can transform a cardboard box into a lovely storage box - we particularly liked these personalised ones with wooden letters. Another idea is to cut up your boxes and use them to make some unique and individual ‘we have moved’ cards. For all you avid gardeners, cardboard boxes can come in extremely useful during the winter months in protecting your plants and grass from frost and make excellent plant pots!

Top 5 Practical Uses…

- 'We have moved' cards
- Storage boxes
- Photo frames
- Pet beds/scratching posts
- Grass frost protection

Take a look at our Pinterest board for even more helpful ideas and let us know what you did with your boxes. 




YOUR MOVE Blog

YOUR MOVE is a multi-award winning estate and letting agent with branches across England and Scotland

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