Inhouse Oct/Nov 2005 Edition

produced by Lawlors Property Services

Woodside Road, Woodford Green, p7

02 inhouse october/november 05

produced by: Lawlors Property Services

inhouseDear Reader

Welcome to Lawlors Property Services latest edition of inhouse

magazine. This is the only local magazine dedicated exclusively to

property matters distributed direct to your door every month.

Inhouse magazine offers some of the areas finest properties in the

Loughton, Buckhurst Hill, Woodford Green Chigwell and

surrounding areas, together with a wealth of expert advice from

some of the areas leading businesses.

As part of our unique marketing strategy we ensure that every

applicant who is currently registered with the Lawlors network of

offices receive a copy of Inhouse.

We also distribute our magazine directly through the door of

approximately 20,000 homes locally including privileged

distribution through Repton Park. This market service is unique to

Lawlors Property Services and is guaranteed to ensure that your

property reaches the widest market.

Despite varying report to the contrary the market is extremely

active and our skilled team of negotiators still require further

properties to sell. If you are considering selling now or in the near

future call any of our offices to ensure immediate attention and

allow us the opportunity to explain what we can do for you and

your property sale or

purchase.

Sandra & JamesLawlor F.N.A.E.A

contents2 Introduction

3 Contributors and News

4/5 Loughton

6 Savills

7 Feature - Woodside Road

8/9 Woodford Green

11 Feature - Kendall Avenue

12/13 Chigwell

14 Vantis

17 Feature - Orchard End

18/19 Repton Park

22-23 Lettings

inhouse

James LawlorSandra Lawlor

dedicated to property

STAFF FEATURED: WOODFORD OFFICE

�

Finish on a high . . .

Finishing the year on a high is definitely what current clients of

Lawlors Property Services are doing. With possibly the most

turbulent twelve months in the property market since the early

1990’s stability is back again. With a noticeable increased growth

month on month, in areas such as new applicants and viewings

across the Lawlors network we believe there has not been a better

time to sell your home over the last year than now.

There are several reasons the market adjusted but never crashed as

some analysts thought. The Times reported on September 22nd

2005, ‘Britain needs a million new homes’. Housing experts claim

that house-building needs to increase by 33 per cent from the

current 154,000 a year to 220,000 a year to meet the rising demand.

Simple economics work on supply and demand if we do not have

enough homes, prices can only go in one stable direction.

The predicted explosion in household prices was due mainly to the

general change with lifestyle in society. More people remaining

single for longer, rising divorce rates and people generally living

longer independently.

At Lawlors Property Services we aim to deliver frontline knowledge

on the housing market, combined with a deserved reputation for

success and professionalism second to none. To discuss any of your

property needs please contact one of our local branches.

newsLawlors Property Services

PROPERTY SERVICES

professionalcontributors

A special thanks to all those who have

contributed and supported this month’s

inhouse magazine. These include

developers Ruskin Homes featuring

Roebuck Heights at Buckhurst Hill. Our

regular contributors Vantis accountants

business and tax advisers offering

specialist insight into self invested

pension plans. Bang & Olafson

(Loughton) market leaders in quality

sound and vision equipment for your

home. Islington based architects BB

Partnership offering imaginative and

creative architectural services of the

highest standard and especially our

selection of vendors whose superb and

unique houses in our area featuring

Woodside Road, Woodford Green,

Orchard End, Ongar and Kendall

Avenue, Epping.

Please forward your comments,

thoughts and suggestions on inhouse

magazine for future editions to:

[email protected].

Many Thanks.

LAWLORS


Residential Homes

t: 020 8502 5588

PENTHOUSE, FOREST HEIGHTS £725,000Offered to the market this beautifully presented three bedroom penthouseapartment on the ever popular Forest Heights. The property has beenmaintained to an extremely high standard and an internal viewing isrecommended. Property benefits include separate w.c, , lounge, dining room,kitchen, master bedroom, en suite bathroom, two further bedrooms, familybathroom, wrap around balcony, two underground allocated parking spaces,electric gates, porterage and communal grounds

BROOKLYN AVENUE, LOUGHTON £449,000An opportunity to purchase this three bedroom detached property withattached one bedroom annexe. Situated within this sought after location andwithin easy access of the shopping facilities of the High Road and the Centralline with its access to the City and the West End. The property offers flexibleaccommodation as the annexe could be amalgamated into the mainresidence. Property benefits include: kitchen, lounge, dining room, threebedrooms, family bathroom, rear garden and off street parking.

HARFIELD HOUSE, BUCKHURST HILL £199,995Offering to the market this two bedroom top floor flat which is offeredwith no onward chain. The property benefits from being convenientlylocated for Queens Road shopping facilities in addition to Buckhurst Hillcentral line. Property benefits include two bedrooms, lounge, kitchen,family bathroom and garage en-bloc

CHURCH LANE, LOUGHTON £699,000Offered to the market for only the second time in its history is this fourbedroom detached residence which is situated in a prime position onChurch Lane. Property benefits include dining room, family room,lounge, downstairs shower room, kitchen, utility room, master bedroom,en suite bathroom, bedroom two, bedroom three, bedroom four, familybathroom, rear garden 50'0 x 30'0 approximately, swimming pool, offstreet parking and two garages.

GRASSMERE CLOSE, LOUGHTON £580,000Located in a cul de sac off St Johns Road is this four bedroom detachedhouse with double integral garage. With accommodation including alounge / diner, fitted kitchen with separate utility room and groundf loor cloakroom, master bedroom with ensuite shower room plusthree further bedrooms and a family bathroom this property offersideal living accommodation for a family. Do not hesitate to view thisproperty at the earliest opportunity.

AVENUE GATE, GT WOODCOTE PARK £349,500Lawlors are pleased to offer this well presented three bedroom terraceproperty situated within Loughtons prestigious gated developmentGreat Woodcote Park, landscaped communal grounds, ponds andporters lodge. The property has been well maintained with a good sizeconservatory facing the garden. Viewing is strongly recommended.Property benefits include kitchen breakfast room, separate W.C, lounge,conservatory, 3 bedrooms, en-suite bathroom and detached garage.

PROPERTY SERVICES

LAWLORS

WOODSIDE HOUSE,THEYDON MOUNT

£1,450,000A rare opportunity has arisen topurchase this highly desirablecountry home, located in TheydonMount. Set within approximately6.5 acres the property ispredominantly set across theground f loor offering a selection ofreceptions, bedrooms and twokitchens, with further bedroomsand bathrooms on the 1st f loor. Tofully appreciate the seven bedroomproperty and location that is offeredan inspection is highlyrecommended.

AVENUE GATE, GREATWOODCOTE PARK

£729,995Offered to the market is this spacious,"executive design", four bedroomdetached property situated on theexquisite Great Woodcote Park andbenefiting from modern features suchas integrated speakers in many roomswith individual control panels.Property benefits include, downstairsW.C, dining room 15'2 into bay x 11'3,lounge 20'1 x 11'3, kitchen 15'11 x12'7, TV room 7'10 x 6'9, masterbedroom 16'0 x 13'6, en suitebathroom, bedroom two 12'1 x 10'2,en suite shower room, bedroom three16'0 x 11'0, bedroom four 13'6 intodormer x 9'1, family bathroom,exterior 30'0 x 40'0 approximately, offstreet parking for two vehicles anddouble integral garage.

october/november 05 inhouse 05

Loughton, Chigwell and Woodford

www.lawlors.co.uk

TRAPS HILL, LOUGHTON £575,000We are pleased to offer this four bedroom detached family residencesituated in this sought after residential road in Loughton. Propertybenefits include kitchen/breakfast room, utility room, cloakroom,sitting room/dining room, family bathroom, additional shower room,master bedroom with en-suite shower room, three further bedrooms,integral garage, off street parking and rear garden.

BROOKLYN AVENUE, LOUGHTON £425,000Offered to the market is this three bedroom detached property set witheasy access to Loughton's shopping and transport facilities. An earlyviewing is recommended to appreciate the size and standard of decor.Property benefits include dining room 15'6 into bay x 12'5, lounge 18'3x 11'1, kitchen 14'1 x 7'5, master bedroom 15'6 x 12'0, bedroom two13'0 x 10'11, bedroom three 8'10 x 6'9, family bathroom, separate W.C,rear garden approximately 100ft, off street parking and detached garage.

PETERSON COURT, LOUGHTON £180,000Offered to the market is this well maintained, two bedroom, first floorapartment. The property has been meticulously re-modernized andnow has the benefits of a fitted kitchen and gas central heating. To locatethe property proceed from our Loughton office in the direction ofEpping, proceed straight over at the mini roundabout and take a left intoLower Road. Peterson Court can be found on the left hand side. Propertybenefits include: kitchen, lounge, two bedrooms and bathroom.

WESTBURY ROAD, BUCKHURST HILL £460,000Lawlors Property Services are delighted to offer for sale this fourbedroom detached residence situated within easy access toBuckhurst Hills trendy boutiques, eateries and central line station.The property is truly for those of us who like to entertain, with anopen plan ground f loor and games room to the lower level. To fullyappreciate the accommodation on offer we would stronglyrecommend an internal inspection.

HILLCREST ROAD, LOUGHTON £750,000We are pleased to offer this outstanding four bedroom detached residence situated in the

popular "Hillcrest Road". The property has been maintained to the highest of standards

and boasts many fine features and good sized rooms. To fully appreciate this property an

internal viewing is highly recommended. Property benefits include lounge, dining room,

ground floor cloakroom, kitchen, breakfast room, utility room, master bedroom, en suite

shower room, three other bedrooms, family bathroom, rear garden, double length garage

and off street parking for numerous vehicles.

THE SUMMIT, LOUGHTON £460,000Offered with no onward chain is this delightful four bedroom detached property, setwithin close proximity to both Epping Forest and Loughtons High Road this is aproperty not to be missed. The property can then be found on the left hand side.Property benefits include downstairs W.C, lounge 16'2 into the bay x 12'7, dining room12'7 x 9'2, kitchen 12'2 x 9'8 > 8'8, master bedroom 12'7 excluding wardrobes x 9'6,en suite bathroom, bedroom two 12'8 x 10'6, bedroom three 12'1 x 9'10, bedroomfour 8'10 x 7'5 family bathroom, exterior, double integral garage and off street parking.

LOUGHTON OFFICE165 High Road, Loughton, Essex, IG10 4LF

t: 020 8502 5588 f: 020 8502 5802e: [email protected]

Our offices are closed on Sundays but to arrange viewings,you can call the following number: 07736 234422 between 10am-2pm

all properties featured areexclusive to Lawlors

THE DRIVE,BUCKHURST HILL £725,000Offered to the market is this five bedroomdouble fronted detached house boastingimmense character. Occupying a superblocation this property offers manycharacter features including severalreception rooms a galleried landing and arear garden in excess of 75 feet. Thisproperty must be viewed internally to befully appreciated. Property benefitsinclude entrance hallway, lounge 24'6 x12'10, dining room 10 x 11'4, kitchen711 x 9'9, family room 12'7 x 14'7, gallerylanding, master bedroom 15'1 x 13'2,bedroom two 11'9 x 14'9, bedroom three13'1 x 8'8, bedroom four 11'5 x 8'3,bedroom five 11'11 x 6'6, bathroom,separate w.c, rear garden in excess of 75'and attached single garage. Open day onthe 4th October between 10am-1pm,please contact our office on 020 85025588 to book an appointment.

RICHMOND PARK, GREATWOODCOTE PARK

£1.250,000Offered to the market is this five,double bedroom, property set onthe prestigious Great WoodcotePark estate. This well maintainedproperty offers spacious livingaccommodation, Porterage andcommunal grounds. Propertybenfits include, TV Room, study,lounge, dining room, kitchen, utilityroom, separate W.C, masterbedroom, master en suite, bedroomtwo, en suite bathroom, bedroomthree, bedroom four, bedroom five,family bathroom, exterior, off streetparking and double integral garage.


1 - Use an independent mortgage broker

Finding the right mortgage involves lots of work as

there are so many different deals available from

scores of lenders. Finding the most competitive deal

is a time-consuming task unless you use a

mortgage broker.

Not just any broker will do. Always use an

independent broker, such as Savills Private Finance

(SPF), with access to all the mortgages on the

market. The likelihood is that those restricted to a

panel of lenders will not be able to find the best deal.

A good broker will be able to talk through what

sort of loan suits your circumstances and help you

choose the best deal. SPF also offers exclusive rates

and products, saving you even more money.

2 - Figure out what type of mortgageyou need

There is no single best mortgage deal - the right

one for you will be the one that best suits your

circumstances.

If you need the certainty of guaranteed monthly

repayments because you are on a tight budget, you

need a fixed-rate mortgage. These also suit those

who believe interest rates are going to rise because

they protect you from such fluctuations.

Borrowers typically fix for two, three or five years

although shorter and much longer fixes are

available. The shorter the fix, the better the rate,

with two-year fixes starting from 4.15 per cent;

three-year fixes from 4.24 per cent; and five-year

fixes from 4.39 per cent.

Make sure you don’t fix for longer than you are

comfortable with i.e. a ten-year fix if there is a

chance you will want to move next year, for example.

Fixed-rate mortgages can have hefty early repayment

penalties so stick with a period that you are happy

with. And remember, the downside with fixed rates

is that if interest rates fall, you won’t benefit.

3 - Consider a tracker

Borrowers who don’t need the certainty of fixed

monthly repayments and who can afford to be

wrong – i.e. if rates move up rather than down they

can still afford their mortgage – may find a tracker

mortgage to be more suitable. This tracks the base

rate so any cut made by the Bank of England is

passed onto borrowers in full soon afterwards. So if

rates move downwards over the next few months,

these borrowers will benefit from lower monthly

repayments.

Tracker rates start from 0.11 per cent under base

for two years, giving a current pay rate of 4.39 per

cent. They tend to be better value in the long run

than discounted mortgages, even if the latter are

cheaper at least initially (starting from 4.24 per

cent).

This is because a discounted rate is a few

percentage points below the lender’s SVR rather

than the base rate, so while lenders are obliged to

pass on a cut in the base rate in full to customers

with base-rate trackers, they aren’t obliged to

adjust their SVR accordingly. Thus a borrower on a

discounted rate may miss out on the full scale of

any rate cut.

4 - Think about fees

While the rate of interest on a mortgage is

undeniably important, so too are the fees. These

have been rising in recent months and are

consequently far higher than in the past.

Arrangement fees are typically around £300 to

£400, although they can be as high as £600. Most

lenders will let you add this onto the mortgage so

you don’t have to pay upfront.

As a general rule, if you are taking out a fairly small

mortgage you should opt for a smaller fee and

higher rate, whereas if you want a bigger loan, a

higher fee and lower rate are more cost-effective.

5 - Avoid a higher lending charge

Some lenders impose a higher lending charge (HLC)

if you have no deposit or a very small one. This is a

percentage of the loan and can be as much as a

few thousand pounds. It is used to purchase an

insurance policy protecting the lender against the

borrower defaulting on their mortgage: if the

property has to be repossessed and sold, it ensures

the lender doesn’t lose any money.

Many lenders don’t impose a HLC so it’s worth

shopping around for one that doesn’t.

6 - Beware marketing gimmicks

A free car, iPod or £250 cash are all various

incentives offered by lenders recently to encourage

borrowers to take out a mortgage with them. But

before being dazzled by the freebies it is important

to work out the true cost: often the mortgage will

have a higher rate of interest than the best deals on

the market and a sizeable arrangement fee. Try to

be guided by the interest rate and fees rather than

gimmicks.

7 - Consider protection

If you have dependants you must consider what

will happen to them if anything happens to you. It

is worth taking out life cover if you haven’t already

got it to ensure your mortgage is paid off if you die.

If you are remortgaging you may want to review

existing cover to ensure it will pay out enough.

Other forms of cover are also available should you

lose your job or fall sick so you can no longer work:

consult your mortgage broker for more

information.

For more information on a new mortgage or

remortgaging, please contact Wendy Docherty at

Savills Private Finance on 0207 715 4183 or email

[email protected]

Autumn is a good time to buy a new home. With summer holidays out of the way

and the Christmas festivities still some way off, it can be the perfect opportunity to

consider upping sticks and moving to a new property.

However, getting the financing right is crucial. Despite a reduction in interest rates to 4.5 per

cent in August, this came on the back of four increases in 2004 so affordability is likely to be

more of an issue than in the past.

There are plenty of excellent deals out there but picking the best one can be daunting. Below,

I run through the golden rules you should follow to help you get the right mortgage.

By Wendy Docherty, consultant

SAVILLS PRIVATE FINANCE


£1.295m

Please contact

our Woodford

office on

020 8506 0828.

…is exactly what this grand residence on Woodside

Road, Woodford Green offers and plenty of it. The

six bedroom much improved and extended family

home dates back to the Victorian times and offers

amazing accommodation. The ground floor includes

a 22’ entrance hall, 21’ family reception, three

further receptions, a 27’ kitchen/breakfast room, two

utility rooms, ground floor cloakroom, double garage

and parking for at least five/six vehicles.

As well as the exceptional ground floor

accommodation, the first floor boasts six bedrooms

and three bathrooms and would lend itself well to

further extending, if required, to the loft areas,

subject to usual planning consents. To the rear of the

property is a fabulous West facing garden with a

stunning Willow tree feature to one corner, shielding

a large children’s play area. The garden also leads

directly into Epping Forest and onto Woodford Golf

course with incredible views and fantastic walkways.

This unique house is perfect for entertaining whether

it be an intimate dinner party in one of the three

receptions or large scale events using the whole

house and garden.

For any further information regarding this home

please contact the Lawlors Property Services

Woodford Green 020 8506 0828.

Living... room

Woodside Road - Elite Home

Living... room


Residential Homes

t: 020 8506 0828

LAWLORSPROPERTY SERVICES

BERESFORD DRIVE, WOODFORD GREEN £645,000An opportunity has arisen to purchase this stunning four bedroom detachedresidence situated in one of Woodford Greens most favourable locations. Havingbeen meticulously maintained by the current owners and offering two receptionrooms including a 35ft sitting room, fitted kitchen/breakfast room, separateutility room. Benefits include: Sitting room, family Room, cloakroom/W.C,breakfast area, kitchen, two bedrooms with En-Suites, two further bedrooms,family Bathroom, rear garden, detached garage, off Street Parking.

LILIAN GARDENS, WOODFORD GREEN £385,000Offered to the market is this delightful Four Bedroom end of terrace property situated in thispleasant cul-de-sac location just off St.Barnabas Road Woodford Green and offering a generoussitting room/dining room with the added advantage of a further spacious T.V/family room withviews over a 80ft South Facing rear garden. Benefiting from three double bedrooms, singleattached garage, off street parking. We also understand from the owners that the property issituated in the ever popular "Churchfields" catchment. Property benefits include: Sitting Room,T.V/family room, kitchen/breakfast room, south facing rear garden 82ft x 35ft, off street parking.

OAKLAND PLACE, BUCKHURST HILL £495,000An opportunity to purchase this executive four bedroom detached property situatedin a quite cul-de-sac in this sought after residential development and builtapproximately nine years ago. The property offers a spacious sitting room withseparate dining room and a generous kitchen/breakfast room with views over the reargarden and mature trees. Property benefits include: Sitting room, dining Room,kitchen breakfast room, cloakroom/W.C, master bedroom with En-Suite showerroom, three further bedrooms rear garden 56ft x 36f, single garage. Chain free.

NEWLANDS ROAD, WOODFORD GREEN £400,000 Offered to the market is this potential building plot which iscurrently occupied by a two bedroom detached bungalow. Thecurrent vendors have commissioned plans to convert the existingproperty into a two storey, three reception room, four bedroomand four bathroom residence, which has been approved by thelocal planning department. Plans are available for viewing at ourWoodford Green office.

HIGH ROAD, BUCKHURST HILL £250,000Lawlors Property Services are pleased to offer onto the market this three bed terraced

property situated on High Road Buckhurst hill which benefits from being within easy

access to Queens Road shopping facilities and Buckhurst Hill central line station .The

property is in need of slight modernisation but would make a fantastic proposition for

anyone looking to make there own mark on a property and has the added benefit of

being offered chain free. Lounge, kitchen/dining room, cloakroom, master Bedroom,

two further bedrooms, family bathroom, rear garden 15'7 x 11'10, garage.

WOODLAND WAY, WOODFORD GREEN £725,000Offered to the market is this fabulous four bedroom detachedresidence situated in the sought after location of Woodland Way. Theproperty benefits from many fine features including two receptionrooms, newly fitted high quality kitchen, south westerly facing reargarden, integral garage and an abundance of off street parking. To fullyappreciate the accommodation on offer we would stronglyrecommend an internal inspection.

THE DELL, WOODFORDGREEN £985,000 Lawlors Property Services aredelighted to exclusively offer forsale this commanding five bedroomdetached family residence situatedon the prestigious location of TheDell. The property is situated alongthis sought after tree linedresidential turning, on the everpopular Knightons Estate andproperty benefits include largeentrance hall, five reception roomsand five bedrooms three of whichhave en suite facilities making this atruly family orientated property.

HILLINGTON GARDENS,WOODFORD GREEN

£719,995This fabulous six /seven bedroom

residence which has been completely

refurbished to the highest standard. The

property retains its original character but

internally offers a highly luxurious and

quality finish. Master bedroom offers

dressing room and en suite, five further

bedrooms and family bathroom.



www.lawlors.co.uk

WOODFORD OFFICE457 High Road, Woodford Green, Essex, IG8 0XE



FARM WAY, WOODFORD GREEN £525,000Lawlors Property Services are pleased to offer to the market this five bedroom semi-

detached residence situated on Farm Way within easy access to Roding Valley central line

station and local shopping facilities. The property benefits from two good sized reception

rooms fitted kitchen with Amtico flooring and morning room. To fully appreciate what

this property has to offer viewing is a must. Entrance hall, dining room lounge, kitchen,

morning room, master bedroom with En-Suite bathroom, five further bedrooms, family

bathroom, rear garden 85ft x 21ft, garage /utility room, off street parking.

MONKHAMS LANE, WOODFORD GREEN £499,995Lawlors Property Services are delighted to offer onto the marketthis Edwardian three bedroom semi detached residence situatedon the prestigious Monkhams Estate. The property benefits fromoff-street parking two reception rooms and many originalfeatures including period fire places and picture rails to name buta few. To fully appreciate the property and what it has to offerviewing is a must.

MALVERN DRIVE, WOODFORD GREEN £725,000 Lawlors Property Services are delighted to offer as the vendors sole agentsthis very desirable four bedroom detached residence situated in the soughtafter location of Malvern Drive. Property benefits include three receptionrooms including a 36ft lounge/diner, the first floor offers a newly fitted ensuite shower room to the master bedroom and a further newly fitted familybathroom. To fully appreciate the size of accommodation on offer we wouldstrong recommend an internal inspection at your earliest convenience.

MONTALT ROAD, WOODFORD GREEN £480,000 Offered to the market is this beautiful four bedroom semi-detachedfamily residence, situated in this peaceful turning in Woodford Green.The property has been exceptionally maintained by the current vendorsand offers solid oak wood panelling to the hallway and a hand made solidoak kitchen, there are two bedrooms both with en-suite facilities and aluxury family bathroom, making this a truly family orientated property.To fully appreciate the size and condition of this property we wouldstrongly recommend an internal inspection.

THE HAWTHORNS, WOODFORD GREEN £295,000Lawlors property services are delighted to offer for sale as the vendors soleagents this immaculately presented two bedroom (originally threebedroom) town house situated in the ever popular turning of TheHawthorns. This truly is a property not to be missed, and should be viewedat your earliest convenience. Property benefits include: cloakroom,bedroom three/garden room, lounge, dining room, fitted kitchen, familybathroom, separate WC, rear garden, integral garage and off street parking.

FOREST APPROACH, WOODFORD GREEN £425,000 Offered to the market is this fabulous five bedroom family residencesituated on the ever popular Laings estate. The property benefits fromtwo reception rooms, kitchen with morning room and five wellproportioned bedrooms to the first floor. Additional benefits include offstreet parking, integral garage and a well maintained rear garden. To fullyappreciate the accommodation on offer we would strongly recommendan internal inspection.

WOODSIDE ROAD,WOODFORD GREEN

£775,000This spacious four bedroom semi-detached home. The property hasbeen refurbished throughout to anextremely high standard and offersthree reception rooms one of thembeing a fantastic "orangery" withspectacular views over a 180ft reargarden, a generous kitchen/breakfastroom.

THE GLADE, WOODFORDGREEN £720,000Charming Four Bedroom ThatchedResidence occupying a corner positionon the ever popular Knighton Estate.This particular detached property hasrecently undergone an extensiverefurbishment programme whosebenefits include a stunning fullyequipped kitchen / diner, off streetparking, en suite bathroom,downstairs cloakroom and a largesecure garden. Property benefitsinclude: Lounge, Kitchen / Diner,Dining Room, Cloakroom, MasterBedroom, En-suite BathroomBedroom, three further bedrooms,Rear Garden 116ft x 50ft, Off StreetParking.



£1.325m

Please contact

our Loughton

office on

020 8502 5588.

Let the pictures,do the

talking...

This stunning 5 bedroom detached family home with

study boasts a wealth of features. Being located in

the Epping area and ideal for the local shopping

facilities and Central line, with links to the City, West

End and new Olympic Village.

The ground floor accommodation offers a 27’ fitted

kitchen, three further receptions and cloakroom. First

floor accommodation offers four bedrooms, two en-

suites and family bathroom. The second floor

accommodation offers bedroom with en suite and

18’ study or bedroom 6.

Further benefits include a stunning landscaped

garden with a fabulous heated swimming pool,

games room and is offered chain free.

For any further information or to arrange a viewing

please do not hesitate to contact Lawlors Property

Services Loughton 020 8502 5588

Kendall Avenue - Elite Home


Residential Homes

t: 020 8281 0123


BRACKEN DRIVE, CHIGWELL £697,500Four bedroom detached chalet-bungalow boasting a generous28'3 x 15'11 lounge and must be viewed to fully appreciate theaccommodation on offer. Dining room, sitting room,kitchen/breakfast room, master bedroom with en suite showerroom, family bathroom, second bathroom, single garage, carriagedriveway & off street parking.

BRACKEN DRIVE, CHIGWELL £525,000Four Bedroom Chalet-style Bungalow, benefiting open plan livingdownstairs, with a large reception room measuring 35', separated intolounge, dining area and study. The property also benefits from a carriagedriveway and en-suite to the master bedroom. Lounge/study,kitchen/breakfast area, dining area, master bedroom with en-suite, familybathroom, second bathroom, single garage & off-street parking.

HAINAULT ROAD, CHIGWELL £649,995Four Bedroom Detached family home overlooking Chigwell withwooden parquet flooring on the ground floor, carriage driveway tothe front and over a 70ft rear garden. Lounge, dining room, kitchen,lobby area, utility area, cloakroom/WC, TV room/dressingroom/possible bedroom five, shower room, family bathroom,single garage & off-street parking.

HIGH ELMS, CHIGWELL £439,995Boasting stunning panoramic views of Chigwell and thesurrounding areas, this property offers four bedrooms - three ofwhich are doubles, kitchen, dining room, cloakroom/WC,garage/store room, lounge, family bathroom, second bathroom& off-street parking.

GROVE LANE, CHIGWELL £399,000Beautifully presented and very refined Three Bedroom End-of-Terrace Cottage in a tranquil location having been decorated to avery high standard throughout boasting lounge, kitchen,conservatory/breakfast room, cloakroom/WC, utility room,master bedroom with en-suite shower room, family bathroom.

VICARAGE LANE, CHIGWELL £334,995Three Bedroom extended Semi-Detached period cottageoffering good sized accommodation and character throughoutand, in our opinion, the property is offered in excellent condition.Lounge, kitchen, dining room, family bathroom, off streetparking & picturesque views over Essex countryside.

BILLINGSBOURNE BARN,CHIGWELL £1,599,500Surrounded with rolling views of theEssex countryside, lies thisawardwinning Barn Conversion.Timber beamwork, Inglenookfireplaces and yellow stockbrickwork. Garaging for approx sixvehicles, Master bedroom with en-suite and approximately SevenAcres.

HAINAULT ROAD,CHIGWELL £619,995

This Four Bedroom semidetached period property, whichwas built in the 1890's, hasbeautiful charm and character.With its clean cut modern finish,an internal viewing isunquestionable. Boasting theadded benefit of a Summer House,currently being used as an office.



www.lawlors.co.uk

CHIGWELL OFFICE116 High Road, Chigwell, Essex, IG7 5BJ




LECHMERE AVENUE, CHIGWELL £569,995Having undergone a massive extending and refurbishmentprogramme offered for sale is this Five Bedroom Detached familyhome. The property boasts a wealth of features including a 38' groundfloor open plan reception, further 15'8 reception, ground floor showerroom and 22' newly fitted kitchen. Added benefits include off-streetparking for approx three vehicles and the property is offered chain free.

MARTHAM CLOSE, OAKWOOD GATE £425,000Located on the ever popular Oakwood Gate, part of the Repton ParkDevelopment, Four Bedroom Detached home offering good sizedaccommodation and, in our opinion, has been well maintained bythe current owners. Viewing is highly recommend. Lounge, diningroom, cloakroom/WC, kitchen, master bedroom with en-suiteshower room, family bathroom, single garage & off-street parking.

TUDOR CLOSE, CHIGWELL £749,995Five Bedroom Detached family residence situated in a cul-de-sac inTudor Close. This individual property is situated in the corner ofthe cul-de-sac which allows the property to be surrounded bylawned gardens with mature tree and shrub borders.Lounge/diner TV/family room, kitchen/breakfast room,cloakroom/WC, study/office, shower room & family bathroom.

LOVE LANE, WOODFORD GREEN £349,995Three Bedroom Semi-Detached extended family home withfurther potential to extend (subject to usual planning consents).We highly recommend viewing of this property to appreciate thelevel of accommodation on offer. 'L' shaped lounge,kitchen/breakfast, annexe offering: study, bedroom four with en-suite shower room, cloakroom/WC and family bathroom.

THE FRIARS, CHIGWELL £345,000Four Bedroom Semi-Detached House in a cul-de-sac locationsituated just off Manor Road, Chigwell, within a short distance oflocal shopping amenities and Grange Hill Central Line Tube Station.This property is offered CHAIN FREE and immediate viewing ishighly recommended to fully appreciate the potential on offer.Cloakroom/WC, lounge/diner, kitchen, conservatory, bedroomthree with en-suite bathroom, family bathroom, single garage.

GRAVEL LANE, CHIGWELL £364,995Three Bedroom Semi-Detached house situated in Gravel Closehaving been well-maintained by the previous owners and hasspectacular views over grassland to rear. We highly recommend aviewing to fully appreciate the level of accommodation on offer.Lounge, kitchen/breakfast room, lobby area, cloakroom/WC,shower room, family bathroom, single garage & off-street parking.

FOREST LANE, CHIGWELL,£1,65M

A fine example of a Five Bedroomproperty in one of the mostprestigious locations in ChigwellForest Lane. A large loft area whichcan either be used as either a sixthbedroom or a playroom. ASoutherly facing garden in excess of100ft.

COURTLAND DRIVE,CHIGWELL £1.1M

On the prestigious Courtland'sestate is this beautifully presentedFive Bedroom family residenceretaining original character. 3receptions, kitchen/breakfastroom, master bedroom with en-suite, family bathroom, twoseparate WCs, rear garden &detached double garage.


SIPPS: FACT OR FICTION?What is a SIPP and why is it receiving somuch publicity in the property world?

A SIPP is a Self Invested Personal Pension plan which

enables the policyholder to direct the investments in

the fund. Typically personal pension funds are invested

by insurance companies whose performance over

recent years have been somewhat disappointing.

These SIPP plans are approved by HM Revenue &

Customs (HMRC) and premiums to a SIPP attract tax

relief at an individual’s highest rate, subject to

prescribed limits

Where does property fit in?

Under the current rules, a SIPP can only invest in

commercial property (i.e. a shop, office or factory).

Over the years commercial property has proved a very

good hedge against inflation but has not seen the same

huge increases in value experienced by residential

property in the South East.

Against this, rental income can provide a good rate of

return which, locked in a pension, is tax-free.

This form of investment has proved very popular with

the owner managed business, enabling the owner to

acquire business premises in a very tax efficient vehicle.

As well as no Income Tax (IT) being paid on rental

income, no Capital Gains Tax (CGT) is payable on the

eventual sale of the business property

What’s changed?

The Government has introduced new rules to simplify

the pensions tax regime as from 6th April 2006.

Presently there are a confusing number of different

types of pension funds, all with different tax rules and

regulations. From 6th April 2006, officially named A-

Day for reasons known only to the Government, all

pension funds will operate under one set of rules as

summarised in the table.

The new rules have been issued on a piece-meal basis

over the last 12 months and, whilst there are still some

uncertainties over detailed provisions, the main rules are

clear.

The rule that is causing all the interest is the one that

allows pension funds to invest in residential property for

the very first time.

This is where the SIPP comes in.

What does all this mean for me? ShouldI transfer my own house into a SIPP?

It depends on the circumstances but probably not. This

is because:

- You no longer own it, the SIPP does

- It is already free of capital gains tax (CGT)

- The trustees of the SIPP will be very strict with

how the property is maintained

- You will have to pay rent to the SIPP at a market

value or suffer a tax charge at your highest rate

- The property may have to be sold to provide your

retirement benefit.

Can I transfer my existing buy-to-letinvestments into a SIPP?

Possibly! It is technically possible to transfer all or part

of a buy-to-let property into a SIPP subject to the

contribution limits of 100% of earnings up to a

maximum of £215,000.

The main problem here is that CGT is due on the

transfer into the fund. The CGT is based on the

difference between the market value at the date of

transfer less the original cost adjusted for indexation up

to 5th April 1998. The Capital Gain is then taxed at

your highest marginal rate, which in many cases will be

40% and don’t forget Stamp Duty Land Tax on the

transfer.

Is there another way?

One alternative may be to re-mortgage the buy-to-let

property up to its original cost and then use the money

generated to pay into a SIPP, with a view to using these

funds to acquire a new buy-to-let property.

In this way no CGT is payable and if this is done

correctly full tax relief is available on the re-mortgage.

But you will need expert advice to do it properly!

Another simple alternative exists if you have an existing

SIPP, which hold sufficient investments. These

investments can be encashed to provide the funds to

purchase existing buy-to-let property. The property is

then owned by the pension fund and you then have

cash to invest, possibly in another property.

Capital Gains Tax and Stamp Duty Land Tax will also need

to be considered but it may be possible to mitigate this if

the funds were used to make further pension

contributions into the SIPP. Subject to the limits of course.

What about a holiday home abroad?

Probably not a good idea! Because a SIPP is really a trust

and trusts are not recognised in many foreign countries,

it may be better to buy your holiday home personally.

Although the SIPP is a tax-free fund in the UK, income

and capital gains generated abroad will be taxable at

possibly higher rates than here. This especially applies

to Spain.

For a SIPP to be tax-efficient, the overseas property

would have to be in a very low tax area otherwise you

may not get the tax break you bargained for. However

at the moment SIPP providers are very wary of overseas

investments.

A further problem with overseas property is that the

policyholder would need to pay the SIPP market rent for

personal use or suffer a tax charge.

Feature - Pensions

This article represents our understanding

of current law and Inland Revenue

practice. Levels, bases of and relief from

taxation are those currently applying –

and they are subject to change.

If you need any further advice about SIPPs, please

contact Jan Rickler or Dave Kirkwood in our

Loughton office on 020 8502 0411.


It is possible that HMRC may seek to tax policyholders

for periods when the property is not let, but we will not

know the outcome of this for some time.

A holiday home in the UK then?

As the UK recognises trusts the problem of paying IT

and CGT disappears. Not so for personal use! The

same rules apply and the policyholder could face a tax

charge for personal use and unoccupied periods.

Commercially, a furnished holiday home let in the UK

already enjoys favourable tax treatment so the benefits

of ownership in a SIPP could easily be outweighed by

tax charges for personal use.

What then is an ideal investment for a SIPP?

Easy! A UK buy-to-let residential property, but not one

already in the ownership of the policyholder. And don’t

forget commercial property. This is still as good as it

always was but don’t forget the Lifetime Allowance of

£1.5 million.

Good, but I don’t have the money. It islocked in my company and to draw itout would cost me lots of tax.

No problem! Even if you are receiving a very low salary

and taking dividends instead, after the 6th April 2006

your company can pay up to £215,000 into your SIPP.

Another of those uncertainties that we still don’t know

the answer to is whether HMRC will seek to spread the

tax relief on these employer contributions over more

than one accounting year. Even so this is likely to be a

minor problem against the main advantage of

extracting funds locked into a Company in a very tax

efficient way.

But what happens when I retire? I hearthat annuity rates are low and may not bea good time to sell investment properties.

Again, no problem! The new regulations have relaxed

the rules on annuities. So, instead of selling your entire

portfolio of investments, pension benefits can, within

limits, be withdrawn from those investments.

For example, if a SIPP only contains UK buy-to-let

properties, the tax-free rental income from these properties

can be used to fund the pension to the policyholder.

On death the fund assets can be passed to other

members of the scheme, for example the policyholder’s

children. It now appears that this won’t escape

Inheritance Tax as was originally thought, but the final

details have still to be decided.

Hopefully this clarifies the considerable amount of

speculation that exists on the subject of SIPP’s. There will

be many changes to the rules on 6th April 2006. We

recommend that anyone with an existing pension fund,

especially if you are approaching or exceeding the

Lifetime Allowance of £1.5 million, should have their

circumstances reviewed by an expert.

Vantis is holding an open day on this subject in

October 2005 to discuss any Pension related

problem. If you would like to attend, please phone

Denise Cull on 020 8502 0411 for an invitation

pack, or email [email protected]

For further information on this topic, please call Jan

Rickler or Dave Kirkwood at the Vantis Loughton office on

020 8502 0411. Vantis is the AIM listed business advisory

group that specialises in helping business people improve

the performance of their businesses. Through 20

locations across the UK, the company offers a range of

specialist skills, including business advisory, accountancy,

bespoke tax planning, business recovery, customs duty

recovery and advisory services, sports advisory and

management services, outsourcing, corporate finance,

asset finance and independent financial advice. Working

together with our tax experts in the UK, we are able to

provide workable solutions for landlords and individual

home owners in the UK and abroad.

This article is intended for general guidance only and,

where relevant, represents our understanding of current

law and Inland Revenue practice. Action should not be

taken without seeking professional advice. No

responsibility for loss by any person acting or refraining

from action as a result of the material in this article can

be accepted and we cannot assume legal liability for any

errors or omissions this article may contain.

NEW PENSION REGIME FROM6th APRIL 2006

• One set of rules will apply to all pension schemes.

• A Lifetime Allowance limiting the value of tax-free

pension funds is introduced. For 2006/07 this is

£1.5m.

• Complicated transitional rules exist to protect those

whose funds at 6th April 2006 already exceed £1.5m.

• A lifetime tax charge will exist if benefits exceed the

£1.5 million Lifetime Allowance.

• A maximum annual pension contribution of

£215,000. Tax at 40% is charged on the excess.

• Annual maximum contribution of £3,600 or 100%

of earnings, whichever is greater.

• 25% of the fund value can be taken as a tax-free

lump sum.

• Benefits can be taken from age 50 (55 from 6th

April 2010).

• Benefits can be taken without having to cease

employment.

• Available investments will include residential

property. The fund can borrow up to 50% of the

capital value of the fund.

• No need to ever purchase an annuity or sell assets

as pension income can be taken direct from the

fund.

• A pension fund will be able to acquire assets from

the policyholder.

Jan Rickler - Client Partner

VANTIS

3rd Floor

Crown House

151 High Road

Loughton

IG10 4LG

Email: [email protected]

Web: www.vantisplc.com

David Kirkwood - Client Partner

VANTIS

3rd Floor

Crown House

151 High Road

Loughton

IG10 4LG

Email:

[email protected]

Web: www.vantisplc.com


Architect Feature


£469,995

Please contact

our Chigwell

office on

020 8281 0123.

Orchard End - Elite Home

Ongar village must still be one of Essex’s best kept secrets. With it’s bustling High Street offering anything from

fine antique shopping to the newest designer clothing. As well as an amazing selection of great restaurants

there are also some very friendly traditional English pubs.

With this in mind Lawlors Property Services are delighted to offer for sale on the edges of Ongar Village, this

unique four bedroom detached home with detached double garage. Being situated at the bottom of a private

cul de sac this fantastic home boasts a wealth of features.The ground floor accommodation is plentiful with

three receptions, conservatory, kitchen, utility room and cloakroom. The first floor offers four bedrooms and

two bathrooms and would lend itself well, if required, for extending into the loft area. The detached double

garage has an additional entrance with staircase leading to the first floor offering a fantastic triple aspect room

with power and lighting measuring 20’ x 14’.

This home is offered in excellent condition and we would encourage any potential customer to contact us at

their earliest to avoid disappointment.

Village people...

Residential Homes

t: 020 8281 0123

LAWLORS

ROSEBURY SQUARE£595,000

Four bedroom family homearranged over three floors withfour good size bedrooms andhas the benefit of two en-suites.Cloakroom / WC,kitchen/breakfast, utilityroom, lounge, familybathroom, single garage, masterbedroom and en-suite &bedroom two with en-suite.

DEVONSHIRE HOUSE,£339,995

Two Bedroom, Second FloorApartment set within thehighly desirable Repton Park.The property benefits fromhigh ceilings, sash windowswith beautiful views overcommunal gardens. Propertybenefits include: Masterbedroom with En-suite showerroom, kitchen, bedroom two,family bathroom,lounge/diner, two allocatedparking spaces.

WENTWORTH HOUSE £249,995

Stunning One Bedroom Apartment in the sought after WentworthHouse within Repton Park. Property benefits include a hallway ofapproximately 31' and solid wood f looring thoughout. WentworthHouse has it's own private security gate in addition to the 24 hourconcierge service at the main entrance to Repton Park. The current

owner has maintained thisproperty to a very high standardand the decor is extremely tastefulwith high ceilings, sash windowsand ornate coving. Entrancehallway, lounge, kitchen,bathroom and allocated parking.

NORTH LODGE £695,000Grade II Listed, Three BedroomDetached Property located uponthe Repton Park Development,having been painstakinglyrestored and lovingly maintainedthe property boasts anabundance of character featurescoupled with all the benefits ofmodern-day living. Propertybenefits include: Dining room,lounge, cloakroom/WC, kitchen,utility room, breakfast room,conservatory, master bedroomwith En-suite shower room, twofurther bedrooms, familybathroom, double detachedgarage, mature gardens.

SUTHERLAND HOUSE£365,995

Impressive Two Bedroom, SecondFloor Apartment situated in themost sought after development inthe area, Repton Park. Thisparticular property boasts a wealthof original features dating back tothe Victorian era, offering highceilings, full length sash windowsand views over beautifully keptgrounds. Security entryphone,kitchen, lounge, master bedroomwith en-suite, bedroom two withen-suite bathroom, two allocatedparking space & communalgrounds. This property is offeredfor sale Chain-free.

Repton ParkRepton Park


www.lawlors.co.uk

CHAPEL MEWS £424,995

Situated on the prestigious Repton Park within it's own private gatedarea lies this Two Bedroom mews-style house. The property boasts awealth of features including Amtico f looring, chrome handles andswitches throughout, fitted kitchen/breakfast room, ground f loorcloakroom and en-suite to master bedroom plus further mainbathroom. The property has theadded benefits of being chain freeand is finished to the higheststandard throughout. Lounge,detached single garage & allocatedparking & guest parking.

GAINSBOROUGHHOUSE £875,000"Tower style design" offeringbeautiful high ceilings and a circularsitting room with domed ceiling andconcealed lighting. Spiral staircaseleading to all f loors with further"Monks Staircase" being a stonespiral staircase and brick walls whichdate back to its earlier days. Theproperty, which is lit up withlighting in the evening, makes thisan ideal purchase for someone whois looking for something different.Fitted kitchen, cloakroom/WC,sitting room, dining room, masterbedroom with en-suite bathroom,family bathroom, family showerroom, cinema room, rear garden &double garage.

WENTWORTH HOUSE£315,000

Two Bedroom, First Floorapartment benefitting fromdouble bedrooms with themaster having an en-suite showerroom, kitchen with ample spacefor a dining table and twoallocated parking spaces. Thisapartment is truly different fromthe normal and we wouldstrongly recommend viewing atyour earliest convenience.Security entryphone, lounge,family bathroom,kitchen/breakfast, masterbedroom with en-suite showerroom, allocated parking &communal grounds.

HAZEL LANE, THEAVENUE £525,000Five Bedroom 'New Build'residence situated in The Avenue,Repton Park designed and builtby Crest Nicholson. Theproperty offers many finefeatures and has been maintainedto a very high standardthroughout Property benefitsinclude: Study, cloakroom/WC,lounge/dining room,kitchen/breakfast room, utilityroom, master bedroom with En-suite bathroom, four furtherbedrooms, shower room, singlegarage, off-street parking.

ROSEBURY SQUARE£649,995

Four Bedroom Family Villasituated in Rosebury Square,Repton Park, occupying acorner position.Kitchen/breakfast room,utility room, cloakroom/WC,lounge, family bathroom,master bedroom with en-suitebathroom, second bedroomwith en-suite shower room,single garage, off-street parking& landscaped rear garden.

CHIGWELL OFFICE116 High Road, Chigwell, Essex, IG7 5BJ





Residential Homes

www.lawlors.co.uk

BRADFIELD HOUSE, REPTON PARK £1350 pcm

Two bedroom, third f loor apartment. Located in theprestigious development of Repton Park. The apartmentbenefits from two bathrooms and a modern fully fittedkitchen. Available either furnished of unfurnished.

020 82810123

HALLEY ROAD, WALTHAM ABBEY £2000 pcm

Stunning three/four bedroom detached propertyboasting an outstanding conservatory as well as tastefuldécor throughout. Located in the heart of Meridian Park,an area of incredible natural beauty.

020 85025588

OAK HILL ROAD, STAPLEFORD ABBOTTS £1800 pcm

Spacious four bedroom detached bungalow. Landscapedgarden boasting a heated swimming pool. Fully fittedmodern kitchen. Viewing highly recommended.

020 85025588

PICK HILL, UPSHIRE £2800 pcm

Immaculate four bedroom barn conversion. Finished toan extremely high standard throughout and benefitingfrom en-suites, and gallaries to two bedrooms. Located instunning rural grounds.

020 8502 5588

SOUTHERN DRIVE, LOUGHTON £1000 pcm

Three bedroom terraced house. Tastefully decorated andfurnished throughout. Benefits includem a modern openplan kitchen/living area and a well maintained rear garden.This property is located within easy access of the Central Line.

020 8502 5588

PRINCES ROAD £2000 pcm

Lawlors Property Services are delighted to offer thisoutstanding detached three double bedroom residenceset in the heart of Buckhurst Hill. Secluded and enrichedwith character.

020 8506 0828

LETTING SERVICES

LAWLORS

GAINSBOROUGHHOUSE, REPTON PARK

£4000 pcmOne of the most uniqueproperties situated on ReptonPark in this "Tower styledesign" offering beautiful highceilings and a circular sittingroom with domed ceiling andconcealed lighting. Westrongly advise an internalinspection.

020 8281 0123

ELY PLACE,WOODFORD GREEN

£1350 pcmSuperbly maintained fourbedroom detached property.Furnished or unfurnished.Benefiting from tworeception rooms and an en-suite to master bedroom.Quiet residential location.Easy access of West Hatchschool.

020 82810123


www.lawlors.co.uk

HIGH ROAD, CHIGWELL £1300 pcm

Spacious Three bedroom semi-detached house. Theproperty benefits from a stunning rural setting. Locatedwithin easy access to transport links and the amenities ofboth Loughton and Chigwell.

020 8502 5588

WHITEHALL LANE, BUCKHURST HILL £1625 pcm

Splendid four bedroom detached residence situatedwithin a private cul de sac. Spacious throughout, with en-suite to master bedroom. Internal inspection highlyrecommended.

020 8506 0828

THURLBY HOUSE, WOODFORD GREEN £675 pcm

A well maintained one bedroom first f loor apartment, locatedin a beautiful converted period house. With original featuresthe property is available either furnished or unfurnished.Located close to the amenities and shops of Woodford Bridge. 020 8281 0123

HAZELWOOD, LOUGHTON £2000 pcm

Immaculately presented four bedroom house. Tastefullydecorated throughout and available on a furnished orunfurnished basis. Located on a quiet residential cul de sac.

020 8502 5588

NORTHBROOK COTTAGES, HARLOW £POA

A rare opportunity has arisen to rent this outstandingseven bedroom Mansion. Benefiting from a bar,swimming pool and conservatory and located amongststunning grounds.

020 8502 5588

GRANGE CRESCENT, CHIGWELL £1500 pcm

Spacious four bed bungalow with recently modernisedkitchen. Located within easy access to Grange Hill stationand shops. Recently redecorated.

020 82810123


GREAT WOODCOTEPARK, LOUGHTON

£POA Exceptional detachedresidence located in an opencul de sac position on thepopular Great WoodcotePark. Boasting especially highceilings to the lower floor, anextensive audio systemthroughout and largeswimming pool with glassretractable closure.

020 8502 5588

MONKHAMS AVENUE,WOODFORD GREEN

£4000 pcmDelightful four/five bedroomdetached family residence.The property has beenthoughtfully and lovinglymaintained by the currentowners with no expensespared.. Externally there is aprofessionally landscaped reargarden and attached garage.

020 8506 0828

LOUGHTON OFFICE

165 High Road, Loughton,Essex, IG10 4LF

t: 020 8502 5588 f: 020 8502 5802

e: [email protected]

CHIGWELL OFFICE

116 High Road, Chigwell,Essex, IG7 5BJ

t: 020 8281 0123 f: 020 8281 0222


WOODFORD OFFICE

457 High Road, Woodford Green,Essex, IG8 0XE

t: 020 8506 0828 f: 020 8506 9101



w w. lawlors.co.ukw


LOUGHTON OFFICE

165 High Road, Loughton,Essex, IG10 4LF

t: 020 8502 5588 f: 020 8502 5802


CHIGWELL OFFICE

116 High Road, Chigwell,Essex, IG7 5BJ

t: 020 8281 0123 f: 020 8281 0222


WOODFORD OFFICE

457 High Road, Woodford Green,Essex, IG8 0XE

t: 020 8506 0828 f: 020 8506 9101


Inhouse Oct/Nov 2005 Edition

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Transcript of Inhouse Oct/Nov 2005 Edition