IIInnnsssiiidddeee ttthhhiiisss iiissssssuuueee……… LLLooocccaaalll CCCooommmmmmuuunnniiitttyyy::: LLLooonnnggg SSSuuuttttttooonnn MMMaaarrrkkkeeettt HHHooouuussseee...

LLLeeegggaaalll aaadddvvviiiccceee::: DDDiiiffffffeeerrreeennnccceee bbbeeetttwwweeeeeennn sssuuurrrvvveeeyyy &&& ssseeeaaarrrccchhheeesss...

LLLeeegggaaalll aaadddvvviiiccceee::: GGGuuuiiidddeee tttooo bbbuuuyyyiiinnnggg...

LLLeeettttttiiinnngggsss aaadddvvviiiccceee::: BBBuuuyyyiiinnnggg tttooo llleeettt ––– dddooo’’’sss &&& dddooonnn’’’tttsss...

IIInnnsssuuurrraaannnccceee::: CCCaaalllllliiinnnggg aaallllll lllaaannndddlllooorrrdddsss...

UUUtttiiillliiitttiiieeesss::: IIInnntttrrroooddduuuccciiinnnggg UUUtttiiillliiitttyyy WWWaaarrreeehhhooouuussseee...

JJJuuusssttt fffooorrr fffuuunnn::: CCChhhrrriiissstttmmmaaasss cccrrrooosssssswwwooorrrddd...

PPPLLLUUUSSS::: FFFuuullllll ppprrrooopppeeerrrtttyyy llliiissstttiiinnngggsss...

Cover photo: office tree.

206 Bridge Road, Sutton Bridge, Spalding, Lincolnshire, PE12 9SG Tel: 01406 359131 Fax: 01406 359939 Email: phoenixea@btconnect.com

Open: Monday to Friday 9am – 6pm. Saturday 9am – 4pm. Closed: Sundays & Bank Holidays

Phoenix Property Magazine December 2012 FREE

LLoonngg SSuuttttoonn MMaarrkkeett HHoouussee BByy JJeeaannnnee SSiibblleeyy,, DDeevveellooppmmeenntt OOffffiicceerr//CCeennttrree MMaannaaggeerr

The Long Sutton Market House is a volunteer run community centre which offers rooms for members of the local community to hire and also a wide range of services and information for local people.

Our reception is staffed Monday to Friday 9.30am to 4.00pm by a dedicated group of local volunteers. They are able to offer access to local information, bus times and tourist information. Our volunteers also run an access point for the Lincolnshire Credit Union every Friday and a daily access point for the Agape Care Food Bank providing food parcels for those in need in the local area. The Market House also has a food collection point for those who are able to donate food to the food bank.

Market House volunteers run Market House Movies a rural cinema which is very popular offering films locally for those unable to travel to a cinema.

The Market House Photographic group is very popular with monthly meetings for keen amateur photographers and they regularly put on popular exhibitions for the local community.

We have free English Language and life skills classes for Migrant Workers twice a week.

South Holland District Council Customer Services are present in the Market House on Tuesdays and Thursdays and if they are not available our volunteer receptionists have been trained to issue Housing and Benefit forms and we can provide free telephone contact to the council.

There is free computer access in the Market House reception.

Services provided at the centre are Rape Crisis, Citizens Advice Bureau, BRM community Drama group, Long Sutton Town Arts bringing theatre and music, independent musicians providing concerts, WEA lectures and training courses, a Craft Market on the last Friday of the month, craft and card groups and many more.

The Corn Exchange is a conference room for up to 100 people and is a popular venue for local musicians and weddings and parties.

The elegant Friends conference room on the second floor is a popular conference room for up to 40 people and there are smaller interview rooms on request.

Our volunteers are always happy to provide room hire information and all the latest information is on our website www.longsuttonmarkethouse.org

Come to the Christmas Craft Market for those special Christmas gifts, come and enjoy the atmosphere and a coffee. Long Sutton Market House Corn Exchange 14th December 10.00am to 2.00pm.

For information 01406 366767 www.longsuttonmarkethouse.org

The Long Sutton Market House will be closed from 4pm Friday 21st December & will reopen on Wednesday 2nd January 2013.

MMaarrkkeett HHoouussee PPhhoottooggrraapphhyy GGrroouupp BByy AAnnggeellaa RReeeevvee,, CChhaaiirr,, MMaarrkkeett HHoouussee PPhhoottooggrraapphhyy GGrroouupp

The Market House Photography Group meet on the second Monday of each month at the Market House, Long Sutton at 7.30pm.

Anyone can join regardless of experience, we have total novices through to a professional portrait photographer. Everyone is there to help each other. We have a varied programme throughout the year and we also run a selection of field trips, venus for 2013 including Nottingham, Moulton Mill, A cruise down the River Witham at Boston. We also host 3 or 4 practical workshops a year. We host exhibitions in the Market House and we also run the Life In Lincolnshire competition which is free to enter.

Membership is £15 per annum or a single meeting fee of £3/meeting.

Please contact Angela Reeve 01406 366767 or email:angela.mhpg1@btinternet.com

TAVERNERS MEWS, LONG SUTTON

OIEO £56,000

Modern (2006) 2 Bedroom terraced house available on a 50% shared ownership

scheme, situated convenient for town centre amenities benefiting from

kitchen/diner, downstairs cloakroom, upvc double glazing, gas central heating, allocated parking space, enclosed rear

garden & no upward chain.

PEACOCK COURT, SUTTON BRIDGE

£59,950

Ground floor leasehold apartment convenient for bus stop & local amenities offering open plan

lounge/kitchen, double bedroom, shower room, residents communal car

park with allocated parking space, residents communal garden area,

double glazing & no upward chain. View Now!

MARCH ROAD, FRIDAY BRIDGE

£60,000

Building Plot on the outskirts of the popular village of Friday Bridge. Full

planning permission for a 3 bed detached house, Plot measures approx. 37ft/11.2m frontage x 59ft/17.9m depth (sts). Field

views front & rear. No upward chain.

WITHINGTON STREET, SUTTON BRIDGE

OIEO £60,000

2-3 bedroom terraced house requiring redecoration offering, 2 reception rooms, kitchen, utility, downstairs Bathroom, upvc double glazing, gas central heating with refitted boiler, re-wired, enclosed rear garden with

decking feature & 2 sheds. No upward chain. View now!

ANNE ROAD, SUTTON BRIDGE

£72,000

3 Bedroom semi detached house close to local primary school & within walking

distance of local amenities offering majority upvc double glazing, gas

central heating, utility/rear lobby, off road parking, generous enclosed rear

garden & no upward chain. View now!

WITHINGTON STREET, SUTTON BRIDGE

£75,000

Victorian 2 bedroom terraced house benefiting from lounge/diner, modern kitchen & downstairs bathroom, upvc double glazing, gas central heating,

enclosed low maintenance rear garden with 3 room outbuilding & no upward

chain. Viewing essential!

GAULTREE SQUARE, EMNETH

£79,950

2 Bedroom semi detached house situated in a popular village requiring further

updating and benefiting from 2 reception rooms, conservatory, upvc double glazing, enclosed rear garden with part field view

& no upward chain. View now!

NEW ROAD, SUTTON BRIDGE

£80,000

Building plot. Approx 0.5 acre site, outline planning permission for a single

storey dwelling. Popular residential location, field view to one side, mature

trees on site. Golf course nearby.

ROMAN BANK, SUTTON CROSSES

OIEO £85,000

Former mission house now a 2 bedroom detached bungalow of non-standard

construction situated in a rural location on the outskirts of Long Sutton offering

lounge, sun room, shower room, majority upvc double glazing, oil central heating, off road parking and gardens. Internal

viewing a must!

SHOW HOME NOW OPEN – CALL TO BOOK AN APPOINTMENT Individual conversion development of 12 properties convenient for local amenities and bus stops benefiting from fitted kitchen & bathroom, floor coverings, gas central heating, upvc

double glazing & 2 allocated parking spaces. *20% Discount available on selected plots subject to status.

PLOT 1: £60,000 (20% discounted) 1 bedroom end terraced coach house. Open plan lounge/diner and kitchen, downstairs cloakroom, upstairs en-suite bathroom to the bedroom & 2 allocated parking spaces. PLOT 2: £75,000 1 bedroom terraced coach house Open plan lounge/diner and kitchen, downstairs cloakroom, upstairs en-suite bathroom to the bedroom & 2 allocated parking spaces. PLOT 3: £79,950 2 bedroom terraced coach house Open plan lounge and kitchen plus downstairs bathroom & 2 allocated parking spaces. PLOT 4: £79,950 2 bedroom ground floor apartment Double aspect open plan lounge & kitchen, private garden & 2 allocated parking spaces. PLOT 5: £69,950 2 bedroom ground floor apartment Open plan lounge & kitchen plus 2 allocated parking spaces. PLOT 6: £79,950 2 bedroom ground floor apartment Double aspect lounge and separate kitchen plus 2 allocated parking spaces. PLOT 7: £47,996 (20% discounted) 1 bedroom ground floor bedsit Open plan lounge and kitchen plus en-suite shower room to the bedroom and 1 allocated parking space. PLOT 8: £ 86,950 2 bedroom ground floor apartment Double aspect open plan lounge and kitchen plus 2 allocated parking spaces. PLOT 9: £86,950 2 bedroom ground floor apartment Open plan lounge and kitchen, en-suite shower room to master bedroom plus further bathroom. 2 allocated parking spaces. PLOT 10: £69,950 2 bedroom first floor apartment Open plan lounge and kitchen. 2 allocated parking spaces. PLOT 11: £55,960 (20% discounted) 2 bedroom first floor apartment Double aspect open plan lounge and kitchen. 2 allocated parking spaces. PLOT 12: £55,960 (20% discounted) 2 bedroom first floor apartment Open plan lounge and kitchen. 2 allocated parking spaces.

SPECIFICATION: - Kitchens: Fitted units plus oven, hob with extractor, space for fridge/freezer, space/plumbing for washing machine. - Bathroom/Cloakroom/En-sSuite: Fitted with white suite. - Double glazing & Gas central heating - Carpets/floor coverings included. *All information subject change.

CHESTNUT TERRACE, SUTTON BRIDGE

£92,950

Edwardian terraced house benefiting from 2 double bedrooms, 2 reception

rooms, modern refitted kitchen & bathroom, gas central heating, upvc double glazing & approx 100ft long

enclosed rear garden. Internal viewing essential.

GOOSE GREEN, SUTTON BRIDGE

£95,000

Modern 1 bedroom semi detached bungalow in a popular residential location

benefiting from conservatory, upvc double glazing, gas central heating, low maintenance enclosed rear garden &

2 allocated parking spaces. Viewing advised!

THE HOLIIES, HOLBEACH £99,950

Modern 2 bedroom end terraced house offering lounge/diner, refitted kitchen & bathroom, upvc double glazing, gas

central heating, off road parking spaces, enclosed rear garden &

no upward chain.

WEST PARADE, WISBECH

£102,500

3 Bedroom end-terraced house situated close to the town centre, 2 reception

rooms, downstairs shower room, majority double glazing & gas central heating, off road parking, rear garden & no upward

chain.

BRUCE CLOSE, WISBECH

£103,000

New build 2 bedroom terraced house situated in a small development of 9 houses benefiting from lounge/diner, downstairs cloakroom, upvc double

glazing, gas central heating, low maintenance enclosed rear garden, allocated off road parking space &

no upward chain. View now!

BRIDGE ROAD, SUTTON BRIDGE

OIEO £105,000

Modern 3 Bedroom semi detached house conveniently located for local amenities.

UPVC double glazing, Electric night storage heating, Off road parking,

Kitchen/Diner & Enclosed south facing low maintenance patio garden. No

Upward Chain.

PRINCES STREET, SUTTON BRIDGE

£105,000

1920’s 3 Bedroom semi detached house, lounge/diner, downstairs bathroom, generous enclosed rear garden with

off road parking & outbuildings include utility, store & coal store, UPVC double

glazing, gas central heating with refitted boiler.

BRUCE CLOSE, WISBECH

£105,000

New build 2 bedroom terraced house situated in a small development of 9 houses benefiting from lounge/diner, downstairs cloakroom, upvc double

glazing, gas central heating, low maintenance enclosed rear garden, allocated off road parking space &

no upward chain. View now!

BRUCE CLOSE, WISBECH

£105,000

New build 2 bedroom end terraced house situated in a small development of 9 houses benefiting from lounge/diner, downstairs cloakroom, upvc double

glazing, gas central heating, low maintenance enclosed rear garden, allocated off road parking space &

no upward chain. View now

LLeeggaall AAddvviiccee::

FFoosstteerrss LLaaww QQ&&AA By Jo Wheatley-Johnson, Fosters Law

Q. WHAT IS THE DIFFERENCE BETWEEN A SURVEY AND SEARCHES? In the somewhat confusing world of conveyancing, these two items quite often get mixed up. They both provide a better understanding of the property being purchased, they will normally cost the client money and, of course, they both begin with the letter "S"; they are however quite different but equally important elements:

SURVEY If you are using a mortgage to purchase the property, a basic mortgage survey (a "valuation report") is undertaken to ensure that the property you are purchasing meets the value of the loan that the mortgage company is lending you. In other words, does it offer them sufficient collateral to lend against or, if they had to repossess it , can they get their money back? They arrange this and administer this, but you pay for it.

Although this survey will highlight any significant defects that the property might have, it is not the best way of ascertaining the property’s overall condition or value, and a further problem with such a valuation report is that it is prepared for your mortgage company's purposes only - you cannot rely on it if there is a problem in the future. If you wish to know more about the property, you are naturally at liberty to instruct a more detailed survey, again at your expense. Here you can have a Home Buyers Report (which is much more detailed) or even a Full Structural Survey (which is even more detailed), any problems will be highlighted and advice given from the surveyor.

Remember that buying a property is probably the most expensive purchase you will ever make - it is worth spending a couple of hundred pounds on a decent survey to ensure that what you are buying is not only correctly priced, but also, that it is not going to cost you thousands of pounds in maintenance bills as soon as you move in.

SEARCHES Searches are simply a set of enquiries that your solicitor submits to various third parties that include Local Councils, the Environmental Agency, the Coal Authority and Water Authorities. They are called searches because your solicitor is asking those organisations to search their records for information about the particular property you are buying. The type and number of searches vary according to what and where you are buying, although if mortgage finance is required, searches will usually include: -

Local search - this is carried out by your solicitor with the Local Authority and will confirm if there are any Local Authority Land Charges relating to the property (such as improvement grants or Smoke Control Orders etc); the Building Regulations and the planning history for the property, if roads are adopted (i.e. maintained and repaired by the highways department, as opposed to private roads which are down to the owner or a private management company to maintain); whether it is a listed building and whether there are any proposals for a motorway at the bottom of your garden, etc. If any entries are revealed on the search, your solicitor will then make further enquiries with the sellers' Solicitors to investigate any issues on your behalf.

Environmental Search - this is a commonly used search that will identify risks within 500 metres of the property and will reveal the history of the site on which your house has been built. It will check if it has been built on a waste or landfill site, and if the property is within a flood plain. This search is required by most mortgage lenders. Again, if problems are identified, your solicitor will raise this with the sellers.

Water & Drainage Search - this is carried out with the local water authority, and will confirm to your solicitor if the property is connected to the main drains and whether the property is on a water meter or not. It will also reveal if there are any public sewers within the boundaries of the property, or nearby, which could affect future development or building work.

Chancel Repair Search – this will show whether a property has a potential liability to contribute to the cost of repairs to the chancel of a local mediaeval church. Unfortunately, there is no readily accessible central database to identify properties with chancel repair liability and existing records are incomplete. In some cases, liability will be shown on the register for the property at the Land Registry, but this is not always the case.

In certain circumstances, if you are purchasing in a certain area of England or Wales, your solicitor will undertake additional specialist searches, for example mining or flood searches.

The costs of these searches can vary, but generally you should budget for about £200 for a local search, drainage search and environmental search.

If you need advice, contact Jo Wheatley Johnson at our Long Sutton office:

14 Market Street, Long Sutton, Lincolnshire, PE12 7QU. Email: jwj@fosters-law.co.uk or call 01406 455014.

PEBBLE CLOSE, SUTTON BRIDGE

£106,950

New build 2 bedroom terraced house situated in a small development of 9 houses benefiting from lounge/diner, downstairs cloakroom, upvc double

glazing, gas central heating, low maintenance enclosed rear garden, allocated off road parking space &

no upward chain. View now!

DANIELS CRESCENT, LONG SUTTON

£114,950

3 Bedroom semi detached house in a cul de sac location offering kitchen/diner, modern white bathroom suite, attached

workshop, off road parking, enclosed rear garden, upvc double glazing & gas

central heating. Internal viewing recommended!

HARRIET CLOSE, SUTTON BRIDGE

£114,950

Modern 2 bedroom semi detached bungalow situated in a popular area

offering wet room/shower room, conservatory, upvc double glazing, gas central heating, garage with electric

remote control entrance door, driveway, enclosed rear garden & no upward chain.

View now!

RAILWAY LANE SOUTH, SUTTON BRIDGE

£119,950

3 Bedroom end terraced house benefiting from refitted kitchen/breakfast room, utility room, downstairs bathroom with separate cloakroom, double glazing, gas

central heating, off road parking, enclosed courtyard garden & further

92ft/28m (sts) long lawned garden area with decking feature. Viewing essential!

THE CHASE, LONG SUTTON

OIEO £125,000

1930s 3 bedroom semi detached house situated convenient to town centre

amenities offering 2 reception rooms, kitchen/breakfast room, downstairs cloakroom, upvc double glazing, gas central heating, original fireplaces,

approx. 100ft long rear garden, off road parking & no upward chain. View now!

HIGH ROAD, WISBECH ST MARY

£125,000

3 Bedroom semi detached house in a popular village, 2 reception rooms,

modern kitchen & downstairs bath/shower room, en-suite cloakroom to

master bedroom, extensive off road parking, approx. 150ft long enclosed rear garden, gas central heating, upvc double

glazing & no upward chain.

WRIGHTS LANE, SUTTON BRIDGE

£126,000

Residential development opportunity. Popular residential location with field view. Approx 0.5 acre site with full

planning permission to demolish existing buildings & erect 4 dwellings & integral

garages. View Now!

GEDNEY ROAD, LONG SUTTON

£129,950 1930s 3 Bedroom semi detached house with rear field views on the outskirts of Long Sutton offering 2 reception rooms,

modern kitchen/breakfast room, gas central heating, upvc double glazing,

garage, extensive driveway & enclosed rear garden. Internal viewing essential!

BRIDGE ROAD, SUTTON BRIDGE

£129,995

3 Bedroom detached bungalow convenient for local bus stop and

amenities requiring further updating and benefiting from kitchen/breakfast room, upvc double glazing, gas central heating, garage and off road parking, lawned rear

garden & no upward chain.

BLACKBEAR LANE, WALSOKEN

£134,950

Refurbished detached bungalow in a popular residential location offering 2 double bedrooms, 2 reception rooms,

refitted kitchen, refitted bathroom, upvc double glazing, refitted gas central heating, garage, extensive off road

parking and south facing enclosed rear garden. Internal viewing a must!

BRIDGE ROAD, SUTTON BRIDGE

£134,950

End terraced 3 storey house with accommodation providing, 4 bedrooms,

bathroom, wet room/shower, 2+ reception rooms, utility room, enclosed rear garden, garage/workshop, majority

upvc double glazing & gas central heating. Needs to be seen inside to

appreciate layout & space of accommodation offered.

RAILWAY LANE, SUTTON BRIDGE

£134,995

Link-detached bungalow in a semi rural location with field views to the rear,

lounge/diner, 2 double bedrooms, wet room style shower room, garage,

extensive off road parking, enclosed rear garden, upvc double glazing & gas

central heating with refitted boiler. Viewing a must!

PRINCES STREET, HOLBEACH

£139,950

Modern detached bungalow situated convenient for local amenities & bus stop

offering 2 double bedrooms, kitchen/diner, double glazing, gas central heating, garage, 2 off road parking areas, established & secluded rear garden with

patio areas. Internal viewing a must!

ROMAN BANK, HOLBEACH BANK

£139,950

Renovated 3 bedroom detached Victorian (1880) cottage in a rural village location with rear field views, lounge/diner with

multi fuel burner, refitted kitchen & bathroom, oil central heating, solar panel

water heating, majority upvc double glazed windows, off road parking for

several vehicles and gardens.

STURTON WAY,LONG SUTTON

£139,995

Detached bungalow situated in a popular location requiring further updating benefiting from 3 double bedrooms,

kitchen/breakfast room, utility room, upvc double glazing, gas central heating,

garage, driveway, enclosed low maintenance gardens & no upward chain.

WRIGHTS LANE, SUTTON BRIDGE

£139,995

Detached bungalow situated in a popular location, 2 double bedrooms,

conservatory/utility, majority UPVC double glazing, gas central heating,

bathroom with corner bath & separate shower, garage & off road parking, good

size rear garden.

CHURCHGATE, GEDNEY SOUTH)

£140,000

Detached bungalow in a popular village location requiring some cosmetic updating & garden re-landscaping

benefiting from 2 double bedrooms, kitchen/breakfast room, utility,

conservatory, modern fitted bathroom, upvc double glazing, gas central

heating, garage & driveway.

WRIGHTS LANE, SUTTON BRIDGE

£149,950

Detached bungalow in a popular location offering 2 double bedrooms, modern

fitted kitchen & bathroom, sun room/utility, pantry, garage, block paved

driveway, upvc double glazing, gas central heating, feature enclosed rear

garden. Viewing essential to appreciate presentation!

LANCASTER DRIVE, LONG SUTTON

£149,950

3 Bedroom detached house situated in a popular area offering open plan

lounge/diner, kitchen with pantry, utility, downstairs cloakroom, majority

upvc double glazing, gas central heating, garage, off road parking, enclosed rear

garden & no upward chain. Internal viewing advised

VILLA CLOSE, LUTTON (LONG SUTTON)

£149,995

Modernised detached bungalow in a popular cul de sac with field views to one side, 2 double bedrooms, individual open

plan layout, modern refitted kitchen/breakfast room, dining

room/study, refitted bathroom, enclosed rear garden, off road parking, upvc

double glazing & gas central heating.

LONDON ROAD, LONG SUTTON

£155,000

3 Bedroom detached house benefiting from rear field view,2 reception rooms

plus conservatory, downstairs cloakroom, modern upstairs bathroom,

detached single garage with utility room, driveway, parking area, upvc

double glazing, gas central heating & rear garden. Internal viewing essential!

FAIRFIELDS, HOLBEACH

£157,995

2-3 Bedroom detached bungalow situated in a popular cul-de-sac close to the town

centre benefiting from conservatory, utility room/bedroom 3, shower room, UPVC

double glazing, gas central heating with refitted combi boiler, south facing low

maintenance rear garden & off road parking. View Now!

LIME WALK, LONG SUTTON

OIEO £160,000

Modern extended 4 bedroom detached house on a corner plot, convenient for

local amenities, 38ft long lounge/diner, majority UPVC double glazing, gas central heating, enclosed rear garden, garage &

driveway

THE BIRCHES, SUTTON BRIDGE

£165,000

Modern (2002) 3 bedroom detached bungalow situated down a private drive

convenient for bus stop & local amenities offering kitchen/diner, conservatory, bath/shower room, detached garage, driveway, enclosed rear garden, gas

central heating & upvc double glazing. Viewing essential to appreciate!

BRIDGE ROAD, LONG SUTTON

£165,000

Modern (2004) detached chalet style house offering 3 bedrooms, en-suite to master, family bathroom & downstairs

cloakroom, L-shaped lounge/dining room, kitchen/breakfast room, utility, detached single garage, extensive off road parking,

gas central heating & upvc double glazing. Internal viewing a must!

DELPH ROAD, LONG SUTTON

£169,950

3 bedroom detached chalet style cottage on the outskirts of Long Sutton.

Downstairs 2 bedrooms, bathroom, lounge, kitchen/diner, utility and

conservatory. Upstairs bedroom, shower room & reception room. Garage, off road

parking & established gardens. Field views to the front. Viewing a must!

DELPH ROAD, LONG SUTTON

£174,950

Modernised detached bungalow, 2 double bedrooms, 2 reception rooms,

conservatory, modern kitchen & bath/shower room, oversized single

garage with office, extensive parking, enclosed rear garden, majority upvc

double glazing, gas central heating & no upward chain. Viewing essential!

LLeeggaall AAddvviiccee:: AA gguuiiddee

ttoo bbuuyyiinngg aa pprrooppeerrttyy By Lauren Dilworth, Ward Gethin Archer Solicitors

Buying a property, whether as a home or investment is likely to be one of the biggest purchases you make. Having some basic knowledge of the process and ensuring you are prepared can save you a both time and hassle. Budget You need to consider all the expenses you may incur on top of the purchase price. Stamp Duty Land Tax – this may be the biggest additional expense and is charged at 1% of the purchase price properties over £125,000 and then 3% for those above £250,000 (rising again for properties over £500,000). There are some reliefs, exemptions and apportionments available, but these are limited so it is better to budget for the full amount. Survey – It is recommended that you have a detailed survey carried out. This should be organised as soon as an offer is made to avoid delays. If you have a mortgage your lender will carry put their own survey but this will only cover the basics and may not alert you to costly repairs. If you find the problem early you can negotiate the sale price and budget for any future repairs that might be needed. There are different surveys available, a homebuyer’s report covers structural safety and highlights problems, including damp, as well as anything that doesn’t meet current building regulations and includes a valuation. A building survey tends to be for older properties. It gives a detailed report on the condition of the property and highlights issues that should be investigated further before going ahead with the purchase. Each survey costs between £350-£1000 depending on the value/size of the property. You should consider how much information you want, the more you know the less the risk. Solicitors fees and disbursements – you will often be able to get a fixed fee quotation but will also be required to pay for any disbursements such as search fees. These vary in price depending on the location and value of the property. Preparation Mortgage – if you require one then apply as early as possible. Your lender will need to carry out a survey of the property which can take a while to arrange. If there are any discrepancies the process can be delayed, so it is better to address them as early as possible. Give them as much information as possible, they will not send you the money until they know their interest is secured e.g. if there are any friends/family over the age of 18 living at the property but not going on the mortgage they will need to sign a form to acknowledge the lender has a right over the property/proceeds of sale. If you wish to rent out the property or use it for a business they will need to know. If some of the money is being provided by a third party e.g. if your parents give you the money as a gift your lender will want written confirmation they are to have no interest in the property or right to the sale proceeds. Money Laundering Regulations – In order to buy a property your identity will have to be verified and the source of your fund accounted for. It is likely your conveyancer will need to see your passport and driving license and verify the photograph. You will need to provide evidence of where the money is coming from e.g. a mortgage or savings account. It may not be enough to provide a bank statement to show the money is in a bank, you should be able to account for how you acquired the money e.g. if you recently inherited the money, acquired it from a previous property sale or won the lottery, have as much evidence available to prove the source. If it is coming from a third party it is likely they will need to go through the same checks to prove their identity and the source of the funds. Use – Let your conveyance know your plans for the property e.g. if you want to use it for business or are considering extending the property. There may be restrictions on the title preventing it being used as anything other than a private residence or requiring the original owners consent before any buildings are extended. The title restrictions are different to usual planning permissions but unless your conveyance knows your intentions they cannot advise you. Ownership – if there is more than one purchaser consider whether you want to hold the property as joint tenants (if one of you were to die the property automatically passes to the other owner) or tenants in common (your share can is divided/unequal and the property passes under your will). If you are contributing more money at the outset you may want to protect this and may need a declaration of trust drafting.

Ward Gethin has an experienced conveyancing department that specialises in residential property transactions For more information on our services and fees please contact Lauren Dilworth or Anna Hall. Tel: 01553 660033.

FISHERGATE, SUTTON ST JAMES

OIEO £175,000

3 Bedroom detached bungalow, overall plot approaching 0.5 acre (sts), rear field

views, lounge with multi-fuel burner, kitchen/breakfast room, utility room, refitted shower room suite, enclosed south facing landscaped rear garden, conservatory, upvc double glazing, oil

central heating, garage, off road parking.

BRIDGE ROAD, SUTTON BRIDGE

OIEO £175,000

Modern 4 bedroom detached house, 3 reception rooms, modern kitchen, refitted bathroom, refitted en-suite

shower room & downstairs cloakroom, garage, off road parking, enclosed rear garden, gas central heating & majority

wood effect upvc double glazing.

GEDNEY ROAD, LONG SUTTON

£177,950

3 Bedroom 1930s detached house, overall plot of 0.15 acre (sts), 2 reception rooms,

conservatory, refitted kitchen with integral appliances, utility, refitted

upstairs bathroom, downstairs shower room, gas central heating with refitted

boiler, upvc double glazing, garage, extensive parking & enclosed rear garden

with part field views.

STANLEY DRIVE, SUTTON BRIDGE

£179,950

Modern 3 bedroom detached bungalow in a sought after location benefiting from 2

reception rooms plus conservatory, kitchen/diner, utility room, en-suite to

master bedroom, upvc double glazing, gas central heating, double garage & off road parking, enclosed front & rear gardens.

PARKLANDS, FLEET HARGATE

£179,950

Modern detached bungalow in popular village cul-de-sac, 3 double bedrooms, 2 reception rooms, conservatory, modern

kitchen & bathroom, utility, integral workshop, off road parking for several

vehicles, enclosed landscaped rear garden, upvc double glazing, gas central

heating & no upward chain.

STANLEY DRIVE, SUTTON BRIDGE

£179,950

Modern detached bungalow in a popular location benefiting from 4 double bedrooms, en-suite, conservatory,

kitchen/breakfast room, utility room, garage & driveway, low maintenance

enclosed rear garden, wood effect upvc double glazing, gas central heating & no

upward chain. Viewing a must!

GREBE CLOSE, SUTTON BRIDGE

£179,995

Modern (2004) Allison ‘Ely’ design detached bungalow in a sought after cul-

de-sac, 3-4 double bedrooms, lounge, dining room, conservatory, kitchen/

breakfast room, utility, en-suite, upvc double glazing, gas central heating, integral garage, driveway, feature

enclosed rear garden.

MAIN ROAD, TYDD GOTE

£184,995

Period detached cottage with layout giving potential to separate into 2 parts. 5

bedrooms, 4 reception rooms, 2 bathrooms, downstairs cloakroom, central heating, separate workshop/garage building &

enclosed garden.

KENZIE DRIVE, SUTTON BRIDGE

£185.000

Modern (2006) 4 bedroom detached house offering 3 reception rooms,

kitchen/diner, utility, en-suite, family bathroom, downstairs cloakroom, garage, 2 off road parking spaces,

feature side/rear garden, upvc double glazing, gas central heating & no upward chain. Viewing a must!

STANLEY DRIVE, SUTTON BRIDGE

£187,000

Modern (1999) 4 bedroom detached bungalow in a popular residential location offering conservatory,

kitchen/diner, utility room, en-suite, bath/shower room, double garage, off road parking, low maintenance style

rear garden, upvc double glazing & gas central heating. Viewing essential!

WOAD LANE, LONG SUTTON

£189,950

Modern4 bedroom detached chalet house, front field views, lounge/diner, family

room, kitchen, utility, downstairs cloakroom, upstairs bath/shower room, en-suite & walk in wardrobe to master

bedroom, en-suite shower/sink to ground floor bedroom, double glazing, oil central heating, off road parking & enclosed rear

garden. Internal viewing essential!

LONGDON CLOSE, SUTTON BRIDGE

£189,995

Modern (1997) detached bungalow in a popular cul de sac benefiting from 3-4

double bedrooms, en-suite, conservatory, refitted kitchen/breakfast room, utility room, garage & driveway, south facing enclosed rear garden, wood effect upvc double glazing & gas central heating.

WRIGHTS LANE & NEW ROAD, SUTTON BRIDGE £205,000

Residential development opportunity,

2 sites together. Total of 5 plots. Popular residential location with field view. Approx 0.5 acre site with planning

permission to demolish existing buildings & erect 4 dwellings with garages. Plus

further approx 0.5 acre site with outline planning for a single storey dwelling

MAGDALEN ROAD, TILNEY ST LAWRENCE

OIEO £225,000

New detached house, popular village with front views over village play area & convenient for access to A17. 4 Double

bedrooms, 3 reception rooms, downstairs cloakroom, en-suite to

master bedroom, family bath/shower room, off road parking, enclosed garden, upvc double glazing & oil

central heating. No upward chain.

STATION ROAD, LONG SUTTON

OIRO £239,950

Detached house, original part dating back to mid 1800s, part field views,

4 double bedrooms, 4 reception rooms, upstairs bath/shower room, downstairs

cloakroom, majority UPVC double glazing, gas central heating, off road parking, side

gardens, no upward chain.

NIGHTINGALE WAY, SUTTON BRIDGE

£249,950

Detached Allison 'Mayfield' design house built 2005 and situated in a sought after

location benefiting from 4 double bedrooms, en-suite, 3 reception rooms, kitchen/breakfast room, utility room,

cloakroom, double garage, upvc double glazing, gas central heating & low

maintenance gardens

NIGHTINGALE WAY, SUTTON BRIDGE

£259,950

Detached Allison 'Canterbury' design house built 2005, sought after location,

5 double bedrooms, 2 en-suites, 3 reception rooms, kitchen/breakfast

room, utility room, cloakroom, integral double garage, upvc double glazing, gas

central heating & enclosed rear gardens.

STONEGATE, GEDNEY (SOUTH) OIEO £270,000

Executive detached bungalow,

4 bedrooms, en-suite cloakroom, 2 conservatories, kitchen/diner, utility, bath/shower room, double garage with

office & cloakroom, extensive block paved driveway, landscaped low

maintenance gardens, non-estate village location with rear field view.

LLLeeettttttiiinnngggsss aaadddvvviiiccceee :::

BBBuuuyyyiiinnnggg tttooo llleeettt --- DDDooo’’’sss &&& DDDooonnn’’’ttt

Are you thinking of buying a property to let?

The Association of Residential Letting Agents (ARLA) gives the following advice:

DO Think of buying to let as a medium to long term investment.

DO Seek advice from an ARLA letting agent on local market demands.

DO Get your sums right. Will the rent cover borrowings and costs, after allowing for void periods?

DO Decorate, fit out and furnish to high quality standards, especially kitchens and bathrooms, to attract

the best tenants and let quickly every time.

DO Use an ARLA member as your letting agent. They are bonded, hold Professional Indemnity Insurance to

required standards, have staff trained to ARLA's competency standards and are kept up to date with the latest

legal and regulatory requirements.

DON'T Let personal taste cloud your judgement. Be sure the property you choose meets market requirements.

DON'T Purchase anything with potential maintenance problems like a lot of woodwork or large gardens. It will

add nothing to the rental value and cost a lot to keep up.

DON'T Think that the running of an investment property to let can be left to friends or relatives in your

absence. Tenants require a full management service.

DON'T Use off-the-shelf tenancy agreements from HMSO or law stationers, or forget to issue the right notices

or fail to have a proper inventory and condition report made before a tenant moves in. Leave all

documentation to a professional agent.

DON'T Furnish with second hand furniture or cast-off soft furnishings. These will probably contravene the

Furniture and Furnishing Regulations.

Free independent advice is available from Fenland Estates, the areas only ARLA licensed specialist lettings agency. Fenland Estates can be contacted on 01406 363006

CHALK ROAD, WALPOLE ST PETER

£279,995

Modern detached house, 4 double bedrooms, dressing room & en-suite to master bedroom, 2

nd bedroom with en-

suite, downstairs cloakroom, 3 reception rooms & conservatory, kitchen, utility

room & breakfast room, integral double garage, established enclosed rear garden, UPVC double glazing & no upward chain.

BACK ROAD, MURROW

£279,995

Modern 6 bedroom house situated in a rural village location benefiting from 3 reception rooms, 3 en-suites, family

bath/shower room & downstairs cloakroom, utility room, detached garage, off road parking, enclosed

garden, upvc double glazing & oil central heating. Viewing essential!

ROMAN BANK, LONG SUTTON

£290,000

4+ bedroom detached house, 4 attic rooms, 2-3 bedroom annex with wet room en-suite, kitchen with integral

appliances, utility, 3+ reception rooms, cloakroom, UPVC double glazing, gas central heating, workshop, extensive

parking & overall plot of 0.5 acre (sts).

SALTS ROAD, WEST WALTON

OIEO £294,995

Modern 5 bedroom detached house, overall plot 0.19 acre (sts), 2 en-suites,

kitchen/diner, conservatory, study, utility, downstairs cloakroom, workshop, double garage & extensive parking, oil central heating, UPVC double glazing & secluded rear garden with decking area.

CHRISTMAS GIFT AND CRAFT FAIR CURLEW CENTRE, SUTTON BRIDGE

SATURDAY 1ST DECEMBER 11AM TO 4PM

IInnssuurraannccee:: CCaalllliinngg aallll

llaannddlloorrddss By Liz Spriggs, Coversure Insurance Wisbech

Coversure Insurance Services are independent insurance brokers who are not tied to any particular insurance provider. We work with the UK’s largest insurance providers to ensure that your quote is not only competitively priced but offers the most appropriate cover to suit your individual needs. We understand the things that are important to you and we bring the human contact back into insurance as we know how frustrating call centres can be. That why we offer top quality visible one-to-one local service. If you are looking for property owners/Landlord insurance we have a parent company, called Policyfast who have teamed up with a few major insurers to provide an excellent policy specifically aimed at commercial and residential landlords. We can also offer several different bolt on options such as Landlords legal expenses, rent recovery and rent guarantee schemes.

In addition to the discounts available for portfolios of properties we also have a price match facility and as long as we have proof in writing of the clients best price we can usually beat it.

If you would like a quotation today please contact Jane, Liz or Kat who will be more than happy to assist you. Please give us a call on 0800 308 1140. Coversure the cover you want, the service you expect, the advice you need.

UUUtttiiillliiitttyyy WWWaaarrreeehhhooouuussseee

You may not have heard of the Utility Warehouse before. We don't spend our customers' money on expensive advertising campaigns. Instead, we rely on the best form of promotion there is - personal recommendation from satisfied customers. Joining the Utility Warehouse Discount Club means that you SAVE:

Single bill for all your utilities

Award-winning customer service

Value that's unbeatable

Easy to switch We provide over 400,000 homes and small businesses throughout the UK with Home Phone, Mobiles, Broadband, Gas and Electricity. In a recent survey, 96% of our customers said they would recommend us to a friend. Where do you want to start saving? Home phone, broadband, Mobile, Gas & Electricity The more services you take, the more you save Our Price Promise guarantees:

The UK's cheapest Home Phone The UK's cheapest Home Phone and Broadband bundle The UK's cheapest Mobile The UK's cheapest standard Gas and Electricity

Give Jane or Liz a call today on 08003081140 to arrange an appointment to start saving today!!

JJUUSSTT FFOORR FFUUNN:: CCHHRRIISSTTMMAASS CCRROOSSSSWWOORRDD

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

DOWN 1. This covers the ground on a white Christmas. 2. Roasted over an open fire. 3. The metallic trimming used as decoration. 6. We welcome it in on the last day of December at midnight. 8. Round decoration often found on doors. 10. They make the toys for Santa at Christmas. 13. Well known snowman. 14. Decoration found on a present.

ACROSS 2. Songs of the season. 4. Left out with milk for Santa. 5. We hang them up for Santa to fill with our presents. 7. Commonly found on top of the Christmas tree. 9. Big bird serves for this holiday. 11. ___ Christmas! 12. Used to remove snow from the driveway. 15. Reindeer with the red nose. 16. Vehicle Santa uses 17. Santa uses this to enter homes. 18. Love them or hate them, a common vegetable in the Christmas dinner. 19. We fill the turkey with this & often have it in our sandwiches too.

Wishing you

a very Merry Christmas &

a truly Happy New Year!

Thank you for all your support &

custom

from all the staff at

Phoenix Estate Agents